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13-6656
Supreme Court :of Pennsylvania WWR0 30212729 C A Pit SJS Court -0 CommoWpleas ,Givi1_ Cover For Prothonolmy L•`se Ontr: C LMBERLAND"Ir 3 County- Docket No: t _ 77re information collected on this form is used solely for court adminish pruposes. This form does not supplement or replace the filing and sen:ice of pleadings or other papers as required bt• low or rules of court. Commencement of Action: S 1$ Complaint ❑ Writ of Summons ❑ Petition E Transfer from Another Jurisdiction Declaration of Takin C DISCOVER BANK Lead Plaintiff's Name: Lead Defendant's Name: T TAMSON M DORSEY I 0 Are money damages requested? ® Yes ❑ No Dollar Amount Requested: ® within arbitration limits N (check one) ❑ outside arbitration limits A Is this a Class Action Suit? 13 Yes 19 No Is this an MDJ Appeal? 13 Yes W No Name of Plaintiff /Appellant's Attorney: William T. Molczan,47437 ❑ Check here if you have no attorney (are a Self- Represented (Pro Se] Litigant) Nature of the Case: Place an "X" to the left of the ONE case category that most accurately describes your PRIMARY CASE. If you are making more than one type of claim, check the one that you consider most important. TORT (do not include Mass Tort) CONTRACT (do not include Judgments) CIVIL APPEALS ❑ Intentional ❑ Buyer Protection Administrative Agencies (3 Malicious Prosecution )?r Debt Collection: Credit Card ❑ Board of Assessment ❑ Motor Vehicle ❑ Debt Collection: Other ❑ Board of Elections ❑ Nuisance ❑ Dept. of Transportation S p Premises Liability ❑ Statutory Appeal: Other E 13 Product Liability (does not include p Employment Dispute Mass tort) Discrimination C ❑ Slander/Libel/Defamation ❑ Employment Dispute: Other ❑ Zoning Board T ❑ Other: ❑ Other: I 13 Other: 0 N MASS TORT ❑ Asbestos B ❑ Tobacco REAL PROPERTY MISCELLANEOUS ❑ Toxic Tort - DES ❑ Ejectment ❑ Common Law /Statutory Arbitration ❑ Toxic Tort — Implant ❑ Eminent Domain/Condemnation ❑ Declaratory Judgment ❑ Toxic Waste ❑ Ground Rent ❑ Mandamus ❑ Other: ❑ Landlord/Tenant Dispute ❑ Non - Domestic Relations ❑ Mortgage Foreclosure: Residential Retraining Order ❑ Mortgage Foreclosure: Commercial ❑ Quo Waranto ❑ Partition ❑ Replevin PROFESSIONAL LIABILITY ❑ Quiet Title ❑ Other: ❑ Dental ❑ Other: ❑ Legal ❑ Medical ❑ Other Professional: Updated 1/1/2011 011 THE 1 1 1RO 11' ONO TRY 10 13 NOV 12 Ah 06 CUMBERLAND COUNTY PENNSYLVA141A IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff No: Vs. COMPLAINT IN CIVIL ACTION TAMSON M DORSEY Defendant FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: William T. Molczan,47437 WELTMAN, WEINBERG & REIS CO., L.P.A. 436 7th Ave Ste 1400 Pittsburgh PA 15219 -1827 (412) 434 -7955 FAX: 412- 338 -7130 30212729 C A Pit SJS IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff vs. Civil Action No TAMSON M DORSEY Defendant COMPLAINT AND NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 249 -3166 COMPLAINT 1. Plaintiff, Discover Bank, is a banking institution organized under the laws of the State of Delaware and maintains a business address of 12 Reads Way, New Castle, DE 19720. 2. DB Servicing Corporation is the servicing affiliate for Discover Bank, f /k /a Greenwood Trust Company, an FDIC- insured Delaware State bank. As the servicing affiliate, DB Servicing Corporation performs a variety of services for Discover Bank including, business management services in support of Discover Bank business lines, including, among other things, credit cards, deposits, personal loans and student loans, customer service, collections, credit risk, collection of delinquent accounts and other support services. The collection of delinquent accounts includes the right to forward the account to the attorneys and /or collection agencies for collection and to file suit on Discover Bank's behalf. 3. At all times pertinent hereto, DB Servicing Corporation is the servicing affiliate for Discover Bank, in reference to Defendant account, which is the subject of this litigation. 4. Defendant is adult individual(s) residing at 429 S YORK ST REAR MECHANICSBURG, PA 17055 5. Defendant applied for and received a credit card bearing the account number XXXXXXXXXXXX8025. 6. Defendant made use of said credit card and has a current balance due of $3003.87. A copy of Plaintiff's STATEMENT is attached hereto, marked as Exhibit "1 ". 7. Defendant is in default by failing to make monthly payments when due. As such, the entire balance is immediately due and payable to Plaintiff. 8. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and /or refused to pay the balance due the Plaintiff. WHEREFORE, Plaintiff prays for Judgment in its favor and against Defendant, TAMSON M DORSEY, INDIVIDUALLY, in the amount of $3003.87 with interest at the statutory rate of 6.00 o per annum from date of judgment and costs. I William T. Molcz ,47437 WELTMAN, WEINBE & REIS CO., L.P.A. 436 7th Ave Ste 1400 Pittsburgh PA 15219 -1827 (412) 434 -7955 FAX: 412- 338 -7130 WWR# 30212729 C A Pit SJS This law firm is a debt collector attempting to collect this debt for our client and any information obtained will be used for that purpose. DISCOVER Discover More Card Account number ending in 8025 Open Date: Jul 11, 2013- Close Date: Aug 10, 2013 Cardmember Since 2008 Page 1 of 4 ACCOUNT SUMMARY PAYMENT INFORMATION Previous Balance $2,936.30 New Balance $3,003,87 Payments and Credits — $0.00 Minimum Payment Due $638.00 Purchases + $0.00 Payment Due Date September 5, 2013 Balance Transfers + $0.00 `Includes ast due amount of: 5550.00 Cash Advances + $0.00 p Fees Charged + S35.00 Late Payment Warning: If we do not receive your minimum payment by the Interest Charged + $32.57 date listed above, you may have to pay a late fee of up to $35.00 and your New Balance $3,003.87 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 $2,600 balance. For example: Credit Line Available $0 If you make no additional: charges You will pay off the And you will end up Cash Advance Credit Line $1,300 using this card and each month . balance shown on this paying on estimated vol YOU pay... statement in about... of.., Cash Advance Credit Line Available $0 Only the minimum payment 9 years 1 $4,491 You may be able to avoid interest on Purchases. If you would like information about credit counseling services, call 1- 800 - 347 -1121. See reverse for details. REWARDS Contact Us Discover.com Cashback Bonus® Anniversary Month 1- 800 - 347 -2683 September Opening Balance S 0.00 Please make check payable to Discover. You are overlimit. New Cashback Bonus This Period + S 0.00 Pay the sum of the Minimum Payment Due plus the remaining Redeemed This Period — $ 0.00 overlimit amount of 5403.87. Cashback Bonus Balance To learn more, log in at Discover.com Make Check payable to Discover. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Please fold on the perforation below, detach and return with your payment. Payment Coupon Pay Online Pay by Phone Account number ending in 8025 Pleciise do not fold, clip or staple. A Discover.com O 1- 800.3474683 Minimum Payment Due $638.00 New Balance $3,003.87 Payment Due Date September 5, 2013 TAMSON M DORSEY Amount enclosed I s 429 S YORK ST REAR MECHANICSBURG PA 17055 -6405 PO BOX 71084 •' p' CHARLOTTE NC 28272 -1084 3024127.2% Internet payments must be received by SPM ET to be credited as of the same day. Address, e-mail or telephone changed? Note changes on reverse side. 000001986458557435175030038700101050063800 TAMSON'M DORSEY Account number ending in 8025 Open Date: Jul 11, 2013 - Close Date: Aug 10, 2013 Pa 2 of 4 Important Information You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. low. See your Card member 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 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 chink there is T error on your statement, write 10 us at: Discover, PO on your monthly billing statement, your scheduled payment for that month Box 30421, Solt 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 offer 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 hove 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 Cordmember Agreement or visit payment will be processed only for the amount of your New Balance. Your https :Hdiscover.com /billingrighis 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 balanc of any time. If yyou enroll by phone in our automatic payment service, please fill -in the However, you must pay at least the Minimum Payment Due the Pa ment followin blanks below and retain the authorization for our records. Due Dote. Send only your oymeni and the bottom portion this statement 9 Y in the enveloppe provided. �a not send cosh. If you p by , deck, yo Amount: Full Pa Min Pa ❑Min Pa y+ $ outhorizgg us to use information o%your check to matte an electronic fund Y Y Y transfer trom your account of the financial institution indicated on your check 0 Other Amount$ ;Bank Routing #: or io process the payyment aAs a check frQQnsoction. If a payment is processed as an electronic fundtransfer, the transfer will b for the amount of the Bank Account # check. When we use information from your chec�i to make an electronic fund transfer, funds may be withdrawn from yoyr account os soon as the some Monthly on the ❑ Payment Due Date 0 Close Dote day we receive your payment, and you will not receive your check bock from your financial institution. 0 Day of month (insert date) The processing of your payment may be delayed if you send cash, Credit Reporting. We may report information about your Account to credit correspondence or other items with your payment, if you send the payment to bureaus. Late payments, missed payments, or other defaults on your Account any other address or if you use on 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 on electronic debit. Payments mode online or by phone will be Paying Interest. Your due date is at least 25 days offer the close of each credited as of the day of receipt if made by 5 PM Eastern time. 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 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 How We Calculate Interest Charges. We Use the Daily Balance Method statement, or the next automatic payment date referred to„ n your statement, (including current transactions) to calculate the Balance Subject to Interest unless you request a recurring payment date (e. ., the 15" day of the month) Rate. For more information, lease call us at 1- 800 - 347 -2683. that occurs before your Payment Due Date or Close Date. If your scheduled p 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 Rote. 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 lost 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 W 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 low, or upon request mode 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 monthly billing statement when your payment will be mode and how much it The Discover® card is issued by Discover Bank, Member FDIC. TL23N will be. CHANGE OF ADDRESS If correct on front, do not use. Please print clearly in blue or block ink, in the space provided. Street Address Home Phone Work Phone City _ Email 38M To make changes to your address, email or telephone number, visit Discover.com Continued on next page DISC VEW Discover More Card Account number ending in 8025 Open Dote: Jul 11, 2013 - Close Dote: Aug 10, 2013 Page 3 of 4 CONTACT US Web Aft Mobile Phone Inquiry Mail Payments R Access your � Manage your 1- 800 - DISCOVER 0 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 Tr Date Post Date Fees Aug 5 Aug 5 LATE FEE $ 35.00 TOTAL FEES FOR THIS PERIOD 35.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 32.57 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 32.57 2013 Totals Year -to -Date TOTAL FEES CHARGED IN 2013 $ 235.00 TOTAL INTEREST CHARGED IN 2013 $ 234.84 Interest Charge Calculation Your Annual Percentage Rote (APR) is the annual interest rote on your account. Current Billing Period: 31 days ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchases 12.99% V $2,952.03 $32.57 Cash Advances 23.99% $0.00 $0.00 V= Variable Rate Information For You For more information about how interest charges are calculated see your Cordmember Agreement or go to www .discover.com /interesicharges 30212729 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION TAMS00 M DORSEY Account number ending in 8025 Open Daie: Jul 11, 2013 - Close Daie: Aug 10, 2013 Poge 4 of 4 30212729 VERIFIC TION (Name) (Title) V of DB Servicing Corporation, servicing affiliate of Discover Bank does hereby verify, under penalty of perjury and subject to the penalties of 18 Pa. C.S. § 4904 relating to unsworn falsifications to authorities states, that he /she is a duly authorized representative of plaintiff herein. Additionally, he /she verifies that Discover Bank, f /k/a Greenwood Trust Company, which is an FDIC- insured Delaware state bank, lacks sufficient knowledge or information to verify this complaint. He /she verifies that he /she is authorized to make this verification. As an employee of DB Servicing Corporation, he /she has sufficient knowledge and information to make this verification, and consequently verifies that the facts set forth in the foregoing complaint are true and correct to the best of his/her knowledge and information and that he /she is personally familiar with the account and the relationship between Discover Bank and DB Servicing Corporation. It is further stated that Discover Bank and DB Servicing Corporation extend credit through issuance of the Discover Card. As the servicing affiliate, DB Servicing Corporation performs a variety of services for Discover ,Bank, including business management services in support of Discover Bank business lines, including, among other things, credit cards, deposits, personal loans and student loans, customer service, collections, credit risk, collection of delinquent accounts and other support services. The collection of delinquent accounts includes the right to forward the same to the attorneys and /or collection agencies for collection and to file suit on Discover Bank's behalf. Both DB Servicing Corporation and Discover Bank are wholly owned subsidiaries of Discover Financial Services. Date (Signature) DB Servi ' C rporation servicing affiliate For Discover Bank SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson F H-E D-OF j',``" Sheriff i;)F 'FHE FR0T14ON0TA'1"%Y Jody S Smith Chief Deputy 2013 NO 20 P11> 07 Richard W Stewart N Solicitor QI:,FICE OFT�4 S�:ER1r= C�U �LRL�i��C� � �;��°�Y PENNSYLVANIA Discover Bank vs. Case Number Tamson M Dorsey 2013-6656 SHERIFF'S RETURN OF SERVICE 11/15/2013 06:56 PM - Deputy Shawn Harrison, being duly sworn according to law, sere the requested Complaint & Notice by handing a true copy to a person representing themselve b Ro Id Dorsey, husband, who accepted as"Adult Person in Charge"for Tamson M Dorsey at 2 York reet, Rear, Mechanicsburg Borough, Mehcanicsburg, PA 17055. 90A HAR ON, DEPUTY SHERIFF COST: $39.30 SO ANSWERS, November 18, 2013 RON R ANDERSON, SHERIFF (c)CountySuite Sheriff,Teleosoft,Inc. Michael J. Pykosh, Esquire 4 ,,r ID#58851 � �.' Dethlefs-Pykosh Law Group, LLC �` U _ 2132 Market Street 1, II: 55 Camp Hill, Pennsylvania 17011 Telephone—(717)975-9446 N O Fax—(717)975-2309 E fc j�'L Qf� mpvkosh(a7dplalaw,com Attatley for Defendant DISCOVER BANK : COURT OF COMMON PLEAS Plaintiff : CUMBERLAND COUNTY, PENNSYLVANIA • v. No: 13-6656 TAMSON M DORSEY CIVIL ACTION - LAW Defendant • NOTICE TO PLEAD To: Discover Bank do William T. Molczan, Esquire Weltman, Weinberg & Reis Co., L.P.A. 436 7th Ave, Ste 1400 Pittsburgh, PA 15219-1827 You are hereby notified to plead to the enclosed Preliminary Objections within twenty (20) days from the date of service hereof or a default judgment may be entered against you. Res ectfu lllyy Submi ed, Date: ;.Z— — 1 3 `C Michael J ykosh, Esquire I.D. # 58851 Dethlefs-Pykosh Law Group, LLC 2132 Market Street Camp Hill, Pennsylvania 17011 (717) 975-9446 Attorney for Defendant Michael J. Pykosh, Esquire ID#58851 Dethlefs-Pykosh Law Group, LLC 2132 Market Street Camp Hill, Pennsylvania 17011 Telephone—(717)975-9446 Fax—(717)975-2309 mpykosh(a�dpldlaw,com Attorney for Defendant DISCOVER BANK : COURT OF COMMON PLEAS Plaintiff : CUMBERLAND COUNTY, PENNSYLVANIA v. ▪ No: 13-6656 TAMSON M DORSEY ▪ CIVIL ACTION - LAW Defendant: DEFENDANT'S PRELIMINARY OBJECTIONS TO PLAINTIFF'S COMPLAINT AND NOW, comes the Defendant, Tamson M. Dorsey, by and through her attorneys Dethlefs-Pykosh Law Group, LLC, by Michael J. Pykosh, Esquire, who files her Preliminary Objections to the Plaintiff's Complaint, and avers as follows: 1. Plaintiff filed suit against Defendant alleging that Defendant owes money to Plaintiff arising out of an account issued by Discover Bank of which Plaintiff claims to be the Original Creditor. Comp. 13, 5 & 6. 2. The Complaint was files on November 12, 2013. First Preliminary Objection - Pa. R.C.P. 1028(a)(2) Failure to Conform to Law or Rule of Court 3. The Complaint avers the existence of some type of contract pertaining to a credit card between the parties. 4. Pursuant to Pa. R.C.P. 1019(h), where a claim asserted is based upon an agreement, the pleading must state whether the agreement is oral or written. 5. Plaintiff fails to state if the agreement is written or oral. 6. Pursuant to Pa. R.C.P. 1019(i), if the agreement is written, it must be attached to the pleading or, if not, the pleader must explain its absence and set forth the substance of the agreement. More specifically, Plaintiff has failed to attach the original Loan/Credit Agreement and periodic mailings to the original Loan/Credit Agreement, including amended terms and conditions applicable to the Loan/Credit Agreement. Asset Acceptance, LLC v Margaret Madden dated March 18, 2009, No. 2912 of 2008 GD (Fayette County 2009) citing Atlantic Credit & Finance, Inc. v Guiliana, 829 A.2d 340 (Pa. Super. 2003). Plaintiff has also failed to attach "other" periodic mailings detailing changes to the terms and conditions applicable to the Loan/Credit Agreement. Remit Corporation v Miller, 5 Pa. D&C 5th 43, 45 (Centre Count, 2008). Plaintiff attached one purported statement. Said statement appears to be a final billing statement. Second Preliminary Objection - Pa. R.C.P. 1028(a)(2) Failure to Conform to Law or Rule of Court 7. Pursuant to Pa. R.C.P. 1028(a)(2), a party may file a Preliminary Objection based upon the failure of a pleading to conform to law or rule of court or inclusion of scandalous or impertinent matter. 8. Plaintiff's Complaint is based upon a contract. 9. Plaintiff asserts a cause of action based upon an Account Stated theory of recovery. 10.An Account Stated theory of recovery is not applicable in credit card cases. Capital One Bank (USA) NA v Cleverstine 7 Pa. D&C 5th (Ct. Corn. PI. Centre County 2009). JMMM PC Company v Patricia Stillwagon 2011 Pa. D&C Dec. Lexis 24 (Luzerne County). 11.Plaintiff in pleading Account Stated cause of action is not permitted to escape pleading requirements otherwise applicable. CitiBank (South Dakota, N.A.) vXenofon Skaboulos 2009 No. 09-8676 (Cumberland County). 12.Plaintiff provides no allegation that Defendant has assented to the correctness of the account. Third Preliminary Objection - Pa. R.C.P. No. 1028(a)(3) Insufficient Specificity in a Pleading 13.The Complaint contains only a general assertion of the amount the Plaintiff claims is owed by the Defendant. The Complaint provided no detail as to the date(s) on which the debt(s) were incurred, the amount(s) incurred on each date(s), the date(s) or amount(s) of payments, or date(s) of accrual and amount(s) of interest charge(s) and other fee(s). 14.Pa. R.C.P. No. 1019 and Pa. R.C.P. 1028(a)(3) require that the above detail be included in a Complaint of this type. 15.By not including the requisite detail of the account, the Complaint fails to conform to an express rule of Court. 16.By not including the requisite detail of the account, the Plaintiff has insufficiently pled its accounted stated cause of action. See Arrow Financial Services LLC v. Witmer No. 59 Cumb. L.J. 154 (Pa. Corn. PI. Cumberland County 2010). Fourth Preliminary Objection- Pa. R.C.P. No. 1028(a)(4) Demurrer to Court 17.The Plaintiff has failed to allege facts sufficient to maintain a cause of action for Breach of Contract and Account Stated. WHEREFORE, the Defendant respectfully requests that her Preliminary Objections be sustained, and that Plaintiff's Complaint be dismissed with prejudice. Respectfully Submitted, Date: I "?-- 13 a .' Michael J. "ykosh, Esquire I.D. # 58851 Dethlefs-Pykosh Law Group, LLC 2132 Market Street Camp Hill, Pennsylvania 17011 (717)975-9446 Attorney for Defendant Michael J. Pykosh, Esquire ID#58851 Dethlefs-Pykosh Law Group, LLC 2132 Market Street Camp Hill, Pennsylvania 17011 Telephone—(717)975-9446 Fax—(717)975-2309 moykoshCa�dplglaw,com Attorney for Defendant DISCOVER BANK : COURT OF COMMON PLEAS Plaintiff : CUMBERLAND COUNTY, PENNSYLVANIA v. ▪ No: 13-6656 • TAMSON M DORSEY ▪ CIVIL ACTION - LAW • Defendant CERTIFICATE OF SERVICE I hereby certify that a copy of the foregoing Defendant's Preliminary Objections to Plaintiffs Complaint, was hereby served by depositing the same within the custody of the United States Postal Service, First Class, postage prepaid, addressed as follows: Discover Bank do William T. Molczan, Esquire Weltman, Weinberg & Reis Co., L.P.A. 436 7th Ave, Ste 1400 Pittsburgh, PA 15219-1827 Respectfullyy Submitted, Date: 12-Z- Michael J. Pykosh, Esquire I.D. # 58851 Dethlefs-Pykosh Law Group, LLC 2132 Market Street Camp Hill, Pennsylvania 17011 (717) 975-9446 Attorney for Defendant IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION DISCOVER BANK, Plaintiff, v. TAMSON M DORSEY, Defendant NO.: 13-6656 CIVIL TYPE OF PLEADING: AMENDED COMPLAINT FILED ON BEHALF OF: Plaintiff COUNSEL OF RECORD OF THIS PARTY: Submitted by: Plaintiff m rlf= 33 G) --u t-1 - ter,c, cn < CD "n gra =7, c)r —1' .'- Matthew D. Urban, Esquire P.A. I.D #90963 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR: 30212729 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff vs. TAMSON M DORSEY Defendant Civil Action No. 13-6656 CIVIL AMENDED COMPLAINT You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH 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, PENNSYLVANIA 17013 TELEPHONE NUMBER: (717) 249-3166 Amended Complaint AND NOW, comes the Plaintiff Discover Bank and files this Amended Complaint, the following of which is a statement thereof: 1. Plaintiff, Discover Bank, is a corporation with offices at 12 Reads Way, New Castle, DE 19720. 2. Defendant, Tamson M Dorsey, is an adult individual residing at 429 S York Street, Rear, Mechanicsburg, PA 17055. 3. DB Servicing Corporation is the servicing affiliate for Discover Bank, f/k/a Greenwood Trust Company, an FDIC -insured Delaware State Bank. As the servicing affiliate, DB Servicing Corporation performs a variety of services for Discover Bank including among other things, credit cards, deposits, personal loans and student loans, customer service, collections, credit risk, collection of delinquent accounts and other support services. The collection of delinquent accounts includes the right to forward the account to the attorneys and/or collections agencies for collection and to file suit on Discover Bank's behalf. 4. Foreign business corporations must procure a certificate of authority from the Department of State before doing business in this Commonwealth. 15 Pa. C.S.A. §4121(a). 5. A foreign company engaged in the debt acquisition and collection activities in Pennsylvania is not doing business within the meaning of this registration statute. 6. Plaintiff is attempting to collect a debt from the Defendant and the filing of the instant action falls within the categories of activity not considered as doing business in this Commonwealth pursuant to 15 Pa. C.S.A. §4122 Count I -Breach of Contract 7. The averments contained in Paragraphs 1-6 are incorporated herein by reference thereto as though herein set forth at length. 8. On or about September 8, 2008, the Defendant submitted an application to the Plaintiff requesting that the Plaintiff issue the Defendant a Discover Bank credit card. A true and accurate copy of the Discover Bank application is attached hereto and made a part hereof as Exhibit "1." 9. Thereafter, on or about September 8, 2008 the Plaintiff made an offer to the Defendant to open a credit card account by issuing a Discover Bank credit card to the Defendant, bearing account number XXXX-XXXX-XXXX-8025. 10. Defendant subsequently accepted Plaintiff's offer to open the above credit card account by using said card to transfer balances and make purchases of goods, merchandise and services. 11. Each month the Plaintiff sent the Defendant a monthly statement setting forth the charges and payments, if any, by the Defendant and the applicable interest rate governing the account. A true and accurate copy of the Defendants monthly statements from November 9, 2008 to August 10, 2013 are attached hereto and made a part hereof as Exhibit "2." 12. The Defendant breached the terms and conditions of the written cardmember agreement governing the account between the parties by failing to pay the balance due or in the alternative make the minimum monthly payments as stated in the monthly statements sent to the Defendant. A true and accurate copy of the terms and conditions of the credit card for which this claim is based are attached hereto and made a part hereof as Exhibit "3." 13. The balance due and owing to the Plaintiff as a result of the breach on the aforementioned credit card account is $3,003.87 with the Defendant having last made a payment on the account on or about January 3, 2013 in the amount of $44.00. WHEREFORE, Plaintiff demands judgment in its favor and against the Defendant, Tamson M Dorsey, in the amount of $3,003.87 and costs. Count 11 -Unjust Enrichment 14. The averments contained in Paragraph 1 through 13 above are incorporated herein by reference thereto as though herein set forth at length. 15. Defendant used his/her Discover Bank credit card to purchase goods, merchandise and services. 16. By making use of said card, the Defendant has had a benefit conferred upon him/her through the use and enjoyment of those goods, merchandise and services purchased. 17. Defendant, despite requests to do so has willfully failed to re -pay the Plaintiff the amounts due as set forth in the monthly statements, attached as Exhibit "2" and as such has improperly retained the benefit(s) conferred upon him/her without payment of value in return to the Plaintiff. WHEREFORE, Plaintiff demands judgment in its favor and against Defendant, Tamson M Dorsey, in an amount less than the arbitration limits and costs. Count III -Breach of Contract -Contract Implied in Law 18. The averments contained in Paragraph 1 through 17 above are incorporated herein by reference thereto as though set forth at length. 19. At the request of the Defendant, the Plaintiff offered a revolving line of credit by issuing a Discover Bank credit card to the Defendant. 20. The Defendant subsequently accepted the offer by using the line of credit to make purchases of goods, merchandise and services and/or other transactions such as balance transfers and cash advances. 21. Each month the account was open, the Plaintiff sent an account statement detailing the activity on the account along with any applicable interest rates and fees to the Defendant at the address provided by the Defendant. A true and accurate copy of the Defendant's monthly statements from September 9, 2008 to August 10, 2013 are previously attached as Exhibit "2." 22. The Defendant, upon examination of each monthly statement, attached as Exhibit "2," affirmatively acknowledged and accepted the running statement of account by regularly tendering partial or full payments against the total outstanding balance due as listed on each monthly statement over the entire account history. 23. The Defendant by and through his/her regular course of conduct, as set forth above, clearly establishes their acceptance of the terms and conditions of the credit card account. 24. The Defendant subsequently failed to make payments as set forth on their monthly account statement thus breaching the parties agreement and thereby rendering the entire account balance due. WHEREFORE, Plaintiff demands judgment in its favor and against the Defendant, Tamson M Dorsey, in the amount of $3,003.87 and costs. Respectfully Submitted, Matthew D. Urban, Esquire P.A. 1.D #90963 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR # 30212729 FOCUS SESSION 2 - KRIS 1'EN ALLGIER - Mon Dec 16 12:09:47 MST 2013(rwxp353.rw.discoverfinancial.com) Page 1 of 4 Navigation Links Id: 082511553326700 O- HI WORK STATE: I01 INACTIVE Find [F11] I Status: Cmpgn: IDialer I Time On App: SEC Application Summary Name and Address Account Info Review Rules I App Type: INDIVIDUAL Name: TAMSON M BINDERUP Ssn: 1111111.1111111111. Day: 1927 Doh: 12 / 14 / 1958 Slctd: PE DISCOVER MORE Minn: BENN Approved: PE DISCOVER MORE H: (717) 458 - 5828 Amount: $3,000.00 Email: TAMSON_B@NETZERO.COM 8: (717) 232 - 1831 Acq Meth: DIRECT MAIL 0: 0 - Status: BOOKED Addr: 429 S YORK ST Hold Date: 09/11/2008 MECHANICSBURG, PA 17055 -6405 Bt: $0.00 Memo HISTORY APPLICATION BUREAU SUMMARY ALTERNATIVE OFFER ACTIVITY CODE Top [Alt -GI Primary [Alt-Pl Employer fAlt-El [Code: 009578, Text: RATE STRUCTURE NOT FOUND, Field: 0] Location CREDIT CRD Image ID I Mock # No Rewards Income fAlt-Il Student [Alt -Sl Product [Alt -01 Misc [Alt -Al Application Loan Type: INDIVI.DUAL Product: DISC Card Type: 000001 Receive / / Date: Source Campaign I- I Card Line Group: NP Card Option:30 Special Handling Manual Fraud Acct#: 6011-0024-3707-8025 copy to clipboard Prefilled: Merchant Id: Primary Applicant Name Title First Middle Last Suffix I Email eSign: No Yes Number Street Type Direction Apt # RR a PO Box Military Branch http://focu s2.rw.di scoverfinancial .com/focus/viewFullApplication. do 12/16/2013 FOCUS SESSION 2 - KRISTEN ALLGIER - Mon Dec 16 12:09:47 MST 2013(rwxp353.rw.discovetfinancial.com) Page 2 of 4 Current Address City State Zip Country I PA I - r— USA Time@Address Residence Type Monthly Hsng yr I— mo RENT $I Number Street Type Dvecbon Apt # RR # PO Box Military Branch Perm/ I I I I I I Physical City State Zip Country Address PA - r USA Show Primary Previous Address Home#r--- - r---- - I- SSNI— - I— -I— Bus # - I - I DOB I— / I— / I US Citizen N Name Changed Other #1I - I _1 Age Iyr I mo Permanent Res N Spousal Sale Other #2I - I - f — MMN I I— US Visa Expired Campaign Other #3I— -I -I Dependents Employer Employer I Length of Employment I yr I mo Address I Contact Occupation City I Employee Id: I Employment Status: ... State/Zip ... I _ I Education Level: Income Pri Occ: TRNS Bus Occ: OTHR Income $ I ANNUALLY rOther Income Reminder Only ACCEPTABLE sources can be entered In Other Inferred: $ 0 http://focus2.rw.discoverfinancial.com/focus/viewFullApplication.do 12/16/2013 FOCUS SESSION 2 - KRISTEN ALLGIER - Mon Dec 16 12:09:47 MST 2013(rwxp353.rw.discovertinancial.com) Page 3 of 4 Income field such as Alimony, Child Support, Investment Income, and Rental Income. Income from Spouse/Domestic Partner can ONLY be included for WI/AZ/CA/ID/LA/NV/NM/TX/WA residents. Other Income $ Checking ... Savings YES SAVINGS ACCT EXISTS How will you manage your balance? NOT GIVEN Source Add -On Product Language Channel 07,0,0 None Authorized Buyer Enroll Status Delete ? First Name: MI: Last Name: Suffix: Relationship: n Balance Transfer $ I Referral Indicator ... Referred By Student Information Ref Tracking Student Non -Student Yr in School ... Name Name School ( Reference I Address Line 1 Address Line 1 I I City City State Zip I I 1--- -I State Zip Relationship Phone http://focus2.rw.discoverfinancial.com/focus/viewFullAppl.ication.do 12/16/2013 FOCUS SESSION 2 - KRISTEN ALLGIER - Mon Dec 16 12:09:47 MST 2013(rwxp353.rw.discoverfinancial.com) Page 4 of 4 I H -1 -I ACT Code 7—Graduation Date mo Student ID) Product Requested yr Majorl Degree! Product DISC Term 0 Payment $ Amount $ I Rate I Balance $ l Purpose I Variable ( Base Rate Miscellaneous Information MONTHLY Source IP Priority l— Drivers I License External Cycle Code r— Product l ID Offer Embossing I State Approved Option Code CLS l Sale l Test 000- NON -TEST ACCT PLS OFAC I— Relative Name 1 Relative Addr Line 1 l City 1 State/Zip l - Relationship Phone - - l DLP Routing Code NP Routing Code http://focus2.rw.discoverfinancial.com/focus/viewFullApplication.do 12/16/2013 DISC VER New Balance $10.07 TAMSON M DORSEY 429 S YORK ST REAR MECHANICSBURG PA 17055-6405 Minimum Payment Due $10.07 Payment Due Dote December 4, 2008 Address, e-mail or telephone change2 Print change in space above, or go to Discover corn Print your e-mail address to receive important Account information and special offers Account Number ending in 8025 Enter Amount Enclosed Below Please make check payable to Discover Card or pay online Q Discovercard corn PO BOX 71084 CHARLOTTE NC 28272-1084 000001986458557435175000100700000000001007 Discover More Card Account Summary Closing Date: November 9, 2008 Account number ending in 8025 Payment Due Date December 4, 2008 Minimum Payment Due $10 07 $3,000 00 $2,989 00 $800 00 Credit Limit Credit Available Cash Credit Limit Cash Credit Available $800 00 Previous Balance Payments And Credits Purchases Cash Advances Balance Transfers Finance Charges New Balance page 1 of 1 $0 00 0 00 + 10 07 + 0 00 + 0 00 + 0 00 • $10 07 You may be able to avoid Periodic Finance Charges, see the reverse side for details Cashback Bonus" Cashbook Bonust8 Anniversary Month September Keep building your rewards with every purchase Start redeeming once you reach $20 Cashbook Bonus(R) Opening Cashbock Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance $ 0 00 + 0.00 $ 0.00 How Can We Help You? It's your choice - 3 ways to help Please have your Discover Card available For TDD (assistance for hearing impaired) see reverse side 1 Visit Discover.com to pay your bill for no cost, viewour latest Account information, earn and redeem rewards and more 2 Coll 1 -800 -DISCOVER (347-2683) for fast, easy self-service options or to speak with o Customer Service Account Manager 3 Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions Other/Miscellaneous $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Post Date Date Oct 21 Oct 21 IDENTITY THEFT PROTECT 800-347-3089 UT Nov 9 Nov 9 PAYMENT PROTECTION PPD 1.877.883-1959 9 99 0 08 Information For You Balance Transfer offer(s) for current billing period: Daily Periodic Rate 0 01093%, corresponding ANNUAL PERCENTAGE RATE 3 99% Finance Charge Summary Average Daily Balances current billing period 31 days Purchases $0 Cash Advances $0 previous billion nod 31 days P 2E0242T2 $0 Daily Periodic Rates Nominal ANNUAL ANNUAL PERCENTAGE PERCENTAGE RATES RATES 0 00000% 0 00% F 0 00% 0 06573% 23 99% F 23 99% Periodic FINANCE CHARGES $0 $0 0 00000% 0 00% F 0 00% $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above Transaction FINANCE CHARGES $0 $0 none Ship Freet Discover Gift Cards ship FREE and come in a variety of holiday designs Choose any dollar amount from $20 to $500 -- and PERSONALIZE with a name and greeting Good for purchases at millions of locations Browse and buy at DiscoverGiftCard com/holiday Important Information if there is more than one ;age to this b.tlirg statement see the back of each page for addibottal important informotran See your Cardmember Agreement. Your Caatnsmber Agreement contains all the lelrns of pit Account Lostar stolen curds Report immediatelyl l-600-347.2683 Pilling Rights Summary In Case of Pacts or Ocasuons About Your Bili If you think your bit is wrong or r:- you need more infun atice about a transaction on :per hal wnie to us on a separate street of paper at Dtsccver PO Box 30421 Salt Lake City UT 64130-0421, as soon as possible 4^.'e must hear from you no tater than 60 days after we sent you the fist bill or which the error or problem appeared You car! telephone us but dung so will not preserve your rights It your letter give us the following miorntason • Yaw come and Account number • The dollar amount of the suspected error • Describe the error rant ex„ iatn ` yne can why yen aefreve there is an suer If you need more urirmnaunti describe, lige item you ate unsure about You do nal have to pay any enrcunl is question while we pie mvestryat ng but you are slit. obligated to pay the onset. your tot that are nut or quesinn tA4tile we investigate your ques7.on we cannot leper! you as delinquent or take any action to collect the amount you question Special Rule for Credit Card Purchases if you have a problem with the quality of goods Cr services that you purchased vwdb a creat card and you have tried :n good faith to correct the prcblem with the merchant ;mu may trot have to pay the remaining a^kion due on the goodts trotsps You itc+•,e this motect on only when Cie purchase pace win more than S50 and the purchase was Trade in you: horns ,!ate or within 100 miles of yes' saudrig address Ill ;we own c, operate the merchant orif'ree matted you the adte•rnsement lot the goods or services act purchases are covered regardess of the amount or citation of purchase 1 . Payments Send only your payment and the lop „erupt of this statement in the envelope: provided Donor send cash By sending your check ns described above you authorize us to use infomtation un your check ho make an 4lautrr:fez Lind ?rimier from vont aocaunt at the financmt institution irdirteked on volt: check or to process the par len? as a (track transaction If payment Is proccaed as an Mac -Ironic fund transfer Ore roister will be for the amount on the cheek When we use information from your check in stake an electronic fond transfer funds may be withdrawn bolo you! account as soon as the same day we eacerte ;rem payment and you will not uaccire your check tack horn your tonicar institution The processing of your payment inay he delayed if' you send cash cerra,ponde: rte et other rams wilh yourpayInent. if you send the payment to any other address or g you use an envelope ogle! than the one arm:idea Payments terer5ed it proper form at our processing faddy by 5PIv1 local tine on ami day si a be credited to gow Account as e1 hat day Payments received at our proc:ss+ng family after SFfrf loom !line will be credited leyour Account as of the next day If you base misplaced your envelope sena your payment to Dtxover PC Box 6133 Carol Stream L60197.6103 Please a: cv: 7-1G days for dei yery if opsit payinenr rs returned unpaid we reserve the uchr til resubmit d as on electronic debt. You can pay yourmntimum payment ora greater amount over the lelephone and you can set up automatic paynrents Cal! US at 1-600.347.2683 Yoe di need this statement and vol' flans accounu rntcnrat>on YOU runt ensure that sufficient funds are evadabte tit yon bank account and all t ansactons vital comply with U S low You will be asked to provide the first 5 drafts of your account statement zip code By entering those numbers as your electronic signature you well be agreeing to lis authorizador to allow us and your bank to deduct each payment you authorze from foil bank account. and in Initiate debit or credit erOles tg yon bank account. as applicable to x:riert an error in the processing cf such payment Ybrl must tell us the amount cf each payment or you can seism an amount such as the Minimum Payment Due or the New Balance on each statement. You can cancel a payment however we must receive notice at toast three business days in advance of tow scheduled payment. Yea may notify us by phone at 1600.347-2683 or by marl at the address rioted in the pnemous paragraph If your payments may vary in amount we w+l tot: you on each room* statement when your Payment wattles- made end how much twit: be YourAutomelic payment doom! trey be. less than indicated en the monthly statement based on cretins or payments applied drop the baiting cycle Credit Reporting We may repos inlermatc'e about your account to credit bureaus Late payments missed payments or other defaults on your account may be reflected in your credit report. We rarmalty report the status acid payment !ivory of your Account to credit reporting agermes each math if you believe that our report rs inaccurate or incomplete please Ante us el the following address Discover PO Box 15316,' Wilmington, DE 10050.5304 Please include your some address home telephone number and Accbiuel number PERIODIC FINANCE CHARGES. Periodic Finance Chaiges are imposed on all transactions from the date the transaction is poster to your Account ante the date you pay jxigr entire Now Batance by making payments or receiving ued:ts How -ver if you paid the We; Balance. on your previous htllmnc statement by the Payment Due Data stamen on that statement and vou pry the New Balance by the Payment Due Date on your current tilling slaterrenl .re will not impose Periodic Finance Charges on new purchases that is our chases first appearing on the current statement We call Urs lie grace period Otherwise you will reretre a biting statement next menti: Ihat includes Periodic Finance Charges on boric rlOw purchases There s nc grace period no balance lranefera a cash adean cps We son your transactions into groups of purchases cash advances and balance iron ilei s and then further ears the transactions vwithn each group ho trod Annual Percentage Rate =or example purchases subject to a pmencticrta' rate and pmratases subject to a six -ideal rate would he separate mops We tstei to these grottos as transaction categories At the sail of each biting ,period we compute balances and Periodic Finance Cherges lot each day of the biting condi for each transaction category We use the folls-any equation to compute Periodic Finance Charges for each hensaceon category Asways Drofy Balance x minter of days in the br0inf puood x Daly Petrodic Sure (You may refer to the tmamz ohar7e summary on year billing statement for these amounts 1 Thep ane add up the Parodic Finance Charges lot each transaction category to ge? the total Periodic Finance Charges for your .Account flee Average Daffy Balance re. shown as pro If ber:ause o:' the grace netted no Peoria,: Finance Citargea app;!; to die balance in a transection category We use the Average Daily Balance h'cturfing new,ransactons) method of ca rulahnp the balance upon which rse anprxe Periodic Finance Charges We compute the Average Daily Balance foi each transaction category by adding up all the darty balances; rte bArmy cowed for a harmer:fon category end dividing the total by the number of daps in the billing coir the compute the daily balance for each Transaction calegury on each day by trst eddina the following to the envious days daily balance transactions made That day fees charged Mat day and Pietadic Finance Charges accrued tin the pteytotls days dei:]y balance and by ;hen subtracting any credits and payments that pre applied against the balance of the transaction caiNcr: on that day In calculating the dell r balance fat the fist des of the billino paled ire consider the 'previous day s ;mance :'a ira:•n been your balance for each transaction category on the last day of your elewtct:. Wog period d a transaction is posted to your Accton after the dose of the billing period in whack d ncew5 we .all treat rhe transa'rnn as hav- exurtc-d en the first coy of the bailing period in which it c pasted to your Account AI lees charged to your A:zgtrrt are added to the standard purchase: transaction cetegc 1 with Ur -o exception of Cash Advance Transaction Fee Felance Cf Argos aids are added to the apeficrhle : a< -h advance rrarsac on category and Balance Transfer Transaction Fee Finances Charges which are added to the applicable balance aansfer transaction category Whea a special balance transfer rate expires we move she unpaid balance of the balance transfer and the Balance transfer Transaction Fee Finance Charges to the standard purchase transaction category However if the speed rate hoe been terminated under the Default Rare Ptah, we, !:oke the unpaid balance of the balance transfer and the Baance. Transfer Trans - /1=n Foe Firoancn Charges in the applicable transaction category until the special rate would nave expired For TDD (Telecommunications Device for the Deaf) assistance. please colt 1.800-347-7449 Discover rimy monitor ant's- 'emu] telephone calls bahmeen ynu amt Discc:'er rap; esen`:airrres :'or quaSU ass:rante purposes The Discover card is issued by Disa,eer Bunk. Member FD'i1. 30212729 OlTBk 170 DISC VER New Balance $10.07 TAMSON M DORSEY 429 S YORK ST REAR MECHANICSBURG PA 17055-6405 Minimum Payment Du $10.07 Payment Due Date January 4, 2009 Address, e-mail or telephone change? Print change in space above, or go to Discover corm Print your e-mail address to receive important Account information and special offers e Account Number ending in 8025 Enter Amount Enclosed Below Please make check payable to Discover Card or pay online @ Discovercard corn PO BOX 71084 CHARLOTTE NC 28272-1084 000001986458557435175000100700010070001007 Discover More Card Account Summary Closing Date: December 9, 2008 page 1 of 1 Account number ending in 8025 Previous Balance $10 07 Payment Due Dote January 4, 2009 Payments And Credits - 10 07 $10 07 Purchases 10 07 $3,000 00 Cash Advances 0 00 $2,989 00 Balance Transfers 0 00 $800 00 Finance Charges + 0 00 $800 00 New Balance = $10 07 You may be able to avoid Periodic Finance Charges, see the reverse side for details Minimum Payment Due Credit Limit Credit Available Cosh Credit Limit Cosh Credit Available Cashback Bonus' Cashback Bonus® Anniversary Month September Keep building your rewards with every purchase Start redeeming once you reach $20 Cashback Bonus(R) Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance $ 0 00 + 0.00 $ 0.00 How Can We Help You? It's your choice - 3 ways to help Please have your Discover Card available For TDD (assistance for hearing impaired) see reverse side 1 Visit Discover.com to pay your bill for no cost, view✓our latest Account information, earn and redeem rewards and more 2 Call 1 -800 -DISCOVER (347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager 3 Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions Payments and Credits Other/Miscellaneous $0 Fraud Liability Guarantee Use your Discover Card with confidence 'Trans. Post Date Date Nov 19 Nov 18 Dec 9 Nov 19 PAYMENT - THANK YOU Nov 18 IDENTITY THEFT PROTECT 800-347-3089 UT Dec 9 PAYMENT PROTECTION PPD 1.877.883.1959 $ -1007 9 99 0 08 Finance Charge Summary Average Daily Balances current billing period 30 days Purchases $0 Cash Advances $0 previous billin eriod 31 days P24111 2T29 $0 Daily Periodic Rates Nominal ANNUAL ANNUAL PERCENTAGE PERCENTAGE RATES RATES 0 00000% 0 00% F 0 00% 0 06573% 23 99% F 23 99% Periodic FINANCE CHARGES Transaction FINANCE CHARGES $0 $0 $0 $0 0 00000% 0 00% F 0 00% $0 none The rotes that apply to your Account are either fixed (F) or they may vary (V) as noted above Looking for a last minute holiday gift? Give the Discover eGft Card No driving around For the perfect gift -- send online instantly It's good for purchases at millions of locations, online and over the phone Finish your shopping today at DiscoverGiftCard com/egift Important Information If there ci more than one page to !its Moine statement see the back of sash page for addriaraf Important information See your Card member Agreement. Your CardrnerntterAgreernert contains all the terms of your Account Lost or stolen cards ttero"immediately' Cali t-60:)-347.2683 Billing Rights Summary In Case of Enters or Questions About Your Gd If you think your hitt Is wrong or it you need more information about a transaction en your tell write to us on a separate sheet of paper al Discover PO Frye 30421 Sar Lake City UT 541300421. as soon its possible We must hear front you no later than 60 days after ;we sent you the test tort cn which the error or problem appeared You can telephone us but doing so will not preserve ,your rights In yarn !falter grim us the following iniormation • Your niume and Account number • The do lar ams:rnl of the suspected error • ✓esc;ube the error and expisn if you can Why y. a believe'. here s an son! If i-ci need mare nuonnatun describe the nem you are unsure about You do not hate to pay any ansirrrt in question while we, airs stvestigettng but you are slit Cern =ed to pay ins pease your b!'t that are not on question Willa we investigate your question We carnet report you as delinquent or take any adroit to Wilecat the amount you uae5lian Special Rule for Credit Card Purchases !f you have a problem with the qua'm of goods at serytces that you purchased with a credit card and your have tried in good faith to correct the problem win the merchant you may nut have to pay the rentr.n:ng amount due 'o on Vitt gcods or ser torso You hate this protean only when the purchase pane was more than Sat and the psala e was made in your home state or wrttrr:l IOU miles of veer, mating address Of we oust cr operate the merchant or dike mailed you the grin rt seine t for the e,ortels or seri,ces aft purchases ore covered regardless of the amour: or ncahen of porches:: f Payments Send only your payment and the top portion of this sialenment rt the envelope pro ncerI Do not send cash Ey sending your check as dcscntsed a bcve you authorize us to use .information or your cheer to make Ire nta:trenic Rind ttenafer fromrs yunrar:cmnr at the furtncidi institution indented on your cheek or to rirocess'ihe payment as a drank transaction II aayment is processed as en Menne:n>c fund transfer rise transfer will be for the amount on the check lAnnen we true I nfermaboe front your attack to make an electronic ftind transfer funds may be withdrawn ham yuan account us seen as the saline day we receive your piryra sit. and you ono', nal rear:re yarn check back horn your financial irinnhtutiun The processing of ye•:ir payment may be delayed rf you acrid cash conesponcence or other Carne wdh your payment. if can send etre payment to any other address or it yarn use an envelope other than the one wearied Payments received in proper (start at our processing (acuity by 5Phi local lime on any day will be credited to yen' Account as of that day Payments received at our proccssrty fau4ry after 5F? f tical nine will be credited le youehccowtt as of he neat day If you have misplaced your enVelupe send year payment to Discover PO Ear 6105 !tarot Stream 1.S0113-6103 Please akav:7-1b-days!drde+tverydyam payment rereturnecl:mendd we nestriuc tire unfit toresubmr; II us an erlectsarradsnhrt You can pay yourminmrum payment or a greater amount over the letepttone and you can set up automatic payments Call us at 1-S003471663 You .ret need tits statement and your bank account rnlcrinauon You mast ensure that sufficient funds are avar'lahfr in your bank account and all transactions must amply with U S law'1'oti waif be asked to provide the first 5 digits of your account statementzp code By entering those numbers as your electronic srgnnnree you will be agreeing laths authorization to allow us and your bank to deduct each pa;'nient you authorize from your bank accaant, and to molars debit as credit entries ro yotu bank acrcoanr as applicable to correct an error In the prceestnng of such payment You must tell us the unlearnt f each payment or yon can select an arm/ant such as the Minimum- Payment Due et the New Basaoce en each statement. You can cannel a payment hsrsaaerr tate must receive notice at least three business days in advance of he scheduled payment. Yeti may notify us by phone ar 1-800-347-2607 or by matt at the address rioted in the precious paragraph If your payments may vary In amount we wit len you an each monthly statement arheit yaw payment will be made and haw much noel' he Your Automatic payment amount may be less (hart indicated Uri the monthly statement based on crerhio cr payments applied daring the brisryn cycle Credit Reporting ty:'? may 'upon ntoraseiruin about your account to credit imreoue bete payments missed payments or other defaults 0't your account maybe reflected in year credit report. We rormairy report the status and pavrrni history of ,your Hccounun credit renonrrg agencies each month If you believe that mi rennin is inaccurate or incomplete please Artie us el the fotlorrng address Discover PC Sox 15316,'Ju':lrrenelen, OE 13550-53nii Please include your name address home telephone number and Ancona! number PERIODIC FINANCE CHARGES. Periodic Finance Chaises are imposed on alt iiartsaelinns tram the dale the iransa-tton is posted tic y aur,Necaunt until the date you p'su Incur entire Noss Balance by treeing payments or rec wring mot to Hen'neer if you paid the New Balance on yon;r previous heli:nil statement by the Payment Due Data shown en that statement and roc pay the New Balance. by the ?agmen! Due Date ilii your Current biting statement we vmfl nr innpese Peoedic FFiance Charges on new purchases that in, purchases fest aafr arrear en the current statentenn We call this rile grace period Ce tera:se you will rerr_am a bitting statana_et next mond; trial includes Penodia Finance Cheirues on those retia purchases There is Ila grace period nn ba _amoe transfer- or cash advances Y We sort pour lariseclans (nor groups rl purchases crash advances and bel; rice transfers and then further sort the trarrsarhuri.s within each group by thee Annual Percentage Flare For exaei de pre chases subject ti a prameticnnel rate and poiclimes nutrient to a standard rate would ha se,.yarrte groups We refer to !hese. atones as, transaction categories Ar the end et each b4iiitq period we compute balannes and Periodic Finance Charges for each day of the Mina penal for each transacbort roategor, We use the fatler:etg equation to compute Fetlock Finance Dames fur each banrachon category Average Lya't; Balance x nrtniba of days in the. Inning ;i- u 3 x Carly Pat of Rate (Yeti [nay refer In the finance. (harc;e summery on youn fulling statement for mese amounts) Then ice add up the Periodic Fiance Charges for each transaction category to get the total Penodic Finance Charges for your Acxant TheArefage Daly Balance IF shown as wire if be'neuse of the grace period no Pei iadic Finance Charges apple to the (hitariEe m a transaction category We use the Average Daty Ba ante tmctudng new transactronsl method of calculating the berance Linen which ae impose Periodic Finance Charges. We compute the Average Daily Balesee far each transaction category by adding up ell the daily balances in a titling perked for a nansnc!:an category and during the total by the n mrber of days in the billing cycne the compute the dairy balance for eed, transaction canec:ore on each day by First adding the foster,^ng to the (racoons days date ha'tance 4ansact:ons trade that day fees charged that don and Periodic Fnnartce Charges accrued tii the pree:ous days daily balance and by then subtracting any credos and payinenrs that u e applied against he balance of the aantes:iron category on that day In calcutatng the dad; bak-nce tot the fest eta: of the billing paired we consider the previous days bdiance is have been your balance int each transacaon cate<goiy on the fast day at your ;;re;nsuin tidies period if a transaction is nested to year Arrtinf after the close of the bulling period nn wretch e out-nu ; we will that She transeatnan as hay- :rte °cor red on the first day of the biting period in which rf is posted no your Account Al fees:merged re pole .Anwmmt are aerie d to the standard purchase transaction category with the exception of Cash Advance: Transaction Fete Friaries: Chases Mich are added to the apeh:;t.htu case: advance transaction category and Balance Transfer Trams acraan Foe Finances Chargeswh:ch are added to the applicable balance transfer transaction ca:eyoty When a spoo,at bsience transfer rate erpnes ere (mon the unpaid balance of the batair:,c transfer and the Balance Transfer Transaction Fen Finance Charges la the standard purchase tmnsanhon category However if the special rate ins been terminated under the Default Rare Sten we, Rare the unpaid balance of the balmiest transfer and the Eafan ce Transfer Trans- tutrar; Fee Finance Cherges in the spfnScab!e trans+cion category u emit the special rate 'toted have expired For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347.7449 Discover miry monitor andror recxrd telephone calls hehreee your and Discover n miser iatwes for quaint assurance purposes Tile Discover card is issued by Dissever Flank lufember FO's(. 30212729 C1TBtt170 DISC VER New Balance $10.07 TAMSON M DORSEY 429 S YORK ST REAR MECHANICSBURG PA 17055-6405 Minimum Payment Due $10.07 Payment Due Dale February 4, 2009 Address, e-mail or telephone change2 Print change in space above, or go to Discover corn Print your e-mail address to receive important Account information and special offers Account Number ending in 8025 Enter Amount Enclosed Below Please make check payable to Discover Card or pay online @ Discovercard corn PO BOX 71084 CHARLOTTE NC 28272-1084 000001986458557435175000100700010070001007 Discover More Card Account Summary Closing Date: January 9, 2009 Account number ending in 8025 Payment Due Date February 4, 2009 Minimum Payment Due $10 07 Credit Limit $3,000 00 Credit Available $2,989 00 Cash Credit Limit $800 00 Cosh Credit Available $800 00 Previous Balance Payments And Credits Purchases Cash Advances Balance Transfers Finance Charges New Balance page 1 of 2 $1007 10 07 + 10 07 + 0 00 + 0 00 + 0 00 $10 07 You may be able to avoid Periodic Finance Charges, see the reverse side for details Cashback Bonus') Cashback Bonusi Anniversary Month September Keep building your rewards with every purchase Start redeeming once you reach $20 Cashback Bonus(R) Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance $ 0 00 + 0.00 $ 0.00 How Can We Help You? It's your choice - 3 ways to help Please have your Discover Card available For TDD (assistance For hearing impaired) see reverse side 1 Visit Discover.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more 2 Call 1 -800 -DISCOVER (347-2683) for fost, easy self-service options or to speak with a Customer Service Account Manager 3 Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions Payments and Credits Other/Miscellaneous $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Date Dec 31 PAYMENT - THANK YOU Dec 17 Dec 17 IDENTITY THEFT PROTECT 800-347-3089 UT Jan 9 Jon 9 PAYMENT PROTECTION PPD 1.877-883-1959 Post Date Dec 31 $ -1007 9 99 0 08 Information For You Balance Transfer offers) for current billing period: Daily Periodic Rate 0 00545%, corresponding ANNUAL PERCENTAGE RATE 1 99% Discover Gift Cards make the perfect gift for birthdays, weddings, baby showers and more They can be used at millions of locations Make it special by picking a design and personalizing with a name and greeting Best part -they ship FREE! Or e-mail a Discover eGift Card to make sure it gets there on time Buy at DiscoverGiFtCard corn/occasion 30212729 Valentine's Day is lust around the corner Find the perfect gift online and earn extra rewards through ShopDiscover Earn 5% to 20% Cashback Bonus(R) at over 100 top online retailers like Blue Nile, Godiva, and FTD corn when you link through Discover corn/shop today! Important information If berets slum than one page to this bihrg statement see the back of each page for additional Important information See your Cardnrember Agreement. Your CatdinemberAgraenert contains all the teams of yr-•urAssount Lost or stolen cards Report immediately' Cat 1-600-347-2d53 Billing Rights Summery in Case of Errors or Duesnons About Your Silt If you bunk your bill Is e rung or i1 you need more information ebnut a transaction on .our hit write to us on a separate sheet of paper al Discover PO Box 30421 Salt Lake Cit UT 641300421, as soon en possible We must tear from you no later than 60 days atter we sent you Inn first bill on which the error or proVem appeared You:en telephone us but doing so will not preserve your rights In yore kilter give us the foiownsg oliormo!ion • Yaut nettle and Acnoun l number • The dollar amorint of he .suspected War • ''esnnbe the error and expluer if you can why you betimes theta is an cum If eor need more nrfnnna9oe desontre the Hein you at tnsrne about You do not hare to pay ony an+.hunt in tluesnon whde we am inveetigat.ng but you are eh( obheared to fay the parted your b!l that are not yr genitor' While we investigate your question we cannot lepoil you as delineunnl or take any action to collect the amount ;rod question Special Rule for Credit Card Purchases If you have a problem with the quality of goods or services that you purchased with a credit card and you have tried in pod faith to correct the problem v:nh the reeichert you miry riot have to pay die ren mint amount due on the eucds ar ser,itcs You ear this p;otection only 'den the purchase pine was more then S53 and the purchase woo nude in you! home state or within 103 irides of your eating addraia lit tee own or operate the merchant or it ore matted you the advertisement for the hoods or ser ices at prechases are covered regard ess of the a mount or mason of purahase) Payments Send only' your payment and the top portion of this statement to the envelope provided Do nm send cash By sending your check as described above you authorize us to use ndomrdeoo on your died, to makr, an eiactrerhrO fund transfer from; yore acc,nnt at the financiol institution :rde<•rte d nn your cheek or to prpcon s the payment as a Olin' Iransacs,un II payment r proceseed as an electronic fund transfer be: !roaster will be for the amount on the cheek When we use information from your check to make an electronic fund transfer funds may be withdrawn troin your account us soon ai lee same day we races- your payment and yell uviti not ruotaiee your check back horn yoar financial innliturron The processing pf yew payment :nay he delarid if you send cash eerie:pond-ince or other items with your payment. if you send the payment to any other address or t€ you use an envelope other than the one pronged Payments ter -owed tn proper town at our processing toothy try 5PM local time on any day'rrdl he credited to your Account as of that day Payanent reset•red at our processing facility after SRI loom tune will be credited to yourkcoaunt es of the nen day If coo heave misplaced your envelope serol your payment to Diecever PO Box 6103 Carol Stream IL 601E7-6103 Please cOax 7-10 days for t'le'IYeiy rf your {hayirtent is retuned rrroaid we resettle Ilio right to resubmit tl as an electronic debit YOU can pay ;our mo nmum payment ora granter amount over the telephone and you can set up automatic payments Call us at 1-000.347.2683 You will need this statement and your bark account ONoertation You must erisrne that sulfide;tt Curds are avertable le roil. bank account end all ear:eactons mi rut t:rntrply ner€r U $ lair You wit be asked to ptovlde the fust digits of your account statement zip cede Byentering those numbers as your electronic signature you will be agreeing to fres authorization to alloy us and ;our bank to deduct each payment you authcarze tram you bank account. and to enlists debit OE dealt ecxies;o your hank acoolrnt, as apps ca';L to :oneta ail error re the processing of such payment YOU ruin' tell its the amount el each payment or ynu can select an amount such as the Minimum Payment Dae or the New Balance en each stateroom. You can camel a payment however we must rococo notice at least free business days in advance cif the scheduled payment. 'tau may notify us by phone al 1-800-347-2633 cr by nail at the address listed in the previous paiapraph If your payments may baty in amount we wit tell you on each monthly statement when your payment vat lin made and how muchewe! be Your Automate. payment amount may be loss than indicated on the monthly slulement based on trent, or payments epeted Miring the bitting Cycle Credit Reporting We n'ay Well information; about your account to credit bureaus tate payments nnsse.d payments or other defaults on •vcur account may be reflected to your credit report. We normally repent the status and paylmmseirt 116.7ye of your Account to credit reneging agencies each month If you believe that our repel': is ineccura!e or incomplete please 'Arlie us Cl the following address Ellskeren PO Box. 1531E, y'6nnylon, DE 19550.5316 Please include your name address home telephone,rumbsr and Accarinl number PERIODIC FINANCE CHARGES. Pered:c Finance Charges are unposed on ail transeehcurs from the dale the earsarterm is poster; to your A; i3unt until the date yon pay pa entire Nes, Balance hr making poyrrtemms or re^°suing meds However ti you pate the Naw Salaries ori your previous hitting stetament by the Payment Due Dara slur:en on that statement and yea pay tire New Balance by the Pa:memnt Due Deb on your torrent biting statement we wit art mouse Pxlnde Finance Charges en sew purchases that iv. ;,uirlrases first appearing err the commit statement We call this the grace period Otherwise you will receive e hdhng Stotelnurl ?lex; nirrnth trial mclur'es Penode. Finance Charges on those rime purchases Theile. IJ no p ice period on balance imagers Si cuuir aduan lei We sod your trurorsac^ens into groups of ptirduses cash advances rind baleece irubietees and then tether sod the transactions within each group by thee: Annual Percentage Rare ^or example purchases subject m a picrnciicna: tate and rnrciases subject to a standard rale wolfed he separate gaups We refer to those groups as transaction cntagones At the end of much Miers period we =impute balances and Periodic Finance Charges for each day of the biting ,;_nod for each transection category We use the following equation to compute F'enndle Finance Charges for eecfr transaction oateucry Average Daly Balance x rrlrnnbsr of ;lays n the biher.g period x Daily Petiole 'Rate (You inlay rater if; the hnsnce r'barcie nutriment at your bring statement for these amounts ) Then we add up the Peredic Finance Charges for each transaction category to get the iota`: Parodic Finance Charges for you! Acrylfunt The Averege Daily Felvtnoe is l- mi as :xro d be_ause of the grace period rte Pei alio Finance Charges any!; to the faiari e to a eanseceoe category We use the Average Daly Ba!snce (brelbg new transaceens) method of calculating the balance :boo 'which ear impose Periodic Finance Charges. We compute the Average Daily Balence for cacti transaction category by adding up ell the deity balances to a While period for a Ftansactiun category and deeding the rota€ by the number of days an the billing Gyve Vie compote the deny balance for cod, rtansoction cateeory on each day by Orel adding the foticrsang to the previous days daly balance traroacbons rude that day fees charged that da✓ and Periodic R^anon Charges accoied ori the previous dady s daily balance and by then cube -awing any credits and payments that cue applied against the balance of the tra:^:salmon category co that day in calculating the gat, balance for the first dew of the. Milling petrol me consldei the preeions terry s beanie to hare been your balance for each transaction catego y on the Iasi day of your peewees hiding period it a trnsactar is posted to eour Account after the close of rho hitting period in which rt ocean we will treat the liens/roan as hue - ;rte occurred on the first day of the bti,tng period in which a ns pasted ro your Account Ail tees emerged to grout A.fxmt are ateed to the standard purchase: transaction category telt the exception uF Cash Advance Transaction Fee Finance Charges winch are added to be applicable cosh advance transact on category and Balance Transfer Transaction Fee Finances Charges r, tech are added to the applicable balance sonata transaction caeyorr When a spa., al balance tremsfer rale expires we move '?e unpaid balance of me bnlane transfer and the Ltafanee Trarefer Trans.aotron Fee Finance Charges Is the star; aid purchase tar, bOctnun caegoiy However if the speual rate_ has been terminated tinder the Default Raie Plan we lease the emend balance' of the kala sm transfer and the Batarce Transfer Trans- setr s Fee Fina^Cie Cha'ges In the usitpbnab le transaction nn Lege trial the special rate would have expired For TDD (Telecommunications Device for the Deaf) assistance, please call 1.800-347-7449 Discover new monitor aridity reeorl teiepbone calls between you and Discover rept eseriahves for quality aster ones paposes Tire Dlscoret chid IS issued by Disasvet Hank. ?member FD€% 30212729 OlTEK17O DISC VER It pays to DISC VER TAMSON M DORSEY Account number ending in 8025 Closing Date: January 9, 2009 page 2 of 2 Finance Charge Summary Nom final Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period 31 days Purchases $0 0 00000% 0 00% F 0 00% $0 $0 Cash Advances $0 0 06573% 23 99% F 23 99% $0 $0 previous billirigseriod 30 days Pt,302el2T29 $o 0 00000% 0 00% F 0 00% $0 none The rates that apply to your Account are either fixed (FI or they may vary (V) as noted above Questions? Manage your account at Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISC VER New Balance $10.07 TAMSON M DORSEY 429 S YORK ST REAR MECHANICSBURG PA 17055-6405 Minimum Payment Due $10.07 Payment Due Dote March 6, 2009 Address, e-mail or telephone change? Print change in space above, or go to Discover corn Print your e-mail address to receive important Account information and special offers Account Number ending in 8025 Enter Amount Enclosed Below Please make check payable to Discover Card or pay online @ Discovercord cam PO BOX 71084 CHARLOTTE NC 28272-1084 000001986458557435175000100700010070001007 Discover More Card Account Summary Closing Date: February 9, 2009 Account number ending in 8025 Payment Due Date March 6, 2009 Minimum Payment Due $10 07 Credit Limit $3.000 00 Credit Available 52,989 00 Cash Credit Limit $800 00 Cash Credit Available $800 00 Previous Balance Payments And Credits Purchases Cash Advances Balance Transfers Finance Charges New Balance page 1 of 2 $10 07 10 07 + 10 07 + 0 00 + 0 00 + 0 00 _ $1007 You may be able to avoid Periodic Finance Charges, see the reverse side for details Cashback Bonus' Cashback Bonuse Anniversary Month September Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance $ 0 00 + 0.00 $ 0.00 How Can We Help You? It's your choice - 3 ways to help Please have your Discover Card available For TDD (assistance For hearing impaired) see reverse side 2 3 Visit Discover.com to pay your bill for no cost, view vour latest Account information, earn and redeem rewards and more Call 1 -800 -DISCOVER (347-2683) far fast, easy self-service options or to speak with a Customer Service Account Manager Write us at Discover Cord, PO Box 30943, Salt Lake City, UT 84130 Transactions Payments and Credits Other/Miscellaneous $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Post Date Date Jan 29 Jan 29 PAYMENT - THANK YOU Jan 17 Jan 17 IDENTITY THEFT PROTECT 800-347-3089 UT Feb 9 Feb 9 PAYMENT PROTECTION PPD 1-877-883-1959 -1007 9 99 0 08 Information For You Balance Transfer offer(s) for current billing period: Daily Periodic Rate 0 00545%, corresponding ANNUAL PERCENTAGE RATE 1 99% Finance Charge Summary Average Daily Balances current billing period 31 days Purchases $0 Cash Advances $0 previousbillin nod 31 days Pu3O24 2799 so Daily Periodic Rates Nominal ANNUAL ANNUAL PERCENTAGE PERCENTAGE RATES RATES Periodic FINANCE CHARGES 0 00000% 0 00% f 0 00`' $0 0 06573% 23 99% F 23 99% $0 0 00000% 0 00% F 0 00% $0 The rotes that apply to your Account are either fixed (F) or they may vary IV) as noted above Transaction FINANCE CHARGES $0 $0 none Planning a Spring Break trip? Whether it's near or far, book online and save -- with 5% to 20% Cashback Bonus(R) at over 100 top online retailers like Carnival(R) Guises, MyHotelStay corn, and Thrifty car rental! Just link through ShopDiscover(SM) at Discover corn/shop Important Information if there is more than one page to this biting statement see itis back of each page for additional Important nn`ormetton See your Cardmember Agreement. Your Cardmember Agraernerl contains all the term of Parr Auuourd Lost or stolen cards Report +nrmdiarelyrCali 1$00.347-2483 Billing Rights Summary In Case of Errors or Questions_ About hour ilii If you think your bill rs wrorsg or if you need more information about a rrarsoctior. on nor hill arse to ue on a separate street of paper et Discover PO Box 30421 Salt Lake City UT 64130.0421, as soon us passible We must hear horn you no later than 60 days after we sent you the fast bill or wird, the en -r: or problem appeared You can telephone us but dung so will not preterm- your rights In your letter goat us the following rntorma!ron • Yaui name ani Account number • The dollar amount of the suspesled error • Describe the error and expton it you can why yen believe !here is an error It eon need more intimation describe, the don( you are emir abo;n You do sot have to pray any as x;til in question while rave are enrestrget ng but you are sfii ab'tpated to pay trio pans of your bill that are not aro question Curia we investigate your qu`seon we cannot leper( you as delinquent or take any action to codect the amount you question Special Rule for Credit Card Purchases If you have a Problem with the quality of goods or services that you purchased with a cretfrt card and you have tried in good faith to correct the problem with the rrtechent Ito rr„ty runt ha:a to Pay the remaining amount due out the condo or ser.res You i e this protection only when the purchase, pltea Yam more than es) and Pre purchase woo mode in your home stale or wither 100 riles of your mating address tlf we oto: or operate the merchant or like maned you the advertisement for the gods or services aft purchases are covered regardless of be amount or localon of purchase Payments Send only your payment and the top pence of this statement to the envelope provided Cu rot sand cash By sending your check as deserted above you authorize us to use Inlernre•uor on your chock to maks as etacnonrc kind ua isier'f:om your acconnt at fie financial rnsti uaorr irdrn hid on van check or fa process the, pays len! as a check l:-nsacton 11 payment is processed as an ekctranrc fund transfer tfuo!rooster .will be for the allounr on the check When we use information from your check to make an electronic fund transfer funds may be withdrawn horn your account as soon as Me s acne day we reverse .your payment and you :tti nol receree your check back ham your financial mnutuhon The processing of y;Ir payment gray he delayed rt you send cash correspondence or ober reins with your carnet. it you send tire payment to any other address or ri you use an envelops ether than the one prcrlded Paynmrrs received in proper faro at our processing both( by 5PM local tame on any day will he credited in yeirAccount es of that day Pay:nents recurred at our processing facility after SF11 !coat time will be credited le your Acwunt as of the nen; day If,ayu hose misplaced your envelope send your payment to Oiesover PO Bot 6103 Carol Simeon 11..601B7.6103 Please a`iow: 7-10 mays Ir ulenryery If yotir pelmet r re returned unpaid we reserve lir-e righ€ to resubmit rl es an electronic dabit. You can pay your minimum payment ora greater unmoor over the ietep•,lona and you earl set up autorairc payments Cal: us at I-600.547.203 You otic' need this statement and yarn bank account Herniation You roust ensure that surficrerrt fends are avatable til your bank account and all transactions an ist comply with U S tare You aril be asked to pioy!de the t`cest. 5 digits of your account statement zip cede By entering rinse numbers as your electronrr, srgnettre yeti wall be agreeing to this authorization to allow us end your bank to deduct each payment you autlrrnze front you( bank account, and to initiates debit or credit erodes re yore bunk account. as applicable to xi” art an eiror.'n the processing cf such payment Your must tell us the amount cf endo payment or you can sc€ect an amount such as the Minimum Peyrreet true or the New Balance on each statement. You can cancel a payment hoera•,•er we must teceire notice al least three business days in advance of the scheduled payment. You mey notify us by phone at 1-800,307,2683 or by marl el the address fisted in the previous paragraph If your payments may very in amount we writ felt You nn each monthly statement when Your payment Mite mode and Saw much it will be Your Automatic payment amount maybe less then indicated our the monthly statement based OR tonne or payments (lp ted during tire billing cycle Credit Reporting We may report nformelce about your account to credit bureaus Late payments nursed payments or other defaults on your 0050rrnt meg be refected tr your credit report, We Formally report the status arid payment micron of your Accourue credit reporting agencies each month if you believe that our repay 0 inaccurate or incomplete please write us el the fohor:nng address ttisks:rr PO Box 1 310,',:Iminmor, CE 10350.531n3 Please Include your name- address horse telephone number and %ucarrrnl number PERIODIC FINANCE CHARGES. ?ero:5c Finance Chaiges are imposed on all transactions from the dale the transaction is posted to your Account until the dare you posy your mise Now Batanee by rrakrnq payments or renewing cedes I -rave: sr it you pain the Neew! Balance. on your previous hilime statement h; the Pigment Due Cale shown on that statement and •.•ou pay the New fdalanon try the Payment Due Cele on your current Meg statement we yell ort unrause Periodic Finance Charges no now purchases that is, purchases fast appoanire en the current statement We call Rus Itte grace period Otherwise your will recess,: a hitting statement next month that rectories Periodic. Finance Charges on these new purchases There rs no grace period no balance trursfe, s or cash advances We sod your transactions into groups of purchases cash advances rand balance masseurs and then further sort the trorrroocrurs rr urea each group by curl Annual Percentage Rare =or example purchases subpar -sic a pinincedenai rate and ten chases subject to a standard rale would he. sapar?te gape We refer to these groups as Ircr sactlon categories As the end cif each failing period we coincide balansao and Periodic Finance Charges for eai,rr day of the biting period for each transaction category 'Are use the following equation to compute Penuche. i -ins its Cheonns for each tia'ur, r l oo kr egnry Average DaRy13effoRee e i outer of !lire to the Leung r- rad x Daily Panodic Rate IYnu may refer to ro w hnanrx charge summary or your bri;teg statement for these amounts i Then we add up the Perloclic Finance Glances for each transaction category to get the total Periodic Frunze Charges for your A'rcrnt Tits -Average Carly Ee!anae lv sh^sn as zero II because of the piece 'tremor' Imo Pertrdoc Finance Charges apyt, to Rte inalan:e in a bansectioe category We use the Average Garry Balance Iunekefing new transactions) method cf calculating tlx: balance onus which rve mrpxe Periodic Prance Charges We compute the Average Dally Salons for each trersechon category by admin up all the daily balances m a biting period for a- ha:tsactun category and nb-srding the tote( by No number of days a; the billing curse ;he corupa?a the daily balance for each rransm trap category on each day by first aiding Cu following t, the provisos dogs daily tielancs transactions ;rade that day fees :harped that day and Periodic Finance Charges accrued un the previous day s daily balance and by then subtracting any etecbrs and payments that tee applied against the ba:anoe el this hensar:uon category on that day In calcu:atung the darts balance for the Pot da•: of the billing period we consider the 'previous dap s balance no have been your balance for each bansacaon category on the test day of your preuuous, tilling penal iia transaction is posed to your .Account attests-rause of the billing poured In Much ncch it amino we will Inset the hransadrrm as haw n ip occurred on the first day of lime billing mired in which ii us posted to your Account All fees u larged to yore A•xorrnt are added to the standard purchase Iransa^han category with the exception of Cash Advance T arreatrron Fee? Finance Charms wfuch are eddend to the app€ cable cash advance transaction category and Balance Transfer Transacts:1 Fee Finances Cltarges:v rich are added to the applicable balance transfer transaction category Wham a sp•':cuet balance transfer rate espies iso wove the rrrmuoid balani -.g of the I:cterine transfer and the Balance Transfer Transaction Fee Finance Charges t0 the standard purchase transact= category However it the specaal ruse tine bees lernirnaled :rndei the Default bare Fin we leave the unpaid balance of the baleroor bander and the Balance Transfer Trans- action Fee Finance :herpes Irl the applicable transaction category ural the special rate onsotd have expired For TDD (Telecommunications Decree for the Deaf! assistance. please call 1-800-347-7449 Discover may rancor ander retract telephone calls between yeu and Cleaver repiesentartie= ter quality v=eer ares: purposes The Disco -oar card is issued by Discover crank Member FDIC 30212729 01TB1t170 DISC VER Closing Date: February 9, 2009 TAMSON M DORSEY Account number ending in 8025 page 2 of 2 Cashback Bonus Award Summary Cashback Bonus Anniversary Date: September 9 Balance Previous Cashback Bonus Award Balance $ 0.00 Purchase Award This Period + 0.00 Cashback Bonus Award Total 0.00 Cashback Bonus Award Balance 0.00 Award Available to Redeem $ 0.00 30212729 Restrictions apply to the Cashback Bonus Partner offers. visit Discover.com or call 1 -800 -DISCOVER (1-800-347-2683) For details For program details, see the Cashback Bonus Program Terms and Conditions DISC VER New Balance $229.00 TAMSON M DORSEY 429 S YORK ST REAR MECHANICSBURG PA 17055-6405 Minimum Payment Due $15.00 Payment Due Dole April 4, 2009 Address, e-mail or telephone changez Print change in space above, or go to Discover corn Print your e-mail address to receive important Account information and special offers Account Number ending in 8025 Enter Amount Enclosed Below Please make check payable to Discover Card or pay online @ Discovercard corn PO BOX 71084 CHARLOTTE NC 28272-1084 000001986458557435175002290000000000001500 Discover More Card Account Summary Closing Date: March 9, 2009 Account number ending in 8025 Payment Due Date April 4, 2009 Minimum Payment Due $15 00 Credit Limit Credit Available Cash Credit Limit Cosh Credit Available $3,000 00 $2,771 00 $800 00 $800 00 Previous Balance Payments And Credits Purchases Cash Advances Balance Transfers Finance Charges New Balance page 1 of 2 $10 07 20 06 + 238 99 + 0 00 + 0 00 + 0 00 $229 00 You may be able to avoid Periodic Finance Charges, see the reverse side for details Cashback Bonus" Cashbook Bonus® Since Anniversary Month September $20 56 CONGRATULATIONSI Your Cashback Bonus(R) is waiting For you Visit Discover corn or call 1 -800 -DISCOVER (1-800-347-2683) to redeem Opening Cashback Bonus Balance New Cashbook Bonus This Period ShopDiscover & Promotional Everywhere Else Cashback Bonus Balance $ 0 00 + 20 00 + 0 56 $ 20.56 How Can We Help You? It's your choice - 3 ways to help Please have your Discover Card available For TDD (assistance for hearing impaired) see reverse side Visit Discover.com to pay your bill for no cost, view your latest Account information, earn and redeem rewar s and more 2 Call 1 -800 -DISCOVER 1347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager 3 Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions Payments and Credits Other/Miscellaneous Travel/Entertainment $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Post Date Date Mar 1 Mar 1 INTERNET PAYMENT - THANK YOU Feb 17 Feb 17 IDENTITY THEFT PROTECT 800-347-3089 UT Mar 9 Mar 9 PAYMENT PROTECTION PPD 1.877.883-1959 Feb 27 Feb 27 HERTZ CAR RENTAL DALLAS TX $ -20 06 9 99 2 02 226 98 Information For You "'ATTENTION"' The day of the month that your payment is due will be changing Your new Payment Due Date will be printed at the top of the remittance coupon on the statement you receive for your billing period that ends after May 1, 2009 Your Payment Due Date will continue to be at least 25 days from the Closing Date shown on the billing statement Balance Transfer offer(s) for current billing period: Daily Periodic Rote 0 00545%, corresponding ANNUAL PERCENTAGE RATE 1 99% D302121729e 0 01093%, corresponding ANNUAL PERCENTAGE RATE 3 99% Important Information if there r : more than one page to! his Mins statement see the back of each page for additional impatient information See your Cardmember Agreement. Your CardtnemberAgreernent contains all the terms of ;^turAccuunl Lost or stolen cards Report roan: orely' Cali 1-SUO-347.2;83 Billing Rights Summary In Case of Errors iv Questions About Your Pili if you think your bill s wrong or if you need more information about a transactor on your hill mite to uf, on a separate sheet of paper at Discover PO Hex 30421 Salt Lake City UT 54135.0421, as soon ore possible We must hear front you no Nei Man 60 days after we sent you the fist bill on Mid, the error or problem appeared You can telephone us but deny so will not preserve your. rights In your Bitter give us the following n.tarmaion • Your mine atid.4covum number • The dollar amoral of the suspected error • "Describe the error and ex};4:m if you can ally you believe ',here is an suer If roil need more nrtonnauorr desdnbe the item you ar e sore about You do not hake to; fay any uncurl ni question while. We ate rnve.strga;inn bvt you are shli ob)gated to pay the prise. your bili that are nut an .question While the investigate your quest:on sve cannot report you us dettnqueni or take any action to collect the amount you lumen Special Rule for Credit Card Purchases If you have a problem with the quah.y of goods or services Mal you pt.rchased with a credit card and you have tried it good faith to correct the probiera with lire merchant you r, by runt ha'ee to pay Bre remaining amount due on the roods or ser,irre YOU tare Mrs protection snip when his purchase pure was more than S5t1 and the purchase rose rade in your horny stale or wrthirr 300 orales of your mating address Of we own or operate the merchant or dors matted you the advertisement for the goods or serices all purchases are covered regardless of the amount or Matron of purchase I Payments Send only' .our payment and the top porton of this statement in the envelope provided Do rot send cash By sending your check as described shove you authorize us to 'Inc edornra on on your chock to make rd- olantronic Lind transfer hoe your account at the financial rnstr'iuucrr rndorotted on voter check or to, process the payment use dreck I rnsackorr II payment is processed as an electronic fund transfer Ire transfer will be €m the amount on the check When we true infomtaber: from your check lc stake an electronic fund transfer funds may be withdrawn frain erre account us soon as Me same day we receive your payment and ymi :till not reserve your check back hoot your financial institution The processing of your payment fray he delayed t1 you send cash correspondence or odber rtelos with your pa, hent. if you send the payment to any other address or rt You use an envelope other than the one prtrueied Payments recurred in proper harry al our procession facility by 5PM local tries on any day will be credited to yore-Account as out that day Payments recurred at OUT processes reality alter SPM loco. time will be credited to your Account es of the next: day If girt Pave misplaced your envelope semi your payment to Discover PCi Bus 8103 Carol Scream L 60187.0103 Please stow 7-10 days for sleeves/ 11 you payment re returned unpaid we reserve tt:e right to t-zsuhteit it as an clot:Panic debit. You can pay your minimum payment or a greater amount over trio telephone and you can set up autocratic payments Cali us at 1-it00-2,47.2583 You nail need this statement and Your bank account rrlomratror, You must ensue drat sufficient funds are avaouhle m your bank account and an transactors crust comp^y with li Stars You will be asked to piuvide tile first 5 dtprts of your account statement zip code By entering those numbers as your electronic signature you will be agreeing is this authrr¢atun to allow us and your bank to deduct each payment you authnnse front eaa book account. and to initiate debit or credit entries to your bank account. as applr,bie to wiriest an etre( rn tire processing of such payment You must tell us the amount of each payment or you can wrest an amount such as the Minimum Payment Due or the Nese Balance on each statement. You can camel a payment however we must receive notice at least three business days in advance of the scheduted payment. You may nerdy us by phone at 1-800-347i2683 or by mail at the at-dress sted rn lire previous paragraph I; your payments may vary ru amount we will toil you on each monthly statement when your payment writhe made and haw roach it tan be YeurAutnniattc payment amount may he less Man irulicated ch me monthly statement based on credits or payments apPmed dire :g rhe bitting cyte Credit Reporting ',4emay report infer melon. about your account to credit bureaus Latepayments missed payments or other delanrlls Ott vent account shop ce reflected no tsar Ctodul report. We ncrmaliy report the status and paye;er, history of your Account to credit repo:"u0) agencies each month if you believe ilia; out tepoll is inaccurate or incomplete please write us el the following address :Discover PD Box 15313.'Ja':hnnotoo, DE 19350.5316 Please include your name address home teiephore number and,secot:ni number PERIODIC FINANCE CHARGES. Periodic Fiance Charges are imposed on all t orrueouarrs from the dale the transaction is posted ro your Sacounl until the date you pay your entre New Balance h✓ making payments at ter acing credits However if you pard the Nue: Balance on your previus btli:nc stat near, he the Payment flue Dots shave no shot statement and you pay th= New rP.alanron by lire Payment Due Date on yourenereni billing statement ss :t-iil nr:t mr000ir Periodic Ftirance Chargee on new purchases. that ts, pturhases first appearing on the current statement if 5 can this rtre grace period Ctherrise you ;will receive e felting statement next month that includes Periodic Finance Charges on chose nag purchases There is no grace pentad on balance transfers cr cash advances We son your transactors rete croups of purchases cash advances and balance transfers and then farther sort the transactions [:ills,, each group by mea: Annual Percentage Rare For example purchases sailed to a promotional rate and pprchases subject to a standard rale would be separate groups We retai to these groups as transaction categories Al line sod of each batting period we compute balance. and Periodic Fiance Cherges Icr each dsy of rhe ist+,tng period for each transaction category Ste a4 the follow»ng equation to compute Periodic Finance Charges for each transaction category Asarag..eny Balance x number r of days in the bre;rg potr;l x Daily?aiiod:c Mare litho may raker tic the taranca charge summary or your hilltop statement for these amounts) Then :we add up the Periodic Fiance Chances for each transaction category to set the Loral Periodic Finance Charges for your Arrant Tire Aver age Daily Balance to a men as vera if be_ause a' the crate period so Petals; Finance Charges apply to the bolenae sna transection category We use Ore. Average Dar:: Balance (including new transactions} rnerhod of ca'iicuatig the balance upon witch ore impose Periods Finance Charges We commute the Average Daily Balance for each transac.rorr category by adding up all Me dotty balances Ina Vies her ad far a transaction category and dtndnig the total by the number of hays in the billing oyes live compare are daily balance for eons transaction categoy on each day by first eddag the fouovnng to the;rrewous days dally balance ltauruoions trade that day fees charged that day and Periodic Finance Charges ars::need or tire precious days darty balance and by then sof ,rarang arty credits and payments that sue applied against the balance of the transorririn caleger, on that day In calculating the o I balance for the list day of the billing paned we consider the •prcvrotis ds: e balance to have been your botanize for such trarnacaon category co the last day of your previous. ,riing period if a transaction is hosted to yfraf gcrmnf after the close of the hilung pceod :n which it genies wa will treat the transeimn as has' rig occurred err the first car of hoe billing period o which it it ,posted is your Account All lees emerged to your A•.; oir•.rt are code;', to the standard purchase transaction category with Me exception ui Cash Advance Transaction Port Faience Charges winch are added Ian the appticrbtecash advancetransaction categoryandBalanceTransferTransactionFeeFieanisCharges which are added !other applicable balance nansf roar:sermonearegor When a special balance transfer rate expires we move fIre unpaid balance of the balance transfer and the Balance Transfer Tranacrron Foe Finance Charges no the standard purchase trot-salon category However if the specal rate hna been tvrnrrnated rade: the Default Rare Plan we leave the toped balani., el the betatron Iar.slar and the Balance nce Transie Trans Hellen Fee Finance Charges in the applicable itansichon category until the special rate would nave expired For TDD (Telecommunications Device tar the Deaf) assistance. please call 1800-347.7449 Discover rare? monitor aridity record telephone calls behoeen you and Crucuwer rrn esera eves for quay q ass.^ ane prrrktses The Drsco-neu card is issued by Crscrrve; Rarrk, Member FDlD 30212729 O1TBk170 DISC VER tt pays to DISC VER TAMSON M DORSEY Account number ending in 8025 Closing Date: March 9, 2009 page 2 of 2 Finance Charge Summary Nom final Transaction Average Doily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period 28 days Purchases $0 0 00000% 0 00% F 0 00% $0 $0 Cosh Advances $0 0 06573% 23 99% F 23 99% $0 $0 previous bilhn enod 31 days Pu302el 2799 $0 0 00000% 0 00% F 0 00% $0 none The roles that apply to your Account are either fixed (F) or they may vary jV) as noted above Questions? Manage your account at Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISC VER New Balance $0.00 TAMSON M DORSEY 429 S YORK ST REAR MECHANICSBURG PA 17055-6405 Minimum Payment Due $0.00 Payment Due Date May 4, 2009 Address, e-mail or telephone changez Print change in space above, or go to Discover corn Print your e-mail address to receive important Account information and special offers Account Number ending in 8025 Enter Amount Enclosed Below PO BOX 71084 CHARLOTTE NC 28272-1084 000001986458557435175000000000000000000000 Discover More Card Account Summary Closing Date: April 9, 2009 Account number ending in 8025 Payment Due Date Minimum Payment Due Credit limit Credit Available Cash Credit Limit Cash Credit Available May 4, 2009 $0 00 $3,000 00 $3,000 00 $800 00 $800 00 Previous Balance Payments And Credits Purchases Cash Advances Balance Transfers Finance Charges New Balance page 1 of 1 $229 00 238 99 + 9 99 + 0 00 + 0 00 + 0 00 $0 00 Cashback Bonus" Cashback Bonus® Since Anniversary Month September $20 56 Opening Cashback Bonus Balance New Cashback Bonus This Period Redeemed This Period Cashback Bonus Balance $ 20 56 + 0 00 20 00 $ 0.56 How Can We Help You? It's your choice - 3 ways to help Please have your Discover Card available For TDD (assistance for hearing impaired) see reverse side 1 2 3 Visit Discover.com to pay your bill for no cost, viewour latest Account information, earn and redeem rewards and more Call 1 -800 -DISCOVER (347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Payments and Credits Award and Rebate Credits Other/Miscellaneous Trans. Date Mar 20 Mar 12 Mar 17 Use your Discover Card with confidence Post Date Mar 20 INTERNET PAYMENT - THANK YOU Mar 12 REWARD REDEMPTION CREDIT Mar 17 IDENTITY THEFT PROTECT 800.347-3089 UT $ -218 99 -20 00 9 99 Finance Charge Summary Average Doily Balances current billing period 31 days Purchases $0 Cash Advances $0 previous28 days P30212729 so Doily Periodic Rates Nominal ANNUAL ANNUAL PERCENTAGE PERCENTAGE RATES RATES 0 02532% 9 24% V 9 24% 0 06573% 23 90% F 23 99% Periodic FINANCE CHARGES Transaction FINANCE CHARGES $0 $0 $0 $0 0 00000% 0 00% F 0 00% $0 none The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above Important Information If there rs more than one page to this biting statement see the hack of each pegs for additional important Information See your Card member Agreement. Your CwolrnemberrAgreeme -t contains all the farms of yourAocounl Lost or stolen cards Report mrmediatclyl Cali t, -600-347-2683 Billing Rights Summary In Case of Errors or Questions About Your Cul If you thunk your lila is wrong or if rue need more information about a transactor on pour tall were is us on a separate sheet of paper or Discover PG Box 30-121 Sat Lake Crt UT 84130•0421. as soon as possible We must hear from you no ilei Mania') days after we sent you the hist bill on which the error or problem appeartai You can telephone us but doing so will not preserve your rights In purr b fuer give us the fottowi :g Information • Your n ore and Auuoont number • The dollar amount of the suspected error • vestxrse the error and expiall it you can why you Geneve there is an no If yon need more inhumation desrnue the item you are set about You do nob have to pay yew Cou noel lit yuesuon white era are investigating but you are out obh aced to ;ay iris onset* your b:' that are not ave question While mvc rncesirgare your question we carnet report you as deimqueel or take illy action to collect the amount you eue5!Wn Special Rule for Credit Card Purchases If you have e problem with the quaky of goods or services that you purchased with a credit card and you have tried in good fait to correct the problem yeah ;ire merchant you retry not have to pay die ren:doing amount due' tar the floods or serer:ys You hope lies protection only when the purchase ;aro was more than 050 esti the pundreco was rine in you! home state or withal 900 mutes of your marling address Ili we owl; Or operate the merchant or if we mailed you the a<iaenlsemen for me goods or services 0 purchases are covered regardless of the arra:n: Cr Mallon of purchaser Payments Send only your payment and the Iup cordon of this statement in the envelope proasded Donor send cash By sending your check as described above you authorize us to use information on your cher* to maker ars ety::tuonto food transfer `ion; yrmaitcount at dm financial Inelilutron vend sok it on your check Or to ;nnoOe55 the payment as a drac h Iransac$nn ft payment Is processed as on ebcfroirc fund transfer flee transfer will be for the amount on the-cheek When hen vie line informat:on from your check ro make an electronic fund transfer funds may be withdrawn horn your acco.un-ae soon ns the sante day we receive your payment and you Mt nor wean your check back horn your financial Innhtutton The processing of your payment may he delayed it you sand cash correspondence or other items with your payment. if you send the payment to any other address or ri you use an envelope other then the one pro aided Payments reserved in proper form ar our processrrg facility, by sPhd local wine on arty day will he teedderd to your Account as et thatt day Payments receried at our processing tate iy after SPf,I low nate Will he credted to your Account as of the next day If you base misplaced your envelope semi your payment to Discover PO Bos P1J3 Carol Stream IL60197.8103Please- anus 7-IC-slays or dsuiveiy hi sour paprutetrt is rrtjrrou-d rirrud we. reserve the right to resubmit it as an elentruirric debt. You can pay yruur minimum payment ora greater amount over the letealnane and you can set up automatic payments Call us at 1-800.847.2083 You cryt; need this slaiement and your bank account ratornranprn You roast ensue that sufficient funds are avadub'e re you! bank account and all transactrns must t:mnoiy y,-th ti S iae You wut be anked to provide rhe first 5 digits of your accauer statement zip code By entering those numbers as your electronic signets e your will be agreeing to this author!zatson to allow us and your bank to deduct each payment you authorize from you bank anonym-id to inmtiate debit or credit entries to yore hank anoint, as appl rble to am ect an error ri the processing of such payment YOU mist tall Ir., the amount of each payrent or yru can select an amount such as the Minimum Payment Dile or the New Barar:ce on each statement. You can canesi a payment however mae must redone notice at least three business days in advance cif the std,edukbxf payment. Yeti may not lly Lis b; phone al i-800.307.2603 or by nail at the address lamed In the previous paragraph If your payments nr-:•y vary in amount we war toil you on each nronihiy statement when your payment writ be made and how much twill be Your Automatic payment amount may be less than indicated on the monthly statement based on cretins or payments applied during the biding cycle Credit Reporting We may report information about your ecxurit to credit bureaus Late payments rnnssed payments or other defaults on your account may b-s reflected ra your credit report. We nurmairy report the slaws and payment humor of your Account to credit report:rg agencies each mouth If wu believe that cu; won is inaccurate or incomplete please write us el the fol;wing address Discover PO Box 10310,'h'ilirenelar:, DE 13300.5310 Please include your name address home telephone number and Acconnl number PERIODIC FINANCE CHARGES. Periodic Finance Charges err imposed on all transactions frorn the dere the IrOneantimn In posted w, poor Account until the date per pay yxua entire Ness Balance by :raking payments or rec+srng credits However if you pad the Nee: Balance on grin previous haling statement by the Payment Due Gate: shown on that statement and you pay tine New Balance by the Payment Due Dete err your uu,crenf biting statement. we wrti not (moose. Periodic Finance Charges on new purchases tent rs ptnitanes lust appearing on the cured statement We cad this lire grace period Other else you ,v'ill recerae a biking stetnamroni next month Ilial includes Periodic Finance Charges on !'lose now purchases There to no grace period on balance transfers or cash advances We sur your lraneaccocs into groups of purchases cash advances and balance hea;nslers ort ;ion tanher sort the transaction.=, y=ithe each group by thea: Annual Perrantage Rate rte examine puechases subject to a pininutional rate and our drases subject to a standard rale usnold he separate groups POe rafei to these groups as transaction categories Al the en of each bleep period we compute balances and Periodic Finance Charges for each day of she bating period for each transaction category We use rho following equal-on to compute Periodic Finance Charges ter ee.dl han5;rction category Average Daily Balance e minter of days in the brting penal x Daly Pelrodes Rate lYou may rata fit line Nance change summary on your bitting &tate:taent for these amounts t Then use add up the Periodic Finance Charges tot each tensaction category In get the total Periodic Finance Charges for your Amount The Average Daily Balance Is uhnwn as ;era it because of the grace period no Peuurhe France Charges appt; to the lhalanoe in e trarsaetsen categoru We use the .Average Daily Brarice hoarding new transactions) method of calculating the balance upon which we rinpoae Periodic Finance Charge;. We compute the Average Lady Balance for each transaction category by addrrrg up all the dat':y balances in a br!unq per:dd fora hansec rn •-ategery and dr:priding the total by the number of days in thy hulling scene Vie compute the deify balance for eon transaction cotactory o!i can day by first adding, the Following le the +re.enus days da iy balance transactions made that day lens charged that day air'. Pertaduc F manta: Charges accrued on time prevrous day s daffy balance and Ly then subtracting arty credits and payments ilia; are applied eyainsr the balance. of the transaction category co that lay In ca5tratutg the daily baboce for fire fist day of the biline period we consider the 'previous day s barancc" to have bean your balance for each uarsecbon category Ott the last day of your pewees taring period if a trsusrctrntn is posted to ;our Account after the close of the hiking pound :n which it morn u n- will treat the transnrurnn as hay- :no oculi•^ed on the first Cay of the hang pernil to which it rs posted to your Account Pit tees ,merged to your Ancient aro sxidrd to the standard purchase, transaction category with the exception of Cash Ado: ace Transaction Fee Finance Charges voids are added to the applicable ;ash advane transactroncategoryandBalanceTranssferTransaction Fee Fin anrxis Charges wihrch ore added to the a pplreable balsoce ',twister transaction category When a special balance transfer rate expires we mote the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase tronseNion category However if the speual rate has been tern-mated tinder! the Define aril Rare Flan we ',ramie the unpaid balanna of the Ulnae, transfer and the Balance Transfer Trans- action Fee Finance Charges m rho apfytcahie iran82c4oa a.tegur; until the speruai rate would have expired For TOD (Telecomrnunrcatioas Device for the Deaf; assistance. please call 1-800-347-7449 Discover mew rrY-il irOr arr/'C- tenet telephone cads between you and DISc'C'.'e' rPpi esenimtsner for quality' aerie;, ante purposes The Discover card is issued by Crsrsuvet Bank Member FDIC 30212729 O'ITBH170 DISC VER New Balance $0.00 TAMSON M DORSEY 429 S YORK ST REAR MECHANICSBURG PA 17055-6405 Minimum Payment Due 50.00 Payment Due Date June 4, 2009 Address, e-mail or telephone change? Print change in space above, or go to Discover corn Print your e-mail address to receive important Account information and special offers Account Number ending in 8025 Enter Amount Enclosed Below PO BOX 71084 CHARLOTTE NC 28272-1084 000001986458557435175000000000000000000000 Discover More Card Account Summary Closing Date: May 9, 2009 Account number ending Payment Due Date Minimum Payment Due Credit Limit Credit Available Cash Credit Limit Cash Credit Available in 8025 June 4, 2009 $0 00 $3.000 00 $3,000 00 $800 00 $800 00 Previous Balance Payments And Credits Purchases Cash Advances Balance Transfers Finance Charges New Balance page 1 of 1 $0 00 9 99 + 9 99 + 0 00 + 0 00 + 0 00 ▪ $0 00 Cashback Bonus" Cashback Bonus0 Since Anniversary Month September $20 56 Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance 0 56 a00 $ 0.56 How Can We Help You? It's your choice - 3 ways to help Please have your Discover Card available For TDD (assistance For hearing impaired) see reverse side 1 Visit Discover.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more 2 Call 1 -800 -DISCOVER (347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager 3 Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions Payments and Credits Other/Miscellaneous $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Date May I Apr 17 Post Date May 1 Apr 17 INTERNET PAYMENT - THANK YOU -9 99 IDENTITY THEFT PROTECT 800-347-3089 UT 9 99 Finance Charge Summary Average Daily Balances Daily Periodic Rates current billing period 30 days Purchases $0 0 02532% CaO2r1 29 $0 0 00573% Nominal ANNUAL ANNUAL. E MAGE EENTAGEPA PE 9 24% V 9 24% 23 99% F 23 99% The rates that apply to your Account are either Fixed (F) or they may vary (V) as rioted above Periodic FINANCE CHARGES Transection FINANCE CHARGES $0 $0 $0 $0 Important Information 1f there is mare her one page to this biting statement see the back c' each page for additional mrponant information See your Cardmember Agreement. Your CacmemberAgreemer'1 contests ail the terms of your .Account Lost or stolen cards Report tmmene a:elyn Call 1-B0O-347.2683. Billing Rights Summary Ir Case of Errors or Questions About Year Bill It you think year but is voile, or it you reed !tore information about a transactor ern your bit, write to tie on a separate sheet of paper at Discover. PO Pox 304?1 Salt Lake City UT 84130-0421 as soca as possible We must hear from you nn tater than 00 days abet we sen: you 0'ie first hf an which the error or problem appeared You can telephone us but do -.rig so will not preserve yew rights In year letter give us the blotting information • Your steno and Acclaim number • The cheer amount of me suspected crest • Describe the error and expiate if yoe care airy you believe :here is an error If coo need more intomratien describe the Sem you are unsure about You dO not have to pay any anxxrnt in question while me are invesugahne but you aro sh( otr.rga!ed to pay the par of your SIP that are not in question UJh!le vat investigate your question we cannot re; n you as delinquent or take any action to celled the amount you question Special Rule for Credit Card Purchases It you huge a problem with the quality of geode cr services that yoe purchesee wok a credit card, and you have elect in good faith to correct Me problem with the merchant you may :rot have to pay the remaining amount due an the geode or services You have ties protection only when (he purchase p ice was more mbar S50 ant! the purchase was mr:ade in your home sate srwithi n 10 i mires of your :heating address (if we own Or operate the merchant or it we ina:ied yes the aciverssernent for the goons or services art purchases are covered regardess of flee amount or locator of purchase Payments Send only your payment and the lop porton of this statement in the enveope provided Do act send cash By sending: your check as desenhed above you sutherze os to use m`omnatnn on your check to make an efectronrc fund tran5'er from your account at the firercial institution gave or: year check or to viscose the payment ass check transaction If payment is processed as ant e.ectra c fend transfer Me tregreter wit be tar ie &moue! of the check 'Mien we ase mrformation front your check ro make ar electronic fend transfer loads tray Ire wi0 drawn from your acunmt. as sorra as the same day we receive your payment_ and you will not receive your check track train your financ :I rrrerrurrrsn The processing of your payment may he del aged if you send rear correspondence or seen items with viee payment, if you send the payment to any other address or d your use an envelope other than the are p roweea Payments recerved in proper torus at our proceserg facility by 5PM lace! erre on any day will be eredrrcd to your Account as of that day Pawneres received at cur processetg tacety after 5PM local time will be credited to mutt Account as of the next coy If you rave misplaced your envelope, send you payment In Discover Po Box 6103 Carol Stream IL 60197-61a3 Please allow 7-10 days for ciehvery Stare+ payrtneri is returned .:npad,'we reserve are right to resubmit it as en electronic debit You can pay your minimum payment era greater amrunt over the telephone, and you can set uv automatic payments Call us at t-800-347.2083 You ,nit: need Ibis statement and your hank account reformation You oust ensure that su(rrcmnrt funds am available io your hank account. ane ar transactions crus; comply With LI S law Y;v trot he as oil to provide tee frit 5 digits tit your account statement ZIP code By entering those numbers as your elect-auic dengue, you will he agreeing to flee authonzahen to allow us and your bank to deduct each payment you authorize from year bank account and to initiate debit or credit epees to year bane account as applicable, to correct en error in the processing cr such paymere You must tel; teethe amount of each pa hymen or you can select an amount such as Me Maumee! Payment Due or the New Ba ance on cad i statement Yoe can cancel a peyment however the roust xoceivo notice of least three business days in advance of the scheduled payment You may notify us by phone al '-8P0-047-2fl ? or by mail at the ahiress listed in the pre;7ous paragraph If your payments vary in aro sl. we wit' See so, on each nen dilly statement wheir your payment will be reade and hew ;tuck it will be Your automata payment amount may toe• less then indicated on the evenly statement based on credits or pap lents applied during rime billing cycle Credit Reporting We may report inftemation abtnut your Recount to meet bureaus Late payments missed payments or other defaults on your ecceuet may be reflected tri per credit recon We normally report the status and payment history of yctotr Ac couel to credo reporting ager ues eect month If you believe that our report a inaccurate or incorrp'ete. ;n ^ase :vole Lie at the toilowirro address Discover, PO Box' 15316, Wilmington DE 198850 5316 Pleatee .include peer name adciess home to epeone number and Account number Grace Period on Purchases (at least 25 days). •,Ue begin to impose Periodic Finance Charges on all Irdnsachons from the Transaction Date for the transact:en as ahoyar on your bating statortont unless e trareacrtn is posted to your Account after the close of the tolling pence in which it ours w which case see begin to imrwse Percale Finance Changes on ace trar:sateeon fon the first day at the biting period a watch i; re (rooted to your Account die cinimue to uteone Periodic Finarce Charges rind are date you pay poor entire Neat Balance by mak-me payments or receiving creditsHowever of you paid the New Balance on your previus beano statement ay the Paynrenr Due Date shown oe that tilling statement and you pep the elti Ba'.ancc by the Peymerrt Due Date en your mitred beteg statement, roe will not impose Penedo Finance Charges on new purchases, that is purchases first impeanne on the current bilmo statement We tau taus the -grace pried There is no grata petted en balance Maslen or cdsh ad,ances Minimum Finance Charge. 5-Yewill charge you a mr:umum FINANCE CHARGE of $ 50 for soy biting period in wetch Period: F1 wee Charces of tees Mort 5 50 would otherwise he imposed Annual Fee If leerAcccunt has as annual fee it with be billed at the bear.:ring el each arionrersery reit you r Account is open The arnounl of the fee appears oe the statement when the fees billed The annual fee is ear refundable unless you notify as that yea wish to dere your Account within 30 days of the marling or delivery dare of tire statement roe v hs„h the fee ms bled Yes sell recretve this refund eves e you use your Curd derma that period Periodic Finance Charges. We sod your iransectiors into grwos of purchases cash advances and balance transfers and then further sort mho transactions within each croup by their Annual Percentage Rate For example purchases subject to a prornuhmtal rate and purchases sabred lee standard rale would be separate groups We refer ,o these pin-ups as transacted, categories At the end of each billing period we domptare balances and Periodic Proems Charges for car; n day of the balling pine; for cacti rriinsac'uon category; the gree roe fetlowmg equiation to compute Periodic Finuu vice Clnsnro•es for each transaction category (.Average Deity Balance; ernes (asps in pane porrod) times (Daily Periodic Retch (You may refer to the finance charge summary on your billinc statement for these amounts I Then we add up rite Penodic Fntance Charges far each transeciren category *get teetotal Penodt Fiance Charges for your Account Tire /net:rage Daily Daewoo is shryvn es zero if because of the grace panted ire Ponodc Finance Charges apply tri the bateau; in a transactor category We use the Auere0e Daily Balance (incteding new ttrarsactio: s1 method of calculating the' balance coon ?.hrcirr ore mmpeoe Periodic Finance Charges We compute ane Aserage Daily Bowes for each irarsaamn category by adding up all the daily baianrvcee re a bdlrng perod for a t ansection category and dividing the total by the number at daye a the bdhno penal Flee rutropule the daily balance for each Nursed -an ontogeny on count de; by tint adding the folk:were to the previous days der y tram:oct ane with a Transaction Dote of thor day as shown en your biting statement unless the transaction ie poster to your Account after the dose of the Wag period in which it occurs !n which case lee transaction with he added to the daily balance ae of the fast deed the billing period in wtvcn rl rn poured to your Account `ees, ch arer0 that day and Periodic Finance Charges accrued or One previous do s Batty ba arce and by then subtraclsg any credits Cud payments that are applied against the balance ci the Iransactan category or that day In calarabrrg the daily Seance for the fist day a! tee Wing perish, situ aro srder tee 'lee\wos day's daily balance to have: been your balance far each transaction category on tee last day of year presses biting period Al: lees changed to your Account are ached to the standard purchase transaction categori with the eecepaon of Cash Advance Transaction Fee Finance Charges which ore added to the apptn; ,•.* actics caterer= and and Palatine Trans`er Transactor Fee Finance Charges whrdn are added to the appicehe batarce :ranter transection category When the epee oak; one the unpaid ba'amcs of the traianee trnste;' and the Balance Transfer Transaction Fee Finance Charges to the standard purchase transaction category Fiyw ever if One special rate has herrn terminated urea the Default Rate section weleave the unpaid balance of the balance transfer end the Balance 't'ra urer Transaction Fee Finance Charges in the applicable bafarce transfer (raoeautem category until the special rate would have expired For TOD (Telecommunications Device for the Deaf) assistance please call 1-800-347-7449 Discover may metier ardror recad letaphode calls between yes and Discover representatives for coley assurer re p'urpruses The Discover cord is issued by DISCrnrer Bank Mem'-ter FDIC OlTBK171 DISC VER New Balance $239.03 TAMSON M DORSEY 429 S YORK ST REAR MECHANICSBURG PA 17055-6405 Minimum Payment Due $15.00 Payment Due Dole July 4, 2009 Address, e-mail or telephone change2 Print change in space above, or go to Discover corn Print your e-mail address to receive important Account information and special offers Account Number ending in 8025 Enter Amount Enclosed Below Please make check payable to Discover Card or pay online @ Discovercard cam PO BOX 71084 CHARLOTTE NC 28272-1084 00000(986458557435175002390300000000001500 Discover More Card Account Summary Closing Date: June 9, 2009 Account number ending in 8025 Payment Due Date July 4, 2009 Minimum Payment Due $15 00 Credit Limit $3,000 00 Credit Available $2,760 00 Cash Credit Limit $800 00 Cosh Credit Available $800 00 Previous Balance Payments And Credits Purchases Cash Advances Balance Transfers Finance Charges New Balance page 1 of 2 $0 00 0 00 + 239 03 + 0 00 + 0 00 + 0 00 _ $239 03 You may be able to avoid Periodic Finance Charges, see the reverse side for details Cashback Bonus" Cashback Bonuse Since Anniversary Month September $21 12 Keep building your rewards with every purchase Start redeeming once you reach $20 Cashback Bonus(R) Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance $ 0 56 + 0.56 $ 1.12 How Can We Help You? It's your choice - 3 ways to help Please have your Discover Card available For TDD (assistance for hearing impaired) see reverse side 1 Visd Discover.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more 2 Coll 1 -800 -DISCOVER (347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager 3 Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence Other/Miscellaneous Automotive Trans. Date May 19 Jun 9 May 18 Post Date May 19 IDENTITY THEFT PROTECT 800.347.3089 UT Jun 9 PAYMENT PROTECTION PPD 1-877-883-1959 May 18 AUMILLER S HARRISBURG PA $ 9 99 2 10 226 94 Information For You Balance Transfer offer(s) for current billing period: Daily Periodic Rote 0 00545%, corresponding ANNUAL PERCENTAGE RATE 1 99% Doily Periodic Rate 0 01093%, corresponding ANNUAL PERCENTAGE RATE 3 99% Do you know where your teen's money goes2 Current (SM) by Discover(R) is a new debit cord for teens that allows you to add money, set spending limits and track card usage Introduce your teen to smart spending habits todayl First month free ($5 value) with Promo Code TM609 at CurrentbyDiscover corn Offer expires 9/30/09 30212729 Count on Discover Bank for stability and rates that consistently beat the national average With deposit accounts now FDIC insured up to $250,000, you con save more - with confidence Open an account online at DiscoverBank corn or by phone at 888-728-3212 Mention Code D100935 Important Information If there is more her one ;rage to this b€trig statement see the back of each page for aitduroaal optician urutnt inforn;ahon See your Cardmember Agreement. Your Caon.emberAgreement cotta is ail the terms of you, Accocar Lost or stolen cards Repot; mnmec a:elyt Call 1-B00-347-2683. Billing Rights Summary Ir Case et Errors or Questions About Your Oil If you think your bill is wrong, or ii you need more information about a transaction on yam bill, rate to us car a separate sheet of paper at Discote:. PO Box 330.321 Salt Lake City UT 84130.0421 as soon as possble We must hear hem you no tater than 60 days atter we sen: you the first hit on Which the error or problem appeared You can telephone us but doting so wit not preserve your fights Ir yaw letter give us the foo€o•orig reformation • Yore name aidACcouni number • The collar amount of: me susiracled error • Describe to error and explain if yon can. why you believe there is an error If yeti need more information describe the stem you are unsure about You do not have to pay any amount Sr question while we are investigating but you are sill obligated to pay the parts of your bar dial are not in quearon y;hIfe we investigate your question we cannot report you as detirtuent or take any action to collect the amount you question Special Rule for Credit Card Purchases. If you have a problem with the quahrr of goads Cr services that yo:. purcnaeed with a credit card. and you have thee in good faith to correct the problem with the merchant you may not have to pay the tensa ung amount due so the goods or semlces You have this protection only when the purchase or ice was more that 050 and the purchase was made in your home stale orwithin 1 D(i r'•rreo of your nailing address (Uwe. ova or operate the merchant or.' ore mailed you the advertisement for the goods or services all puchasesare coveted regardessof the anu_auntorlocation o'purchase ) Payments Send only your payment and the top portion of this statement in the enveope provided On not send cash by sending your check as described alone you authorize us to use mfomtevnn on your chock to make an electrons: Lind trans`er iron your account at the froeoct' institution neve, an your char or le process are payment ass check transaction if pavment r5 processed as ar eectronic fund transfer the transfer rib Co tor the amount al the check l? filen we ase information trop your check to make an electronic fond transfer rands may he wnttdra vn from your.r_cnunt as soon as hue same day we receive your Itajmeet. and you will not recess year check hack from your 6nanual institution The processing of crier payment may be delayed if you send cash correspondence of other items with your payment, if you send the payment to any other address or 3 you use an envelope other than the ane provided Payments received in proper :form at ate processing facility by SPIki local lime on any day will be credtrsd td von Accoicnt as of that day Payments reserved an out processnig tacitly after 51tat axial f511a writ be credited to your Account as of the next bay If you nave misplaced your envelope, send yo:a payment to Discover PO Box 6103 Carol Stream I! 60197.5:03 Please grow 7-10 days hr etetivery If your payment is returned ,meant, we reserve Ute right to resubmit e as or. electronic debit You can pay your minimum payment ora greaten amount over the telephone, and you can set up automatic payments Call us at 1-800-347.2683 You we, reed this statement and your bank account rrfofmatren You must ensure that sufficrett funds are rising able in your hank account. arta all transactions must campis'with, Lr S law You will be asked to provide time firs! 5 digits of your account statement ZIP code By entering those mittens as your electronic st oatnre. you vel! Ca agreeing to this authorization to slow us and your hank to deduct each payment you authorize from yorn bank account and to irritate debit or credit •mitres to your bask account as appticab e, to cornea an error in the processing of such payment You must telt ea the amount of each payment or you can select an amount such as the Minimum Payment Duo or the New Ba 0iice on each statement You can cancel a payment. however we must rarlvn notice et lemsl three business days rn advance of the schorf cod payment You may nrliry tia by phone el ',Fa-337-2683 or by oral at the address fisted in the nre:rtus paragraph If your payments vary in amount, we iv) tell you on each monthly statement ishen veer payment will be made and now much it win be You, atiiornaltc payment amouni may be less than indicated on the monthly sraternent based on credits or payments spied during the billing cycis Credit Reporting We may raped information about your account to credit bureaus Late payments missed payments. gr diner defaults gni your account may be reelected In pin-credit toper We normally report the status and payment history of your Account to credit reporting atencros each nrrintlt if .•rou belreve that arc repos a ihaccurakr er rncorrp!ete..,ease write us at the tilt:ono address Discover. PO Box 15316. Wilmington GE,1985D5310 Pleat- ineltide your name addtecs none telepi-mrre number and Amount number Grace Period on Purchases (et least 25 days). We begin to impose Peeadic Finance Charges on all tmnsaclauns from the Transaction Date for the transacmnn as shown or your billing statement unless .it transmitt:r, is posted to your Account after the close of the Wing pend in which it coeurs in which case riga bogus to imncsc Permoic Finance Charges on that transactor from the first day of the bt'rnp period tit valet, n is posted to your Account We contrite to impose Periodic Finance Charges until tie date you pay lbw entire New Balance by making payments or receiving credits However ;f you pond the Now Balance on your previous bi5ng statement try the Payment Due :rte shown on that biting statement and you pay the New Balance by the Payment Due Date on yaw currant hi 4rg statement we will not impose Posed,: Finance Charges on new purchases, that is purchases first appearing on the current billet° statement We cast this the-grace period ' 'there is err grace period en balance hansiem gi cash advances Minimum Finance Charge. We will charge you a Minimum FINANCE CHARGE of 550 ler encu biting period to whhe-. Periodic Finance Charges of teas Warn 5 50 would oterxue he imposed Annual Fee If your Account has en annual tee it ea!! be belted at the beginner n1 each annerersary yea; yoarAcceunt is open The amount of the fee appears on the statement when the fees tilled The annual fee is net refundable unless you notify us that you wish to dose ynoriccount within 30 days et the trading or delivery dale of the, statement cit ciitiu the fee is bled You will reCere Ihia refund oven if you use your Card dunirn that period Periodic Finance Charges. the sort your trarsacliors into groups of purchases cash advances and balance hangers and then further sod the fransactrona whin each group by their Annual Percentage Rate For example purchases sub-lest lo a prorm:tonal rate and purchases subled lea standard rate would be separate groups We refer ,a these groups as transaction categories At the end of each, billing period we ca pvre balances and Periodic Fine;rix. Charges for east day of the biting perrxi for each torsa:non category We use the _Mowing etthatran to compute Penodlc Finance Charges for each transaction category lAnerage Daly Balance) times (days in biting period) tines ((Daily Periodic Rater 1Ycu stay refer to Ute finance Charge summary on your billing statement tnr these amounts I Then we add se the Periodic Finance Charges for each trosactrat category to get the total Periodic Finance Charges Icr your Account The r1 moa go Daly Relents cn sh:run es zero it because of the grace period nc Penocnr Finance Charges apply is the ha4nrr:e In a trarsacaor category We use the A;:eti ge Daily Ba orae (irid:.ding new transacuotrs1 method of calcu aeng the balance :aeon which we impose Pencd c Finance Charges We compute. the Average Daily Ba arise for each transaction category by adding up all the darty balances m ef billing period for a ltansec:ion category and d: ruing the tout by the runrbet of days m the billing period We compute the darty balance for each transaction category an coon day by first adding the fallowing to the previous day s Oar y hairrmo transa;tnons win a Transaction Daze of that day as sperm do your biting Stai.eino.nt unless the trensactmn is poster to your Account atter the close of the billing period in :vlri:;h;! occurs to which case the ttansactroe will he added to ilio daily balance as of the first day of the billing pond in winch rl is postrei to your Account `des charged that d ay and Periodic Finance: Charges accrued or the previous ria•, s daily ba!arce and o', then suboacttr.g any credits and payments that are applied against the balance of the transaction category or that day In calculating the daily baance for the first day of the billing period, a^n cnrsidei t`e'previous days daily balance to hand heed your balcony frit each transaction cetegory an the tarsi dayo` yO.w previous bif rig period All fees charged to your Account am eared to fire standard purchase rransactiur category tvnh the exception of Cash Advance Transaction Fee Finance Charges which are added to the apple: ac rn category and Balance Transfer Transaction Fee Finance Cha-gee sshrh are added to the appticafiie balance irons:`ertransaction. category When the sp A4;!FeS - o've the unpaid baance of the balance transfer and the Balance Transfer Transactor, Fee Finance Charges to the standard purchase transaction category Hoyever rf fee special rate has been terminated uritis the Defeat', Rate section use leave the unpaid balance of the balance transfer ,:rid the 8 atance'Transfer Transaction Foe Finance Charges in the appIncabM baiznce transfer transaction category until the spec-rat rte would heve expired For SOD (Telecommunications Device tor the Deaf) assistance please call 4-800-347-7449 Dtsbver may roar-dor anther record lefeohonu calls hehween you and Discover repmseotatsvea for Cuably sssutance purposes The Dissever' card is issur>d by Discover Bank Member FDIC O1T8k i7• DISC VER Sr pays to DISC VER TAMSON M DORSEY Account number ending in 8025 Closing Date: June 9, 2009 page 2 of 2 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period 31 days Purchase} $0 0 02532% 9 24% V 9 24% $0 $0 c3O c2Z29 $0 006573% 23 99% F 23 99%. $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above Questions? Manage your account at Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISC VER New Balance $151.56 TAMSON M DORSEY 429 S YORK ST REAR MECHANICSBURG PA 17055-6405 Minimum Payment Due S15.00 Payment Due Date August 4, 2009 Address, e-mail or telephone changer Print change in space above, or go to Discover corn Print your e-mail address to receive important Account information and special offer. Account Number ending in 8025 Enter Amount Enclosed Below Please make check payable to Discover Card or pay online Q Discovercard corn PO BOX 71084 CHARLOTTE NC 28272-1084 000001986458557435175001515600000000001500 Discover More Card Account Summary Closing Date: July 9, 2009 Account number ending in 8025 Payment Due Dote August 4, 2009 Minimum Payment Due $15 00 Credit Limit $3,000 00 Credit Available $2,848 00 Cash Credit Limit $800 00 Cash Credit Available $800 00 page 1 of 2 Previous Balance $239 03 Payments And Credits - 100 00 Purchases + 11 32 Cash Advances + 0 00 Balance Transfers + 0 00 Finance Charges + 1 21 New Balance $151 56 You may be able to avoid Periodic Finance Charges, see the reverse side for details Cashback Bonus Cashback Bonus® Since Anniversary Month September $21 12 Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance $ 1 12 + 0-00 $ 1,12 How Can We Help You? It's your choice - 3 ways to help Please have your Discover Card available For TDD (assistance for hearing impaired) see reverse side 1 Visit Discover.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more 2 Call 1 -800 -DISCOVER (347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager 3 Write us at Discover Cord, PO Box 30943, Salt Lake City, UT 84130 Transactions Payments and Credits Other/Miscellaneous $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Post Date Date Jun 14 Jun 14 INTERNET PAYMENT - THANK YOU Jun 17 IDENTITY THEFT PROTECT 800-347-3089 UT Jul 9 PAYMENT PROTECTION PPD 1.877.883.1959 Jun 17 Jul 9 $ -100 00 9 99 1 33 Information For You Save with the CD that's built for uncertain times Open a Discover Bank 12 -month CD by 12/31 /09 - and if you lose your lob, you can withdraw your principal and credited interest without penalty Visit www DiscoverBark cam/12monthCD to learn more Offer code D 101 195 Discover Bank, Member FDIC Finance Charge Summary Average Daily Balances current billing period 30 days Purchases ca0>�2Z29 $ 060 65 Daily Periodic Rates Nominal ANNUAL ANNUAL PERCENTAGE PERCENTAGE Periodic FINANCE CHARGES Transaction FINANCE CHARGES 0 02532% 9 24% V 9 240 $1 21 $0 0 06573% 23 99% F 23 99? $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above Fall fashions breaking the bank? Shop bock -to -school sales through our exclusive online shopping site ShopDiscover(SM)I Earn 5% to 20% Cashback Bonus(R) at your favorite online retoilers like Gap, Lands' End, JCPenney and many more Visit Discover cam/shop today) Important Information 8 there is more than one page to this dining statement see the back of each page far additional important information See your CardmemberAgreement. YceirCatnlemberAgreemen contains all the terms of your.Acwrai Lost or stolen cards Report mtmed•a:elyi Call 1.800.347.2683, Billing Rights Summary In Case of Errors or Ouestions About Your Sill If you think your bat is wrong, or r you reed !note information about a transaction or your Doi!• vuue to us cin a separate sheet of paper at Discount, PO Bcx 3b421 Salt Lake Drip UT 84130-0421 as spin as possible We most hear from you no later than 60 date after we sen;' you Ilte fast Iii on winch the error or problem appeared You can telephone us but doing so wilt not preserve your rights to vow letter give us the blowing information • Your name and Account number • The coast amount of the suspected error • Describe the error and expiate it nee can, why you believe there is an error 0 our need more information describe the item you ate unsure about Yea do oat! rove to pay any annual in question White nue are investigating but you are s ht obligated to pay the pars of your byi that are not in question While we Investigate your question we cannot report you as delinquent or take any action to cit! eat the amount your question Special Rule for Credit Card Purchases' If you have a problem with the yeasty of gods Cr services that you purchased win' a credit card, and ysnr have thee in grad beth to correct the problem with the mei than! you may not have to pay the remaining amount due oil the goods or services You have this protection arty when the purchase puce was more tar 550 ar-d the purchase was roads in your home stale or within 1 illi notes of y?ur ma:ierp address (if we orti or overate the merchant or if we matted you the advertisement for the coons or services all purchases are covered regardbess of the aniouh'. or location of purchase ) Payments Send only your payment and the lop portion of this statement in the enve'ope provided Do net send case El sending your check as descrbed above you autltanze us to use nitomt non on your check to make an edectrom. fund trar'er from your account at the financraf Institution inolatcd on part check or to process the payment as a duck transaction If payrnetrtt is processed as ea eecrronit fund transfer the transter inti be for the anoint of the cheek Men we ass information from your check to make an glee:unit hard transfer turns may be willtdravn hem your acd11ont as Soon Ed.. rhe same day we receive your payment. and you' wilt net receive your check lack Iron your (manual rnshi inn The processing of your payment may be delayed if you send cuob correspondence rr other items with your payment, it you send the payment to any other address or it you use an ervelope other than the one provruec Payments reamed cin proper form st o e processero facility by 5PIIn local toe en any day will be credited !c yoar Account as of that day Payrneno received at our processing facility after SPM !ural lune will be credited to your Account as of the next day If you neve misplaced your envelope, sem your oayrnrent to Discover PO Box 6103 Carol Stream IL 50197.6103 Please allow 7-10 days for delivery If your payment is returned unpar, we reserve the right to resubmit It as an etetlroerc debit You car pay your minimum payment era greater amount over the telephone, and you can set up automatic payments Call us at 1-800-5 47-2883 You nut need th!s statement and roar bank account reformation You roust ensure that sulfa:tt: funds are aralt':atr!c in your hank account. arts Cl! transactions must oomph' with U S law You will he asked to provide the fret 5 digits of your account statement ZIP code By enterrig those r roters as your electronic sig ea tore, you Nail be agreeing to this authonzatron to allow us and your hank to deduct each payment you authpnze from you tank account and to rotate debt! or credit entries to year bans account as app'licacbti. to correct an error in the ore -ceasing cr such payment You must tell no the amuunr of each payment or you can select an amount such as the Minimum Payment Due to' the New Ba ate on earth statement You can cancel a payment. hoaveter we must carte ive notice at (cast three txsmess days in advance of the schedutail payment Yes may ochry us by phone CI -300-'2A 7-2683 or ho mail at the at -dress listed in the previous paragraph ['your payments vary in amourd, we will tell yo.: on each menihhy stir:trent t:ttef3 veur:rayrlent vitt be made and hoar much it wilt be Your automatic payment amount may tess tan indicated on the monthly statement based on credits or payments apptm_d during the billing trot Credit Reporting We map report riormatron about your account to code bureaus Late payments missed payments. cr other defeurs ori your amount may be reflected in yorerecta report We +normally repos rhe status and payment history of y'nur AdOolmt ie cretin roport. ip agencies c--0cC martin If you belreve that our rearm cis rseer.Oirate or r icomp!ete. please write us ar the tollokano address Gscovea. PO Box' 15316, Wilmington DE 196505310 Please include your name address hdale Lelophons number and Account numtuet Grace Period on Purchases (at least 25 days). We begzs to Impose Periodic Finance Charges on all trarrsaulions Sam the Transaction Date ion he transaction as shovrr on your billing statement uneese a transaction is posted to your Account after the close of the Wino penod it which it oecurs in what case we begun to m0.w0.e Peenerc France Charges on fiat transaction from lee first day of the bitting p ood ui which it is itoured to your Account We continue to impose Periodic Finance Chanes until the date you pay your enure New Balance by making payments or recensng credits However d you pard line New Ba:ance on yourprevious lir lay tatentent by the Payment Due Date: shown on that Drltng statement and you pap the Now Balance by the Payment Dae Date on your arrant tolling statement ens will not moose Penedo; Finance Charges on new purchases, that is purchases first appeering an the current billion Statement We call lIa the 'grace pend ` There is nc grace period ail balance twisters or cash advances Minimum Finance Charge- (Ye soli charge you a minimum FINANCE CHARGE etc 50 tor cry biu'rg period In which Periodic Finance. Charges of less than 8 50 would otherwise he theocsed Annual Fee It your Account has urn annual fee it will be billed at the begin -ma of each anniversary year you rActount cis spun The amount of the fee appears on the statement wirer the tee Is biller The annual tee is not refundable unless ynus notify es :hat you wish to close your Account v:rlein 30 days e': the marring or delivery date of the statement on whichthe fee is bard you will receme this refund even if you use your Card during shat period Periodic Finance Charges. site sod your transactions lots groups of our -chases cash advances and bane transfers arid then further sort the transactions vethin each group by their Annual Percentage Rale For example purchases subject to a promotional rate and purcteases soL =d to a standard rare would he separate groups We refer ,o Mese croups as transacmicn categories Ar the end of each billing paned we campu,'e balances and Panodic Fe;:roc• Charges ft earl day of the billing perrlcf for each treinsacaron category We use the following equation to COniddle Periodic Frnarce Charas for each transaction category (Average Daily Ealancel times (caps in teariao penal) lines (Daily Periodic Rate+ (You stay refer to Pro finance charge summary on your bill:no statement for these mourns t Tnen we add up the Periodic Finance Charges ler each transactrar category to get the fora' Pentair Finance Charges for prior Accei:nt Tae Average Daly Balance is stir•:wt1 ra yarn it because of t!re glace parted no Penode Finance Charges aritity to the balance in a transaction ateosru We ass the Average Dairy Balance (md:,ding new irar,sactia-rst method of calculating the balance upon which we worse Periodic Finance Charges We compute if Anarags Daily Bo arcs for each tray taction category by adding up an the Cary balances kr a billing period fora i!ansac: on category and; (trotting the total by the nurher al days er he billies period We compute the data balance for each rrunsanrun category an each day by fro adding the flowing to the admit day s dor y balance. transactions warn a Transrirctior Date of that day as sserrn on your biting statement untess the transaction is posted to your Account after the close of the tilling peood cin which 0 occurs in which case lee transaction avid he added to the daily balance as of the first day of the bilking period In which 11 is posted ID your Account tees charged that tiny and Periodic Fenno: Charges accrued Or the previous nays niurty tat once and by than eub'racknig any credits and payments that are applied against the balance cf the I ansacton category or that day to calculating the daily bo:anoe for the hot day of the billing period, we: coiisrdei the'previaus days deity balance to hail: heer yak ba'anne fol tach transaction category en the Iasi day of yarns rsomous billing per rad All fees charged to your Account am rdeea to the standard purchase transaction category with the ee:eaten of Cash Advance Transaction Fee Finance Charges which are added to the apptic- - acbcn category and Balance Transfer Transaction Fee Finance Charges which are added to the applicable. balance transfer transaction cafes -ay When the sp-;fec-Save the unpaid ba -acne of the Defence traiuter and the Balance Transfer Transactor Fee Finance Charges to the standard purchase transaction category Hovrevsr if the special rate has been temmnatetf:roar the Default Rate section ace leave the unpaei bounce el die balance transfer and t'aa Balance Tians'e Transaction Fee Finance Charges m the app'rcable batr,nce transfer transactruns category until the special rate would have expired For TDD (Telecommunications Device for the Deaf) assistance please call 1-800.347.7449 Discover may nn,ridr an dna record Ieleohane tags between you and Discover rep'euentatrves fur patty assurance purposes The Disecver and is issued by Discover Bonk Member FD)C 01TEk 171 DISC VER Closing Date: July 9, 2009 TAMSON M DORSEY Account number ending in 8025 page 2 of 2 Cashback Bonus Award Summary Cashback Bonus Anniversary Date: September 9 Balance Previous Cashback Bonus Award Balance $ 1.12 Purchase Award This Period + 0.00 Cashback Bonus Award Total 1.12 Cashback Bonus Award Balance 1.12 Award Available to Redeem $ 1.12 30212729 Restrictions apply to the Cashback Bonus Partner offers. visit Discover.com or call 1 -800 -DISCOVER (1-800-347.2683) for details For program details, see the Cashback Bonus Program Terms and Conditions DISC VER New Balance $149.07 TAMSON M DORSEY 429 S YORK ST REAR MECHANICSBURG PA 17055-6405 Minimum Payment Due $15.00 Payment Due Date September 4, 2009 Address, e-mail or telephone change2 Print change in space above, or go to Discover corn Print your e-mail address to receive important Account information and special offers Account Number ending in 8025 Enter Amount Enclosed Below Please make check payable to Discover Card or pay online @ Discovercard com PO BOX 71084 CHARLOTTE NC 28272-108h 000001986458557435175001490700000000001500 Discover More Card Account Summary Closing Date: August 9, 2009 Account number ending in 8025 Payment Due Date September 4, 2009 Minimum Payment Due $15 00 Credit Limit $3,000 00 Credit Available $2,850 00 Cosh Credit Limit $800 00 Cash Credit Available $800 00 Previous Balance Payments And Credits Purchases Cash Advances Balance Transfers Finance Charges New Balance page 1 of 2 $151 56 15 00 + 11 30 + - 000 + 0 00 + 1 21 $14907 You may be able to avoid Periodic Finance Charges, see the reverse side for details Cashback Bonus" Cashbook Bonus® Since Anniversary Month September $21 12 Opening Cashbook Bonus Balance New Cashbock Bonus This Period Cashback Bonus Balance $ 1 12 + 0.00 $ 1.12 How Can We Help You? It's your choice - 3 ways to help Please have your Discover Card available For TDD (assistance for hearing impaired) see reverse side 2 3 Visit Discover.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more Call 1 -800 -DISCOVER (347-2683) far fast, easy self-service options or to speak with a Customer Service Account Manager Write us at Discover Card, PO Box 30943, Salt lake City, UT 84130 Transactions Payments and Credits Other/Miscellaneous $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Post Dote Date Jul 30 Jul 30 INTERNET PAYMENT - THANK YOU Jul 17 Jul 17 IDENTITY THEFT PROTECT 800-347-3089 UT Aug 9 Aug 9 PAYMENT PROTECTION PPD 1-877.883.1959 -15 00 9 99 1 31 Information For You This month, the featured Cashbook Bonus(R) Redemption Partner is Bed Bath & Beyond(R) Redeem $20 Cashback Bonus for a $25 Bed Bath & Beyond gift card Finance Charge Summary Average Daily Balances Daily Periodic Rates Nominal ANNUAL ANNUAL PERCENTAGE PERCENTAGE current billing period 31 days Purchases $154 54 0 02532% 9 24% V 9 24% c30212 e29 $0 Periodic FINANCE CHARGES Transaction FINANCE CHARGES $1 21 $0 0 06573% 23 99% F 23 99$ $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above Important Information f': there is more Char one page to this hOop statement see the back of each page for additional minimum t informanon See your Cardmember Agreement. Your CarvmemberAgreeinent nortants ail the tens cit your Acceuni Lostor stolen cards Report Immedi :elytCall1-800.347-2683. Billing Rights Summary to Case or Errors or Questions About Your BPI If you thunk your bit! is wrong, or if you reed !Here tnlove:ion about a transaction on your bili, write to us on a separate sheet of paper at Disco -ret. PO Box 30421 Sall Lake Cdy UT 84130.0421 as soar' as possble We must hear from you no inter than 60 days atter roe sen: you Ilse firs; Hi on which the error or probierr appeared You can telephone us but dory so will not preserve your rights Ir your letter give us the fads :erg r:nforr:eabcr: • Your name and Account number • The solar amount of the suspected error • Descnbo the error and explaur if you can, why you Steve there s an error If yin: need morn information describe the hem you are unsure about You do not have to pay any amount in question while we are mvestigahro but you are ohm obligated to pay the pans of your hili that am not in quoruon While we investigate your question we cannot report you as detncuent or take any actor to calico! the amount you question Special Rule for Credit Card Purchases- If you have on problem with the gnarly of goods or services that you purchased web a cre4 4 card. and you have Bred in good lath to correct Me problem with the mei tent you may not nave to pay the ronrammg amount due on rho goods or services You have this protection only when the purchase nuke was mere than 050 any the purchase was made in your home state orrviban t ob cues of your nu:tetg address Of we own or operate the merchant or it we mated you the advertisement for foe goods or sources ae' purchases ern mood regardless of rite are. _un. or loca11ron of purchaser Payments Send only your payment and. the lop porion of cots statement in the envenope provided Do not send cash By sendrny your check as described above you autrrnze us to use mfomtaa:hh on your check to meteor) electronic fund eansins from your account at the fin ncra, institution on mrom-dice or your check or to praxes the payment as a check transaction if pave:rent us processed as an eoctrontc fund transfer ISM transfer atilt Se for the amount o! the check When the ase mtormaaor trorn your check to make an elechonic fund transfer funds may he wilt Aram from your account as sores es rite same day we receive veer payment. and you will not recene your check hack torn your financial inchu;lrnn The processing of your payment may he delayed if yo.: send cash correspondence or outer 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 car processing facility by 5Phd local time on any day will he credited to your Account as of that day Payments received at our processing lacikty after 5PM tared tune will be credited to your Account es of the. next -dap If you have misplaced your envelope, send your payment Is Discover PO Box 61033 Carol Stream IL 60;97-6103 Please allow 7-10 days hr delivery If your payrner! is relbmcd 3rrpact, iso reserve the right to resubmit d es an electronic debut You can pay your minimum payment era greater amount over the telephone, and you can setup automatic payments Cal! us et 1-8 00447.2683 You rat reed MI5 srtemeet sod your bank account reformation Ynu rhror ensure that sufficed funds are available in your hank account. aria ab transactions trust comfy uwlh U S lav You MI be asked to provide the first 5 digits of your account statement ZIP code By serenity chose numbers as your electronic signature. you yid lie agreeing to thus authonzabon In allow us and your bank to deduct each payment you authorize tern your bank account and to mutate debit or credit metes to your bank account as app'icable, to correct an error in the processeno of such payment You must left ora the amount of eadr payment or you can select an amount such as the k't Hanan Payment Due or the New Be ante on earl i statement Ono carr cancel a payment. however we must receive notice at toter three h mmesi days in advance of the scherlubd payment You may nuldy ins by phone at '.000.347-2003 or by mail at the address holed in the previous paragtaph I' your payments very in annul. we ionl tell yo.. or, each monthly statement when your payment ytill be made and new much it will be Your automate payment amount may be less than md:catecf or, the monthly statement based on Croons Or tnayrrreet applied during ere hdiing cycle Credit Reporting We may rental nu -demotion about your account to credo bureaus Late paymentss missed payments. or other defaults on your account may no 'elected iv your credit repnc We normally repel thea status art ;myelin historic` your Account to credo reporting agerceas each rxurh If you behove that our retooe is Inaccurate or rncorrp!ete, please :vote us at the tcileyena address Discover, PO Box 15316, tfillmington DE 196505316 Please include your name address home telephone number and Account number Grace Period on Purchases (at least 25 days). We begun la impose Periodic Fiance Charges on all IrensnUrons from the Transaction Date for the transaction as shown on your tattoo, statement unless. a trar:sactrtn, us pooled to your Account after the close of etc Idling pseud vi whet if occurs in whdr case we begin to umpose Peenoic Finance Choruses an ttrat transa'circo from the first day at the biPrn, pend or which r res pastel to your Armen We continue to Impose Periodic Fnsrco Charges mind the date you pay purr entire Nea Balance by making payments or feternny creors However if you paid the Now Balance On your previous being statement by the Payment Due Dale Shown on that toting statement and you pay the New Ba'ance by the, Payment Due Dale on your currant billing statement, one whit net ennead Penerlrc Finance Charnel on new purchases, that is purchases first appearing on the current billing etaternent We cal ns the -grace period" There is no grace period on balance transfers on cash advances Minimum Finance Charge. Ale will charge you a minimum FINANCE CHARGE el S 50 for any bluing period in whine!) Periodic Finance Charges of less Man S 50 would otherwise he imposed Annual Fee to yourAccoaml has an annual fee it will be billed at the beginning nl each anmversery yea; yourAccoun res open The amount of tete fee appears on the statement when the fee h5 bulled The annual tee is not refundable unless y.uu. Horny us !hat you wish to dose yourAccuum wn;hm 30 daps of the rmaring or cetmety date of the statement cit Ouch Me Fee res Weil You Will receive thus rotund even if you use goer Card (tunny that period Periodic Finance Charges. We sod your transactions into groups of purchases cash advances and balance transfers and then further sod the transachers mthin each group by their Aseuaf Percentage Rain For erample purchases subject to a fuomctonal rate and purchases s:dtect to a standard rate would he separate groups We refer ;o these groups as transaclia' caiegane5 At the end of each billing pond we ixxnp-.'_e balances and Periodic Finance Charges for each day of the butt per xf for each trrhrrsact:en category 6',''e use the farming equation to connote:, Periodic Finance Charges for each transaction category tAverage Diary Balance) Lues (daps un br"ang permit) tures (Darty Periodic Rate) (You may refer to Me finance charge summary on your bdlune statement for these armours I Then we add vp the Peno is Finance Charges for each transaction category re get the total Penoti,c Finance Charges for your Account The Average Daly Sultanas is sthntvn vo zar) tt because of the grace pence ne Penxac Finance Charges apply to the balance ren e transaclydn ca?ysry We use the Average Daly Balance (including new irarsacuor:s) method of calculating the balance :.upon which use impose Penocuc nnance. Charges We compute the Average Daily Baance for each lransaczmr category by adding up ail the daily balances in a billing penes fora itansaction. category and deriding the tote! by the number of days in, the billing period We compute the daily balance IN each transaction category on each day by first adding :he ttdiowvtg to the presets da: s dor p batman transactions with a Transaction Dare of that day as shown on your billing statement inks . the transaction is posted vol; Accaint ober !ne close of the billing period le shish r! Occurs to which case the transaUion reP! be added in the daily balance as of the f rsh day el the billing period in which rel res postce to your Account `ccs charged that day and Periodic Finance Charges acrued or the previous da; e cat y balance and by !hen subhaoben any credits aOd payment that are appirad against the balance of the Iransactme category or that day In calculating the daily ha,ance fol the fist day of the billir o period, err remodel the 'previous day's daily balance to haw been your bale:ire for each transaction category on the fast day of your prevrous bur lwj reel Al fees charged to your Account are ridded to the standard purchase transaction category wen the mmde:Mon of Cash Advance Transaction Fee Finance Charges mMich are added to the appticryi a action catenary. and Balance Transfer Transaction Fee Frena nee Charges which are added to the smokeable: balance :ranter transaction Category When the sp---- .. - - exa+e toe unpaid ba arcs• of the balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase transaction category However f the spend rate has been tennunated uncia the Default Rate section we leave the unpaid balance of the balance transfer and the Bakrnce Transfer Transaction Fee Finance Charges ren the appftcable datanee bamsfer tansachoo,, category unci the specs! rate would have expired For TOD (Telecommunications Device for the Deaf) assistance please call 1-800-347-7449 Dtsoiver may monitor and nor record telephone calls between you and Discover representatives for Gutsy assurance purposes The Discover' card us reseed by Discover Bonk Member FDIC 01TBtr171 DISC VER Closing Date: August 9, 2009 TAMSON M DORSEY Account number ending in 8025 page 2 of 2 Cashback Bonus Award Summary Cashback Bonus Anniversary Date: September 9 Previous Cashback Bonus Award Balance Purchase Award This Period Balance $ 1.12 + 0.00 Cashback Bonus Award Total 1.12 Cashback Bonus Award Balance 1.12 Award Available to Redeem $ 1.12 30212729 Restrictions apply to the Cashback Bonus Partner offers visit Discover.com or call 1 -800 -DISCOVER (1-800.3412683} for details For program details, see the Cashback Bonus program Terms and Conditions DISC VER New Balance $247.65 TAMSON M DORSEY 429 S YORK ST REAR MECHANICSBURG PA 17055-6405 Minimum Payment Due $15.00 Payment Due Date October 4, 2009 Address, e-mail or telephone change2 Print change in space above, or go to Discover coin Print your e-mail address to receive important Account information and special offers Account Number ending in 8025 Enter Amount Enclosed Below Please make check payable to Discover Card or pay online @ Discovercord cam PO BOX 71084 CHARLOTTE NC 28272-1082, 000001986458557435175002476500000000001500 Discover More Card Account Summary Closing Date: September 9, 2009 Account number ending in 8025 Payment Due Dote October 4, 2009 Minimum Payment Due $15 00 Credit Limit $3.000 00 Credit Available $2,752 00 Cash Credit Limit $800 00 Cash Credit Available $800 00 Previous Balance Payments And Credits Purchases Cash Advances Balance Transfers Finance Charges New Balance page 1 of 2 $149 07 20 00 116 71 + 0 00 + 0 00 + 187 $247 65 You may be able to avoid Periodic Finance Charges, see the reverse side for details Cashback Bonus" Cashback Bonus® Since Anniversary Month September $21 38 Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance $ 1 12 + 0.26 $ 1,38 How Can We Help You? It's your choice - 3 ways to help Please have your Discover Card available For TDD (assistance for hearing impaired) see reverse side 1 Visit Discover.com to pay your bill for no cost, viewour latest Account information, earn and redeem rewards and more 2 Call 1 -800 -DISCOVER (347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager 3 Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions Payments and Credits Merchandise/Retail Other/Miscellaneous $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Post Date Date Aug 23 Aug 23 INTERNET PAYMENT - THANK YOU Aug 13 Aug 13 WAL-MART SC - 41886 MECHANICSBURGPA Aug 13 Aug 13 WAL-MART SC - 41886 MECHANICSBURGPA Aug 17 Aug 17 IDENTITY THEFT PROTECT 800347-3089 UT Sep 9 Sep 9 PAYMENT PROTECTION PPD 1.877.883.1959 -20 00 9500 9 54 9 99 218 Information For You Enroll in Paperless Statements for your chance to win big Go paperless and you can win up to $15,000 cosh! Learn more at Discover com/sweepstakes Finance Charge Summary Average Daily Balances current billing period 31 days c3O2�29 40 48 Daily Periodic Rates Nominal ANNUAL ANNUAL PERCENTAGE PERCENTAGE RATES RATES Periodic FINANCE CHARGES Transaction FINANCE CHARGES 0 02532% 9 24% V 9 24% $1 87 $0. 0 06573% 23 99% F 2399% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above Important Information If there is more cher one page to Mrs bang statement see the hack n' each pane to additional 'reponse:, mformatron See your Cardmember Agreement. Your Ca.dmemberAcueernert contents ail the terms at your Amami Lost or stolen cards Report rntmedra:ely' Call 1-800-347-2683. Billing Rights Summary Ir Case of Errors or Questions About Your Bel If you think your bat is wrong, or i' you reed more ,nforrnalron about a transactor art your bit, els to us us a separate sheet at paper at Discover, PO Box 30021 Sak Lake City UT 84130.0421 as soar vs aascWa We must hear irons you no laser than 900 days ate, we sent you tire first bis on which the error or problem appeared You can telephone us txlt done SO wit not preserve your rights Ir your letter give us the tattooing rnformatron • Your name and Account number • The costar amount rime suspected error • Describe the error ark, septum It you can, why you believe there ie an error I1 you need more Intormomon describe me>tem you are unsure about You do (rat have to pay any amaent m questron velre we are drvesirgahno but you are old obtgated to pay the pans of your 5111 that are not in geeston Wthile we ntveotrgate your gjnsirgn we cannot report yeti as dehndaenl or take any action to dol ecl the amount you question Special Rule for Credit Card Purchases- If you have a problem with me quota? or goods or services it-at yew purchased was a credit card.. and yet' have thee in good faith to correct the problem wish the merchant you may eat have to pay the rema ring amount due on the goods or services You have this protection say when the purchase pr ice was more tier 350 and the purchase was made rn your home state ors:enh r 100 tines of your marling address (If we own or operate the merchar; or if cos marled you the atieerbserneni for are goods or services all purchases ars covered regard-sus of Ilse amoun: or local:cn Si purchase ) Payments Send pity your payment and the lop person of this statement in the envernt e prourded Do not send case By sending your check as deserted above you authorize us to use mformakinn on your check to make an electronic turd trans'er from your ecceunt at the fineoctar sr:shaman morselled or your chock or to process the payment as a cheek transaction If payment is processed as ae eectrnnic tend transfer the trerster'sir he for the amount °I tIre check Winer: we use sriormaucn from your check to make an electronic fund ear sfer funds may Me wtllydra',un from your art _run as sarin as tine same day we reserve your payment and you roil! not receve your check hack Innn your fmanrual institution The pro essrng of your payment stay be delayed if you send cath Correspoedenee Of hirer items with vrnr payment, it you send the payment to any other address or of you use an erve*ope other than the see macelee Payments received in proper form at our processrrg fac:hry by 5Pf4local trig on any day will be rredued to hoer Account as of Mat day Payments received at cur processing :easily atter 5PM eyed, time will be credited to your Account as of the next day If your rave mrsptaced your envelope: sen,^, yore payment lo Discover PO Box 81033 Carol stream IL 600197 6ta3 Please allow 7-10 days for crwrlivery If your payment is returners Apart, we reserve Cre trete to resubmit it as an elsotronsc debit You can pay your minimum payment era greeter amount over the telephone, and you can set up automatic payments Cat us at 1-80C-3ri7-2683 You eels reed Pus. starter'sentand your hank account info-earthen You inast ensrre Chet sufficient funds are available ui your hank acr-oun . ane at treirsaclions must comply with U S ":arm `ou ndl he affixed to protide the fess! 5 digits of your account statereet ZIP cede Py entering those numbers as your electronic signature, you wit! be agreerng tc itis aulhonzaten to Mow us and your hank to deduct each porter! you authrrrze from your bank account and to estate dobe! or credit entree to your book account as app''rcabse• to correct an error m the precessng ar such payment You must ten iii the amount of each payment or you can select an amount such as the Mannite en Payment Due or the Nee Ba ante on earl I statement Yoe cal cancel e paynsonl. however we trust to F eve notice at least three hearess days in advance of the scheiliskel payment You may notify us by phone 01 "0000-347-2683 or by marl at the sadness i:uted in the prixnous paragraph If your payments vary in amount we tyill tell ye, en each monthly sta:eirert when, your payment will be made and how much it wnlr be Your automats payment amount may be. fess tan indicated on the monthly statement based on credits or paymeres aup'ied dur:ng tete brllrng r:ycte Credit Reporting We fray report !Permarran about your account to credo bureaus Late payments missed payreenta. or other delau" s on your account may be reflected to yosrrcredil repot We normally reseal rho slates and payment hrstory of ;roto Ac:cotrts to credrr reporting agenctos eecit rrtcuii l If yeti boln:vv that our repel a mai:wratc or mcerrp!ete, please enter us at the leslearn address Discover, PO Box 15316. Wilmington DE.10850.5316 Please include your name address home le epoe:+.e number and Account number Grace Period on Purchases (at least 25 days). We begat, to impose Penedo Finance Charges an all t ensoGrons from the Transaction Date for She tronsactfan as shown on your bang statement unless.. transach:r.r so posted to your Account after the close of the biting pernod in which it marts in which case gni boreal to rmnose Permotc Fesar;e ;change, on that transa0L0r Lon the first day of the biting penod is what n is posted to your Acost:rnt 41re commie to inn rose °eriodre Fnarce ^harries and rite dale you pay your entre New Balance by makrny payments or receiving credits However rf you pard the Plan; Balance on your previous brerrrq-statement oy the Paymer: Due Date shown on that br'hng statement and you pay the New Be:ancc by the Payment Dee Date on your current tiling statement 'xe will not impose Penodre Finance Charges on new purchases, that is purchases first appearing on the current bring stalemeet We car liras the 'grace period There is 00 grace period err baiarrce trats!fers or cash advances Minimum Finance Charge. h-Venal! charge you a meurnem FINANCE CHARGE PS 50 for any bit-rig period in tubsch Perredta Finance Charges of rens than: g 50 would otherwise he imposed Annual Fee if your Account has an apnea' fee it soil! be billed at the begenntg of each anniversary year you rAccount re open The amour of tire fee appears on the statement when the tee s billed The annual tee rs rte: refundable salvos you natty us !hat you wish to dose yaut'Accauni mem 33 days of the mailing or delivery dare of the stn:amen) err whet, the fee rs bleed You veil! rstewe this refund even d you use your Card dumnd that pened Periodic Finance Charges, We sort your transactrors into groups of purchases cash advances and barance t'ansters end then further sort the, transactions 'anther each group by their Anna` Percentage Rale For example purchases sublet:t to a fromodional rate and purchases subject toe standard rate would he separate groups Pe refer a ;hese greens as lraeseciiao citegones At the end of earth briirny pend we compute daimons and Periodic Fannon: Charges fin each day et rhe hr 6rw maxi for each trnnsachcm category tiro use the following equatcn to compute Periodic Finance Charges for each i;arraYtran category leverage Daily Balance) teres (days es txteg) period) limes (Davy Penonmc Rete) (Yea may refer to Inns finance charge summary on your bdlmc statement for these amounts J Then rue add op the Peno rc Frrance Charges for each transac{ton category to get the total Polr50rc Futenco Charges ler' your Account The A'eoregc Daily Balance a shrnyn es zero if because of the grace period no Penoct Fatnnoe Charges arsply to the batnce in a transactor category We use the Average Dory Bei: rte pnc;.dwng new srar,sactrrhst method of cetcuiatrng the balance upon which rue mrpoes Penedre Finance Charges We compute. the Average Daily Ba anee for each transactor category by addreq up all the daily balances sr a biting per'ed fora t;ansac:ion category and diwdrog the Sofas by the number of days err the billing period cnrrryutc the daily balance ter each transaction category an enc* day by first adding The ia!leetrrg to One preisot s days oar y balr.ere trao'xertons oath a':emcee:1on Dare rf that day as shown on your bating statement unless the transacnct rs posted to your Account alter Me close of the billing period. in wheel ;! deers is which case the transactor ss(t be added to the :Daily balance as of she first dayef the: billing period In which rh a posted In your Account revs charged that d'ry.and Periodic Finance Charges accrued or the p'. evreus da•, s da y balance and by then subtracting any credits and payinenti that are aptered agansi the balance_ of the Iran section category or that day In calatiabng the early beano for the fist day of the Miro period, it„ cgrrsitder the 'previous day's daily balance to haw: been your ba erre for cacti transaction category our the last day of your-prey/oust birltpj pored At lees charged to your Account am erased to the standard purchase transactor category wish the ekceptior of Cash Advance Transaction Fee Finance Charges tvhrch are added to the app c-�1��c7,�7 actcategory and Balance Transfer Transaction Fee Finance Charges what3 are added to the apphcab!e haiancce transfer transaction .wegory When the spec - -ocactors-aye the unpaid ba'arce of rho balance iransler and the Balance Transfer Transaction Fee Finance Chargers to the standard purchase transactrnn category Hoy,(:ver d the special rate has heel teraunated order the Default Rate section we leave the unpaid balance e' the balance transfer and the Balance Transfer Transactor' Fen Finance Charges In the apprrcable balance transfer transactors category uetil the specter rate would have expired For TOD (Telecommunications Device for the Deaf) assistance please call 1-800-347-7449 DrScayer May monitor entrap record tetettrene coils between yen end Discover represertathres for aositg- a5surantol purposes The vtsccNef' card is issued by Discover Bank Member FDIC OiT6'rc17r DISC VER Closing Date: September 9, 2009 TAMSON M DORSEY Account number ending in 8025 page 2 of 2 Cashback Bonus Award Summary Cashback Bonus Anniversary Date: September 9 Balance Previous Cashback Bonus Award Balance $ 1.12 Purchase Award This Period + 0.26 Cashback Bonus Award Total 1.38 Cashback Bonus Award Balance 1.38 Award Available to Redeem $ 1.38 30212729 Restrictions apply to the Cashback Bonus Partner offers visit Discover.com or call 1 -800 -DISCOVER (1.800.347.2683) for details For program details, see the Cashback Bonus program Terms and Conditions DISC VER New Balance $252.66 TAMSON M DORSEY 429 S YORK ST REAR MECHANICSBURG PA 17055-6405 Minimum Payment Due $15.00 Payment Due Date November 4, 2009 Address, e-mail or telephone change2 Print change in space above, or go to Discover corn Print your e-mail address to receive important Account information and special offer Account Number ending in 8025 Enter Amount Enclosed Below Please make check payable to Discover Card or pay online Q Discovercard corn PO BOX 71084 CHARLOTTE NC 28272-1084 000001986458557435175002526600000000001500 Discover More Card Account Summary Closing Date: October 9, 2009 Account number ending in 8025 Payment Due Date November 4, 2009 Minimum Payment Due $15 00 Credit Limit $3,000 00 Credit Available $2,747 00 Cash Credit Limit $800 00 Cash Credit Available $800 00 page 1 of 2 Previous Balance $247 65 Payments And Credits - 45 00 Purchases 48 09 Cash Advances 0 00 Balance Transfers 0 00 Finance Charges + 1 92 New Balance = $252 66 You may be able to avoid Periodic Finance Charges, see the reverse side for details Cashback Bonus' Cashback Bonuse Anniversary Month September Opening Cashbook Bonus Balance New Cashbook Bonus This Period Cashback Bonus Balance $ 138 + 0-08 $ 1,46 How Can We Help You? It's your choice - 3 ways to help Please have your Discover Card available For TDD (assistance for hearing impaired) see reverse side 1 Visit Discover.com to pay your bill for no cost, viewour latest Account information, earn and redeem rewards and more 2 Call 1 -800 -DISCOVER (347-2683) far fast, easy self-service options or to speak with a Customer Service Account Manager 3 Write us at Discover Cord, PO Box 30943, Salt Lake City, UT 84130 Transactions Payments and Credits Merchandise/Retail Other/Miscellaneous $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Post Date Date Sep 20 Sep 20 INTERNET PAYMENT - THANK YOU Sep 16 Sep 16 WALMART COM WALMART COM AR 247500639XNJL IDENTITY THEFT PROTECT 800-347-3089 UT PAYMENT PROTECTION PPD 1.877-883-1959 Sep 17 Oct 9 Sep 17 Oct 9 $ -45 00 35 88 9 99 2 22 Information For You Enroll in Paperless Statements for your chance to win big Go paperless and you can win up to $15,000 cash) Learn more at Discover corn/sweepstakes Finance Charge Summary Average Doily Balances current billing period 30 days Purcases $2 Caro/ 2;29 So54 96 Daily Periodic Rates 0 02532% 0 06573% Nominal ANNUAL ANNUAL PERCENTAGE PERCENTAGE RATES RATES Periodic FINANCE CHARGES Transaction FINANCE CHARGES 9 24% V 9 24% $1 92 $0 23 99% F 23 99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above Important Information If there rs more her one page to this billing statement see the barer of each peas ter additional important inferotot tan See your Cardmember Agreement. Your CasmemberAgreemert contains ell the terms of your Account Lost or stolen cards. Report immediately' Call 1.800.347-2683. Billing Rights Summary It Case or Errors or Questions About Your Bill If you thunk your bill is wrong, err ri you need more intormabor abtrut a transaction on your bill. wrote to us of, a separate sheet of paper of Dlscoeei. PO Box 30421 Salt Lake Cly UT 84130.0421 as soon' as possbl? We must hear horn your no later than 60 days alter we soot you the first bi, on Meth the error ar problem appeared You can telephone us but dote, so ib,g not preserve your rights In your letter give us the Paining information • Your name and Account number • The cotter amount of the suspected error • Describe the error and exp:airt if you can, why you believe :here Is an error If veto need more information describe. the dem you are unsure about You do not have to pay any amount to question wdrhe we am investigating but you aro still ob's,ryaled to pay the parts of your brill that are nor in q!rion While we investigate your question we cannot report you as deirrr:uent or take any action to volleci the amount you cuestrun Special Rule for Credit Card Purchases- It you have a problem with the quahhy Fit ycaods Cr serv!;e; that you Portioned worn a credit card, and you have tree in good raft Ic correct the problem with the mei dealt. you may not have to pay the remaining amount due on the goods or seances You have this protection orgy when the purchase pi ice was more tar 550 and the purchase teas made in your home stile or :within 11h8 mires of your mailer) address .(Y we own or operate the merchant or t, we marled you the advertisement for the goods or services aft purchases are covered regardhess of tire anio rni or location of purchase i Payments Send only your payment and the lop portion of this statement in the enve-ope provided Do nci send cash By sending your check as described above your aelhorize us to use information on your check to make an electronic lend trens'er from your account at that-mania: instn:nrcn morcttcd on your check or to process the payment a s check transaction f payment IS processed as an e.eciron c fund transfer the transfer Bret he for the amount of the cheek Whet; we use reformation from your check to make an e!ectronrc feed transfer funds same daywe receive your Laymen'.. t c,xs may ha wiihdrzwn from your acs Dunt as Bann as the s- : payment and you will not retrain-etyma your rheOk; pack !mu. your fmanaal institution The processing of your payment may be delayed ii yoeii send cosh cotrespor:tence or other items with your payment, if you send the payment to any ether address or if you use an envelope Other than the awe provided Payments received in proper torr•,, at cls processing facility by 5Pk; loco! timer on any day will be credoed t0your Armen{ as of that day Payments received at our processing facility after 5PM !oval loom wig he credited to' your Account as of the next day It yoe have misplaced your envelope: send you payment to, Discover PO Box 6103 Carol Stream 1160197-8103 Please allow 7-10 days for delivery If you; pavrnerl is re,umed unpaei, ten reserve the right to resetting rt as an electronic debit You can pay your minimum payment era greater amount over. the telephone, and you con set up automatic payments Cali r5 al 1-800-3u7.2683 Yoe w need this statement and your bank account information You must ensure Act sufficient funds am available in you hank account. ane of lrer o tch ars Waist comply vat U $ law Yoe wit be asked to provide the first 5 diets ti:' your account statement ZIP conte By serenity those mutters as your electronic signature, you will he agreeing to this authonzabsn to Mew us and your hank to dedud each pay4rrert you authorize from your honk account and to inihale doter or credit enacts to your bank account as applicable. to correct an error in the processing of such payment You must tell us Ar amount of each payment or you can select an amount such as the Minimum Payment Duey. the New Ba ante on earl l statement You can cancel a payment however we mus: receive notice at lees) three txthiness days in advance of the sctre,fucd paymert You may notify us by phone at ` HO-34 7-2683 or by mail al rhe address listed in the prerrou0 paragraph If your payments vary in amoi0lt we wet ':el! CO:: or, each monthly statement when our payment will be made and neve much it will be Your 050150110 payment amount may her fess than indicated on the monthly statement based on credits or paymaents applied during the billing cycle Credit Reporting We may report information about your accounts credr bureaus Late payments missed payment& or other defaults on your account may Os reelected an your (.red.l report We normally roped hot status and payment history of your A:count 10 credo repo tan!; a roncers each month If you believe that our. report is inaccurate or incsrrplc-le, Wase write us at the'eaovnru adore==s Discover:. PO Box 15316- Wilmington DE 18650.5316 Please include tour name address home te!epnone number and A:cou:n number Grace Period on Purchases (at least 25 days). We been to ;mime Periodic Finance Charges on all transactions horn the Transaction Date for the trargactron as Shown on your tnllino statement unless- e transactor is posted to your Account after the close el the bllkng perod nt which it oreerc ,n whir,), case era; hoer to impose Penorr Ethane Changes on that transaction troth the. first day of the truing period in which a io posted to your Ac✓Jun: Yate continue to Impose Periodic F:dance Cherees until die date you pay your entire New Balance by making payments or receiving credits However if you paid the New Balance on your previous billing stelerenl by the Payment Due Dale shown on that biting statement and you pay the Nes Ba'ancs by the Payment Due Date on your current biting statement, we will not impose Poned.c Finance Charges on new purchases, that e purchases first appearing on the current biting statement We call thio the -grace period ' There r5 r,7 grace period en balance :twisters co cash advances Minimum Finance Charge, We will charge you a minimum FINANCE CHARGE of $ 50 for any 101-tog period in whrch Periodic Father: Charees of less than $ 50 would otherwise he imposed Annual Fee if your Accent has an annuat lee x well be billed at the beginning nl each anniversary real yourAccaunt is open The amount of the fee appears chi the Statement when the iee me billed The annual fee is not refundable unless y:c riotrfy us that you wish to close y'ou:Ao uurn within 30 days e' the rnaii ng or delivery date of tine statement cn which tee the is billed You roil receive this refund even d you use your Card Coning that period Periodic Finance Charges. We sod your transactors into grottos of purchases cash advances and be.ance transfers and then further son the transaction within each group by theirAnrual Percentage Rale For example protheses subject to a pmomctional rate and purchases surged to a standard rate mould be separate groups We refer .o ;nese groups as iranseclrrn categories Al the end of such billing period we =epee to omens end Periodic Finance Charges 'sur each day of the bi':Ing per>xt for each iransact:on category We use the following equation to compute Periodic Finance Charees for each iransacliOn category lAveiage Daily Balance) tines ((days so br":ug (rend) hetes (Daily Penedic Rate) {Yen may refer to the finance charge summary on your hike° statement for these amourns I Then War old Up the Periodic Fiance Charges for each transaction category :eget the total: Periodic Finance Charges 1rr your Account The Average Daily Baleen': is ehnwn as arse. rr because of the grace period no Periodic F'e ante Charges apply tui the balance in transacrtor cate,gav We use the Average Daily Balance (including new transactions) method otcalculating the balance , loon ;rhtcit ere impose Periodic Finance Charges We compute the Average Darty Seance for each transaction category by adding up an the daily balances in a bilking period for a hansac:ion category and dividing the total try the number of days in the bihlioe period ire compute the darty balance for each treesactton category on each day by firs; adding the fallowu:g to the previous nay s der y balance transact: es with z Trarsar-bor Date or that day as shower on your bi?ling statement unless the transaction is posted to you; Account after the rose el the blithe period in which It occurs !r which case the transaction will be added to the daily balance as of the Mel day of the billing period rn which it is posted to your Account fees charged that dry art Periodic Finance Charges accrued Or the previous ray s dotty balance and by then subtrecttrg any credits and payment_ that are applied against the balance of the transaction category or that day In calculating the daily haance fon the firs) day of the hd6rrg period, we ;zrr:.sider the 'previous day's der& beta, ce to have been your balance for each transaction category on the Iasi dray of your Inernaue billing period Pit fees Mercier; to your Account are adr_ee re the standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the apphc- -acboa categoryand Balance Trens'or Transaction Fee Finance Charges whet are added to the applcatiie halaxe transfer transaction category When the spF the the unpaid ba'ary_• Ot the balance transfer and the Balance Transfer Transactor Fee Finance Charges to ere standard purchase transaction category however if the special tate has boon tenriinated anrt(,in! the Default Rate section we leave the unpatd trance balance& die balance transfer end the BalanceiTraesrer Transaction Fee Finance Charges or the applicable balance transfer transaction category until the specrel rate would have expired For TOD jTelecommurocalms Device tor the Deaf) assistance please call 1-800-347.7449 Drscove may monitor ardrot recall tefeohsne rales between yen: and Discover representatives fur Corny assurance purp0$05 The Discover acrd is issued by Discover Bank Member FDIC 01TSk ;71 DISC VER Closing Date: October 9, 2009 TAMSON M DORSEY Account number ending in 8025 page 2 of 2 Cashback Bonus Award Summary Cashback Bonus Anniversary Date: September 9 Balance Previous Cashbook Bonus Award Balance $ 1.38 Purchase Award This Period + 0.08 Cashbook Bonus Award Total 1.46 Cashback Bonus Award Balance 1.46 Award Available to Redeem 1.46 30212729 Restrictions apply to the Cashback Bonus Partner offer. visit Discover.com or call 1 -800 -DISCOVER (1.800.347.2�831 for details For program details, see the Cashback Bonus Program Terms and Conditions DISC VER New Baiance $1,737.89 TAMSON M DORSEY 429 S YORK ST REAR MECHANICSBURG PA 17055-6405 Minimum Payment Due $ 35.00 Payment Due Date December 4, 2009 Address, e-mail or telephone change2 Print change in space above, or go to Discover corn Print your e-mail address to receive important Account information and special offers Account Number ending in 8025 Enter Amount Enclosed Below Please make check payable to Discover Card or pay online ii Discovercard corn PO BOX 71084 CHARLOTTE NC 28272-1084 000001986458557435175017378900000000003500 Discover More Card Account Summary Closing Date: November 9, 2009 Account number ending in 8025 Payment Due Date December 4, 2009 Minimum Payment Due $35 00 Credit Limit $3,000 00 Credit Available $1,262 00 Cash Credit Limit $800 00 Cash Credit Available $800 00 Previous Balance Payments And Credits Purchases Cash Advances Balance Transfers Finance Charges New Balance page 1 of 3 $252 66 25 00 + 1,499 69 + 0 00 + 0 00 + 10 54 $1,737 89 You may be able to avoid Periodic Finance Charges, see the reverse side for details Cashback Bonus" Cashback Bonus Anniversary Month September Opening Cashbook Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance $ 146 + 3.67 $ 5.13 How Can We Help You? It's your choice - 3 ways to help Please have your Discover Card available For TDD (assistance for hearing impaired) see reverse side 1 Visit Discover.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more 2 Call 1 -BOO -DISCOVER (347-2683) far fast, easy self-service options or to speak with a Customer Service Account Manager 3 Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions Payments and Credits Merchandise/Retail Other/Miscellaneous Gasoline Automotive Services 30212729 $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Post Date Date Oct 23 Oct 23 INTERNET PAYMENT - THANK YOU Oct 19 Oct 19 MVO'VALMAX 888-241-0049 CT 2824508692450869 Oct 22 Oct 22 WAL-MART SC - 41640 STATE COLLEGEPA Oct 23 Oct 23 PARTS EXPRESS SPRINGBORO OH Oct 18 Oct 18 IDENTITY THEFT PROTECT 800347-3089 UT Nov 9 Nov 9 PAYMENT PROTECTION PPD 1-877-883-1959 Oct 22 Oct 22 GIANT FUEL #331 MECHANICSBURGPA 010066 Oct 22 Oct 22 GIANT FUEL #331 MECHANICSBURGPA 010067 Oct 22 Oct 22 EXXONMOBIL STATE COLLEGEPA Oct 8 Oct 10 GOODYEAR ASC 1362 CAMP HILL PA Nov 3 Nov 3 AUMILLERS CAMERON STREET HARRISBURG PA Oct 11 Oct 11 1NTELIUS-INTELIUS COM 888-445-2727 WA 24181190 Oct 19 Oct 19 AAA CENTRAL PENN -R CAMP HILL PA Oct 22 Oct 22 AAA STATE COLLEGE -R STATE COLLEGEPA $ -25 00 24 95 31 67 56 02 9 99 15 33 19 00 26 00 264 95 678 97 208 82 0 99 85 00 78 00 Great holiday savings ore lust a click away) Earn 5% to 20% Cashbook Bonus(R) every day at over 150 top retailers like Sears, BestBuy corn, and Lands' End through our exclusive online shopping mall, ShopDiscover(SM) Just visit Discover corn/shop today) Important Information if there is me Char one ;nage to this Nang statement see the back of each page to adddonal important information See your Cardmember Agreement. Year Ca an;emberAgreerr eft oilcans ail the terms of your Accosts Lost or stolen cards Repot immediately! Call 1.800.347.2683. Billing Rights Summary Ir Case of Errors or Questions About Your Bit If you think your bat is wrong, or r: you reed more rnforntaton about a hanseceon on your fall, rare to to on a separate sheet of paper at Discove, PO Bee 30421 Sall Lake City UT 84130.04211 as sear as possble We mus: hear from you no later than 60 days after we snot you ane fest htii on wad the error or problem appeared You can leiephcne us but dong so will not preserve your nights In your letter Prez us the for€sang reformation • Your norm_ and Account number • Tne Collor amount of the suspected error • Descabe tine error and explain if yew can, why you believe there rs an error If you need more information describe the !fern you are ensure about Yes de not have to pay any amount it question wdrr:e we are investigating but you are old obligated to pay the irons of your brat drat are not to question Wide we rrnesirga:e your cues105 we cannot report you as dela-asset or take any action to dui act the amount you gue.stron Special Rule for Credit Card Purchases' If you have a problem ceti the soalrty of goods or services that yea purchased with a credit card, and you have deal in good faith to correct the problem with rhe meatiest you may not have to pay the remaining annual due on The goods or services You have this protection only arisen the pr.rrcease price was more tar 053 and the purchase ryas made in your home stale orwithin 100 mires el your maiing address Qt we own or operate the merdran Or it we mailed you the advertisement fur rhe goons or seNCes aft purchases are covered regardless of the anman: or router', of purehase'i Payments Sand only your payment and the lop porion of this statement in are erveope presided Do nal send cash By sending your check as deserted shoe you ai,trenze us to use reformation on your chock to make an electronic fund hans'er frog your account at the iinarcra rrstrielan monied se your check or tit, trreattnS the pay'rnent as a check traesachon If payment is processed as an e,ectrornc fond transfer time transfer sed=. be tar the ariotint of the check When we .se rntama:ion from your check to make an electronic fund liar ;le r funds may lee withdrawn from your admant as soon as The sane day we recess your payment. and you will not recess your cheek back Isom your financial m anslr=ro The processing of your payment may he delayed re you send cash carespbndence of other items with vera payment, if you send the ea.rnHtt to any other address Dr it you use an envelope other than the one aroviaec Payments recet-ed in proper form at Gut processarg facility by 5PM local time on any Cay will be ered!red to your Account as of that day Payment received at our processing facility after 511`A Meal tuna will he aednadto your Acenurr as of the next day If y r' have misplaced year envelope, send year payment I ; Drscaver PO Boa 6103 Card Stream IL 60197-5103 Please Mow 7-10 days for r'etiwry If your payment rs retuned impart We reserve the right to resubmit tt as ars electronic debd You can pal your minimum payment era greater amount Saes the telephone., and you can set op eutornattc payments Coil us at 1.800-347.2683 You wit: reed ihls statement and year bank accsunr tefei naken 'eau rntrsi ensure that suffi crani funds are aaodatrle m your hank account. arc all tr, 000lr0n5 must corsair; with'U S tare Y;u will be asked to provide the Bret 5 digits tan your account statement ZIP code By eatenrng those noir bn.r5 as your electronic skim-aura. you will be agreeing to this auihAnzatron to aitow us and your hank to deduct each payrnent you authorize from your hank account and to misrule debit or credit entries to your bark account as appn!cabte. to correct art error in the processing or such payment You must tell so she amount of each payment or you car: select am amount such as the Mannar Peyrieist Due or the New Ba once on earth statement Yoti ran cancel a payment however tie must nerve notice at least three lousiness days ion advance of the echeilated payment You may notify us. by phone al 1-130{1•547-2683 or by mail at the address hated in the pre'raus paragraph If your payments vary in arnorasl• we will telt CO. on each nor mthly statement ashen your payment vital be made and now much it wort be Your automatic. payerenl amount may he less than indicated or the mmethty statement based on credits or pays?ents applied during the brlhng cycle Credit Reporting We may roped information ;Mast sins account to rxedn bureaus Late payments missed payments. or other defeuas err your account may he reflected is yore'cred:l repos We normalcy report the states and payment history of your Accour' to credo nepar,:m; agencies erica rxrnrr! if sari behave that crtc ropers s inaccurate or incomp!dte, please water us at the to:lowing address Faseovc , FO Box 15316. Wilmington DE 19850.5336 Please include your name access home telephone number and Account cumber Grace Period on Purchases (at least 25 days). Ilk beet: to anpose Periodic Finorrce Charges on all hai:sadlrons from the Transaction Date for the Ira Malan es shown on your bating stat^r:rant unless a lransariiron is posted t;, your Account after the close of the bating pend in which it noire s n s hick case we begin to impose Perr;rotc Finance Charges on (list trarrsa0ses from the first day of rhe bilirng perrad er wr,rch r is hooted to year Account We commie to rrnaoSe Perirtdic Frnarco Charges mat the dale you pay your entire Near Balance by mating payments or recerwng creeds However A you paid the New Ba:arco on your previous balm elotemant by the Faynrert Due Date shown on that beano statement and you pay the New Bate e.e by the Payment Dia: Dote on your currant mitring ealement. we will not C"ipeie Penedic Firacce Charges on new purchases, that is purchases first appearing on the current bdtmg statement. We call as: the "grace pered ' There is no grace period on balance transfers or ;ash addances Minimum Finance Charge, Weaall drama you a minimum FINANCE CHARGE of 5 50 for any bifong period in which Periods. Pinata: Charges of less than S 50 would otherwise hr, nrpcsed Annual Fee If ycurAccouni hes err annual fee it will be billed at the beginning Meech anniversary year yourAccoun: is open The an-ount of fire fee appears on the stalenrerl when the nee is Mlles The annual fee in net refundable unless yea: righty us that you wish to dose your Account vrhrn 30 days er: the miring Of delivery dare of the starenrent on which Inc fee rs billed You :ea receive his refund even it you use your Card dosing that pied Periodic Finance Charges. We sort your trso5ect ors into groups of purchases cash advances and baance hangers grad her `radar sod the fransactran; within each group by their Anr::rat Percentage Rale For example puclrasos strect to a promotional rate and purchases street to a standard rale would he separate groups We refer a these groups as transaction aaegeues Ankle end of such billing paned are compute balances rind Periodic Frnango Charges for each day of the ()dreg petal for each lranSaer3ert categrry We use the Soiowsng ecuatcon to compute Periodic Finance Charges for each transaction category fikverage Daily Balance) times (days in Ming prsrrd) times!Darla Periods Rale; (Yea may refer to he finance charge summary on your bilhnc statement for these amounts t Then ale add up Tee Periodic Firtance Charges for each transaction category to get the total Fertile Finance Charges for your Account The Average Daily Satanist is shown as zero if latea ie Of the grace period rte Perrodrt relanCe Charges apply to the haler:car in a taors3chor category We use the Average Darty Balance Ondr.drng new irarsacuorss) method of calculating the balance :upon heroin we rmfmcse Periodic Faience Charges We compile the Average Daily Baance fur each transactor category by adding up all die daily balances in a biting period for a tmarsac:Ion category and diarrhea the total by the number of days as the biting period We cerripute the daily balance for each transactor) category an earn dap try first eddrng the tallewnrrg so the previous dei s dsr y tiairercu transar tone wde a Transaction Data of that step as shown on your bang statement unless the transaction is pasted lc your Account after the diose of the airbag period in which tt occurs to whish car it r5 riansuctior will the added to the daily balance as of the fist day ei the billing period as which fl is paved to yuurAccount lees charged Mal day and Periodic Finance: Charges a dented or the provroos dad; s dotty balance and by then subtract= any credits and payment that are applied Nernst the balance of the transaction category or that day In calculating the daily haiarce fa the first day of the bt6rng period, we coirssde! rte `previous day's daily balance to haws peer, your balsam for each transaction category en the: last day of year previous bil'itryg period Alt lees charged to your Account are ended 10 the standard purchase transactior category with the exception of Ca;h.Advarce Transaction Fee Finance Charges which are added to the appIrcaltnnel4r. act=syr, category and Balance Transfer Transactrou Fee Foresee Charges r„hudm are added to the appucatnre haiarce transfer transaction caleatrry When the speeFAVeh Ac. .• . Sae the unpaid team: of the balance transfer and the Balance Transfer Traneac!iur Fee Finance Charges to the standard purchase irsnsacbbon categary However if the sweat rate has been :emanated, under the Default Rate section we leave the unpaid ba once of silo balance transfer and the. Balance Transfer Transaction Foe Finance Charges in the appmrcable baience transfer tren5ace4 r category umrlrl the specist rate would have exerted For TDD (Telecommunications Device Mr the Deaf) assistance please call 1-800-347-7449 Discover may nnontor atm; recited teteahene calls between yes and Discover represehtatrves lar coal`. assurance purpcnes The Discover card is scared try Discover Rank Member FDIC OITBit i71 DISC VER pays to DISC VER TAMSON M DORSEY Account number ending in 8025 Closing Date: November 9, 2009 page 2 of 3 Information For You Build extra Cashback Bonus by using your Discover(R) card to pay your monthly household bills like cable, cell phone, and insurance It's easy to set up, just contact your provider You'll earn rewards with every bill! This month, the featured Cashback BonuslR) Redemption Partner is Bed Bath & Beyond)R) Redeem $20 Cashback Bonus for a $25 Bed Bath 8. Beyond gift card Discover(R) gift cards are easy to give to friends and Family And now you can save $2 on the purchase fee of each gift card -- plus you'll get FREE shipping Personalize the gift card with a name and message Many come with matching greeting cards Offer available through 12/31/09 Just enter promo code GIFTS at DiscoverGiftCard corn to savel Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period 31 days Purchases $1344 80 0 02532% 9 24% V 9 24% $10 54 $0 C3O c2Z29 $0 0 00573% 23 99% F 23 99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above Questions? Manage your account at Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISC VER Closing Date: TAMSON M DORSEY November 9, 2009 Account number ending in 8025 page 3 of 3 Cashback Bonus Award Summary Cashback Bonus Anniversary Date: September 9 Balance Previous Cashback Bonus Award Balance $ 1.46 Purchase Award This Period + 3.67 Cashback Bonus Award Total 5.13 Cashback Bonus Award Balance Award Available to.Redeem 5.13 $ 5.13 30212729 Restrictions apply to the Cashback Bonus Partner offers. visit Discover.com or call 1-8DO-DISCOVER (1-800-347.2683) For details For program details, see the Cashback Bonus Program Terms and Conditions DISC VER New Balance $363.56 TAMSON M DORSEY 429 S YORK ST REAR MECHANICSBURG PA 17055-6405 Minimum Payment Due $15.00 Payment Due Date January 4, 2010 Address, e-mail or telephone change2 Print change in space above, or go to Discover corn Print your e-mail address to receive important Account information and special offers Account Number ending in 8025 Enter Amount Enclosed Below Please make check payable to Discover Card or pay online Q Discovercord coin PO BOX 71084 CHARLOTTE NC 28272-1084 000001986458557435175003635602310000001500 Discover More Card Account Summary Closing Date: December 9, 2009 Account number ending in 8025 Payment Due Date January 4, 2010 Minimum Payment Due $15 00 Credit Limit $3.000 00 Credit Available $2,636 00 Cash Credit Limit $800 00 Cash Credit Available $800 00 Previous Balance Payments And Credits Purchases Cash Advances Balance Transfers Finance Charges New Balance You may be able to avoid Periodic Finance reverse side for details page 1 of 3 $1,737 89 2,368 72 + 994 39 + 0 00 + 0 00 + 0 00 • $363 56 Charges, see the Cashback Bonus" Cashback Bonuses Since Anniversary Month September $6 17 Opening Cashback Bonus Balance New Cashbook Bonus This Period $ 5 13 + 2.42 Cashback Bonus Balance $ 7,55 How Can We Help You? It's your choice - 3 ways to help Please have your Discover Card available For TDD (assistance For hearing impaired) see reverse side 1 Visit Discover.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more 2 Call 1 -800 -DISCOVER 1347-2683) far fast, easy sell -service options or to speak with a Customer Service Account Manager 3 Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions Payments and Credits Merchandise/Retail Other/Miscellaneous Automotive Travel /Entertainment Services $0 Fraud Liability Guarantee Post Date Nov 13 Nov 25 Nov 25 Dec 6 Nov 18 Trans. Date Nov 11 Nov 25 Nov 25 Dec 6 Nov 18 Dec 5 Dec 5 Nov 17 Nov 17 IDENTITY THEFT PROTECT 800-347-3089 UT Dec 9 Dec 9 PAYMENT PROTECTION PPD 1.877.883.1959 Nov 10 Nov 10 AUMILLERS CAMERON STREET HARRISBURG PA Nov 17 Nov 17 AMERICAN AIRLINES ARC TULSA OK SHORTS TRAVEL MANAGEMENT WATERLOO I Nov 17 Nov 17 TRAVEL AGENCY FEE ARLINGTON VA SHORTS TRAVEL MANAGEMENT WATERLOO I Dec 2 Dec 2 TRAVEL GUARD GROUP STEVENS POII'ITWI Use your Discover Card with confidence PARTS EXPRESS SPRINGBORO OH INTERNET PAYMENT - THANK YOU PAYMENT - THANK YOU INTERNET PAYMENT - THANK YOU MVO'VALMAX 888-241-0049 CT 2824508690940172 BEST BUY MHT HARRISBURG PA $ -1013 -35 00 •2,310 00 -13 59 24 95 360 36 9 99 3 20 253 83 224 20 60 86 57 00 Information For You Build extra Cashback Bonus by using your Discover(R) card to pay your monthly household bills like cable, cell phone, and inssuurraa21 It72assy to set up, lust contact your provider You'll earn rewards with every bill' 29 Great holiday savings are lust a click awayl Earn 5% to 20% Cashbook Bonus(R) every day at over 150 top retailers like Seats, BestBuy corn, and Lands' End through our exclusive online shopping mall, ShopDiscover(SM) Just visit Discover corn/shop today Important Information If there is ruse 'her one page to thr,, blhng statement see the back c' each page for additional in -reorient mforratron See your Cardmember Agreement. Your CardmemberAgreetrtert contents all the terms of your .Account Lost or stolen cards Relxu;imnyedia:ely+Call 1.800.347.2583 Billing Rights Summary Ir Case of Errors or Questions About Your 811 If you think your bat is wrong, or if you reed !Core Information about a ha reaction or your bill, route hr us on a separate sheet of paper at Dlscotes PO Box 30421 Salt Lake Cady liT 841300421 as soon as possible We crust hear horn you no tater than 60 days after we sere you the first ht. on clinch the error or problem appeared You can telephone us trot doing so will rot preserve your rights In your' letter give us the Purloining nonentities • Your owe and Acrosin! number • The noel!' amount of the suspected error • Describe Ire error and explain d you can, why you believe there is an error If you need irony Information describe the item you are unsure about You do not have to pay any oncrant in question while we are investigating but you are stn" ob rgaled le pay the pans of yon tic drat air- not In question While we investigate your question we cannot report you as delrnteent or lake any action to collect the arrow•.: you qucstre r Special Rule for Credit Card Purchases' If you have e problem with the qualify of goods or services that y.� purchased !wen a credit card, and you have tried in good faith Is correct the problem with the meridian! you may not have to pay the remaining amount due on the goods or seraces You have this protection crhy olrsa the purchase yr ice was more than 050 and the purchase was made in your home state or within 100 mites of your melee address 01 we awn or operate the merchant, or it we rna!edyou the adverhsernenl for the goons or services aft purchases are covered regard.ess of the amount or location of purchase i Payments Send only your payment and the lop punier of this statement in the enveope provided Do not send cast+, By sending your check as described above you authorize us to use inamreeon en year check to make an electronic fund !rens'er from your account at the 'Mande' ans!uutrn iternied or your chuck or to process tie payment as a dock transaction If payment is processed as an e,ectron c fund transfer he Ira:sfe; we; be for the amount of the check When we use iota -nation Iron your check to make ar electronic fond Transfer funds may he ;colt rrtrcurn from your account as soon os the same day we receive eve payment. and you yak not receive your check hack from your crowds' !neutron .he. processing of your payment may he delayed it you send oath correspondence or other iters with year payment. if you send the payment to any other address or if you use an envelope other than the one provicec Payments received in proper form at our processing facility by 5Pti'ses! urns on any day will be credited to yor,r Account as of that day Payrnuncs received at nun processing fautity atter 5P`+1 Coal tore will be credited to your Account. as of the next day If you nave misplaced your envelope, send your payment In Discover PO Box 6103 Carol Stream IL 50197-5:03 Please glow 7-10 days for delivery If your payment is returned Jnpaei„ ase reserve the right to resubmit!' as an electronic debu You can pay your minimum payment er a greater amount over the elepnone, and you can set up automatic payments Call us at 1-800-347.2583 You rod need this statement and your bank account information You must ensure that sufficient funds are ata?:;;laid in your hank account Ohio till Ir505isctoons mus; conp:y with U S law You rut he asked to provide the first 5 digits of your account statenR'rrt ZIP code, By entering those nunbers as your electronic signature. you will be agreeing to this auihoszabon ID slow us and your hank to deduct each payment you authorize from your bank account and to nitiate debit or credit, entries to your batik account as opp'ircab _. to correct art error in the processing of such payment You roust tell us the amount of each payment or you can sets', an amount such as the 'Mown Payment Due or the New Ba arae on end: statement Yoe can cancel e payrruunt. however we rust reserve notice at least three hotness days in advance of the scheduled payment You may nuh5y to by -phone at '•800-347-25£3 or by moil at the address hated in the previous paragraph If your payments vary in amoral we rod fell you on each monthly eta'uirent cthei: your payment will be made and how much it Arlt be Your au:oiratic paymsel amount stay he less than indicated or. the !,+.mthly statement based on credits or payments applied during lira h(Ihay rycis Credit Reporting We may report rrformabcn about your account to tyrrdv bureaus Late payments m ssed:laymen's. or other' detour on your account may be reflected et your credit report has Connally report the status and Iravmont hstory-cifyour Account le credit reporting agencies each rrennr It you believe that our repos o Inaccurate or incomplete, please write us at the foilrvngn address Discover. PO Box 15315, Wilmincton DE 150505316 Please include your name eddies& some telephone number and Account number Grace Period on Purchases (at least 25 days). '..Ne beban to impose Peuodic Finance Charges on all transactions from the Transaction Date for the trengactren as shown en your billing statement unless a lracsacleen is posted to your Account aper the close of the biting cloned in which it occurs no which case we hegnr to impose Peeercrc Finance Charges on that trarsacucsr from the first day of the billing period of wjo&fr it is prate" to your Account 41 re continue to omoos e °eriodic Finsrco Charges until me dale you pay your entire New Balance by making payments or receiving credits However ;1 you paid the Nuts Ba'arceror! previous 81105 statement by the Payment Due Date shown or that bring statement and you pay the New Batancre by the Poymcnt Dix Date on your rurent biking statement, neo will not impose Periodic Finance Charges on neva purchases, :hat is purchases trot appearing on the current Latera statement We cast fits the -_.rare re n;d'' There is no greets period on balance Pam'ers or cash admixes Minimum Finance Charge. We will charge you a mmirnum FINANCE CHARGE of S 50 for any biting peace to which Peri :d!c Finance Charges of less than Si 50 would otherwise he tmpsned Annual Fee If your Account has an annual fee Cull be billed at the beginning nl each anon -emery yeal youhAceount is open The amount of the fee appears on the statement when the feet a billed The annual eery is not refundable unless you notify us that you wish to dose your. Accouril within 3d days onto malting or delivery !!ate of the statement on which: The fee is baled You wilt receive this refund even d you use your Card during that period Periodic Finance Charges. Pie sort your transactors into groups of purchases cash advances and baance transfers and then further sort the transactions within each group by (heir Mrruaaf Percentage Rate For exampte prirchases subject to a ;'Promotional rate and purchases stilled lo a standard one would he separate groups We refer to these croups as transaction ctayones At the end of .each billing period we cernp.; e utter -'s and Periodic Fintrrtw Charges km earth day of the lulling perani for each !rensact an category Via use rho 7eieisrng equation he compute Periodic Finance Charges for each iransactior category (Average Deity Balance! bines (gays in ;!harp period) times ;Darty Periotic Patel (You may refer to the finance charge summary on your billing statement for these amounts I Then we add up the Periodic Finance Charges for each transaction category :opt the total Penile: Finance Charges ter your Account The Average Daly Batman. is shown as zero d because of the grace period no Pena! Finance Charges apply to the balance In a uansa^_tror category We use the Average Doty Ballance (ind;.dmg new tiersections) method of calcu at:no the balance aeon' which ore me pone Periodic Finance Charges We compute the Average Daily Balance for each transactor category by adding up all the daily balancees cit a billing period fora yansact on category and dieting the tote; by the number of days Cr lis billing period VCs compute the !'ally balance tor each hensearon category an each day ins first adding the following to the preyioi,S e r s oar y halrsrce !raw chrs with a Tran:rcaor Data o': that day as shown on your btliing statement unless the transaction rs posted to your Account after the dose of the tilling period m'nh;ch a scores !r which case the transection witl be added to the daily balance as of the first dao of the billing prised in evhich II is posted, to your Account fees charged that dry end Periodic Finance: Charges accrued or the previous days :lady balance and ov then subtract:op any credits and payment that are applied against the balance of the transaction category or that day In cetcuiatnrg the deity beano for the fit! day of the tailing peaud, we consider the 'memoirs days dab; balance to harm been your balance for ked. transaction category sin ttie toot day of your previous biking poriod Ali fees charged to yore Account am cooed to the standard purchase transaction category with the exception ai Gash Advance Transaction Fee Finance Charges which are added to the app.ic action category and Balance Transfer Transaction Pee Finance Charges Which are added to the applicable balance ranter transaction category When the sp�Pc. r we rix- untold Da tiros of the balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase transaction category However if the specie! rale has been :emmnatect:i-usn the Default Sale section we leave the unpaid balance elle balance transfer and the Balance Transfer Transaction Fee Finance Charges in the appt:cable balance transfer transacuc.t Category u ti the special rate would have expired For TDD (Telecommunications Device for the Deaf) assistance please call 1-800-347-7449 Discover: nay rAri`.orernu er record lefesinorie rayls hetween you and Discover representatives for quaint" aseu,arce purposes The Discover card is issued by Dticover Bonk Membei FDIC 01TBir 171 DISC VER !t pays io DISC VER TAMSON M DORSEY Account number ending in 8025 Closing Date: December 9, 2009 page 2 of 3 Earn 5% Cashback Bonus(R) at Best -Buy corn when you make your purchases online through ShopDiscover(SM) and use your Discover(R) Card! Earn 5% to 20% Cashback Bonus every day when you shop at over 150 top online retailers through ShopDiscover Just visit Discover corn/shop to start earning extra rewards today! This month, the featured Cashback Bonus(R) Redemption Partner is Bed Bath & Beyond(R) Redeem $20 Cashback Bonus for a $25 Bed Bath & Beyond gift card Finance Charge Summary Nom Ind Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period 30 days Purchase- $0 0 03559% 12 99% V 12 99% $0 $0 C3024229 $0 0 06573% 23 99% F 23 99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above Questions? Manage your account at Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISC VER Closing Date: December 9, 2009 TAMSON M DORSEY Account number ending in 8025 page 3 of 3 Cashback Bonus Award Summary Cashback Bonus Anniversary Date: September 9 Previous Cashback Bonus Award Balance Purchase Award This Period Cashback Bonus Award Total Balance $ 5.13 + 2.42 7.55 Cashback Bonus Award Balance 7.55 Award Available to Redeem $ 7,55 30212729 Restrictions apply to the Cashback Bonus Partner offers. visit Discover.com or call 1.800•DISCOVER (1-800.347.2683) for details For program details, see the Cashback Bonus Program Terms and Conditions DISC VER New Balance $734.57 TAMSON M DORSEY 753 SNYDER RD COGAN STATION PA 17728-8412 Minimum Payment Due $40.00 Payment Due Dale February 4, 2010 Address, e-mail or telephone change2 Print change in space above, or go to Discover corn Print your e-mail address to receive important Account information and special offers Account Number ending in 8025 Enter Amount Enclosed Below Please make check payable to Discover Card or pay online @ Discovercard tom PO BOX 71084 CHARLOTTE NC 28272-1084 000001986458557435175007345700000000004000 Discover More Card Account Summary Closing Date: January 9, 2010 Account number ending in 8025 Payment Due Date February 4, 2010 Minimum Payment Due $40 00 Credit Limit $3,000 00 Credit Available $2,265 00 Cash Credit Limit $800 00 Cash Credit Available $800 00 Previous Balance Payments And Credits Purchases Cash Advances Balance Transfers Finance Charges New Balance page 1 of 3 $363 56 189 72 556 64 0 00 0 00 + 4 09 $734 57 You may be able to avoid Periodic Finance Charges, see the reverse side for details Cashback Bonus" Cashbook Bonuses Since Anniversary Month September $9 35 Opening Cashback Bonus Balance New Cashback Bonus This Period ShopDiscover & Promotional Everywhere Else Cashback Bonus Balance $ 7 55 + 221 + 0 97 $ 10,73 How Can We Help You? It's your choice - 3 ways to help Please have your Discover Card available For TDD (assistance for hearing impaired) see reverse side 2 3 Visit Discover.com to pay your bill for no cost, viewour latest Account information, earn and redeem rewards and more Call 1 -800 -DISCOVER (347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions Payments and Credits Merchandise/Retail Other/Miscellaneous Automotive Travel/Entertainment $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Post Date Date Dec 17 Dec 17 INTERNET PAYMENT - THANK YOU Jan 5 Jan 6 TM 'COWBOYS STADIUM TO 214-373-8000 FL DALB7672 3.41815 Dec 18 Dec 18 MVO'VALMAX 888-241-0049 CT 2824508697198802 Jan 2 Jan -2 TM 'COWBOYS STADIUM TO 214-373-8000 FL DALB0046 3-41815 Jan 5 Jan 5 WAL-MART SC - 41886 MECHANICSBURGPA Jan 5 Jan 5 SMOKER'S EXPRESS #1401 MECHANICSBURGPA Jan 7 Jan 7 WALMART SC • 41886 .MECHANICSBURGPA Dec 17 Dec 17 IDENTITY THEFT PROTECT 800-347-3089 UT Jan 9 Jon 9 PAYMENT PROTECTION PPD 1-877-883-1959 Jan 2 Jan 2 SEARS AUTO CNTR 6364 CAMP HILL PA Dec 26 Dec 26 EXPEDIA"TP,AVEL 800.367.3476 NV $ .15000 -39 72 24 95 47 92 4709 151 14 18 95 9 99 6 48 139 73 11039 Information For You Build extra Cashback Bonus by using your Discover(R) card to pay your monthly household bills like cable, cell phone, and insurance It's easy to set up. lust contact your provider You'll earn rewards with every bill! 30212729 Important Information If there is more than one page to this bitting statement see the back c•' each page kr additional impar iii information See your Cardmember Agreement. Your CaromemberAgreerrtent =axis oil the terms. of your Accerm Lost of stolen cards Report immediately'. Call l-800.347.2663. Billing Rights Summary Ir Case of Errors or Questions About Your B1'.l F you think your but is wrong, or ii you reed inure information about a transaction on yam bill, rime to iia cis separate sheet of paper at Disco yei PO Box 30421 Salt Lake City UT 84130.0421 as soon as posshln We mus; hear from you no tater than 00 days after we sen; you the firs; h li un beach the ever or problem appeared You can telephone us but dorg so oil not preserve your rights In your letter give us the Wowing information • Your mine and Account number • The collar amount of ire suspected error • Describe the error arid explain d filar can, why you believe there is an error iI vet: need more intormafinh describe the reel you are unsure about You do not have 10 pay any arnand it question edidu ie are atvestigatrng but you are slit: obgated to pay the pads of your lona= that are not in question While we investigate your question we cannot renal you as delrnouent or take any action to cal ect the amount you question Special Rule for Credit Card Purchases it yes have a problem with the quaiiry ilii goods Cr services that you purchased with a credit card, and yeti have well in good faith to correct the probk;m with the mei dant you may not have to pay the remaining amount due on rhe goods or services You have this protection only when the purchase price vias mere than 050 and the purchase was made in your home stale errrlhir. t Of) :.ones of your mane{address fit we ark or operate the nlerd'•ar t or if we mailed you the ei!versreraent far the goods or services all purchase=_ are coveted regard ass of die amount or location of purchase ) Payments Send only your payment and the top poorer of this statement can the ervoepe proarded Do net send casts 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 inti t>rd on }our check or to process ocess itie payment as a check transaction If panrnent is processed as an ewectroorc fund transfer the transfer with be tar the amount GI the check 'When wee. use alternation from your check to make ar electronic fund tranater funds may he iatlrrl awn from your aciounf as soon ac the same day we receive your payment. and You will not receive your check tack Iron: your financial institution The processing of your payment may be delayed it you send cash c:rresporaence or attain terns with your payment, it you send the payment to any other address or if you use an envelope other than the one proaiuea Payments received in proper form at our processing facility by SPF.i Inca! ane on any day will be credited to your Account 00 Of ;hat day Payment receroed at em processing facility after 5PM local time will be credited to yair Account as of the riot day If you have misplaced your envelope: send your payment to Discover PO Bon 6103 Carol Streani 1! 6.0197-6133 Please attars 7-10 days kr ctelrvery Irma mr pawrer! is resumed impact, we reserve time right to resubmit it an an electronic debit Yeu can pay yourrrirnnum payment ora greater amount over the telephone, and you can set up automatic payments Call us al i-800307-20:9:1 You witi need Ii!s statement and year bank acceurt intoirmation You must ensure that sufficient funds are available in your hank account. ane an transactions crust coney oath U S law You will he asked in provide the first 5 digits of your account statement ZIP code By entering those nun hers as year electronic signature, you mull be agreeing to this aulhonzauon to allow us and your bank to deduct each payment you authunze horn yeti bank account and to innate debit or credd entries to your buns account as applicable, to correct an error in the processing Or such payment You must left tt5 The annum of each paynten or you can select alt &Mont such as the Minimum Payment Dae Or the New Ba once are each stateroom You can canal payment. however we mus: receive notice at lead throe horsiness days in advance of the scheduled payment YOU may no6ry an by phone at 'Z0-347-2682 or by email at !headdress listed in the pre:nus paragraph If your payments vary in amnuint we will tel! you on each n onthty sta'urrert rvhen year payment yid! be Trade and how much it vin be Your automatic payment amount may be tess than indicated or. the :monthly statement based nor credits a payments atip!rerl during the billing opens Credit Reporting We may report rnfsrrnabon about yr/Li eccotrd m rredr+ bureaus Late payments massed payments. or other defaults en your accewn` may so reflected in yourccredd rept" We normally report the status and ;raymrnt history of your Account to credit reporting agencies each morith if yob belreve that our report Is inaccurate Cr incomplete, ;lease write us ar.the following andress Dincovel. FO Box 15316, Wilmington DE 19850 5310 Please include your name :addrees none telephone number and Account number Grace Period on Purchases (at least 25 days).' We 'aeon to impose Periodic Finaisce Charges on all tmrsaclrone from the Transaction Date lorhe Iransacunn as uhovm en your billing statement tiniest; a transactor, is posted to your Account after the close of the bitting period in which 11 occurs on which case we bags: to impose Perrneec France Charges no that transaction from the first day of the billing period in which n 5 ousteii to your Account We uremia to impose Pe.rmdic Finance Charges unol me date tort'sa'y your entire New Balance by making payments or receiving creorls However if you pard the New Balance on your previous foiling statement by the Paymem Due Date shown or teal billing statement and you pay the Now Balance by the Payment Due Dale on your current rifting statement, ore wrl not impose Panodic Finance Charges on new purchases, that is purchases first appearing on the current bill= statement. We cap eras the 'grace period' There ie no grace period or: balance transfers_ it cash advances Minimum Finance Charge, We will charge you a minrmum FINANCE CHARGE or $ 50 for any hArrg period in which Periodic Finance Charges of less Iia, 5 50 would otherwise be imposed Annual Fee if your Account has an amnia! fee it will be billed at lila hegrnnirrp of each anniversary- yea: you rAccount is open The amount of the fee appears on the statement when the fee rs billed The annual tee es net refundable unless you nobly us that you wish to close you:Account within 30 days 0i the matins, Or deuveiy dare of he statement cis win the Fee is betted You win receive this refund even it you use your Card during that period Periodic Finance Charges. We sod your transactions into groups of purchases cash advances and balance Transfers and then .further sort lime transactions within each group by theirAnnuut Percentage Rale For example purchases subject to a promedioral rate and purchases subject to a standard rate would be separate groups We refer ;o ;hese croups as transaction categories At the rod of .each bitting pencil ore iximp. e balances and Penodlc Fir;:ria Charges kr each day of the billing pored for each transac':on category rte use the feCer ing nosalton to wr:hture Periodic Finance Ctraroes for each i:ansacinxr category lAverage Daily Baancel tunes (gays in bi"rnc purled; limes (Daily Periodic Rale) !Voir may refer to the finance charge summary on your billing statement for these amounts j Than we odd up the Periodic Finance Charges for each transaction category tc get the foal: Periodic Finance Chargees for your Accorint The A rmogc Daly Bliiairer is shown es &Mit because of the grace period no Ponocac Finance. Charges apply to the balance in a transactor category Vie use the Average Daisy Balance find: ding new iransaciior:st method of calculating the balance upon which we impose Periodic Finance Charges We compute the Average Daily Baance for each transaction category by adding up art true daily balances ii? a billing period lora transaction category and dividing the total by the number eiders in the billing period We compute the dopy balance tier each tiansc;nnrt category on each day by first adding the f!iltwii:g to lie previous day: 5 not y malate lrar:;adroit with a Traroaction Dare of that day as shorn on your being statement unless Gine transacOch is peered to your Account after line dose of the biline period in which lt occurs !n erhich case the t,ansaclion wit! he added lo the daily balance as or the first day of the billing period in which d is panted to your Account ices charged that tiny and Periodic Finance Charges cowed or the previous day e daily balance and by then subtracting airy credits and payments that are applied against the balance of the transaction category or that day In calculating the daily balance for the first day of the hd6ra period, von xir seder The `previous days daily balance to have beim your balance for each transaction category On the last day of your previous billing im:ail Ali lees charged to your Account are acCeo to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are adder to the applic ' �.-_{�7.7r action category and Balance Transfer Transaction Fee Finance Charges which are added to the auphca foie balance transfer transaction category When Ihe see, M�. �, , .TS �!.• ere the unpaid beam Cs of the balance transfer and lye Balance Transfer Transaction Fee France Charges to the standard purchase transaaon category However if the special rate has been fenniriated anger the Default Rale section we leave the unpaid baance el the balance transfer and the Balance Transfer Transaction Fee Finance Charges in the applicable balance transfer transaction category until the spews! rale would have expired For TDD ITelecommuni cations Device for the Deaf) assistance please call 1-800-347-7449 Dc.SAaer inay monitor ardror record teteohone calls between you and Discover repreuentattiress for cuoti`y assuiarcx peruses The Discover raid is issued by Discover Bank Member FDIC 01TBkr71 DISC VER tt pays to DISC VER. TAMSON M DORSEY Account number ending in 8025 Closing Date: January 9, 2010 page 2 of 3 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period 31 days Purc are $371 79 0 03559% 12 99% V 12 99% $4 09 $0 ca c2I229 $0 0 0o573% 23 99% F 23 99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above Questions? Manage your account at Discover.cam or call 1 -800 -DISCOVER (1-800-347-2683). DISC VER Closing Date: January 9, 2010 TAMSON M DORSEY Account number ending in 8025 page 3 of 3 Cashback Bonus Award Summary Cashback Bonus Anniversary Date: September 9 Balance Previous Cashback Bonus Award Balance $ 7.55 Purchase Award This Period 0.97 ShopDiscover & Promotional 2.21 Cashback Bonus Award Total 10.73 Cashback Bonus Award Balance 10.73 Award Available to Redeem 30212729 Restrictions apply to the Cashback Bonus Partner offers. visit Discover.com or call 1 -800 -DISCOVER (1-800-347-2683) for details For program detaols, see the Cashback Bonus Program Terms and Conditions 10.73 DISC VER New Balance $2,526.17 TAMSON M DORSEY 753 SNYDER RD COGAN STATION PA 17728-8412 Minimum Payment Due $51.00 Payment Due Date March 4, 2010 Address, e-mail or telephone change2 Go to www.Discover.com or print change in space above Account Number ending in 8025 Enter Amount Enclosed Below Please pay online @ www Discover corn or make check payable to Discover PO BOX 71084 CHARLOTTE NC 28272-1084 000001986458557435175025261700000000005100 Opening Date: January 10, 2010 - Closing Date: February 9, 2010 Discover More Card Account Summary Account number ending in 8025 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Finance Charges Other Fees t New Balance See Finance Charge Summary section for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cosh Advance Credit Line Available $734 57 260 39 + 2,026 21 + 0 00 + 0 00 + 25 78 + 0 00 $2,526 17 following transactions $3,000 00 $473 00 $800 00 $473 00 You may be able to avoid Periodic Finance Charges, see the reverse side for details See transaction detail for a description of any fees charged Cashback Bonusv Anniversary Month September Opening Cashback Bonus Balance $ 10 73 New Cashback Bonus This Period 5% Cashback Bonus + 40 00 Everywhere Else + 6 01 Cashback Bonus Balance $ 56,74 Tc leorn more iia ;n ai www.Discover.com and :elect Rewards 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call 1.800 -DISCOVER (1-800-347-2683) Please have your Discover card available 3 Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449 page 1 of 2 Payment Information New Balance $2,526 17 Minimum Payment Due $51 00 Payment Due Date March 4, 2010 Late Payment Warning: If we do not receive your minimum payment by the dote listed above, you may have to pay a late fee of up to $39 00 and your purchase APRs for new transactions may be increased up to the Default APR of 17 99% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example If you make no additional charges using this caro and eat h month you pay. You will pay off the balance shown on thts statement ;in about . And you will end up paying an estimated total of Only the minimum payment 6 years $3,500 $85 3 years $3,064 (Savings = $436 ) f you would like information about credit counseling services, call 1-800-347-1 121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth moresm—find easy ways to earn and redeem cash rewards NEW! Access your account securely through your mobile phone Transactions Payments and Credits 30212729 Merchandise Trans. Date Jan 8 Jan 30 Jan 7 Jan 10 Post Date Jan 10 Jan 30 Jan 10 Jan 10 EXPEDIA*TRAVEL 800-367-3476 NV INTERNET PAYMENT - THANK YOU BURLINGTON COAT FACT 169 HARRISBURG PA WAL-MART SC - #0407 KILLEEN TX $ .11039 -15000 1999 192 46 See reverse side DISCOVER DISC VER ti pays to DISC VER' TAMSON M DORSEY Account number ending in 8025 page 2 of 2 Transactions Merchandise Restaurants Other/Miscellaneous Gasoline Travel/Entertainment Trans. Post Date Date Jan 12 Jan 12 WAL-MART SC - #0407 KILLEEN TX Jan 15 Jan 15 BEST BUY MHT MECHANICSBURGPA Jan 15 Jan 15 WAL-MART SC • #1886 MECHANICSBURGPA Jan 15 Jan 15 HP PRODUCT SVC&RPR 800-474-6836 CA 4012684004EFG267 Jan 17 Jan 17 MVQ*VALMAX 888-241-0049 CT 2824508694988952 Jan 18 Jan 18 WAL-MART SC - #1886 MECHANICSBURGPA Jon 7 Jan 10 BOB EVANS REST #0500 LINTHICUM HGTMD Jon 8 Jan 10 FICINI'S PIZZA & WINGS GLEN BURNIE MD Jan 10 Jan 10 GOLDEN CORRAL 2577 KILLEEN TX Jan 13 Jan 13 CHEDDAR'S #330 HARKER HEIGHTTX Jan 14 Jan 14 B AND A CARRY OUT GLEN BURNIE MD Jan 18 Jan 18 MO'S FISHERMAN WHARF INN BALTIMORE MD Feb 3 Feb 3 PIZZA HUT #84430198835 CAMP HILL PA Jan 17 Jan 17 IDENTITY THEFT PROTECT 800-347-3089 UT Feb 9 Feb 9 PAYMENT PROTECTION PPD 1-877-883-1959 Jan 12 Jan 12 HEB GAS STATION #581 KILLEEN TX Jan 14 Jan 14 RACEWAY71 l FT WORTH TX Jan 9 Jan 10 MICROTEL INN & STES LINTHICUM HTSMD Jan 9 Jan 10 #2045 LAQUINTA INNS LINTHICUM MD Jan 9 Jan 10 AMERICAN AIRLINES BALTIMORE MD Jan 14 Jan 14 HERTZ CAR RENTAL DALLAS TX Jan 14 Jan 14 AMERICAN AIRLINES DALLAS TX Jan 14 Jan 14 REST EASY LLC MFHDA FORT HOOD TX Jan 15 Jan 15 #2045 LAQUINTA INNS LINTHICUM MD Jan 15 Jan 15 #2045 LAQUINTA INNS LINTHICUM MD Jan 16 Jan 16 VIP FITNESS MECHANICSBURGPA Jan 16 Jan 16 NATIONAL AQUARIUM IN BAL BALTIMORE MD 35 84 267 77 90 89 15 85 24 95 61 05 34 92 22 03 52 96 74 82 18 41 34 42 33 92 9 99 22 28 27 00 24 00 37 41 90 40 40 00 241 41 4000 31800 95 55 16 10 29 99 53 80 Finance Charge Summary current billing period 31 days Purchases Cash Advances V = Variable Rate Nominal Other Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES $2,338 94 0 03559% 12 99% V 12 99% $25 78 $0 $0 0 06573% 23 99% 23 99% $0 $0 Information For You Notwithstanding the payment due date on this statement, if yov paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose Periodic Finance Charges on new purchases first appearing on this billing statement, or any portion of a new purchase, paid within 25 days of the Closing Dote on this billing statement This month, the featured Cashback Bonus(R) Redemption Partner is Applebee's(R) Redeem $45 Cashback Bonus for a $50 Applebee's gift card Earn 5% Cashback Bonus(R) at BestBuy corn when you make your purchases online through ShopDiscover(SM) and use your Discover(R) Cardi Earn 5% to 20% Cashback Bonus every day when you shop at over 150 top online retailers through ShopDiscover Just visit Discover corn/shop to start earning extra rewords today! 30212729 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER` DISC VER New Balance $2,310.39 TAMSON M DORSEY 753 SNYDER RD COGAN STATION PA 17728-8412 Minimum Payment Due - $47.00 Payment Due Date April 4, 2010 Address, e-mail or telephone change2 Go to www.Discover.com or print change in space above Account Number ending in 8025 Enter Amount Enclosed Below Please pay online www Discover corn or make check payable to Discover PO BOX 71084 CHARLOTTE NC 28272-1084 000001986458557435175023103900000000004700 Opening Date: February 10, 2010 - Closing Date: March 9, 2010 Discover More Card Account Summary Account number ending in 8025 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Finance Charges Other Fees t New Balance See Finance Charge Summary section for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $2,526 17 324 75 + 85 31 + 0 00 + 0 00 + 23 66 + 0 00 $2,310 39 Following transactions $3,000 00 $689 00 $800 00 $689 00 You may be able to ovoid Periodic Finance Charges, see the reverse side for details See transaction detail for a description of any fees charged Cashback Bonus" Anniversary Month September Opening Cashback Bonus Balance $ 56 74 New Cashback Bonus This Period + .0 69 Redeemed This Period 50 00 Cashback Bonus Balance $ 6.05 To leorr: more loc,, m at www.Discover.com and seleci Rewards 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call 1 -800 -DISCOVER (1.800.347-2683) Please hove your Discovers"card available 3 Write to us of Discover, PO Box 30943, Salt Loke City, UT 84130 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800.347-7449 page 1 of 2 Payment Information New Balance $2.310 39 Minimum Payment Due $47 00 Payment Due Date April 4, 2010 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $39 00 and your purchase APRs for new transactions may be increased up to the Default APR of 17 99% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example If you make no additional charges using this card and each month you pay -You will pay off :the balance shown on this statement in about And you will 'end up paying an estimated total of . Only the minimum payment 7 years $3,553 $78 3 years $2,802 (Savings = $751 ) f you would like information about credit counseling services, call 1-800-347-1121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth moresm—findeasy ways to earn and redeem cash rewards NEWt Access your account securely through your mobile phone Transactions Payments and Credits 30212729 Trans. Post Date Date Feb 21 Feb 21 INTERNET PAYMENT- THANK YOU Feb 21 Feb 16 VALUE MAX TEMPORARY CREDIT PENDING INVESTIGATION Feb 23 Feb 24 MVQ*VALMAX 888-241-0049 CT 2824508693418161 $ -150 00 -49 90 -24 95 See reverse side DISCOVER- important information eve is store:10 e p0t:te to th.s. titre!! 5fettrane.1 tne batt''s-s paqe r'II <WM/tonal 111,511.'45: a01a See your Carchnember Agieement, Yore carOv-tray, 3eat11u2 Is r* di .au' A—pa, ins; or stofen cards 3-30 3FY1'1' Call 1400.347.2683 Billing Rights Summary /3' Er ,ci:s 011t'S!../0/15 Al://it:' 5%5./ a!! :! /.51, y0.,// Wor/g, , yeb li(jrnrri e ,3/ you/ So' pan)* 0' 713,"''(' :5/5/5/:'053 UCIox 1 Salt 1.3kr?Cit.5' f:4 :,'/4.1.12" act snort 25 /soot' Q ./5,',5/ 31350 It03/ 'i0/1 :13 13'r: 05.33 al.. 3f 0A3 5/3,- V3./ 0 55 1151:', ,r3 '00155, i.15,k/F/T1 15335E1/55:1 II,/5;/11 ,/F.eptitattu 115 rte; vat etc,0 ; ye:runty ye., erithrs y/53/ :0t 5. cf e fotktratthg 00007111thner • http name! o't Account 1(311}.33 • Trp a';err: rot at InP attscarattPd ?WY • Du'c't,, :0 <"» 3,0 tt,sp,art v..^44 Y3,/ ()el :/.1•Ye ti 3' error It ypt, t•hteet /r"00130.,5 d'' -Ina tr_E:rr so.'3' 1.1,53,"/5 1.35dr:r»2: '000'opzyrr,y amptent tAit 013015 I t,'1's,0 3a00ep,,, 33 mat 5,, not p+ 0,1';e241311 Wi31: niF trt,Pifigre,P ;,,F5h,s" ;54/ 45 Id nquertt et, taae <._,, '0 1.3 /5331:313 "/Y.,/: girt-0ton Special Rule for Credit Card Purchases 4 o ttras.e 'rtrptar., vatt r4•••,.witty el gt:r.set /.3' 5rytratt, thatt iutechttatten rat 3 WO/1 r5t0" 5001 yca, aye "Pen I t gtttpd tift kt 0emee,t the ercniatr wth itte trc,trhont. y,t mot; nal ray..? Ss 23y /5/!ton',5n. np atmetuir due. cr •trlet rprsis SC 3CEN r/r1V: 31r://3..(3:3epty wirr, r 310i:50,3- 31111 .550 01F phathrattery.tats male hentu.7...e 146/5,C,' I i',.1,5 e$ I eq.: atres5 r0 ,re peY, ac,,taatt, 're 0ett0.0 ratt, t• y50 nart,d rhttrt..(1'.,,.c,rPto., ICs '200/ Or 5333:"Z.F.5 riff ptsc hales pre .1'. ,d ,tt.a.tritaart rha aarrturtt or Payments Searr Poly yavi paymterts anti rtrar tcp th-s aratetenrm trt the e.thstetrre 230' 13 Do rartt Pe rh:fr,rtslt Ey sendr yeer rthhck as 355<3.5<04 161011, you 005111' 1 to kg lox! check I, 00,0 0n "IPC'f(3/tr 1 Ana Al frpot, at.r•op, 3t 1153 .r; 'III' Ii' t+eit•tatatr yr•hr chrt.ek r .optt.tt.tess tt••a ler 45 9300001 prett:esed <(11 .4" eeu"ot-r r; rtrd Is U'0' 1Ittr.ats.sttrttt or) So'" tne stt-tpaPt a' "0 1.0.0 'Atha, •y,e, uf.te nIcttm.at et- 'n1-• tritn chest:, 01 Ppc0t ettztrotarr 1.0-te rpons.0e, 'tends wittadtay, tern Voir ,Ki.:.Plfe .3./ 43/35 i/3/. tr.' 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Pi)yr-k,,i1 Co tar ttsa 'Ve-4,Pa a it. 1•,t1 e51r" stale reta 'tot tr,r0t cart'at n5ymtatir 11135/.. 1<"I''155,f eters', 're,OV.'of mr paytrestt Yett nary not0y tts tty citrate att 02.1.10 260/.?: cy try Cat te-e act:tires:a tctut.111 ttrayteut; P ,'c 's' sr 0", I' YR A, 1, rot 5r/3 55131 F5131111,1y5larexpet01•5thrt• yeta• .955'' .5 00/4 33<02" a '‚2 <0<0 my, -twit ha Yet,., atrzncr::z payrnrpt amotral Play lU,as,.t man .0 0511 21,1114 etir '' it 00/5.5-15,‘,1 310//15:1 ciaVli a,p*, t; orirj Credit Reporting irifornrron kiszor, I., cieJil bata3510 oS CA <'3100 o''_L'-.r Or 34t. sMI25 ird ,3515/ry yzatt AY•ttott,t to Peneat rehnntat4 arraaptra cf you to)no.:, thM ,p•al ,.1311,ral,:. od-t? t10 ,0,1C/5/3: 5301,5 25, 81,1 `b31,5, DE 1;11.50 10300, PIK,trat, ,actutree yPttr tr..roir ,(.1,r.,f • 3155./ Grace Period on Purchases (al least 25 days). of //3/154„1/3 5 :/:/' the 'SO' tc apron Darn -totttt *,,,://y/5,33/' yestt 151! stamp [Cl' 1.tPtess tept•tataairan 23E'r 51V C1055 r0 1he tt :or onet cb 0.34 r whicn case "pt. 6:,...;tiP 47,n15a0.? 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Chart/Qs pa that • er s,tya tht35. ota pii;rreat wh.ch t‘t rreett te yeer Aatt,rtrtt eur r: p:re Dor t!,.. ,12,7 fia :au st-ttyttet OP y'..'rU i.tay'rer ir rocs -Nog ciect /.4,.33,(1 'OF" th e i5C50 yr/J, ;riev.oris bti imp 1311emottr1,,1tre Payatet )eit Date simryin '31.1 15/11,g qta'er'.ort ere teifuoi /31,43/5 Peritdc Firarcit .53,/,' 114/ ,/1./55t355C/5 VIM "3:5;:53/53; r./3 */-: 3 b./11,19 5/3/5,5:1;5: aPy psrarttatt et :7: ;'C's F3035.5,3 pa/d by''':e '35/ otje. p3/.e b1?.:erT,11 ,a'; tl's'''so t051ttxr 'Mete n b5tru'it-u renee-c5e Aa rete tat y derettopyt n the: 5.531:1r- y1;,,, Cant TP.:711.111,3Grt:;Nr..:,q t.tttpet hyo 1P/0• Asyi Pthyrirtnts ;tel- rt,artetratty apiy p0<'n1'' 16.31,41,e1!.1,' 1/30/1 3n Ittett.thritca Pt:trnerniesettee Fr.: Axe 5' the trtaltr.a,el",,' trans ttcraret ;a:ropy Thts, lit "t '131 /1/) 501 pay '1'- 's0rtt0, Bettar "501'I' yertt ttrt0r2 atateartrn 1;tty Duty 5t3)531 r:, 3 1 /.3/!31:f55r,/l/F' 11C Pe 'cc tarle Rourc ;.);`,Or trcatr 91. 10,., not, clat tyttex. pd Tata parr:rases Minimum Finance Charge WZ5 F/13 . -Nem FINANCE ChARGE oi ftr pc, P.areazthr. C'1/515:/5: r.:1115551mr, $ vv;.:31 :701/154,5,1 Annual Fe, If /2 1,5, .31 3 ,//-,(.3 'pe; , be, 1,1 p/f 11,0 ,54/39/,:1 !„..)yrrp! er vr(m, i(reaDMi(i. 0,19)(1 5/ ta/eil,n•,( tr (// r./Z ice ,c; refundable 35' 21', you nee iv us Mei //CA/ L'45.15 3101"<, 51 5.1 50/../5. 0" %/.) '5331.1,4 GCW31, d',1fe V MC- snimant w-tteth, Pa ter ts 1' '"1 Yr. ptcra C'0F3 I tel e,( '15 'that ,,r0oti Periodic Finance Cfsoruus Cr stet yeti r • rex '5" 4,/t/:05/F rotii/ <s' 1' Ions). 13 '1151<," ft r• 'let anti t.tt, rear eta, t•nns (:,Cr; gr...50 by t trt.tetriteui Perceatare P.ste k FX/irrIp5e., 13'.5ir,r/01UE 5q5/$•Ci '6" 3<11") nil ute 3,11 Due:hasps 35 33"1'd ""'1 ,1<45 be separate 9'1119 <0001 let to these grp,rtets as trlr:ct,fi 3110,3 Lininr,00n o'Pa's, ; Fere ,Ui"! i'MCh 1,./f r01 r:!.1,-,1 151 SZ5.r5"0l" th' r33^,311,F r'1if.011, • aerges f.v• sash ;,,itsactesi cattryorr., Dill's '1150, CC! iinno (Jays n Ittrittact ,,e-rrtft InnUs 1L)13 ttatnett p ketati 133; Mrly /NC. iltatptc. Sorsa er reel' you bit fic 5/13:1F/5115.:, Thirri NC- attar t,p 11 a thnttplu. narttet 1.I3511,•/335/13..111 3.;:/3://'.,(5,9 1113 le/10, 130N-yi/5 0.-1y 00:a -ow: 5 321.1115 :3" p reiina r/5 Ddr ttata0e,tt.,/, eateue7 1ne 1.1aN '..3R/ R05e ' 2 "1' sI a ,011,Vip:ii er/I; A`13:31 Pe/reit/y.3F leicr usc Areiviee t; Saii-tur,e . 'Twit-a-suet:ors) 2..-511ad o2iri.11&/;/ the tater%a aoor, re. trorar,se Penocret frirtartce Chatues crtypete (111 ,'00053',' 13<13 Ou rIT C/Fir.11 "0'71S:1,11.71 '5'. 31' 1 -ay '<3) 'c) '-e f..;, ,.,•)r.Sa7.Cr.1,./..-3F(35,y 35d no r:.ont0: dayS r (I'll'sI da•tty ttl.a. for 4),..,,,,t/ 3,;/56/5c.3!;,..,.t0g5^i 5,3-1/ &,y by ,'5' ,,..,;;01,4 bc. Is' rev,mcs .""'i'3C"' deity higare i'eutsact a 'Tie, 001 'Si,' strom en yrt,it alttoct srattrratett rtehsts trier trans:n-000C' pC•Siee //'4.5 11Arvate .5 5 the '2 1' iV110; Itt ;trytr.ct trt t'31me1• mr....AT: case te OR 15' 15.3//413;.45 ("I 310 r•st, dtty or thtt r.Pat.01 '1 ,31,105 y. rr Av.:ma' fees clrai:ied it duy d Pertna r,`,1 ca (...himj(rr:, 01r7r, :5,..ibMa:!)"() a, ly cerPts l'41PZIF116.%'; that ara i41. 19.010.5 the tratnitc,a 11 ',Etc *tart:pp:tan C/3ctla hig.; '''111 1.0 ha ;3:".X2 the ft,st day at 0c:1,30212729 aays arttr, naletnta 1.4 have Ipttrc n your Pa ,Pa fe, tkrtten 1,13", "51 C7,',Nt0y 0:73 11 tri^ti: c.53,,,tr.34 ;31/31 Ar `005 Ur+W3'1i 11 ?OW A15-:5351 1, 14510',' 0,5,..' 31" '1,5' parrinry w•th the: 5101, 1' 3' ''•:f Ahiya•rop• Trir/55/1:Ke3 Ci .0,1-51 01155 .aprtrItt..att,e ',ash adt duce saus3CID'I wteclory ar,d Bel; -.Ince 201'sre/ Pars:at:1v, Pete fa-at:en Ctritretes tythttph are adeirct aectItettabie itatzeLeirarisfei 15335.36/051...:/;:rv!). For TDD ;Telecommunications Device for the Deaf; assistanco. please cal11-500-347-7440 C,5!01wer nay/n-3 cayil you 'zin21Ds:L-0er Fri 1, tarteahe D 1.. FAD. ti. DISC VER tt pays IQ DISC VER TAMSON M DORSEY Account number ending in 8025 page 2 of 2 Transactions Trans. Post Date Date Payments and Credits Feb 23 Feb 24 MVO'VAIMAX 888-241-0049 CT -24 95 2824508692288799 Feb 26 Feb 28 MVQ'VAIMAX 888-241-0049 CT -24 95 2824508692252796 Award and Rebate Credits Feb 11 Feb 11 REWARD REDEMPTION CREDIT -50 00 ENJOY - YOU'VE EARNED IT Merchandise Feb 16 Feb 16 MVQ`VAIMAX 888-241-0049 CT 24 95 2824508690271013 Other/Miscellaneous Feb 17 Feb 17 IDENTITY THEFT PROTECT 800.347.3089 UT 9 99 Mar 9 Mar 9 PAYMENT PROTECTION PPD 1-877-883-1959 20 38 Travel/Entertainment Feb 16 Feb 16 VIP FITNESS MECHANICSBURGPA 29 99 Finance Charge Summary Nominal Other Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE current billing period 28 days Balances Rates RATES RATES CHARGES CHARGES Purchases $2,376 12 0 03559% 12 99% V 12 99% $23 66 $0 Cash Advances $0 0 06573% 23 99% 23 99% $0 $0 V = Variable Rate Information For You Notwithstanding the payment due date on this statement, if you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose Periodic Finance Charges on new purchases first appearing on this billing. statement, or any portion of a new purchase, paid within 25 days of the Closing Date on this billing statement This month, the featured Cashback Bonus(R) Redemption Partner is Bed Bath & Beyond(R) Redeem $20 Cashback Bonus for a $25 Bed Bath & Beyond gift card See the entire year's worth of expenses The yecr end summary can streamline the way you manage your expenses by showing you every transaction on your Discover Card account throughout the calendar year Online you'll see the total amount of all your transactions, including payments, purchases, and credits Go to Discover comjsummary today! 30212729 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER` DISC VER New Balance $2,269.16 TAMSON M DORSEY 753 SNYDER RD COGAN STATION PA 17728-84.12 Minimum Payment Due $46.00 Payment Due Date May 4, 2010 Address, e-mail or telephone change2 Go to www.Discover.com or print change in space above Account Number ending in 8025 Enter Amount Enclosed Below $ Pay online at www Discover com or make check payable to Discover Phone and Internet payments must be made by 5 OOpm ET for same day posting PO BOX 71084 CHARLOTTE NC 28272-108 000001986458557435175022691600000000004600 Opening Date: March 10, 2010 - Closing Date: April 9, 2010 Discover More Card Account Summary Account number ending In 8025 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Finance Charges Other Fees t New Balance $2,310 39 299 90 + 233 41 + 0 00 + 0 00 + 25 26 + 0 00 $2.269 16 See Finance Charge Summary section following transactions for detailed APR Information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit line Available $3,000 00 $730 00 $800 00 $730 00 You may be able to avoid Periodic Finance Charges, see the reverse side for details "See transaction detail for a description of any fees charged Cashback Bonus' Anniversary Month September Opening Cashback Bonus Balance $ 6 05 New Coshback Bonus This Period + 1 53 Cashback Bonus Balance $ 7.58 To learn mare las in or www.Discover.com and select Rewards 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call 1 -800 -DISCOVER 11-800-347-2683) Please have your Drscovere card available 3 Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 For TDD (Telecommunications Device for the Deaf) assistance, please colt 1.800347-7449 page 1 of 2 Payment Information New Balance $2.269 16 Minimum Payment Due $46 00 Payment Due Date May 4, 2010 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $39 00 and your purchase APRs for new transactrons may be increased up to the Default APR of 17 99', variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more In interest and it will take you longer to pay off your balance For example if you rriake no adddional charges using this cord and each month you pay ?as will pay off the balance shown on this statement in about And you will end up paying an estimated total of . Only the minimum payment 7 years $3,463 $76 3 years $2,752 (Savings = $711 ) f you would like information about credit counseling services, call 1-800-347-1121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bilk online and easily track all transactions Make your money worth more'" -''—find easy ways to earn and redeem cash rewards NEWI Access your account securely through your mobile phone Transactions Payments and Credits 30212729 Trans. Post Date Date Mar 11 Mar 12 MVQ'VALMAX 888-241-0049 CT 2824508698939870 Mar 11 Mar 12 MVO'VALMAX 888-241-0049 CT 2824508694756441 Mar 20 Mar 20 INTERNET PAYMENT - THANK YOU $ -24 95 -24 95 -250 00 Merchandise Mar 1 4 Mar 14 VALUE MAX 49 90 See reverse side DISC•VER- Imttortant Information ir•rrh !Ma, ,I•*1 CAP pe"Ci to th.s t'Aittri iiralereel see rhs ht-mr;tt eel haue Mr &Pr./missl i fly(rA: See your Cartirriember Agreement Y(..,.ir•h:ertrrytintt, As'iteer t Get mta rms II,C5i.".111.$c15,31./r A..atmo Lam or stolen cards. Funfri irmea 3PI,j'' Call 1400.94746E3 Billing Rights Sumniary. Crilse Er,ers 011&;;II:Hrri Abeilc Ell A y"52 ffA,F. your Ii ts wtortr, CI yCrr teed t'Apf,r; Ilelre0A "Z?:Iii;(A0I" ‘1,41tki: In as mt, srarrora 7-elect 0? p3utt, el Ora: Steh LSO City UT 54120.n-121 ascii" Cs c2,),;.Iffe climIni heu, floc- yot1 no ertc Ituofri. risys at, lc wt., sort tietm thy? tus, het c 't Nrect, 'te wet or pc:tater; et)Ottemem.1 cun et-Aim-etre et, briIi'JnccC npriiF;f,fve rfohl.,, y.)of oify. • • 'Om, and Acceuot comber The tit), entrornt re ihrt sec:et-1—.1er, Penr • Dt-stmecrtre the errn and tly.p.a Cnn Cnn wry Yttha bel ,s a, ant I' ueed 'flute ,r'orroarttat dee:tette the cerr iCr cc 11,1iv, a? 1.cti no,: Nee T pay any irlairi n ,V1 arr., nYos!,,o!,r,s, i41 I on.4qated mc cnn the ne-n tLi err,,' LI 'ha, ;Act not re onnasii an WinIm. wi nynifrp!,n'OJ,' AV 1-..."Lr'4 fa; ,A", del nAtlei ; I, tette arry t.ertautt to veCtect the arid, yemo dmrettkon Special Rule for Credit Card Purchases if ietra base e tottme.,1 vet' he ttitte,ry of rpottis cc sertive hoal yet: isehethesed ell ciciIthI ccci ill yob t ere?. l"al cpad i.3ab to r.7iviv-il Inc or:shire:1, bath Imic mrachi•lin r:arc Innay nere nla nq cc ycEin, "Cu Inc 5es pfni,soni,n1, ;Ay parc•rase h ti,a^ 4,0 V:AS za,? nn'yv,nnc, 11; f `i85 tA. yoi,r Of ,43 otet, opecata. e eye you the euemessehttra sooudee dter.reses. ere r.rettered roaamti tees eitho sundacc'. at cut uutctnti, Payments Send Nip Nymew tCc) ITS stotteitss, cc the erre,r'he r.,;CIA;!',,faJ Co rot or mi tt,-;.Fit Cc sehand yolk :Theca, as hlettethed above, pad atm irfir CO le: tc '44:earl ; tre 51;c:rt., ,rt, humor ode:et:tot cheek ' ,h)v,1?-,r n-'nn Iva pa7meml ttrueessed Ati he her the ectau^,, 0' 'he rttteett tPt't er wet uee t'or'11Ake ..i!e:rIrCql,S, f.ift rfrtrer 'arias ,Pely •I!!, the vkr q.r.55'Ve yri,r i,;;A,A., 1,5 yoiA ?si araal "roS., tirtsi.iy.ri ytAlf piryneml r"r he Pe-cyad ea ere s; ,emen yotreetoudettsie on tile 1,e'mr, to ookr pay-.',oat. I ace .yor, an-i's-i': cc coy'S.- arktmetam to, t' ytem use or eh-vett:teem:dos tc-mey ete die. oho, Poyoioots val 1" p AV' o c -. fat..!ly by 5PCt,'c roe 0, day ea, ee ic.het: ty tyr;at Autytirc ut Ues Pays rst: reOP.C555.r.) •iNy wi! Cc ssiroitod Ao-ourt ,,cc nt3., clay II po 53vo f3st oweio;r, newt ;or, ;:ayrnc,' la 6,0s Srrr,anl Pmattett te,L•ti 7 -10 tuf deve,y yo .; r pyraint ifIrre.e, rf;11, asuor, sx, ray yotir riammar, itx ;rim orac alear AV- te tri; at 2.,•••4•J yper, mitt, .4:tett-tea ye,. hcrcC a•t:eifil 1121,00 ?rib ,1:15f 0.5tAt, Pot xnclCneccl ads aro r yr-at brhrt rInc ttl kuesavehs mc' oomph:vett LI P yrw c,cI,p. 7,91,cd toi c•-•o.rqjf` firee; ::;3.21!I CI yam tiCCO,II.I .i.,•1[ ZIP (-ode itry e'sterUty I ',se 1411,fli,I, ycs rcoX5ccic C slit, ottac. et) kt thts atalturmtetath Arm, Is e ttout tmeott 5; tiedat.:1 each pem,,reetot pa, xi_ teor2e. F-ra• 'yap b3rk act:olio! aritt ritioto c, c,-nn bar ;ic t-i,:zi.oufit Cc icy r.:3Sitt ts, carrxti mc') ano,:is,i, '19 ot ssch `On, try s, tr,t' 1,1.3, airou ,7 of 6311, i.ayawai ca, seiar, oi 'tit e f':1;r1mrtm PoynPrII DA(' netl..A iin dor', staletwe , Wtt oem, oerste tt, ps.yrherr mc, thes, reee ee rtetmce Itiesi days , a,,varics of pdyiriart Yoio (say oo,•fy tot tiy :tone .54T 2083 try rtte at re hUrrest; ertad to tree ;ht.:mous reraytrapt: I, iiaprearils t a ir 5r,M1r !r.,; yrta rt steer: moutturly ,tittte.mr.ot tsctits yora i..t.tryrrs'ert tre 'rade tmi 1,),,o ow', 1 yid; nn "nir pyrncr:1 amitr 11 may :ecu i.rtiterrosi !0tP iy 'i!.mid F:•,-;yr rails aop Idl tsi Vrlf: eyrce, Credit Reporting ',tie may reixat .yianr,I:CIt5",/,IfrAire... LAIC ccc rne',5S PAyrkri'i OtII"ir y0Ar 1:x7- ov3e.131: ti yew,' t19,1, Triort 923 Inch stot htFts,r/ Of yz51: ksaohot to 'vett, rary,thrg tigaceres ctrtmott T'art-. I yoi: {IVl rA., reel 0 hAecturekt ic nee' rt'•,t,ta please tohts cc f ,0•1:;•.V0:: ',."Ir5,5 Cori-n 00 eoy, ,9,315, ...'v,r,A1,2.0, DE lar95ti fi3toi Reese tte;:titte yier ;Kti Grace Period on Purchases (at feast 25 clays). We aer:," Peno75c ciancie Cl.aiges sh asch.e„te I Data ttiki •wisaoiro yow ty., or, • carraior post.d ,r3Yoits Anc-cccmrc a'ail Vito olirro a' the tt (5-ID) t CX*.t1r5 n. ivinei cocci PCPC,dr. Charaus c lee' ' sac', et, 'huh the t'ret tlay b I ''' r paytaa yaiir k:oaar! sor • ije. n otr.v.!POr Finaribe OtHertmjes ote., rth. do'e P41,1. New mAe sny,e, On you Moitl staisr !cot t,y otato,,g ?arter rc,c014o9 ^ic,mver I9dcr ucICICE,- Sec BAIarlts ;Aev•niie St3taricitot Liy cc Paps:), r. Dale .9,1i;i3 or ;hat ioa staqiiment or:4 P3riod$.7. Chartias on arbie P)r,,aTarri MCI f /51 iiPc.N1rN., r'r TI17:11'5i,1",IPO'il,", fritinn or 2 fr,:m RAI C=1:15e p.a.:11)y; the Payr thme Date ort you,' tumirteml lt,em to.. • m'ttatit.td 'm istatett,,, ter:tete-, ttesh edvdc,ett A; 'rote ,til.y destrberi n the curl i:-.- ot ydtmm Carrick:otter Ades's:terra htis.ri how We Apely P.,:yr'sonts w.,nrrally bat,iNi an the Ascrett Farr:cottage Rete apes, rote ttte ttek.m.reort it. yo; aa ,i.,...,Ne.aad1;:e on tea ott Tart ottctg ete'tettethMt., Puytoecm.1115.C.,34..e Ir I 1,:1 t.tt stutterer, thrat re4oreohig un the etrory, I. your poitheht ,end the Alit-.ca! Pe Y,ci. itar Ratas OrI y,:to tray not get ; vete rte od 1rases Minimum Finance Charge 'No cci criarpo ter,,,F 0,1141;0'1 FINANCE CHARGE of S ,nr:r7ny ci imp ;irr .414 tu tylch Sc-nm-,' CI Ives titer, f,,,,DA41'1'le,0,:i hc Annual Fee if •ftt Aittnum, ..10 s5 3.c , ki I Pfi It!P r cif yUAI The 9 11K, ,Lale,,,9( whe, e t•.c hmhor o rehridz.0i,5 y(S1:: rirr. tnnl ct'y ?VI' I'jO,cc'nc,-.'ccc.cm'ecciciinccll'n.,r''OC Periodic Finance Char OeS 4Ve scat your hartrmttertens mite fmetrhe,y, lId, atit,mmtom.., amiti a cc her, fK1:1 ycri go,•-k, ay in-I a.cn.uI f,erceMa,-Ja eACA,IpiO, pirj'Esus -31e ad cii.echoscs sirti!).e. to a :leant:ie.-a •rttc, emerd re ;upstate. gretuos 'y'le oi3,a tumilcainc gro,axs as t zrsar' Mrsosies Al tht-ttutri ultememeo em 1 re'"0:01 ck,A,A.;;V:. I .F:I.FArtA.: ',"1 f5r errh, 1:5;/ Of IN, porr,:t fn tirIt frart5.4eAl.11,:il'CgNy WE. .••,r• •;,:a1,,:n cor,9tv,.; [et yterim tthieatteut eetm,y,emt, tkoaraas Daly urns 133yo n lvoc.3,3 1.1,3.1y Ionic kats1 Yu,: troy du tu Fuota tyte t'f.hatm-,,c. Soma; car- you dm tee; star:-rued Th0rI ci cc-' phi'..; 11311CF: ror 1,At tst,to,:ory rovro CAyr,st,.. ,cc-,cy Bilaw,r: .5I'iW11 "a,:sa 1,A,1')11 2e, oar Frianen Cha.crias :poly lo the. I:Vara m r••ial).aiN R-ite `1,,,,X,I5,r,ei:i.iirlmjilerilL,11 Pelehiti;ip Hu'e We use hre. Average Saz.,,Le reit:A of c;31s.ilasr che t,A,3f1;:a ..1501:1.:f!,JA 1,13o,se Chz•rqes t:oit,p,it,a heir. ki,eiratie Dal' Da :I (zit), trtris3rW,in ,taii,gory r•••.eIibi-:looms ri roc pared b, tmrsat-,c,, t-,i3lcapy ood 1 to ena ' total lip ihe edfltre cc ys b I ri;) tior rad the daily heorlde for Emott trshist.,:hei acl erech day by Ins &d"' '050,0,43 .1.17 5I'Ve0e5 fJ A,' .5 ;Ial,SACJAT55,5 Ira, saran' dap 5e:c,,INTI OYI y(rdt t,1,15g tritoss !,raot,ai,licr, s postro F,,i.rrAaori.' 3,33 the of.ca, 1.11 b itt ;Kt,i3V wric-- .1 ' o Gam, elr2 ''fr1,5ACtief- 551'1 be i•itlea •hPtic Saixist? rt, SI the rtta day O. the turt rpot,tti ri milan I mc ytastite tm•., yr Atottad resi bla.hicd Sal mly a c tonna c Fria co ,,,,:crued Uta ,rsnioot,, (toys raly 3.3y c,o3is 3'11;:iaymotiys It,31 xi, anr.,I NalisC hat:alai tri. Stir 0, ',Achy ,n 5;:i5I en Si ba '3,rV r"): tIse day itta Oat IA 130•242,/29 day s dect, hetetet,t. tc terse tett :90:0 tem ettteto !manse:tort otttretlery term CcnlecIccceclpcne, cl0:1,51,S trel'e);;,frAil A'c'5,55 01,rti Wu' ACN,.1,t as, ,:xetpri tha cra;,,oi Casb Adva,rc Transre...m, Fee naraai .amee are ilacluia irt 'be atti.ti,,,31ti€ sae, lia"strlrft Sata9i3ry 3,3 Da Par13,jo, ,=eet 1- cid oce are xidsol to 'l's traris!,.a trals3clion For TO ITelecommunicabons Devtce for the Dealt assistance. please car( 1-900-347•7449 Di(i.,oxer flay irc .A,e5.1,.:A CAril 1,:rie.:q‘Ore can Discrva reLnr,-;5e-,In,ave•.; ty rxgoilse,, Al. '1' C2C.'1)Th:, carTi 'c-mo Bank Manihe 1.. DISC VER - !t pays to DISC VER TAMSON M DORSEY Account number ending in 8025 page 2 of 2 Transactions Trans. Post Date Date Merchandise REVERSAL OF TEMPORARY CREDIT Other/Miscellaneous Mar 17 Mar 17 IDENTITY THEFT PROTECT 800-347.3089 UT 9 99 Apr 9 Apr 9 PAYMENT PROTECTION PPD 1-877-883-1959 20 01 Travel/Entertainment Mar 14 Mar 14 ECONOLODGE WILLIAMSPORT PA 123 52 Mar 16 Mar 16 VIP FITNESS MECHANICSBURGPA 29 99 Finance Charge Summary Nominal Other Average Da !Iv ANNUAL ANNUAL Periodic Fee Daily Period ic PERCENTAGE PERCENTAGE FINANCE FINANCE current billing period 31 days Balances Rates RATES RATES CHARGES CHARGES Purchases $2,289 68 0 03559% 12 99% V 12 99% $25 26 $0 Cash Advances $0 0 06573% 23 99% 23 99% $0 $0 V = Variable Rate Information For You Share money, not your credit line Quickly shore spending money with those who rely on you The Current(SM) by Discover(R) debit card has customizable pending limits E. $0 fraud liability so teens can't overspend or lose their cash First month FREE (up to a $15 value) with Promo Code SM410 at CurrentbyDiscover corn OfFer expires 5/31/10 30212729 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER' DISC VER New Balance $2,298.84 TAMSON M DORSEY 753 SNYDER RD COGAN STATION PA 17728-8412 Minimum Payment Du $46.00 Payment Due Dale June 4, 2010 Address, e-mail or telephone change2 Go to www.Discover.com or print change in space above e Account Number ending in 8025 Enter Amount Enclosed Below Pay online at www Discover corn or make check payable to Discover Phone and Internet payments must be made by 5 OOpm ET for same day posting PO BOX 71084 CHARLOTTE NC 28272-108L 000001986458557435175022988400000000004600 Opening Date: April 10, 2010 - Closing Date: May 9, 2010 Discover More Card Account Summary Account number ending in 8025 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Finance Charges Other Fees 1 New Balance See Finance Charge Summary section for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $2,269 16 25000 + 256 58 + 0 00 + 0 00 + 23 10 + 0 00 $2,298 84 Following transactions $3,000 00 $701 00 $800 00 $701 00 You may be able to avoid Periodic Finance Charges, see the reverse side for details See transaction detail For a description of any fees charged Cashback Bonus" Opening Cashback Bonus Balance New Cashback Bonus This Period + 2 26 Anniversary Month September $ 7 58 Cashback Bonus Balance $ 9.84 la learn mare Ono m atwww.Discover.com and select Rewards 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call 1 -800 -DISCOVER (1-800-347-2683) Please have your Discover5card available 3 Write to us at Discover. PO Box 30943, Salt Lake City, UT 84130 For TDD (Telecommunications Device for the Deaf) assistance, please call 1.800-347-7449 page 1 of 2 Payment Information New Balance $2,298 84 Minimum Payment Due $46 00 Payment Due Date June 4, 2010 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $39 00 and your purchase APRs for new transactions may be increased up to the Default APR of 17 990o variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example IP you make rto additional charges using this card and each month you pay You will pay off the balance shown on this statement in about And you will end' up. paying an estimated totof of - Only the minimum payment 7 years $3,528 $77 3 years $2,788 (Savings = $740 ) f you would like information about credit counseling services, call 1-800-347-1121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth moresm—find easy ways to earn and redeem cash rewards NEW' Access your account securely through your mobile phone Transactions Payments and Credits Other/Miscellaneous Trbi MtUiFAnt Trans. Post Date Date Apr 17 Apr 17 INTERNET PAYMENT - THANK YOU Apr 18 Apr 18 IDENTITY THEFT PROTECT 800-347-3089 UT May 9 May 9 PAYMENT PROTECTION PPD 1-877-883-1959 Apr 16 Apr 16 VIP FITNESS MECHANICSBURGPA May 3 May 3 GENETTI SUITES LODING ME WILLIAMSPORT PA -250 00 9 99 20 27 29 99 196 33 See reverse side DISC•VER- Important Information ,e,11 1 Tore P loOh I. os pylaleinerl rnoy! lot) bnnk "1- "i i'opy or&Ai ono!! oh' See your your Crirdmem4er Agreement. Yn'ii Agreen e I va,ta ifs al the iasoti yOur Ai-dato Lost or stolen cards Pepta' on-nr,d iely• Call 1-600.34746,33 Billfog Rights Summary. 111 hoseS EroYs Coesheris Abota E;!! !' yod th to vox !s waardp, ! you !'Sed riere 31a0n3 0 ain'to a g.firsairdet or! yovi tyl vein ,? 0£1;•mraza pagtn PO BOX S. FL Cite LiT PA 3f)41421 ar, Sad^ 2.5 00500Y0 0100I.11E.0, f10,11 0: 031,'01 ild days aliar scr if on 'os! 10 ere), p9,,..tA011 e331'ine:1 '/oiledIA!)e lad!.iicrog ante I nct preserve yoo, righhe yon" Olen '.!:! da Vc.vArg in,o,rwion • '331r "aoad aid /fa:Loon! diffbti: • The dral ar 0000 .101 01,1110yos:riaciari error • Dee:net*: the erre! a"J foga ri y!:‘,1 Cof1 "tehy to etre .ss error Vs. oe ,re!'s n'orroahoo ds" 31103131011o are !neve ardadi .nt, 31, "V!! a'Y 3'131e'1 !ill le 30' ru,ds1.?..aim.. N.11 yral s,tif c4;).10:15;-; 00 pa/ this 03'55 ri"c !!) gdeeintr) Wink!: era !o!, ei ()gaga '1011, wi..! as dial nin0!!! C iafe. airy „OleS, 1114arionn y0i.. ie, -410r1 Special Rule for Cretin Card Purchases !f!foo tie)ye e dal' ,,hie!i'",! 1,1 (1 dot:: oi 5e,0a0"Ie, the, yo, poicriessed 11 3 '.0-1 0-30' 0,,dycK, t g,,i.411..4. the tvenlea) WI) lie yow! fray da. have id day 'o foola n on amoird cloy, 10, ido .o -la or sc aeon "CO how: 'his 0611e.e.;*1" rily who f.no p!.ocoosa n year) ,0f31•311)ad! 117, the e,,r: !neje i„,3„,!fx,yra,s'y,!swido 1 aAiresb aae: ti.)eoerai, n10131,0e soeeIstrpt,:j lei aeodo a!! sre,ifei 1111.0,ch5505. a,y) rawerred Y-",ai"31eas of -"la eiloadril el Dalton .13'S "1 Payments liend on's! ?dei payraeril add IN 103 00' :31 .5 0-4 idathinaro' ;i! ineryaneenoDe DeCii.""ej Do nol oy 33,311 Be tarn:had yew' inlishdc as -nese fned above:, )red aidOof lo :lee fi,JIIrra.):1, 'reb.ir Cher k lc nt,I60,5(11•CY0A.:" I 03 000,1er e itIet e.o.""111, 1 '1,011110,11°ininnhoei, "he "ii'":ay 0."?.!! hyroiie tie) pyrraitor h proce.esed as r 5750trrIstebu `of line irn-or‘5,K Weer' lee "...,Se• 1-106'ns';'''''Or1 lo!naie ao en:Tr:on hati inaoVe, ',10055 nay r.d Pool vow af.t.istr!!! as 4i:on as 11‘? 0-0"'' 01 W1ooe yiha 0,..yrt oral I'll fincane ydri fe0iP Vag f!eaParIlin.r50.,tgai ,.todr payrfeol. oday ae doediyed fr!„i nay!!r; !tato') 31"01,31j'0'5 - or lifieof) earn !oar portent, if :eon! 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(AVE I/../t1 Y51 De 1JI ng Oa ins syediorii:a Son tr.! .A.iN e1 k: dee:dot each pay o!,;r1t gna!--/o fon 'yap- acco, rt. .113 5-1,3,41,0' ,51,311.5S r'51,J ItS 1313e0,r1 10. 5"" itairry) :Of Lif) wc•r iP 1,0 drodass 50ea i:‘0,••••,5,01 5",1 101 0, Oart ;315115.: .1 10.',. Cl' n e 1)!To tr01 1• Do, cy- , Yea 115'11 e p,yoteor hylerriv., yids Inas, roan ee notice a ees! ,a!ao liced!oss ,0 5I 01'3 '00 of ',fn. sera-3,as vt 53.1" "1 Yo Ii ary onl-fy ;A ene 01 !!r.ffift S.41 A:83 0, ter' I..3 I /517 0 1.4d.1 -,..ss roe 10, 0', rordorapfF'yC.4hop-dr:it,sir 50,5'' t.4 'PI yer.t r.-sacr) ni!hc, rhetlry a hi I -ow mood I 011 114 'feu arlearna!le payadart arnooli may ho, ,5;s5 d.ric ,-,t1o5/155d ,ory 15' 0,18,1p,V, ctddi's a!!!O Credit Repotting ,r1-.1 11 b Line urr,rrne,:s i'1.1-1un,5; ('I' -r d11,,,,);.5 or 4' '10').', hu , 'onao. r» -pal 51;3115 add tayoorn i-oiaionir of liZ,Uf "1.1':5,14!Pc,r1rp '1110 10, eon,- ost.-do f tx,Ii005 thrA aore„,..orale .1, .013 us s .Sj,t.ss Sox %QV.), [30 'IriC:51) 0i31c, Pleatee o,o,dr("e yo!)r n yr se. odO:eas haoe leo4fhore neMtier del Grace Period on Purchases at least 25 days), We ciente C.,.srges ot 5 :Tel II ur [.'l' 0,,,•r.61!,,,,eD,T s/1/Oil tr, va!rener o'Ir' s oadhadisdo por,t,d visit) Aori,a) alnr etr1,5 CJ' tee I) e1F.'"ir,,I 'xi) et! ordr. an! poft,,, Cel.Sei,.bgilel i'1100,5 Penodr.Cbr7..5 C 'I thal Por 11a '-uo: Jay rrr 111P 1, I •13 prirtc,' Wa.r.h 5 p0qr.,51`u yudr r"''"31r001 'Ode to n ;nye Per ...Or Foaire Clofrrie!) 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Paynon: C'30 1',3,",1050'/1011:1 • Ihno (14ordrag payo,col end Iho al Po !cc tip Ratan on 01'101 r.,a 311.'r/'y oat gut a Cl ad or lots dardroases Minifdruni Folance Charge ,,,a6,,,om FINANCE CHARGE 5 0'r*;?1',1x10n F k"ss S waott nallanyynnd bin "0014' 31 Annual Fee „ , .„ 3 rp„ , e„,1t, h pa at hog!, r g r.,11'''ee4ear• yir31 I5 ',keg The ,"'" Fne olareownd when if P e oe nodoa! ice ,s !!!rd retaadrible idn eat yod !y L) yc!ii :fast recfae dcfr,,C,V dale '1010011, lqad Yi• f ,gaif C7;rd at1,10 e10, Periodic Finance Chooses We:far yc!!!! afonachons p0,,YID•te and 1:,,snts tr,xiskrs r stet ft!" nef sarlon4 :Uhl"!l fl:4-; 31500-10 I !di An nag Pero fridge Rafts f ea0,:lpf.port l'oses s5,r4eni d ,1 1I,..1011 -ale a ,1 oirohascs Funnu,1 ralf)!P01041 10Se03,01',1groope Vi!to ir! is.)i tor ihnso goifpn Iixsar, Lip!! rt !et ChAt":i-.5fe.',•eileh, lay of Inn la!!! op perdsd fa! Il"0'i50,01s,50 00'cp31 OW. •sc Vowing iarhaf Nor)131 cerodult! 'root% once C.Pergey each ionsacton craiegdr!, !So:wade Daly F50.10eUe1 101,00 14309 n times lUaly Period .n,1,531o1 'id, [my 'du tr.: 1hr.. f-r.s os ao:K. SzdIrr 'y or you 311,,:r stir:lemon!, 13, hose andohnis Then wan ard'atd r 0-3,10111: torld; !D! Lich 1,1,, ,,,,!4clir_)n crricr:oly lc) idol k)111. PP,..0;100Poanno Coax:do, ho icor Accodal Thi1.4Y0e0c,", Bail'irdl 5 010.'4 05 ,1008,55( nn 210 0,11 rr,,•.,no C'o'D-os ,p0y IA bear.sr. oi drg Annda! lliernealge,R,y We use the Anerage pat"! Sa!andie ticite '1001 tr,s-sa.:!,,,a) "Vied cl caltdrienrg the lianinee ;door: .fit!oh ova.ase Penctind 5,0001010 11hydr-4tra con'pote il•fe.to'erade D?Cy Oda: co Pa oath on•dadycledo -1 311 ;IV.; Ri1dilg a11'-uIiL/5%.0,ICT.15 r, "II ric hanod for o onrsee-,,co catcatrof and J s non IcANI ti r,IJnoo o!ilays e! 10 111 ge,asd .• .„..e7fel.ff lip clacy "14,100 110 0.,0011r:a14o.rt r.,...k:ocrsi eel, 005 VI ho' de! the. `01510,030 575 1,^c, ,'5 -'u011 -,'1.s -o, a Ora' santoo Eise n!' Ma' F'1OV:11 4:;=.5,2:nE,nt 501055 III0 :1'30S01.11ICII1 p0Sica1 I.:5 rr acmdir oho! Inn &aid iro b !!!nd acorn' !!" ter!nt! citncr!)! o ( ri35,1 z•maci!or he added 1.„J Iv t,,a'a ,,„ {,1 the ret ddy of IN) tarOW wrIncn s d, 'fair Atiandri` ,ees otiort)ed :dal rlyry ci Perfdrin Fria ce (..tlifuju5ocoed do ts,e ,re'irus coy., ea!!! taldote) tho1,13.61I,L,:a0 I 0 Ip3F110,1,:5 I appc.y.1II I bafFnce r,r,. ..;irszoi, on nal d:n cd nf.)'III 11:5 10Iforl day o! I'd:15 130;412729 !orri:!dof ens Ic ytiAl' 5-501,0,014,Pee) !Kansa:non :A7.1 kVA, ;1! kr' 'arrs ,..;rarjod yow Ac,'nurd raa arltled iha isnanderrl pdh.f asn rrie -r.rfurpry vv•11! Thu nr Adyrrcc RN', rGoce Cdrerfa tdh d- are addea ,hd Ylfholce na"liaoldfl lance T'ar,s`sz I'antiacted ,',-f1,0,11 are etioed to ine (runsscben For TOD Jelecommunicafrons Device for the Deaf) assistance please call 1-800-347.7449 Cks.over nay. 5011,11:s'03 .;! Crord1C1OC,rnCe colts hOly:cen •,,ns, ann. Easoccor ..;;;;;:qly 145321)15- 50133010:, CNC '0 Th:, red Dredoner Psok 50n"'1c 1 D., Piltay DISC VER !t pays to DISC VER TAMSON M DORSEY Account number ending in 8025 page 2 of 2 Finance Charge Summary Nominal Other Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE current billing period 30 days Balances Rates RATES RATES CHARGES CHARGES Purchases $2,165 78 0 03559% 12 99% V 12 99% $23 10 $0 Cash Advances $0 0 06573% 23 99% 23 99% $0 $0 V = Variable Rote Information For You Need Cash2 Whether it's for an unexpected bill or an emergency car repair, Discover(R) Card can always help Get cash at ATMs nationwide or have money deposited directly into your bank account Visit Discover com/cash to find out more Discover(R) gift cards are easy gifts Dads and Grads love Add a personal touch with a matching gift card and greeting card combo Even save $2 with promo code GIFT2 at DiscoverGiftCard corn through 6/30/10 After 12 months of consecutive inactivity, Discover will begin to assess at $2 50 monthly dormancy fee 30212729 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER DISC VER New Balance $2,233.63 TAMSON M DORSEY 753 SNYDER RD COGAN STATION PA 17728-8412 Minimum Payment Due $46.00 Payment Due Date July 4, 2010 Address, e-mail or telephone change2 Go to www.Discover.com or print change in space above Account Number ending in 8025 Enter Amount Enclosed Below Pay online at www Discover corn or make check payable to Discover Phone and Internet payments must be made by 5 OOpm ET for same day posting PO BOX 71084 CHARLOTTE NC 28272-1084 000001986458557435175022336300000000004600 Opening Date: May 10, 2010 - Closing Date: June 9, 2010 Discover More Card Account Summary Account number ending in 8025 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Finance Charges Other Fees New Balance See Finance Charge Summary section for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $2,298 84 150 00 + 59 68 + 0 00 + 0 00 + 2511 + 0 00 $2,233 63 following transactions $3,000 00 $766 00 $800 00 $766 00 You may be able to avoid Periodic Finance Charges, see the reverse side for details See transaction detail for o description of any fees charged Cashback Bonus' Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance Anniversary Month September $ 9 84 + 0 29 $ 10.13 To learn mare !aa !nor www.Discover.com and :elect Rewards 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call 1.800 -DISCOVER (1-800.347-2683) Please have your Discover''card available 3 Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347.7449 page 1 of 2 Payment Information New Balance $2.233 63 Minimum Payment Due $46 00 Payment Due Date July 4, 2010 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $39 00 and your purchase APRs for new transactions may be increased up to the Default APR of 17 99% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example If you moke no additional charges using thin card and each month you pay You will pay off 'the balance shown on this statement 'in about And you will erid up paying an estimated total oft Only the minimum payment 7 years $3,387 $75 3 years $2,709 (Savings = $678 ) f you would like information about credit counseling services, call 1-800-347-1121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to ay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth moresm—find easy ways to earn and redeem cash rewards NEWI Access your account securely through your mobile phone Transactions Payments and Credits Other/Miscellaneous traQ4121774nt Trans. Date May 28 May 17 Jun 9 May 18 Post Date May 28 INTERNET PAYMENT - THANK YOU May 17 IDENTITY THEFT PROTECT 800-347-3089 UT Jun 9 PAYMENT PROTECTION PPD 1-877-883-1959 May 18 VIP FITNESS MECHANICSBURGPA -150 00 9 99 19 70 29 99 See reverse side DISC•VER Important Inlormahon !" rn-ore :ha caarn& lit:. t:nlia• 9 Me!,,e;n; t.1 bnn•n;!i o'ea,!! !,ege rot- ainHimat tflptr:7., tlf01,5A.C;•-• See your Cardmember /39r:et:meat. Cernilvaitne, ve nte l & V&J ')A—oto Lost or stoIen cards Pri:vda r &i Call 'I-500.347-2681 Billing Rights Summary. In Cna4e Emars or Oue.tiofi AbcnusY.E: I thn,r, )no,4 i ),FFsAli fan., !ear.1 more nrartra 317(1! a'C r Oif, sr earn', 3,i0C, pap ar PC! Eno>: Salf LFI,? 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Foy crodis. rtt al 3,P PC)prAFI dgans r.I•r! bahrinte a: the 'mcsaat Pagegory VA thly ca c;la ly bt.,i;nrk :day s Oa', bAloc.:_ "C. deed F:A) `1)11 111 'far Atk'etirS 0readaa-1.1.; an!criliard poit.Iasn FM. ,111,1,1,AA)131r)0833111' ed0;rna: lit, D0sh Aavd'irliC Trir For Fr r1CP.O. tvn :i* dm ;laded "483 attph_arlie ta!sh adt ence tra,sac!art category acrl 4041rde Trarsrar Trarsaada, Pee Incacce 0'01,3 es erlich are aarisa to :re aar.n!nc..able 1130s3alIc1' For Tao ;Telecommunications Device for the Deaf) assistance. please cad 1-S00,347.749 Dear:ow-1 nte‘i Ira "+" arra" :;! canna 3adr:Irene 8'0Ils Between you 1e14 CAS.f,t111,1eCFF35C1(EttiVeJ aF,Su"anc,i" pv20.54:, t...,,DrA,,Fc'elr 148rk Mlianhe D DISC VER tt pays to DISC VER TAMSON M DORSEY Account number ending in 8025 page 2 of 2 Finance Charge Summary current billing period 31 days Nominal Other Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES Purchases $2,278 19 0 03559% 12 99% V 12 99% $25 11 $0 Cash Advances $0 0 06573% 23 99% 23 99% $0 $0 V = Variable Rate Information For You This month, the featured Cashback Bonus(R) Redemption Partner is Bed Bath & Beyond(R( Redeem $20 Cashback Bonus for a $25 Bed Bath & Beyond gift card 30212729 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER j1 -800-347-2683j. DISCOVER DISC VER New Balance $2,445.74 TAMSON M DORSEY 753 SNYDER RD COGAN STATION PA 17728-8412 Minimum Payment Du $49.00 Payment Due Date August 4, 2010 Address, e-mail or telephone change? Go to www.Discover.com or print change in space above e Account Number ending in 8025 Enter Amount Enclosed Below Pay online at www Discover corn or make check payable to Discover Phone and Internet payments must be made by 5 OOpm ET for same day posting PO BOX 71084 CHARLOTTE NC 28272-1084 000001986458557435175024457400000000004900 Opening Date: June 10, 2010 - Closing Date: July 9, 2010 Discover More Card Account Summary Account number ending in 8025 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Interest Charged Fees Charged New Balance $2,233 63 10000 + 266 51 + 0 00 + 0 00 + 24 03 + 21 57 $2,445 74 See Interest Charge Calculation section Following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $3,000 00 $554 00 $800 00 $554 00 You may be able to avoid Interest Charges, see Additional Important Information for details Cashback Bonus` Opening Cashbook Bonus Balance New Cashback Bonus This Period 5% Cashback Bonus Everywhere Else Cashback Bonus Balance Sc learn mare iota :n or www.Discover.com Anniversary Month September $ 1013 + 11 33 + 0 29 $ 21.75 3 Easy Ways to Contact Us 1 Access your account securely ai www.Discover.com 2 Call 1 -800 -DISCOVER (1.800-347-2683) Please have your Discover€ card available 3 Write to us at Discover, PO Bax 30943, Salt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197.6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1.800.347.7449 page 1 of 3 Payment Information New Balance $2,445 74 Minimum Payment Due $49 00 Payment Due Dote August 4, 2010 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $39 00 and your purchase APRs for new transactions may be increased up to the Penalty APR of 17 99% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more In interest and it will take you longer to pay off your balance For example If'you Make no additional charges using this card and each month you pay You will pay off She balance shown on this statement in about And you will end' up 'paying an estimated total of . Only the minimum payment 8 years $3,834 $82 3 years $2,960 (Savings = $874 ) f you would like information about credit counseling services, call 1-800-347-1121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create o plan to pay down your balance, securely access statements, pay bits online and easily track all transactions Make your money worth maresm —find easy ways to earn and redeem cosh rewords NEW! Access your account securely through your mobile phone Transactions Payments and Credits Trans. Date Jul 1 Past Date Jul 1 INTERNET PAYMENT - THANK YOU $ -100 00 0a02447,241us Jun 17 Jun 17 IDENTITY THEFT PROTECT 800-347-3089 UT Travel/Entertainment Jun 16 Jun 16 VIP FITNESS MECHANICSBURGPA $ 9 99 29 99 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC•VER' Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadable: password proteced 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 -mall or text messages on • Print a paper copy of your statement anytime • Sign up today at Discover.com/paperless 2:0} 0 DiscosMembra FD,C your mobile phone PAPER 0310 Transactions (cont.) Travel/Entertainment Trans. Pest Date Date Jul 5 Jul 5 GENETTI SUITES LODING ME WILLIAMSPORT PA $ 226 53 Fees Jul 9 Jul 9 PAYMENT PROTECTION PPD 1-877883.1959 $ 21 57 TOTAL FEES FOR THIS PERIOD 21.57 Interest Charged INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD $ 24 03 0 00 0 00 24.03 2010 Totals Year -to -Date TOTAL FEES CHARGED IN 2010 TOTAL INTEREST CHARGED IN 2010 30212729 $ 130 69 151 03 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1 -800-347-2683). DISCOVER DISC VER It pays to DISC VER TAMSON M DORSEY Account number ending in 8025 page 2 of 3 Interest Charge Calculation Your Annual Percentage Rate (APRT 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 $2,246 91 $23 98 Promotional APR 1 90% $ 37 75 $0 05 Cash Advances 23 99% $0 $0 V = Variable Rate Additional Important Information. See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report immediately! Call I.800.347-2683. What To Do if You Think You Find A Mistake On Your Statement IF you think there is an error on your statement, write to us at Discover, PO Box 30421, Salt Lake City, UT 84130.0421 In your letter, give us the Following information Account information Your name and account number Dollar amount The dollar amount of the suspected error Description of Problem IF you think there is on error on your bill, describe what you believe is wrong and why you believe it is a mistake You must contact us within 60 days after the error appeared on your statement You must notify us of any potential errors in writing You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question While we investigate whether or not there has been on error, the following are true We cannot try to collect the amount in question, or report you as delinquent on that amount The charge in question may remain an your statement, and we may continue to charge you interest on that amount But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount While you do not have to pay the amount in question, you are responsible for the remainder of your balance We can apply any unpaid amount against your credit limit Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good Faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, all of the following must be true 1 The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50 (Note Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services 2 You must have used your credit card for the purchase Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify 3 You must not yet have Fully paid for the purchase If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at Discover, PO Box 30945, Salt Lake City, UT 84130-0945 While we investigate, the same rules apply to the disputed amount as discussed above After we finish our investigation, we will tell you our decision At that point, if we think you owe an amount and you do not pay we may report you as delinquent Payments. You may pay all or part of your Account balance at any time However, you must pay at least the Minimum Payment Due by the Payment Due Date Send only your payment and the top portion of this statement in the envelope provided Do not send cash By sending your check as described above, you authorize us to use information on your check to make an electronic Fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction If payment is processed as an electronic fund transfer, the transfer will be for the amount of the check When we use information from your check to make an electronic Fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day Payments received 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 right to resubmit it as on electronic debit 30212729 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 by telephone, you will need this statement and your bank account information You will be asked to provide the lost four (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment You can cancel a scheduled payment by phone at 1.800.347.2683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 84130.0421, however we must receive notice at least three business days in advance of the scheduled payment If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be mode and how much it will be You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U 5 law You can set automatic payments for (i) statement New Balance, (n) statement Minimum Payment Due, (in) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement It your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance Your automatic payment amount may be less than the amount indicated on the periodic statement based on credits or payments after the Closing Date If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records Amount ❑ Full Pay I II Min Pay ❑ Mm Pay + $ (___J 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 repotting 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 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 fust appearing on the current billing statement, or onX portion ofpa new purchase, paid by the Payment Due Dote on your current billing statement We call this the "grace period It is not less than 25 days There is no grace period on balance transfers or 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 beginningof each anniversary year your Account is open The amount of the fee appears on the statement when the fee is billed The annual fee is not refundable unless you notify us that you wish to close your Account within 30 days of the mailing or delivery date of the statement on which the fee is billed You will receive this refund even if you use your Card during that period How We Calculate Interest Charges ' Daily Balance Method (including current transactions): We figure Interest Charges for each billing period To do this We calculate your Interest Charges separately for each balance subject to different terms (for example, standard purchases, standard cosh advances and each purchase, balance transfer and cash advance balance subject to promotional terms) We refer to these balances as transaction categories We figure the "daily balance" for each transaction category To get the "daily balance" we take the beginning balance For each day, add any new transactions and fees and any Interest Charges accrued on the previous day's daily balance We then subtract any credits andayments 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 doily Interest Charges for each transaction category for each day during that billing period When we calculate daily balances, we add a new transaction as of the 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 (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 qualify assurance purposes The Discover®card is issued by Discover Bank, Member FDIC OiTst:t?2 30212729 DISC VER tt pays to DISC VER TAMSON M DORSEY Account number ending in 8025 page 3 of 3 Information For You Need Cash? Whether it's for an unexpected bill or an emergency car repair, Discover(R) Card can always help Get cash at ATMs nationwide or have money deposited directly into your bank account Visit Discover com/cash to find out more This month, the featured Cashback Bonus(R) Redemption Partner is Bed Bath & Beyond(R) Redeem $20 Cashback Bonus for a $25 Bed Bath & Beyond gift card Will your payment get to us on time? Pay your bill online and your payment can be made to your account on the same day Visit Discover com/payments today 30212729 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISC•VER' DISC VER New Balance 52,401.62 TAMSON M DORSEY 753 SNYDER RD COGAN STATION PA 17728-8412 Minimum Payment Due 549.00 Payment Due' Date September 4, 2010 Address, e-mail or telephone change2 Go to www.Discover.com or print change in space above Account Number ending in 8025 Enter Amount Enclosed Below Pay online at www Discover corn or make check payable to Discover Phone and Internet payments must be made by 5 OOpm ET for same day posting PO BOX 71084 CHARLOTTE NC 28272-1084 000001986458557435175024016200000000004900 Opening Date: July 10, 2010 - Closing Date: August 9, 2010 Discover More Card Account Summary Account number ending in 8025 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Interest Charged Fees Charged New Balance $2,445 74 100 00 + 9 99 + 0 00 + 0 00 + 24 71 + 21 18 $2,401 62 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $3,000 00 $598 00 $800 00 $598 00 You may be able to avoid Interest Charges, see Additional Important Information For details Cashback Bonus' Anniversary Month September Opening Cashback Bonus Balance $ 21 75 New Cashback Bonus This Period + 0 00 Cashback Bonus Balance $ 21.75 To Ivory more io9 :n or www.Discover.com 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call 1.800 -DISCOVER (1-800-347-2683) Please have your DiscoverctScard available 3 Write to us of Discover, PO Box 30943, Salt Lake City, UT 84130 (Not o payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197-6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449 page 1 of 3 Payment Information New Balance $2,401 62 Minimum Payment Due $49 00 Payment Due Date September 4, 2010 Late Payment Warning: IF we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $39 00 and your purchase APRs for new transactions may be increased up to the Penalty APR of 17 99% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example IF you make no additional charges using this cord and each month you pay 'You will pay off the balance shown an this statement ;in about And you will end up paying an estimated total of Only the minimum payment 8 years $3,742 $81 3 years $2.909 (Savings = $833 ) f you would like information about credit counseling services, call 1-800-347-1121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth moreSw---'find easy ways to earn and redeem cash rewards NEW] Access your account securely through your mobile phone Transactions Payments and Credits Trans. Date Jul 25 Post Date Jul 25 INTERNET PAYMENT - THANK YOU $ -10000 Other/Miscellaneous Jul 18 Jul 18 IDENTITY THEFT PROTECT 800-347-3089 UT $ 9 99 X212729 Aug 9 Aug 9 PAYMENT PROTECTION PPD 1-877-883-1959 TOTAL FEES FOR THIS PERIOD $ 21 18 21.18 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 a to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone • Pant a paper copy of your statement anytime • Sign up today at Discover.com/paperless ,62010 Disan:e= Bunk Anembet FOC PAPER 0310 Transactions (cont.) Interest Charged Trans. Post Date Date INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD $ 24 71 0 00 0 00 24.71 2010 Totals Year -to -Date TOTAL FEES CHARGED IN 2010 $ 151 87 TOTAL INTEREST CHARGED IN 2010 175 74 30212729 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER' DISC VER tt pays to DISC VER TAMSON M DORSEY Account number ending in 8025 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 $2,212 08 $24 39 Promotional APR 1 90% $201 45 $0 32 Cash Advances 23 99% $0 $0 V - Variable Rate Additional Important Information. See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account lost or stolen cards. Report immediately! Call 1-800-347-2683. What To Do If You Think You Find A Mistake On Your Statement IF you think there is an error on your statement, wnte to us at Discover, PO Box 30421, Salt Lake City, UT 84130-0421 In your letter, give us the Following information 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 riot 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 an 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 on advertisement we moiled to you , or if we own the company that sold you the goods or services ) 2 You must have used your credit card for the purchase Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify 3 You must not yet have Fully paid for the purchase If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at Discover, PO Box 30945, Salt Lake City, UT 84130-0945 While we investigate, the same rules apply to the disputed amount as discussed above After we finish our investigation, we will tell you our decision At that point, if we think you owe an amount and you do not pay we may report you as delinquent Payments. You may pay all or part of your Account balance at any time However, you must pay at least the Minimum Payment Due by the Payment Due Date Send only your payment and the top portion of this statement in the envelope provided Do not send cash By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction IF payment is processed as an electronic fund transfer, the transfer will be for the amount of the check When we use information from your check to make an electronic Fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back From your financial institution The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197-6103 Please allow 7.10 days for delivery If your payment is returned unpaid, we reserve the rigt to resubmit ias an electronic debit 30212729 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 fhe weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment You can cancel a scheduled payment by phone at 1.800.347.2683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 84130.0421, however we must receive notice at least three business days in advance of the scheduled payment If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U S law You can set automatic payments for (i) statement New Balance, (n) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cordmember Agreement It -your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance Your automatic payment amount may be less than the amount indicated on the periodic statement based on credits or payments after the Closing Date IF you enroll by phone in our automatic payment service, please Fill-in the following blanks below and retain the authorization for your records Amount ❑ Full Pay h Min Pay ❑ Min Pay + $ Li 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 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 ail portion atpa new purchase, paid by the Payment Due Date on your current billing statement We call this the "grace period It is not less than 25 days There is no grace period on balance transfers or cash advances As more fully described in the section of your Cardmember Agreement titled "How We Apply Payments," we generally apply payments to your Account based on the APR applicable to the balance of each transaction category This means t)iat 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 beinning of each anniversary year your Account is open The amount of the Fee appears on the statement when the fee is billed The annual fee is not refundable unless you notify us that you wish to close your Account within 30 days of the mailing or delivery date of the statement on which the Fee is billed You will receive this refund even if you use your Cord during that period How We Calculate Interest Charges • Daily Balance Method (including current transactions): We figure Interest Charges for each billing period To do this We calculate your Interest Charges separately for each balance subject to different terms (for example, standard purchases, standard cash advances and each purchase, balance transfer and cash advance balance sublect 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 doily balance For each transaction category We figure the Interest Charges on your Account by multiplying the daily balance for each transaction category by its daily periodic rate, for each day in the billing period The total Interest Charges for the billing period are the sum of the 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 offer 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 OIT0a72 30212729 DISC VER pot's 10 DISC VER' TAMSON M DORSEY Account number ending in 8025 page 3 of 3 Information For You Need Cash2 Whether it's for an unexpected bill or an emergency car repair, Discover(R) Card can always help Get cash at ATMs nationwide or have money deposited directly into your bank account Visit Discover com/cash to find out more Get the cash you need and skip transaction fees at the ATM Just use your Discoverf R) card to get cash over your purchases and take care of two errands at once To see details or find participating merchants, visit Discover com/cashover 30212729 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER DISC VER New Balance $2,542.09 TAMSON M DORSEY 429 S. YORK ST REAR MECHANICSBURG PA 17055-6405 Minimum Payment Due $51.00 Payment Due Date October 4, 2010 Address, e-mail or telephone change2 Go to www.Discover.com or pant change in space above Account Number ending in 8025 Enter Amount Enclosed Below Pay online at www Discover corn or make check payable to Discover Phone and Internet payments must be made by 5 OOpm ET for same day posting PO BOX 71084 CHARLOTTE NC 28272-1084 000001986458557435175025420900000000005100 Opening Date: August 10, 2010 - Closing Date: September 9, 2010 Discover More Card Account Summary Account number ending in 8025 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Interest Charged Fees Charged New Balance $2,401 62 150 00 + 242 34 + 0 00 + 0 00 + 2571 + 22 42 $2,542 09 See Interest Charge Calculation section Following transactions For detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $3,000 00 $457 00 $800 00 $457 00 You may be able to avoid Interest Charges, see Additional Important Information for details Cashback Bonus' Opening Cashbook Bonus Balance New Cashbook Bonus This Period 5% Cashback Bonus Everywhere Else Cashback Bonus Balance Tr. ream more iia :n a www.Discover.com Anniversary Month September $ 21 75 + 3 67 + 158 $ 27.00 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call 1 -800 -DISCOVER (1.800.347-2683) Please have your Discovere card available 3 Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197-6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1.800-347.7449 page 1 of 3 Payment Information New Balance $2,542 09 Minimum Payment Due $51 00 Payment Due Date October 4, 2010 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35 00 and your purchase and balance transfer APRs For new transactions may be increased up to the Penalty APR of 17 99% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example IF you make no additional charges using this card and each month you pay :You will pay off the balance shown on this statement in about And you will end' up; paying an estimated total of ., Only the minimum payment 8 years $4,048 $86 3 years $3'081 (Savings = $967 ) If you would like information about credit counseling services, call 1-800-347-1121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth more`it'^—Find easy ways to earn and redeem cash rewards NEW! Access your account securely through your mobile phone Transactions Payments and Credits Trans. Post Date Date Sep 2 Sep 2 INTERNET PAYMENT - THANK YOU $ -15000 O324sa 211. Aug 17 Aug 17 IDENTITY THEFT PROTECT 800.347.3089 UT Travel/Entertainment Aug 15 Aug 15 ECONOLODGE WILLIAMSPORT PA $ 9 99 77 45 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 o paper copy of your statement anytime • Sign up today at Discover.com/paperless 02010 Drsenaer Ba'L Moi tAkm)b. FDIC PAPER 0310 Transactions (cont.) Travel/ Entertainment Trans. Post Date Date Sep 5 Sep 5 ECONOLODGE WILLIAMSPORT PA 154 90 Fees 5ep 9 Sep 9 PAYMENT PROTECTION PPD 1.877.883-1959 $ 22 42 TOTAL FEES FOR THIS PERIOD 22.42 Interest Charged INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD $ 25 71 0 00 0 00 25.71 2010 Totals Year -to -Date TOTAL FEES CHARGED IN 2010 TOTAL INTEREST CHARGED IN 2010 30212729 $ 174 29 201 45 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683J. DISCOVER` DISC VER !t pays to DISC VER TAMSON M DORSEY Account number ending in 8025 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 $2,307 53 $25 45 Promotional APR 1 90% $165 38 $0 26 Cash Advances 23 99% $0 $0 V = Variable Rate Additional Important Information. See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report immediately! Call 1-800-347-2683. What To Do IF You Think You Find A Mistake On Your Statement IF you think there is an error on your statement, write to us at Discover, PO Box 30421, Salt Lake City, UT 84130.0421 In your letter, give us the Following information Account information Your name and account number Dollar amount The dollar amount of the suspected error Description of Problem If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake You must contact us within 60 days after the error appeared on your statement You must notify us of any potential errors in writin You may call us, but if you do we are not required to investigate any potential errors and you may have to pay 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 an your statement, and we may continue to charge you interest on that amount But, 4 we determine that we made a mistake, you will not 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 car -act the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, all of the following must be true 1 The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50 (Note Neither of these are necessary if your purchase was based on an advertisement we moiled to you , or if we own the company that sold you the goods or services ) 2 You must have used your credit card For the purchase Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify 3 You must not yet have fully paid for the purchase If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at Discover, PO Box 30945, Salt Lake 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 aur 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 hack From your financial institution The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, 4 you send the payment to anv 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 on electronic debit 30212729 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 payment will be deducted on the Payment Due Date unless you request a recurring payment dote (e gthe 15th day of the month) that occurs before your Payment Due Date If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the last 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 1.600.347.2683 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 bilking statement when your payment will be made and how much it will be You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U 5 law You can set automatic payments for (i) statement New Balance, (u) statement Minimum Payment Due, (111) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount If your scheduled fixed payment is no' enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement IFyour scheduled payment is greater thon 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$ Bonk Routing # Bonk Account # Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payments, missed payments, or other defaults on your Account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agencies each month If 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 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 begun to impose interest charges on that transaction from the first day of the billing period in which it is posted to your Account We continue to impose Interest Charges until the dote you pay your entire 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 ony portion of a new purchase, paid by the Payment Due Dote on your current billing statement We call this the "grace period Itis not less than 25 days There is no grace period on balance transfers or cash advances As more fully described in the section of your Cardmember Agreement titled "How We Apply Payments," we generally apply payments to your Account based on the APR applicable to the balance of each transaction category This means that if you do not pay the New Balance on the current billing statement by the Payment Due Dote shown on that billing statement, then, depending on the amount of your payment and the APRs on other balances, you may not get a grace period on new purchases Annual Fee. If your Account has an annual fee, it will be billed at the beginning of each anniversary yearour 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 u billed You will receive this refund even if you use your Cord during that period How We Calculate Interest Charges • Daily Balance Method (including current transactions): We figure Interest Charges for each billing period To do this We calculate your Interest Charges separately for each balance subject to different terms (for example, standard purchases, standard cash advances and each purchase, balance transfer and cash advance balance subject to promotional terms) We refer to these balances as transaction categories We figure the "daily balance" for each transaction category To get the "daily balance" we take the beginning balance for each day, add any new transactions and fees and any Interest Charges accrued on the previous day's daily balance We then subtract any 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 Boy'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 doily 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 odded to the daily balance as of the first day of the billing period in which itis 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 otter 6 months, or as otherwise required by applicable jaw For TDD (Telecommunications Device for the Deaf) assistance, please call 1.800.347.7449. Discover may monitor and/or record telephone calls behveen you and Discover representatives for quality assurance purposes The Discoverrbcard is issued by Discover Bonk, Member FDIC 01M172 30212729 DISC VER !t trays to DISC VER TAMSON M DORSEY Account number ending in 8025 page 3 of 3 Information For You You can't beat a day of fun at Six Flags(R), and you can't top this deal -- get 4 tickets to Six Flags for only $991 Order by 10/11 /10 and visit any time before 1 /4/11 Visit www sixflags com/dascover4for99 and purchase with your Discover(R) Card Also, use your card at Six Flags and save 5% instantly -- Discover, the official card of Six Flags Protect your purchase: with a SquoreTrade Care Plan! Shop anywhere with your Discover Card and get your warranties through our preferred provider SquoreTrade Please visit www drscovercord corn/protection-solutions/warranty html for details Get cash at the checkout with your Discover card - take care of two errands at once and ovoid transaction fees! To see details or find participating retailers, visit Discover com/cashover 30212729 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER DISC VER New Balance $2,707,14 TAMSON M DORSEY 429 S. YORK ST REAR MECHANICSBURG PA 17055-6405 Minimum Payment Due S55.00 Payment Due Date November 4, 2010 Address, e-mail or telephone change2 Go to www.Discover.com or print change in space above Account Number ending in 8025 Enter Amount Enclosed Below Pay online at www Discover com or make check payable to Discover Phone and Internet payments must be made by 5 OOpm ET for same day posting PO BOX 71084 CHARLOTTE NC 28272-1084 000001986458557435175027071400000000005500 Opening Date: September 10, 2010 - Closing Date: October 9, 2010 Discover More Card Account Summary Account number ending in 8025 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Interest Charged Fees Charged New Balance $2,542 00 51 00 + 16475 + 0 00 + 0 00 + 27 42 + 23 88 $2,707 14 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $3,000 00 $292 00 $800 00 $292 00 You may be able to avoid Interest Charges, see Additional Important Information for details Cashback Bonus" Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance To lean, mate loo :n ai www.Oiscover.com Anniversary Month September $ 27 00 + 0 38 $ 27.38 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call 1.800 -DISCOVER (1-800.347-2683) Please have your Discovertt) card available 3 Write to us of Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments- please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197-6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449 page 1 of 3 Payment Information New Balance $2,707 14 Minimum Payment Due $55 00 Payment Due Date November 4, 2010 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 17 99% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in Interest and it will take you longer to pay off your balance For example IPyou make no additional charges using this card and each month you pay You will pay off .the balance shown :on this statement 'in about And you will end up paying an estimated total of' - Only the minimum payment 0 years $4,408 $91 3 years $3,282 (Savings = $1 ,126 ) f you would like information about credit counseling services, call 1-800-347-1121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan io pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth mores'' -find easy ways to earn and redeem cash rewards NEWT Access your account securely through your mobile phone Transactions Payments and Credits Trans. Post Date Date Sep 30 Sep 30 INTERNET PAYMENT - THANK YOU $ -51 00 Other/Miscellaneous Automotive 30212729 Fees Sep 17 Sep 17 IDENTITY THEFT PROTECT 800-347-3089 UT Sep 17 Sep 17 AUMILLERS CAMERON STREET HARRISBURG PA $ 9 90 15476 Oct 9 Oci 9 PAYMENT PROTECTION PPD 1-877-883-1959 TOTAL FEES FOR THIS PERIOD $ 23 88 23.88 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean Tess clutter, more convenience Easily access up to 24 months of downloadable. password protected statements • See your statement as soon as it's available rather thon wait for It to arrive In your mailbox. • Get helpful payment reminders through e -moil or text messages on your mobile phone • Print a paper copy of your statement cnyhme • Sign up today at Discover.com/paperless .12016 Menthe: FD'C PAPER 0310 Transactions (cont.) Interest Charged Trans. Post Date Date INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD $ 27 42 0 00 0 00 27.42 2010 Totals Year -to -Date TOTAL FEES CHARGED IN 2010 TOTAL INTEREST CHARGED IN 2010 30212729 $ 198 17 228 87 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER DISC VER It pays to DISC VER• TAMSON M DORSEY Account number ending in 8025 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 $2,552 21 $27 25 Promotional APR 1 90% $1 12 24 $0 17 Cash Advances 23 99% $0 $0 V = Variable Rate Additional Important Information. See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report immediately' CaII 1-800-347-2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at Discover, PO Box 30421, Salt Lake City, UT 84130.0421 In your letter, give us the following information Account information Your name and account number Dollar amount The dollar amount of the suspected error 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 an 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 marled to you , or rf 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, 1 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 or, soon as the same day we receive your payment, and you will not receive your check bock from your financial institution The processing of your payment may be delayed 1 you send cash, correspondence or other items with your payment, if you send the payment to anv 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 rigt to resubmit it as an electronic debit 30212729 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 Poyment Due Date if vour scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature. you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account You also authorize us to initiate debit or credit entries to your bank account, as applicable, to coirect an error in the processing of such payment You can cancel a scheduled payment by phone at 1.800.3472683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 84130.0421, however we must receive notice at least three business days in advance of the scheduled payment If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U 5 law You can set automatic payments for (i) statement New Balance, (u) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount If your scheduled fixed payment is not enough to cover the Minimum Payment Due as fisted on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement IF your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credits or payments after the Closing Date If you enroll by phone in our automatic payment service, please Fill-in the Following blanks below and retain the authorization for your records Amount ❑Full Pay f 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 Accounr number Paying Interest: We begin to impose Interest Charges on all transattions from the Transaction Date for the transaction shown on your billing statement, unless a transaction is posted to your Account after the dose of the billing period in which it occurs, in which case we begin to impose interest charges on that transaction from the first day of the billing period in which it 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 o7 portion ofpa new purchase, paid by'the Payment Due Date on your current billing statement We call this the "grace period It is not less than 25 days There is no grace period on balance transfers or cash advances As more fully described in the section of your Cardmember Agreement titled "How We Apply Payments," we generally apply payments to your Account based on the APR applicable to the balance of each transaction category This means that if you do not pay the New Balance on the current billing statement by the Payment Due Date shown on that tilling 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, ii 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 its not refundable unless you notify w that you wish to close your Account within 30 days of the mailing or delivery date of the statement on which the fee is bred '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 andayments 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 rote, for each day in the billing, period The total Interest Charges for the billing period are the sum of the daily Interest Charges for each transaction category for each day during that billing period When we calculate daily balances, we 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 its open We will send you a refund of any remaining balance of $1 00 or more atter 6 months, or as otherwise required by applicable law For TDD (Telecommunications Device for the DeciC 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 onTBK172 30212729 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER` DISC VER Information For You When making payments, please send a check with your payment coupon to the address we provided on your statement This will help you 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 Need Cash2 Whether it's for an unexpected bill or on emergency car repair, Discover(R) Card can always help Get cash at ATMs nationwide or have money deposited directly into your bank account Visit Discover com/cash to find out more Get cash at the checkout with your Discover card - take care of two errands at once and avoid transaction feesl To see details or find participating retailers, visit Discover com/cashover 30212729 .ilohA_3:45rgk 6RMATTON DISC•VER` DISC VER New Balance $3,008.79 TAMSON M DORSEY 429 S. YORK ST REAR MECHANICSBURG PA 17055-6405 Minimum Payment Due $61.00 Payment Due Date December 4, 2010 Address, e-mail or telephone changed Go to www.Discover.com or print change in space above Account Number ending in 8025 Enter Amount Enclosed Below Please make check payable to Discover Card You are overlimit Pay the sum of the monthly minimum payment plus the overlimit amount of $8 79 PO BOX 71084 CHARLOTTE NC 28272-1084 000001986458557435175030087900000000006100 Opening Date: October 10, 2010 - Closing Date: November 9, 2010 Discover More Card Account Summary Account number ending in 8025 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Interest Charged Fees Charged New Balance $2,707 14 100 00 + 343 45 + 0 00 + 0 00 + 31 66 + 26 54 $3,008 79 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $3,000 00 $0 00 $800 00 $0 00 You may be able to ovoid Interest Charges, see Additional Important Information for details Cashback Bonus' Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance T, learn more tau:n,iwww.Discover.com Anniversary Month September $ 27 38 + 0 83 $ 28.21 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call 1.800 -DISCOVER (1-800.347-2683) Please have your Discovers`card available 3 Write to us of Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, 11 60197-6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449 page 1 of 3 Payment Information New Balance $3,008 79 Minimum Payment Due $61 00 Payment Due Dote December 4, 201.0 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 17 99% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example if you make no additional charges using this ':aril and each month you pay You will pay off the balance shown on this statement in about And you will end' up paying an estimated total of'• Only the minimum payment 10 years $5,061 $101 3 years $3,649 (Savings=$1,412) If you would like information about credit counseling services, call 1-800-347-1121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth more' .......find easy ways to earn and redeem cash rewards NEWI Access your account securely through your mobile phone Transactions Payments and Credits Trans. Post Date Date Oct 31 Oct 31 INTERNET PAYMENT - THANK YOU $ -10000 Other/Miscellaneous Travel/Entertainment F30212729 ees Oct 17 Oct 17 IDENTITY THEFT PROTECT 800-347-3089 UT $ 9 99 Oct 20 Oct 20 GENETTI SUITES LOD WILLIAMSPORT PA 333 46 Nov 9 Nov 9 PAYMENT PROTECTION PPD 1.877.883-1959 TOTAL FEES FOR THIS PERIOD $ 26 54 26.54 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 1t to arrive in your mailbox. • Get helpful payment reminders through e -mod or text messages on your mobile phone • Print a paper copy of your statement anytime • Sign up today at Discover.com/paperless :2010 Diernve: Lank Memb , FDC PAPER 031i) Transactions (cont.) Interest Charged Trans. Post Date Date INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD $ 31 66 0 00 0 00 31.66 2010 Totals Year -to -Date TOTAL FEES CHARGED IN 2010 $ 224 71 TOTAL INTEREST CHARGED IN 2010 260 53 30212729 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683. DISCSVER DISC VER !t pays to DISC VER TAMSON M DORSEY Account number ending in 8025 page 2of3 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 CAPRI INTEREST RATE Purchases 12 99% V $2,862 78 $31 57 Promotional APR 1 90% $60 64 $0 09 Cash Advances 23 99% $0 $0 V = Variable Rate Additional Important Information. See your Cardmember Agreement Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report immediately! CaII 1.800.347-2683. What To Do If You Think You Find A Mistoke 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 an 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 Dissotisfied 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 dueon the purchase To use this right, all of the following must be true 1 The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50 (Note Neither of these are necessary if your purchase was based on an advertisement we moiled to you , or if we own the company that sold you the goods or services ) 2 You must have used your credit card For the purchase Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify' 3 You must not yet have fully paid for the purchase If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at Discover, PO Box 30945, Salt Lake City, UT 84130-0945 While we investigate, the same rules apply to the disputed amount as discussed above Aker we finish our investigation, we will tell you our decision At that point, if we think you owe an amount and you do not pay we may report you as delinquent Payments. You may pay all or part of your Account balance at any time However, you must pay at least the Minimum Payment Due by the Payment Due Date Send only your payment and the top portion of this 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 anv 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 ias an electronic debit 30212729 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1-800-347-2683 Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment date (e gthe 15th dov of the month) that occurs before your Payment Due Date If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the last Four (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature. you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, From your bank account You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment You can cancel a scheduled payment by phone at 1.800.347-2683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 84130.0421, however we must receive notice at least three business days in advance of the scheduled payment IF your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U 5 law You can set automatic payments for (i) statement New Balance, (n) statement Minimum Payment Due, (in) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement I1 your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance Your automatic payment amount 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 + $ LJ 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 narmally 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 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 oni portion of a new purchase, paid by the Payment Due Date on your current billing statement We call this the "grace period ' It is not less than 25 days There is no grace period on balance transfers or cash advances As more fully described in the section of your Cardmember Agreement titled "How We Apply Payments," we generally apply payments to your Account based on the APR applicable to the balance of each transaction category This means t'tat 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 beginning aF 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 un that you wish to close your Account within 30 days of the mailing or delivery date of the statement on which the fee s 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 cosh 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, odd 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 tilled "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 Chaiges 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 atter 6 months, or as otherwise required by applicable jaw For TDD (Telecommunications Device for the DeaB 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 o1TEK172 30212729 Questions? Visit www.Discover,com or call 1 -800 -DISCOVER (1-800-347-2683). DISC•VER` DISC VER Information For You When making payments, please send a check with your payment coupon to the address we provided on your statement This will help you avoid additional interest charges and/or late payments, as it can take additional time to process and credit cosh payments and payments sent to a different address The Additional Important Information section on your statement provides specific details 30212729 ca I 8-DS�C��E oefiNn16SRMATION DISCOVER DISC VER New Balance $3,016.43 TAMSON M DORSEY 429 S. YORK ST REAR MECHANICSBURG PA 17055-6405 Minimum Payment Due 561.00 'Payment Due Date January 4, 2011 Address, e-mail or telephone change2 Go to www.Discover.com or print change in space above Account Number ending in 8025 Enter Amount Enclosed Below Please make check payable to Discover Card You are overlimit Pay the sum of the monthly minimum payment plus the overlimit amount of $16 43 PO BOX 71084 CHARLOTTE NC 28272-1084 000001986458557435175030164300000000006100 Opening Date: November 10, 2010 - Closing Date: December 9, 2010 Discover More Card Account Summary Account number ending in 8025 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Interest Charged Fees Charged New Balance $3,008 79 61 00 + 9 99 + 0 00 + 0 00 + 32 05 + 26 60 $3,016 43 See Interest Charge Calculation section Following transections for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $3,000 00 $0 00 $800 00 $0 00 You may be able to avoid Interest Charges, see Additional Important Information for details Cashback Bonus` Anniversary Month September Opening Cashback Bonus Balance $ 28 21 New Cashback Bonus This Period + 0 09 Cashback Bonus Balance $ 28.30 To loam more log in at www.Discover.com 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call I.800 -DISCOVER (1-800-347-2683) Please have your Discover card available 3 Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197-6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449 page 1 of 3 Payment Information New Balance $3,016 43 Minimum Payment Due $61 00 Payment Due Date January 4, 2011 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 17 99% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example If you make no additional charges using this. care and each month you pay :You will pay off :the balance shown :on this statement in about And you will end up paying on estimated total of Only the minimum payment 10 years $5,078 $102 3 years $3,658 (Savings = $1,420 ) f you would like information about credit counseling services, call 1-800-347-1121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth moresm--find easy ways to earn and redeem cash rewards NEWT Access your account securely through your mobile phone Transactions Payments and Credits Trans. Post Date Date Dec 4 Dec 4 INTERNET PAYMENT - THANK YOU $ -61 00 Other/Miscellaneous Nov 17 Nov 17 IDENTITY THEFT PROTECT 800-347-3089 UT $ 9 99 X212729 Dec 9 Dec 9 PAYMENT PROTECTION PPD 1-877.883-1959 TOTAL FEES FOR THIS PERIOD $ 26 60 26.60 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC•VER Paperless statements mean Less clutter, more convenience Easily access up to 24 months of downloadable, password protected statements • See your statement as soon cs it's ovarlable rather than wait for it to orrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone • Print a paper copy of your statement anytime • Sign up today at Discovercom/paperless Mem et FOC PAPER 0310 Transactions (cont.) Interest Charged Trans. Post Date Date INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD $ 32 05 0 00 0 00 32.05 2010 Totals Year -to -Date TOTAL FEES CHARGED IN 2010 TOTAL INTEREST CHARGED IN 2010 30212729 $ 251 31 292 58 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISC•VER DISC VER tt pays to DISC VER TAMSON M DORSEY Account number ending in 8025 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 ANN (qp PERCENTAGE BALANCE ) INTEREST RATE ECT TO INTEREST CHARGE RTEPurchases 12 99% V $3,000 97 $32 03 Promotional APR 1 90% $18 75 $0 02 Cash Advances 23 99% $0 $0 V = Variable Rate Additional Important Information. See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report immediately! Call 1-800-347-2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, 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 wrihnq You may call us, but if you do we are not required to investigate any potential errors and you may have io pay the amount in question While we investigate whether or not there has been an error, the following are true We cannot try to collect the amount in question, or report you as delinquent on that amount The charge in question may remain an your statement, and we may continue to charge you interest on that amount But, 4 we determine that we made a mistake, you will not 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 marking 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 omount and you do not pay we may report you as delinquent Payments. You may pay all or part of your Account balance at any time However, you must pay at least the Minimum Payment Due by the Payment Due 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 soar, as the same day we receive your payment, and you will not receive your check bock from your financial institution The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to anv 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 poyment is returned unpaid, we reserve the right to resubmit it as on electronic debit 30212729 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER' You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling I-800.347.2683 Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment date (e gthe 15th day of the month) that occur before your Payment Due Date If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature. you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment You can cancel a scheduled payment by phone at 1.800.347-2683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 84130.0421, however we must receive notice at least three business days in advance of the scheduled payment IF your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be mode and how much it will be You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U 5 law You can set automatic payments For (r) statement New Balance, (n) statement Minimum Payment Due• (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement 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 h11 -in the following blanks below and retain the authorization for your records Amount ❑ Full Pay L❑ 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 at transactions from the Transaction Date for the transaction shown on your billing statement, unless a transaction is posted to your Account after the close of the billing period in which it occurs, in which case we begin to impose interest charges on that transaction from the first day of the billing period in which it is posted to your Account We continue to impose Interest Charges until the date you pay your entire New Balance shown on your billing statement by making payments or receiving credits If you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose Interest Charges on new purchases, that is, purchases first appearing on the current billing statement, or any portion o a new purchase, paid by the Payment Due Date on your current billing statement We call this the "grace period ' Itis not less than 25 days There is no grace period on balance transfers or cash advances As more fully described in the section of your Cardmember Agreement titled "How We Apply Payments," we generally apply payments to your Account based on the APR applicable to the balance of each transaction category This means that if you do not pay the New Balance on the current billing statement by the Payment Due Date shown on that billing statement, then, depending on the amount of your payment and the APRs on other balances, you may not get a grace period on new purchases Annual Fee. If your Account has an annual fee, 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 bled The annual fee is no, 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 rote, for each day in the billing period The total Interest Charges for the billing period'are the sum of the daily Interest Charges for each transaction category for each day during that billing period When we calculate daily balances, we add a new transaction as of the Transaction Date shown on your biil:ng statement, unless the transaction is posted to your Account after the close of the billing period in which 1 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 offer 6 months, or as otherwise required by applicable jaw For TDD (Telecommunications Device for the Deaf) assistance, please call 1.800.347.7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes The Discovercard is issued by Discover Bank, Member FDIC 0115K172 30212729 Questions? Visit www.Discover.com or coil 1 -800 -DISCOVER (1-800-347-2683). DISCOVER` DISC VER Information For You As a reminder, you do not pay any interest on new purchases if you pay your balance in full each month by your due date This is called a "grace period " You will continue to receive at least 25 days as a grace period for new purchases, except that you will receive at least 23 days os o grace period for billing periods beginning in February as rt is a shorter month Remember, there is no groce period on balance transfers or cash advances 30212729 E Eta E12 O R E ,POR,s�r�� E�SRMATION call -86-DE0,34�`-�Z�I„„J. DISC•VER DISC VER New Balance $2,985.75 TAMSON M DORSEY 753 SNYDER RD COGAN STATION PA 17728-8412 Minimum Payment Due $60.00 Payment Due DDale February 4, 2011 Address, e-mail or telephone change? Go to www.Discover.com or print change in space above Account Number ending in 8025 Enter Amount Enclosed Below Pay online at www Discover com or make check payable to Discover Phone and Internet payments must be made by 5 OOpm ET for same day posting PO BOX 71084 CHARLOTTE NC 28272-1084 000001986458557435175029857500000000006000 Opening Date: December 10, 2010 - Closing Date: January 9, 2011 Discover More Card Account Summary Account number ending in 8025 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Interest Charged Fees Charged New Balance $3,016 43 100 00 + 9 99 + 0 00 + 0 00 + 33 00 + 26 33 $2,985 75 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $3,000 00 $14 00 $800 00 $14 00 You may be able to avoid Interest Charges, see Additional Important Information for details Cashback Bonus" Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance T, korrimorn log in aiwww.Oiscover.com Anniversary Month September $ 28 30 + 0 09 $ 28.39 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call 1.800 -DISCOVER (1-800-347-2683) Please have your Discover® card available 3 Write tows at Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197-6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449 page 1 of 2 Payment Information New Balance $2,985 75 Minimum Payment Due $60 00 Payment Due Date February 4, 2011 Late Payment Warning: If we do nol receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 17 99% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example If you itiake no additional charges using this cord and each month you pay You will pay off the balance shown on this Statement in about And you will end up .paying an estimated totpl of Only the minimum payment 10 years $5,01 1 $101 3 years $3,621 (Savings = $1,390 ) f you would like information about credit counseling services, call 1-800-347-1121 Manage Your Account Online at www.Discover.com Access fee online took like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily frock all transactions Make your money worth moresm.....-find easy ways to earn and redeem cash rewards NEWI Access your account securely through your mobile phone Transactions Payments and Credits Trans. Post Date Date Dec 26 Dec 26 INTERNET PAYMENT - THANK YOU $ -100 00 Other/Miscellaneous Dec 17 Dec 17 IDENTITY THEFT PROTECT 800-347-3089 UT $ 9 99 Fe30212729 Jan 9 Jan 9 PAYMENT PROTECTION PPD 1-877-883-1959 TOTAL FEES FOR THIS PERIOD $ 26 33 26.33 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC•VER Paperless statements mean Less clutter, more convenience Easily access up to 24 months of downloadable, password protected statements • See your statement as soon cs it's available rather than wait for 1t 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 ,:20 1D t`)i<crr+9; Lank fnembei FDC PAPER 0310 Transactions (cont.) Interest Charged Trans. Post Date Date INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD 33 00 0 00 0 00 33.00 2011 Totals Year -to -Date TOTAL FEES CHARGED IN 2011 TOTAL INTEREST CHARGED IN 2011 30212729 $ 26 33 3300 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER DISC VER tr pot's to DISC VER TAMSON M DORSEY Account number ending in 8025 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 RATE (APR) Purchases 12 99% V Cash Advances 23 99% V = Variable Rate BALANCE SUBJECT TO INTEREST RATE $2,991 82 $33 00 $0 $0 INTEREST CHARGE 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 oFthe 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 m writing You may call us, but 4 you do we are not required to investigate any potential errors and you may have to pay the amount in question While we investigate whether or not there has been on error, the following are true We cannot try to collect the amount in question, or report you as delinquent on thot amount The charge in question may remain on your statement, and we may continue to charge you interest on that amount But, 4 we determine that we made a mistake, you will not 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 4 your purchase was based on on advertisement we mailed to you , or 4 we own the company that sold you the goods or services ) 2 You must have used your credit cord For the purchase Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify 3 You must not yet have Fully paid For the purchase If all of the criteria above ore met and you are still dissatisfied with the purchase., contact us in writing at Discover, PO Box 30945, Salt Lake City, UT 84130-0945 While we investigate, the same rules apply to the disputed amount as discussed above After we 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 05 soon as the same day we receive your payment, and you will not receive your check back from your financial institution The processing of your payment may be delayed 4 you send cash, correspondence or other items with your payment, 4 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 30212729 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 payment; through a customer service representative by calling 1-800.347-2683 Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment date (e gthe 15th day of the month) that occurs before your Payment Due Date If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those 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 5 law You can set automatic payments For (i) statement New Balance, (n) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cordmember Agreement Ityour 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 automahc payment amount maybe less than 'he amount indicated on the periodic statement based on credits or payments after the Closing Date If you enroll by phone in our automatic payment service, please fill-in the Following blanks below and retain the authorization for your records Amount ❑ Full Pay El Min Pay ❑ Min Pay + $ t_ _J Fixed Pay$ Bank Routing It 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 repotting agencies each month If you believe that aur 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 on' portion of a new purchase, paid by the Payment Due Date on your current billing statement We call this the "grace period It is not less than 25 days There 15 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 drat if you do not pay the New Balance on the current billing statement by the Payment Due Date shown on that bdbng 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 yearyour 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 "doily balance" we take the beginning balance For each day, add any new transactions and fees and any Interest Charges accrued on the previous day's daily balance We then subtract any credits andayments 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 ore added to the standard purchase transaction category with the exception of Cash Advance Fees which are added to the applicable cash advance transaction category and Balance Transfer Fees which are added to the applicable balance transfer transaction category Credit Balances. 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 atter 6 months, or as otherwise required by applicable low For TDD (Telecommunications Device for the Deaf) assistance, please call 1.800.347.7449. Discover may monitor and/or record telephone calls behveen you and Discover representatives for quality assurance purposes The Discoverercard is issued by Discover Bank, Member FDIC D1TEK172 30212729 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER DISC VER New Balance $2,954.67 TAMSON M DORSEY 753 SNYDER RD COGAN STATION PA 17728-8412 Minimum Payment Due 560.00 Payment Due Date March 4, 2011 Address, e-mail or telephone change2 Go to www.Discover.com or print change in space above Account Number ending in 8025 Enter Amount Enclosed Below Pay online at www Discover corn or make check payable to Discover Phone and interne payments must be made by 5 OOpm ET for same day posting PO BOX 71084 CHARLOTTE NC 28272-1084 000001986458557435175029546700000000006000 Opening Date: January 10, 2011 - Closing Date: February 9, 2011 Discover More Card Account Summary Account number ending in 8025 Previous Balance Payments And Credits Purchases Bolance Transfers Cash Advances Fees Charged Interest Charged New Bolance 52,985 75 10000 + 9 99 + 0 00 + 0 00 + 26 06 + 32 87 $2,954 67 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $3,000 00 $45 00 $800 00 $45 00 You may be able to avoid Interest Charges, see Additional Important Information for details Cashback Bonus'' Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance To learn more log in cowww.Discover.com Anniversary Month September $ 28 39 ▪ 3 69 $ 32.08 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Calf 1 -800 -DISCOVER (1-800-347-2683) Please have your Discovery card available 3 Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197-6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449 page 1 of 2 Payment Information New Balance $2,954 67 Minimum Payment Due $60 00 Payment Due Date March 4, 2011 Late Payment Warning: If we do not receive your minimum payment by the date fisted above, you may have to pay a late fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 17 99% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example If you make no additional charges using this card and each month you pay You will pay off the balance shown or, this statement in about And you will end up :paying an estimated total of:_ Only the minimum payment 10 years $4,943 $100 3 years $3,584 (Savings = $1,359 ) If you would like information about credit counseling services, call 1-800-347-1121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily truck all transactions Make your money worth more$M..--.find easy ways to earn and redeem cash rewards NEW! Access your account securely through your mobile phone Transactions Payments and Credits Trans. Post Date Date Feb 1 Feb 1 INTERNET PAYMENT - THANK YOU $ -100 00 Other/Miscellaneous Jan 17 Jan 17 IDENTITY THEFT PROTECT 800-347-3089 UT $ 9 99 Fe30212729 Feb 9 Feb 9 PAYMENT PROTECTION PPD 1-877-883-1959 TOTAL FEES FOR THIS PERIOD $ 26 06 26.06 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC•VER` Paperless statements mean Tess clutter, more convenience Easily access up to 24 months of downloadable. password protected statements • See your statement as soon as it's available rather thon wait for it to arrive in your mo lbcx. • Get helpful payment reminders through e-mail or text messages on your mobile phone • Pont a paper copy of your statement anytime • Sign up today at Discover.com/paperless `5'7010 Disv.er 5on5 Men,bei FDC PAPER 0310 Transactions (cont.) Interest Charged Trans. Post Date Date INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD $ 32 87 0 00 0 00 32.87 2011 Totals Year -to -Date TOTAL FEES CHARGED IN 2011 TOTAL INTEREST CHARGED IN 2011 30212729 $ 5239 65 87 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER' DISC VER ti pays ao DISC VER TAMSON M DORSEY Account number ending in 8025 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account Current Billing Period: 31 days TYPE OF BALANCE Purchases Cash Advances V = Variable Rate ANNUAL PERCENTAGE RATE (APR) 12 99% V 23 99% BALANCE SUBJECT TO INTEREST CHARGE INTEREST RATE $2,980 42 $0 $32 87 $0 Information For You Get cash at checkout with your Discover card - take care of two errands at once and avoid transaction fees! To see details or find participating retailers, visit Discover com/cashover Need Cash? Whether it's for an unexpected bill or an emergency car repair, Discover(R) card con always help Get cash at ATMs nationwide or have money deposited directly into your bank account Visit Discover com/cash to find out more This month, the featured Cashback Bonus(R) Redemption Partner is Bed Bath & Beyond(R) Redeem $20 Cashback Bonus for a $25 Bed Bath & Beyond gift card Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains dl 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 mformahon Your name and account number Dollar amount The dollar amount of the suspected erior Descrtphon of Problem If you think there is an error an 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 to writing You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question While we investigate whether or not there has been an error, the following ore true We cannot try to collect the amount in question, or report you as delinquent on that amount The charge in question may remain on your statement, and we may continue to charge you interest on that amount But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount While you do not have to pay the amount in question, you are responsible for the remainder of your balance We con apply any unpaid amount against your credit limit Your Rights if You Are Dissatisfied With Your Credit Card Purchases 11 you are dissatisfied with the goods or services that you have purchased with your credit card, and you hove tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, all of the following must be true 1 The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50' (Note Neither of these are necessary 4 your purchase was based on an advertisement we mailed to you , or 1 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 os 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 1 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 ore 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 thot day Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day If you have 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 30212729 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION MUM/ER` 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 dayof the month) that occurs before your Payment Due Date If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature. you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account You also authorize us to inihate 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, Solt Lake City, UT 84130.0421, however we must receive notice at least three business days in advance of the scheduled payment If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be mode and how much it will be You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U 5 law You can set automatic payments for (i) statement New Balance, (ii) statement Minimum Payment Due, (m) 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 Ll Min Pay ❑ Mw Pay 1- $ E 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 0 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 transection, fee or interest charge from the day we add rt to the daily balance We continue to impose interest charges until you pay the total amount you owe us You can avoid paying interest on Purchases as described below However, you cannot avoid paying interest on Balance Transfers or Cash Advances How to Avoid Paying Interest on Purchases ("Grace Period") If you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement New Purchases are Purchases that first appear on the current billing statement How We Apply Payments May Impact Your Grace Period If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases 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 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 at other fees to the standard Purchase Transaction Category Balance Subject to Interest Rote. Your statement shows a Balance Subject to Interest Rate It shows this for each transaction category The Balance Subject to Interest Rate is the average of the daily balances during the billing period Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement A credit balance is money that is owed to you You may make charges against this amount if your Account is open We will send you a refund of any remaining balance of $1 00 or more after 6 months, or as otherwise required by applicable jaw For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347.7449. Discover may monitor ondi or record telephone calls between you and Discover representatives for quality assurance purposes The Discover®card is issued by Discover Bank, Member FDIC RZNPE00I 30212729 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683j. DISC•VER DISC VER New Balance $2,910.98 TAMSON M DORSEY 753 SNYDER RD COGAN STATION PA 17728-8412 Minimum Payment Due $59.00 Payment Due Date April 4, 2011 Address, e-mail or telephone change2 Go to www.Discover.com or print change in space above Account Number ending in 8025 Enter Amount Enclosed Below Pay online at www Discover com or make check payable to Discover Phone and Internet payments must be made by 5 OOpm ET for same day posting PO BOX 71084 CHARLOTTE NC 28272-1084 000001986458557435175029109800000000005900 Opening Date: February 10, 2011 - Closing Date: March 9, 20 Discover More Card Account Summary Account number ending in 8025 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $2,954 67 100 00 + 9 99 + 0 00 + 0 00 + 17 07 + 29 25 $2,910 98 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $3,000 00 $89 00 $800 00 $89 00 You may be able to avoid Interest Charges, see Additional Important Information for details Cashback Bonus' Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance To learn more bo !n a+ www.Discover.com Anniversary Month September $ 32 08 + 0 06 $ 32.14 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call 1.800 -DISCOVER (1-800.347-2683) Please have your Discover'' card available 3 Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197-6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449 1 page 1 of 2 Payment Information New Balance $2,910 98 Minimum Payment Due $59 00 Payment Due Date April 4, 2011 Late Payment Warning: IF we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penally APR of 17 99% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example If y'ou make Ito additional charges using this cord and each month you pay You will pay off the balance shown on this statement in about And you will end up paying an estimated total of Only the minimum payment 9 years $4,853 $98 3 years $3,530 (Savings = $1,323 ) f you would like information about credit counseling services, call 1-800-347-1121 Manage Your Account Online at www.Discover.com Access free online tool- like Paydown Planner to create a plan to ay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth more m ---Find easy ways to earn and redeem cash rewards NEW! Access your account securely through your mobile phone Transactions Payments and Credits Trans. Post Date Date Feb 27 Feb 27 INTERNET PAYMENT - THANK YOU $ -100 00 Other/Miscellaneous Feb 17 Feb 17 IDENTITY THEFT PROTECT 800347-3089 UT $ 9 99 X212729 Mar 9 Mar 9 PAYMENT PROTECTION PPD 1-877-883-1959 TOTAL FEES FOR THIS PERIOD $ 17 07 17.07 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC•VER Paperless statements mean less clutter, more convenience Eesily access up to 24 months of downloadable, password protected stctements • 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 -mall or text messages on your mobile phone • Print o paper copy of your statement anytime • Sign up today at Discover.com/paperless 32O 0 Dis::ouer Bunk 1+tembei FDC PAPER 0310 Transactions (cont.) Interest Charged Trans. Pest Date Date INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD $ 29 25 0 00 0 00 29.25 2011 Totals Year -to -Date TOTAL FEES CHARGED IN 2011 TOTAL INTEREST CHARGED IN 2011 30212729 $ 69 46 95 12 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2684. DISC•VER' DISC VER pays to DISC VER TAMSON M DORSEY Account number ending in 8025 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 R) PERCENTAGE MTA C RATE ECT TO INTEREST CHARGE RATPurchases 12 99% V $2,937 04 $29 25 Cash Advances 23 99% $0 $0 V = Variable Rate Information For You ....ATTENTION - Please note that your PAYMENT DUE DATE will change on statements you receive after April 1, 2011 Your new Payment Due Date will be MAY 5, 2011 Please note that your current Payment Due Date is printed at the top of the first page of your statement Please note your due date will be at least 25 days after the close of each billing period (at least 23 days after the close of billing periods that begin in February) Get cash at checkout with your Discover Card - take care of iwo errands at once and avoid transaction fees! To see details or find participating retailers, visit Discover com/cashover This month, the featured Cashback Bonus(R) Redemption Partner is Bed Bath & Beyond(R) Redeem $20 Cashback Bonus For a $25 Bed Bath & Beyond gift card Additional 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 Descnptton 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 riot to pay the remaining amount due on the purchase To use this right, all of the following must be true 1 The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50 (Note Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services 2 You must have used your credit card for the purchase Purchases made with cash advances from an ATM or with a check that accesses your credit cord account do not qualify 3 You must not yet have Fully paid for the purchase If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at Discover, PO Box 30945, 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 an 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 vse 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 30212729 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 by telephone, you will need this statement and your bank account information You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature. you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, From your bank account You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment You can cancel a scheduled payment by phone at 1.800-347-2683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 84130-0421, however we must receive notice at least three business days in advance of the scheduled payment IF your payments may vary in amount, we will tell you on each monthly biting statement when your payment will be mode and how much it will be You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U 5 law You can set automatic payments for (i) statement New Balance, (ii) statement Minimum Payment Due, (ni) 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, ony excess will be applied in accordance with your Cardmember Agreement Ityour scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credits or payments after the Closing Date If you enroll by phone in our automatic payment service, please fill-in the Following blanks below and retain the authorization for your records Amount ❑ Full Pay _-_I Min Pay ❑ Min Pay + $ , Li 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 transection, fee or interest charge from the day we add it to the daily balance We continue to impose interest charges until you pay the total amount you owe us You con avoid paying interest on Purchases as described below However, you cannot avoid paying interest on Balance Transfers or Cash Advances How to Avoid Paying Interest on Purchases ("Grace Period") If you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement New Purchases are Purchases that first appear on the current billing statement How We Apply Payments May Impact Your Grace Period If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases How We Calculate Interest Charges • Daily Balance Method )including current transactions): We calculate interest charges each billing period by first figuring the "daily balance" for each Transaction Category Transaction Categories include standard Purchases, standard Cosh Advances and different promotional balances, such as Balance Transfers How We Figure the Daily Balance for Each Transaction Category We start with the beginning balance for each day The beginning balance for the first day of the billing period is your balance on the -fast 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 billingperiod This gives us the interest charges for each Transac ion Category To get a daily periodic rate, we dividthe 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 +o the applicable Cash Advance Transaction Category We add all other fees to the standar d Purchase Transaction Category Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate It shows this for each transaction category The Balance Subject to Interest Rate is the average of the daily balances during the billing period Credit Balances. If your Account has a credr balance, the amount is shown on the front of your billing statement A credit balance is money 'hat is owed to you You may make charges against this amount if your Account is open We will send you a refund of any remaining balance of $1 DO or more after 6 months, or as otherwise required by applicable 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 RZNFE00I 30212729 Questions? visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER' DISC VER New Balance $2,870.92 TAMSON M DORSEY 753 SNYDER RD COGAN STATION PA 17728-8412 Minimum Payment Due $58.00 Payment Due Date May 5, 2011 Address, e-mail or telephone change2 Go to www.Discover.com or print change in space above Account Number ending in B025 Enter Amount Enclosed Below Pay online at www Discover com or make check payable to Discover Phone and Internet payments must be made by 5 OOpm ET for same day posting PO BOX 71084 CHARLOTTE NC 28272-1084 000001986458557435 175028709200000000005800 Opening Date: March 10, 2011 - Closing Date: April 10, 2011 Discover More Card Account Summary Account number ending in 8025 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $2,910 98 100 00 + 9 99 + 0 00 + 0 00 + 16 83 + 3312 $2,870 92 See Interest Charge Calculation section following transactions lot detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $3,000 00 $129 00 $800 00 $129 00 You may be able to avoid Interest Charges, see Additional Important Information for details Cashback Bonus" Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance To learn mom trap .n o! www.Discover.com Anniversary Month September $ 32 14 + 0 06 $ 32.20 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call 1.800 -DISCOVER (1-800.347-2683) Please have your Discover® card available 3 Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197-6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449 page 1 of 2 Payment Information New Balance $2.870 92 Minimum Payment Due $58 00 Payment Due Date May 5, 2011 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35 00 and your purchase and balance transfer APRs For new transactions may be increased up to the Penalty APR of 17 99% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and Lt will take you longer to pay off your balance For example l f you make no additional chcrges using this cord and each month you pay You will pay off the balance shown 'on this statement :in about And yOu will end up paying an estimated total °F.. Only the minimum payment 9 years $4,766 $97 3 years $3,482 (Savings = $1,284 ) f you would like information about credit ounseling services, call 1-800-347-1121 Manage Your Account Online at www.Discover.com Access free online took like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth moresim -find easy ways to earn and redeem cash rewards NEW Access your account securely through your mobile phone Transactions Payments and Credits Trans. Date Apr 3 Post Date Apr 3 INTERNET PAYMENT - THANK YOU $ -10000 Other/Miscellaneous Mar 17 Mar 17 IDENTITY THEFT PROTECT 800-347-3089 UT $ 9 99 F630212729 Apr 10 Apr 10 PAYMENT PROTECTION PPD 1-877-883-1959 TOTAL FEES FOR THIS PERIOD $ 16 83 16.83 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC•VER Paperless statements mean Tess clutter, more convenience Emily 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 -moil or text messages on your mobile phone • Print o paper copy of your statement cnyhme • Sign up today at Discover.com/paperless <,;20 EhIcov_. EanC laemt�e� FDC PAPER 0310 Transactions (cont.) Interest Charged Trans. Post Date Date INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD $ 33 12 0 00 0 00 33.12 2011 Totals Year -to -Date TOTAL FEES CHARGED IN 2011 $ 86 29 TOTAL INTEREST CHARGED IN 2011 128 24 30212729 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER DISC VER ft pays to DISC VER TAMSON M DORSEY Account number ending in 8025 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account Current Billing Period: 32 days TYPE OF BALANCE ANNUAL PERCENTAGE RATE APR) Purchases 12 9940 V Cash Advances 23 99% V = Variable Rate BALANCE SUBJECT TO INTEREST RATE $2,909 88 $0 INTEREST CHARGE $33 12 $0 Information For You `ATTENTION • The day of the month that your payment is due has changed Your new Payment Due Date is printed at the top of the First page of your statement Please note your due date will be at least 25 days after the close of each billing period except that it will be at least 23 days after the close of each billing period that begins in February This month, the featured Cashback Bonus(R) Redemption Partner is Bed Bath & Beyond(P) Redeem $20 Cashback Bonus for a $25 Bed Bath & Beyond gift card Protect your purchases with a SquareTrade Care Plan! Shop anywhere with your Discover Card and get your warranties through our preferred provider SquareTrade Please visit www discovercard coin/protection-solutions/warranty html for details Additional Important Information See your Cardmember Agreement, Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report 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 rnformotion 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 10 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 chorge 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 sery ces ) 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 30445, 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 aur decision At that point, if we think you owe an amount and you do not pay we may report you as delinquent Payments. You may pay all or part of your Account balance at any time However, you must pay at least the Minimum Payment Due by the Payment Due Date Send only your payment and the top portion of this statement in the envelope provided Do not send cosh By sending your check as described above, you authorize us to use information on your check to make on electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction IF payment is processed as on electronic fund transfer, the transfer will be for the amount of the check When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as scion as the same day we receive your payment, and you will not receive your check hack from your financial institution The processing of your payment may be delayed 4 you send cash, correspondence or other items with your payment, if you send the payment to any other address or 4 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 30212729 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC•VER` You can pay your monthly Minimum Payrnent 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 Payrnent Due Date unless you request a recurring payment date (e g , the 15th day of the month) that occurs before your Payment Due Date If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature. you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account You also authorize us to Initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment You can cancel a scheduled payment by phone at 1.800-3472683 or by mail at Discover, PO Box 30421, Solt Lake City, UT 84130.0421, however we must receive notice at least three business days in advance of the scheduled payment If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U 5 law You can set automatic payments for (r) statement New Balance, (n) statement Minimum Payment Due, (in) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement 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 'he 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 r:2 Min Pay ❑ Min Pay + $ LJ Fixed Pay$ Bank Routing # Bank Account # Frequency Credit Reporting. We may report information about your Account to credit bureau:. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agencies each month IF you believe that our report is inaccurate or incomplete, please write us at the following address Discover, PO Box 15316, Wilmington, DE 19850-.5316 Please indicate your name, address, home telephone number and Account number Paying Interest: We begin to impose interest charges on a transaction, fee or interest charge from the day we add it to the daily balance We continue to impose interest charges until you pay the total amount you owe us You can avoid paying interest on Purchases as described below However, you cannot avoid paying interest on Balance Transfers or Cash Advances How to Avoid Paymg Interest on Purchases ("Grace Period") If you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement New Purchases are Purchases that first appear on the current billing statement How We Apply Payments May Impact Your Grace Period IF you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases How We Calculate Interest Charges - Daily Balance Method (including current transactions): We calculate interest charges each billing period by first figuring the "daily balance" For each Transaction Category Transaction Categories include standard Purchases, standard Cash Advances and different promotional balances, such as Balance Transfers How We Figure the Daily Balance for Each Transaction Category We start with the beginning balance For each day The beginning balance for the first day of the billing period is your balance on the last day of your previous billing period We add any interest charges accrued on the previous day's daily balance and any new transactions and fees We odd any new transactions or fees as of the later of the Transaction Date or the first day of the billing period in which the transaction or fee posted to your Account We subtract any new credits and payments We make other adjustments (including those adjustments required in the "Paying Interest" section) How We Figure Your Total Interest Charges We multiply the 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 odd Balance Transfer Fees to the applicable Balance Transfer Transaction Category We add Cosh Advance Fees to the applicable Cash Advance Transaction Category We add all other fees to the standar d Purchase Transaction Category Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate It shows this for each transaction category The Balance Subject to Interest Rate is the average of the daily balances during the billing period Credit Balances. If your Account has a credit balance, the amount r shown on the front of your billing statement A credit balance rs 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 RZNFE00I 30212729 Questions? visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2684. DISCOVER DISC VER New Balance $2,853.19 TAMSON M DORSEY 753 SNYDER RD COGAN STATION PA 17728-8412 Minimum Payment Due 558.00 'Payment Due Dale June 5, 2011 Address, e-mail or telephone change2 Go to www.Discover.com or print change in space above Account Number ending in 8025 Enter Amount Enclosed Below Pay online at www Discover coin or make check payable to Discover Phone and Internet payments must be made by 5 OOpm ET for same day posting PO BOX 71084 CHARLOTTE NC 28272-108L 000001986458557435175028531900000000005800 Opening Date: April 11, 2011 - Closing Date: May 10, 2011 Discover More Card Account Summary Account number ending in 8025 Previous Balance Payments Arid Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $2,870 92 75 00 + 9 99 + 0 00 + 0 00 + 16 73 + 30 55 $2,853 19 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $3,000 00 $14600 $800 00 $14600 You may be able to avoid Interest Charges, see Additional Important Information for details Cashback Bonus' Anniversary Month September Opening Cashback Bonus Balance $ 32 20 New Coshback Bonus This Period + 0 06 Cashback Bonus Balance $ 32.26 To ieorn, RIME ioa .n o+ www.Discover.com 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call 1.800 -DISCOVER (1-800-347-2683) Please have your Discovery -card available 3 Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197-6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449 page 1 of 2 Payment Information New Balance $2,853 19 Minimum Payment Due $58 00 Payment Due Date June 5, 2011 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35 00 and your purchase and balance transfer APRs for new 'transactions moy be increased up to the Penalty APR of 17 99% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example If you make no additional charge's using this cora and each month you pay You will pay off the balance shown on this >tatement -in about And y0 ti will end up paying an estimated total of'. Only the minimum payment 9 years $4,728 $96 3 years $3,460 (Savings = $1,268 ) f you would like information about credit counseling services, call 1-800-347-1121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth morelm.--find easy ways to earn and redeem cash rewards NEWT Access your account securely through your mobile phone Transactions Payments and Credits Trans. Post Date Date Apr 29 Apr 29 INTERNET PAYMENT - THANK YOU $ -7500 Other/Miscellaneous Apr 17 Apr 17 IDENTITY THEFT PROTECT 800-347-3089 UT $ 9 99 X212729 May 10 May 10 PAYMENT PROTECTION PPD 1-877-883-1959 TOTAL FEES FOR THIS PERIOD $ 16 73 16.73 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 cs it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e -moll or text messages on your mobile phone • Print a paper copy of your statement anytime • Sign up today at Discover.com/paperless 1;! v13C0,27 Burk trambe, FDC PAPER 03 i0 Transactions (cont.) Interest Charged Trans. Post Date Date INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD $ 30 55 0 00 0 00 30.55 2011 Totals Year -to -Date TOTAL FEES CHARGED IN 2011 TOTAL INTEREST CHARGED IN 2011 30212729 $ 103 02 158 79 Questions? Visit www.Discover.com or colt 1 -800 -DISCOVER (1-800-347-2683). DISC•VER' DISC VER tt pays to DISC VER TAMSON M DORSEY Account number ending in 8025 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 ANNUAALL PERCENTAGE BALANCE EESTRSAUTBEJECT TO INTEREST CHARGE RATE (Purchases 12 99% V $2,863 73 $30 55 Cash Advances 23 99% $0 $0 V = Variable Rate Information For You Every Purchase Counts) Every time you use your Discover(R) card, you earn unlimited cash rewards automatically Use your card for everyday purchases, monthly bill payments or for something special Make your money worth more - today and every days Need Cash? Whether it's for an unexpected bill or an emergency car repair, Discover(R) card can always help Get cash at ATMs nationwide or have money deposited directly into your bank account Visit Discover coin/cash to find out more Build extra Cashback Bonus by using your Discover(R) card lo pay your monthly household bills like cable, cell phone, and insurance It's easy to set up, lust contact your provider You'll earn rewards with every brill 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 rnformatron 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 4 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, ar 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 omount against your credit limit Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit cord, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, all oF the following must be true 1 The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50 (Note Neither of these are necessary 4 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 pard for the purchase If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at Discover, PO Box 30945, Salt Lake City, UT 84130-0945 While we investigate, the same rules apply to the disputed amount as discussed above After we finish our investigation, vie 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 a processed as an electronic Fund transfer, the transfer will be For the amount of the check When we use information from your check to make on electronic fund transfer, funds may be withdrawn from your account as soon OS the same day we receive your payment, and you will not receive your check back from your Financial institution The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day If you hove misplaced your envelope. send your payment to Discover, PO Box 6103, 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 30212729 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 payment, will be deducted on the Payment Due Date unless you request a recurring payment date (e gthe 15th day of the month) that occurs before your Payment Due Date If your scheduled payment dote falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each 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 84130.0421, however we must receive notice at least three business days in advance of the scheduled payment If your payments may vary m amount, we will tell you on each monthly biting statement when your payment will be made and how much it will be You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U 5 law You can set automatic payments for (i) statement New Balance, (n) statement Minimum Payment Due, (nil statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement If your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance Your automatic payment amount maybe Tess than the amount indicated on the periodic statement based on credits or payments after the Closing Date IF you enroll by phone in our automatic payment service, please Fill-in the Following blanks below and retain the authorization for your records Amount ❑ Full Pay FT Min Pay ❑ Min Pay + $ ❑ Fixed Poy$ Bank Routing # Bank Account # Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payments, missed payments, or other defaults on your Account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agencies each month IF you believe that our report is inaccurate or incomplete, please write us at the following address Discover, PO Box 15316, Wilmington, DE 19850-5316 Please indicate your name, address, home telephone number and Account number Paying Interest: We begin to impose interest charges on transaction, fee or interest charge from the day we add 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-Bolonce 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}rases that first appear on the current billing statement How We Apply Payments May Impact Your Grace Period If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases How We Calculate Interest Charges • Daily Balance Method (including current transactions): We calculate interest charges each billing period by First figuring the "daily balance" for each Transaction Category Transaction Categories include standard Purchases, standard Cash Advances and different promotional balances, such as Balance Transfers How We Figure the Daly Balance for Each Transaction Category We start with the beginning balance for eoch 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 Categary 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 rs 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 Rzrvreuei 30212729 Questions? Visit www.Discover,com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER DISC VER New Balance $2,785.26 TAMSON M DORSEY 753 SNYDER RD COGAN STATION PA 17728-8412 Minimum Payment Due S56.00 'Payment l3ue 'Date July 5, 2011 Address, e-mail or telephone change2 Go to www.Discover.com or print change in space above Account Number ending in 8025 Enter Amount Enclosed Below Pay online at www Discover corn or make check payable to Discover Phone and Internet payments must be made by 5 OOpm ET for same day posting PO BOX 71084 CHARLOTTE NC 28272-1084 000001986458557435175027852600000000005600 Opening Date: May 11, 2011 - Closing Date: June 10, 2011 Discover More Card Account Summary Account number ending in 8025 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $2,853 19 109 09 + 9 99 + 0 00 + 0 00 + 0 00 + 31 17 $2,785 26 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $3,000 00 $0 00 $800 00 $0 00 You may be able to avoid Interest Charges, see Additional Important Information for details Cashback Bonus" Anniversary Month September Opening Cashback Bonus Balance $ 32 26 New Cashback Bonus This Period + 0 00 Cashback Bonus Balance 3 32.26 To learn more ion ;n or www.Discover.com 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call 1.800 -DISCOVER (1-800-347-2683) Please have your Discover®card available 3 Write to us of Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments, please send to address on rem ttcnce or Discover, PO Box 6103, Carol Stream, IL 60197-6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449 page 1 of 2 Payment Information New Balance $2,785 26 Minimum Payment Due $56 00 Payment Due Date July 5, 2011 Late Payment Warning: If we do not receive your minimum payment by the date fisted above, you may have to pay a late fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 17 99% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example If you make no additional charges using this' card and each month you pay :You will pay off the balance shown on this statement 'in about And you will end up ;paying an estimated total of Only the minimum payment 9 years $4,580 $94 3 years $3,378 (Savings = $1,202 ) f you would like information about credit counseling services, call 1-800-347-1121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth more5m-----find easy ways to earn and redeem cash rewards NEWT Access your account securely through your mobile phone Transactions Payments and Credits Trans. Post Date Date May 23 May 17 IDENTITY THEFT FEE REFUND • MONTHLY May 29 May 29 INTERNET PAYMENT - THANK YOU $ -9 09 -100 00 °itYlis24/32V us Fees May 17 May 17 IDENTITY THEFT PROTECT 800-347-3089 UT $ 9 99 TOTAL FEES FOR THIS PERIOD $ 0.00 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER' Paperless statements mean Less clutter, more convenience Easily access up io 24 months of downloadable; password protected statements • See your statement as soon cs rl's available rather than wail for 1t to arrive in your moilbax- • 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 12010 Dixever Bank Anembci FD'C PAPER 0310 Transactions (cont.) Interest Charged Trans. Post Date Date INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD $ 31 17 0 0D 0 00 31.17 2011 Totals Year -to -Date TOTAL FEES CHARGED IN 2011 TOTAL INTEREST CHARGED IN 2011 30212729 $ 103 02 189 96 Questions? Visit www.Discover.cam or call 1 -800 -DISCOVER (1-800-347-2683). DISC•VER DISC VER pays to DISC VER TAMSON M DORSEY Account number ending in 8025 page 2of2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account Current Billing Period: 31 days TYPE OF BALANCE ANNUAL PERCENTAGE RATE (APR) Purchases 12 99% V Cash Advances 23 99% V = Variable Rate BALANCE SUBJECT TO INTEREST RATE $2,827 14 $0 INTEREST CHARGE $31 17 $0 Information For You Download the free Discover mobile appl Manage your Discover Card or Discover Bank account your way - wherever you are Search transactions, view account summaries, and much more Download yours today at discover com/apps 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 rnformot;on Your name and occount number Dollar amount The dollar amount of the suspected error Descrrpnon of Problem If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake You must contact us within 60 days after the error appeared on your statement You must notify us of any potential errors in writing You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question While we investigate whether or not there has been an error, the following are true We cannot try to collect the amount in question, or report you as delinquent on that amount The charge in question may remain on your statement, and we may continue to charge you interest on that amount But, if we determine that we mode a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount While you do not have to pay the amount in question, you are responsible for the remainder of your balance We can apply any unpaid amount against your credit limit Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good Faith to corect the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, all of the following must be true 1 The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50 (Note Neither of these are necessary 4 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, 4 we think you owe an amount and you do not pay we may report you as delinquent Payments. You may pay all or part of your Account balance at any time However, you must pay at least the Minimum Payment Due by the Payment Due Date Send only your payment and the top portion of this statement in the envelope provided Do not send cash By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction If payment is processed as an electronic fund transfer, the transfer will be for the amount of the check When we use information from your check to make an electronic fund transfer. funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution The processing of your payment may be delayed if you send cash, correspondence or other items with your payment. if you send the payment to any other address or if you use an envelope other than the ore provided Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day If you hove misplaced your envelope, send your payment to Discover, PO Box 6103, 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 30212729 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 gthe 15th dayof 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 (he weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the Iasi 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 1.600.347.2683 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, (11) statement Minimum Payment Due, (Iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount If your scheduled fixed payment is nor enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased io cover the Minimum Payment Due If the scheduled payment r greater than the Minimum Payment Due, any excess will be applied in accordance with your Cordmember Agreement If your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credits or payments after the Closing Dale If you enroll by phone in our automatic payment service, please Fill-in the following blanks below and retain the authorization for your records Amount E Full Pay El Min Pay E Min Pay + $ E Fixed Pay$ Bank Routing # Bank Account # Frequency Credit Reporting. We may report information about your Account to credit bureaus Lote 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 rt to the daily balance We continue to impose interest charges until you pay the total amount you owe us You can avoid paying interest on Purchases as described below However, you cannot avoid paying interest on Balance Transfers or Cosh Advances How to Avoid Paying Interest on Purchases ("Grace Period") If you pond 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 potion of a new Purchase, paid by the Payment Due Date on your current brllrng statement New Purchases are Purchases that first appear on the current billing statement How We Apply Payments May Impact Your Grace Period IF you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases How We Calculate Interest Charges • Daily Balance Method (including current transactions): We calculate interest charges each billing period by First figuring the "daily balance" for each Transection Category Transaction Categories include standard Purchases, standard Cash Advances and different promotional balances, such as Balance Transfers How We Figure the Dairy 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 'he 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 Tronsactron Category by its daily periodic rate We do this for each day in the billing period This gives us the interest charges for each Transacion Category To get a daily periodic rare, we divide the APR that applies to the Transaction Category by 365 We add up all the daily interest charges The sum is the total interest charge for the billing period How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer 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 0 owed to you You may make charges against this amount if your Account o 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 Deafl assistance, please call 1-800-347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes The Discoverc''card is issued by Discover Bank, Member FDIC RZNPECot 30212729 Questions? visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683]. DISCOVER` DISC VER New Balance $2,758.94 TAMSON M DORSEY 753 SNYDER RD COGAN STATION PA 17728-8412 Minimum Payment Due $56.00 Payment Due Date August 5, 2011 Address, e-mail or telephone change2 Go to www.Discover.com or print change in space above Account Number ending in 8025 Enter Amount Enclosed Below Pay online at www Discover com or make check payable to Discover Phone and Internet payments must be made by 5 OOpm ET for same day posting PO BOX 71084 CHARLOTTE NC 28272-1084 000001986458557435175027589400000000005600 Opening Date: June 11, 2011 - Closing Date: July 10, 2011 Discover More Card Account Summary Account number ending in 8025 Prevlou5 Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $2,785 26 56 00 + 0 00 + 0 00 + 0 00 + 0 00 + 2968 $2,758 94 See Interest Charge Calculation section following transactions for detailed APR Information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $3,000 00 $0 00 $800 00 $0 00 You may be able to avoid Interest Charges, see Additional Important Information for details Cashback Bonus" Anniversary Month September Opening Cashback Bonus Balance $ 32 26 New Cashback Bonus This Period + 0 00 Cashback Bonus Balance Ta iea,n mage ioa :n a+ www.Discover.com $ 32.26 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call 1 -800 -DISCOVER (1-800-347-2683) Please have your Discover® card available 3 Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 (Noi a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197-6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7440 page 1 of 2 Payment Information New Balance $2,758 94 Minimum Payment Due $56 00 Payment Due Dote August 5, 2011 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 17 99% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example If you make ria additional chcrge's using this card and each month you pay You will pay off the balance shown on this statement in about And you will end' up paying an esi&rnoted total of Only the mmimurn payment 0 years $4,524 $93 3 years $3.346 (Savings = $1,178 f you would like information about credit counseling services, call 1-800-347-1121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth moreSm ---find easy ways to earn and redeem cash rewards NEW' Access your account securely through your mobile phone Transactions Payments and Credits Trans. Date Jul 1 Post Date Jul 1 INTERNET PAYMENT - THANK YOU $ -56 00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 In3V2g279/9 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS $ 29 68 0 00 0 00 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCSVER` Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadable. password protected stoternents • See your statement as soon cs d's avarloble rather Mon wart for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone • Print o paper copy of your statement anytime • Sign up today at Discover.com/paperless ;20 t Dacnv_. Lank Mnmbci FDIC PAPE: 0310 Transactions (cont.) Trans. Post Date Date Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 29.68 2011 Totals Year -to -Date TOTAL FEES CHARGED IN 2011 TOTAL INTEREST CHARGED IN 2011 30212729 $ 103 02 219 64 Questions? Visit www.Discover.cam or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER DISC VER !t pays to DISC VER TAMSON M DORSEY Account number ending in 8025 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account Current Billing Period: 30 days TYPE OF BALANCE ANN � L PERCENTAGE BALANCEI INTEREST lSUBE JECT TO INTEREST CHARGE RATEPurchases 12 99% V $2,780 98 $29 68 Cash Advances 23 99% $0 $0 V = Variable Rate Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report immediately' Call 1-800.347.2683. What To Do If You Think You Find A Mistake On Your Statement IF you think there is an error on your statement, write to us at Discover, PO Box 30421, Salt Lake City, UT 84130-0421 In your letter, give us the following information Account Information Your name and account number Dollar amount The dollar amount of the suspected error Description of Problem If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake You must contact us within 60 days after the error appeared on your statement You must notify us of any potential errors in writing You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question While we investigate whether or not there has been an error, the following ore true We cannot try to collect the amount in question, or report you as delinquent on that amount The charge in question may remain on your statement, and we may continue to charge you interest on that amount But, if we determine that we 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 con apply any unpaid amount against your credit limit Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, all of the following must be true 1 The purchase must hove been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50 (Note Neither of these are necessary if your purchase was based on on advertisement we moiled to you , or if we own the company that sold you the goods or services) 2 You must have used your credit card For the purchase Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify 3 You must not yet have fully paid for the purchase If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at Discover, PO Box 30945, Salt Lake City, UT 84130-0945 While we investigate, the same rules apply to the disputed amount as discussed above After we finish our investigation, we will tell you our decision At that point, if we think you owe an amount and you do not pay we may report you os delinquent Payments. You may pay all or part of your Account balance at any time However, you must pay at least the Minimum Payment Due by the Payment Due Date Send only your payment and the top portion of this statement in the envelope provided Do not send cash By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction If payment is processed as an electronic Fund transfer, the transfer will be For the amount of the check When we use information From your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided Payments received in proper form at our processing Facility by 5PM local time on any day will be credited to your Account as of that day Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197.6103 Please allow 7.10 days for delivery If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit 30212729 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 payment will be deducted on the Payment Due Date unless you request a recurring payment date (e the 15th dayof 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 )n order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature. you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment You can cancel a scheduled payment by phone at 1.800.347.2683 or by mail at Discover, PO Box 30421, Solt Lake City, UT 84130-0421, however we must receive notice at least three business days in advance of the scheduled payment If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U S law You can set automatic payments For (i) statement New Balance, (n) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus o fixed dollar amount, or (iv) a fixed dollar amount If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due If the scheduled payment r greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement IF your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credits or payments after the Closing Date If you enroll by phone in our automatic payment service, please fill-in the Following blanks below and retain the authorization for your records Amount ❑ Full Pay ❑ Min Pay ❑ Min Pay + $ E Fixed Pay$ Bank Routing # Bank Account # Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payments, missed payments, or other defaults on your Account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agencies each month IF you believe that our report is inaccurate or incomplete, please write us at the Following address Discover, PO Box 15316, Wilmington, DE 19850-5316 Please indicate your name, address, home telephone number and Account number Paying Interest: We begin to impose interest charges on a transaction, fee or interest charge from the day we add it to the daily balance We continue to impose interest charges until you pay the total amount you owe us You can avoid paying interest on Purchases os described below However, you cannot avoid paying interest on Balance Transfers or Cosh Advances How to Avoid Paying Interest on Purchases ("Grace Period") If you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement New Purchases are Purchases that first appear on the current billing statement How We Apply Payments May Impact Your Grace Period IF you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases How We Calculate Interest Charges • Daily Balance Method (including current transactions): We calculate interest charges each billing period by first figuring the "daily balance" for each Transaction Category Transection 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 its 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 perrod This gives us the interest charges for each Transaction Category To get a daily periodic rote, we divide the APR that applies to the Transaction Category by 365 We add up all the daily interest charges The sum is the total interest charge for the billing period How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category We add Cash Advance Fees to the applicable Cash Advance Transaction Category We add all other fees to the standard Purchase Transaction Category Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate It shows this for each transaction category The Balance Subject to Interest Rate is the average of the daily balances during the billing period Credit Balances. If your Account has a credit balance, the amount its shown on the front of your bitting 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 30212729 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DiSC•VER DISC VER New Balance $2,689.01 TAMSON M DORSEY 753 SNYDER RD COGAN STATION PA 17728-8412 Minimum Payment Due S54.00 Payment Due Dale September 5, 2011 Address, e-mail or telephone change2 Go to www.Discover.com or print change in space above Account Number ending in 8025 Enter Amount Enclosed Below Pay online at www Discover corn or make check payable to Discover Phone and Internet payments must be made by 5 OOpm ET for same day posting PO BOX 71084 CHARLOTTE NC 28272-1084 000001986458557435175026890100000000005400 Opening Date: July 11, 2011 - Closing Date: August 10, 2011 Discover More Card Account Summary Account number ending in 8025 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $2,758 94 100 00 + 0 00 + 0 00 + 0 00 + 0 00 + 30 07 $2,689 01 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $3,000 00 $000 $800 00 $0 00 You may be able to avoid Interest Charges, see Additional Important Information for details Cashback Bonus' Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance To learn, mom log in o+ www.Discover.com Anniversary Month September $ 32 26 + 0 00 $ 32.26 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call 1 -800 -DISCOVER (1-800-347-2683) Please have your Discover card available 3 Write to U5 at Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197-6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449 page 1 of 2 Payment Information New Balance $2,689 01 Minimum Payment Due $54 00 Payment Due Date September 5, 2011 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35 00 and your purchase and balance transfer APRs For new transactions may be increased up to the Penalty APR of 17 99% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example If you make no additional charges using this cord and each month you pay You will pay off the balance shown on this statement in about And you will end up paying an estimated total of'. Only the minimum payment 9 years $4,372 $91 3 years $3,261 (Savings = $1,1 1 1 ) f you would like information about credit counseling services, call 1-800-347-1121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan io pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth merest° -- find easy ways to earn and redeem cash rewards NEWI Access your account securely through your mobile phone Transactions Payments and Credits Trans. Date Jul 27 Post Date Jul 27 INTERNET PAYMENT - THANK YOU $ -100 00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 InJ9 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS $ 30 07 0 00 0 00 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC•VER` Paperless statements mean Tess clutter, more convenience Easily access up to 24 months of downloadable, password protected statements • See your statement as soon as il's available rather than wail for it to arrive in your mailbox. • Get helpful payment reminders through e -moil or text messages on your mobile phone • Print a paper copy of your statement anytime • Sign up today at Discaver.corn/paperless ,0013 D13.0.4e; Eank Member FDC PAPER 0310 Transactions (cont.) Trans. Post Date Dale Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 30.07 2011 Totals Year -to -Date TOTAL FEES CHARGED IN 2011 TOTAL INTEREST CHARGED IN 2011 30212729 $ 103 02 24971 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER' DISC VER ti pays to DISC VER TAMSON M DORSEY Account number ending rn 8025 page 2 of 2 Interest Charge Cakulation Your Annual Percentage Rate (APR) is the annual interest rate on your account Current Billing Period: 31 days TYPE OF BALANCE ANNUAL PERCENTAGE RATE (APR) Purchases 12 99% V Cash Advances 23 99% V = Variable Rate BALANCE SUBJECT TO INTEREST RATE $2,725 21 $0 INTEREST CHARGE $30 07 $0 Additional Important Information See your Cardmember Agreement. Your Cordmember Agreement contains all the terms of your Account Lost or stolen cards. Report immediately! Call 1-800.347.2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at Discover, PO Box 30421, Salt Lake City, UT 84130-0421 In your letter, give us the Following information Accowtt 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 error and you may have to pay the amount in question While we investigate whether or not there has been an error, the following are true We cannot try to collect the amount in question, or report you as delinquent on that amount The chorge in question may remain on your statement, and we may continue to charge you interest on that amount But, if we determine that we mode a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount While you do not hove to pay the amount in question, you are responsible for the remainder of your balance We con apply any unpaid amount against your credit limit Your Rights if You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good Faith to core ect 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, Soli 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 rs processed as an electronic fund transfer, the transfer will be for the amount of the check When we use information From your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided Payments received in proper form at our processing Facility by 5PM local time on any day will be credited to your Account as of that day Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197.6103 Please allow 7-10 days for delivery If your payment is returned unpaid, we reserve the right to resubmit it os an electronic debit 30212729 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 payment will be deducted on the Payment Due Date unless you request a recurring payment date (e gthe 15th dayof the month) that occurs before your Payment Due Date If your scheduled payment date falls on a. weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature. you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment You can cancel a scheduled payment by phone at 1.80D-347.2683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 84130.0421, however we must receive nonce at least three business days in advance of the scheduled payment If your payments may vary in amount, we will tell you on each monthly biting statement when your payment will be made and how much it will be You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U 5 law You can set automatic payments for (i) statement New Balance, (u) statement Minimum Payment Due, (in) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due If the scheduled payment r greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement (F your scheduled payment is greater than the New Balance on your billing statement- that payment will be processed only for the amount of your New Balance Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credits or payments after the Closing Date IF you enroll by phone in our automatic payment service, please Fill-in the following blanks below and retain the authorization for your records Amount ❑ Full Pay !^I Min Pay ❑ Min Pay + $ ❑ Fixed Pay$ Bank Routing # Bank Account # Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payments, missed payments, or other defaults on your Account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agencies each month IF you believe that our report is inaccurate or incomplete, please write us at the Following address Discover, PO Box 15316, Wilmington, DE 19850.5316 Please indicate your name, address, home telephone number and Account number Paying Interest We begin to impose interest charges on a transaction, fee or interest charge from the day we add it to the daily balance We continue to impose interest charges until you pay the total amount you owe us You can avoid paying interest on Purchases as described below However, you cannot avoid paying interest on Balance Transfers or Cosh Advances How to Avoid Paying Interest on Purchases ("Grace Period") If you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement New Purchases are Purcisases that first appear on the current billing statement How We Apply Payments May Impact Your Grace Period If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases How We Calculate Interest Charges • Daily Balance Method (including current transactions): We calculate interest charges each billing period by first figuring the "daily balance" for each Transaction Category Transaction Categories include standard Purchases, standard Cash Advances and different promotional balances, such as Balance Transfers How We Figure the Daily Balance for Each Transaction Category We start with the beginning balance for each day The beginning balance for the first day of the billing period is your balance on the last day of your previous billing period We add any interest charges accrued on the previous day's daily balance and any new transactions and fees We add any new transactions or fees as of the later of the Transaction Date or 'he 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 perrod This gives us the interest charges for each Transaction Category To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365 We add up all the daily interest charges The sum is the total interest charge for the billing period How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category We odd Cash Advance Fees to the applicable Cash Advance Transaction Category We add all other fees to the standard Purchase Transaction Category Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate It shows this for each transaction category The Balance Subject to Interest Rate is the average of the daily balances during the billing period Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement A credit balance is money that is owed to you You may make charges against this amount if your Account is open We will send you a refund of any remaining balance of $1 00 or more after 6 months, or as otherwise required by applicable law For TDD (Telecommunications Device for the Deall 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 Discoverr`'card is issued by Discover Bank, Member FDIC 30212729 RTNF 'ZOO 1 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISC•VER` DISC VER New Balance 52,618.52 TAMSON M DORSEY 753 SNYDER RD COGAN STATION PA 17728-8412 Minimum Payment Due S53.00 Payment Due Dale October 5, 2011 Address, e-mail or telephone change2 Go to www.Discover.com or print change in space above Account Number ending in 8025 Enter Amount Enclosed Below Pay online at www Discover corn or make check payable to Discover Phone and Internet payments must be made by 5 OOpm ET for same day posting PO BOX 71084 CHARLOTTE NC 28272-1084 000001986458557435175026185200000000005300 Opening Date: August 11, 2011 - Closing Date: September 10, 2011 Discover More Card Account Summary Account number ending in 8025 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $2,689 01 100 00 + 0 00 + 0 00 + 0 00 + 0 00 + 29 51 $2,618 52 See Interest Charge Calculation section following transactions For detailed APR Information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $3,000 00 $0 00 $800 00 $0 00 You may be able to avoid Interest Charges, see Additional Important Information for details Cashback Bonus"n Opening Cashback Bonus Balance New Coshback Bonus This Period Cashback Bonus Balance Ta learn mare loo :n al www.Discover.com Anniversary Month September 32 26 + 0 00 $ 32.26 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call 1.800 -DISCOVER (1-800-347-2683) Please have your Discover® card available 3 Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments- please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197-6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449 page 1 of 2 . Payment Information New Balance $2,618 52 Minimum Payment Due $53 00 Payment Due Date October 5, 2011 Late Payment Warning: IF we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 17 99% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in Interest and it will take you longer to pay off your balance For example If you rilcikrr ria additional charges using; this card and each month you pay You will pay off the balance shown on this statement in about And you will end' up :paying an 'estimated totol of . Only the minimum payment 8 years $4,219 $88 3 years $3,176 (Savings = $1,043 ) f you would like information about credit counseling services, call 1-800-347-1121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth mores'" —find easy ways to earn and redeem cosh rewards NEW] Access your account securely through your mobile phone Transactions Payments and Credits Trans. Post Date Date Sep 2 Sep 2 INTERNET PAYMENT - THANK YOU $ -10000 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Inbans c1 7a�9 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS 29 51 000 000 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER DISC VER - tt pays to DISC VER. TAMSON M DORSEY Account number ending in 8025 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APRj is the annual interest rate on your account Current Billing Period: 31 days TYPE OF BALANCE ANNUAL PERCENTAGE RATE (APR) Purchases 12 99% V Cash Advances 23 99% V = Variable Rate BALANCE SUBJECT TO INTEREST RATE $2,674 34 $0 INTEREST CHARGE $29 51 $0 Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report immediately' Call 1.800.347.2683. 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 rnformahon 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 hove tried in good Faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, all of the following must be true 1 The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50 (Note Neither of these are necessary if your purchase was based on on advertisement we mailed to you , or if we own the company thot sold you the goods or services I 2 You must have used your credit card for the purchase Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify 3 You must not yet have Fully paid for the purchase If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at Discover, PO Box 30945, Salt Lake City, UT 84130-0945 While we investigate, the same rules apply to the disputed amount as discussed above After we finish our investigation, we will tell you our decision At that point, if we think you owe an amount and you do not pay we may report you as delinquent Payments. You may pay all or part of your Account balance at any time However, you must pay at least the Minimum Payment Due by the Payment Due Date Send only your payment and the top portion of this statement in the envelope provided Do not send cash By sending your check as described above, you authorize us to use information on your check to make an electronic Fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction If payment is processed as an electronic fund transfer, the transfer will be for the amount of the check When we use information From your check to make an electronic Fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your Financial institution The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided Payments received in proper form of our processing Facility by 5PM local time on any day will be credited to your Account as of that day Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197-6103 Please allow 7.10 days for delivery If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit 30212729 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 dayof the month) that occurs before your Payment Due Date If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature. you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment You can cancel a scheduled payment by phone at 1-800-347-2683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 84130-0421, however we must receive notice at least three business days in advance of the scheduled payment If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U 5 low You can set automatic payments For (i) statement New Balance, (ii) statement Minimum Payment Due, (111) 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 o 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 ❑ Min Pay + $ Amount ❑Full Pay Min Pay ,7Fixed 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 repotting agencies each month IF you believe that our report is inaccurate or incomplete, please write us at the following address Discover, PO Box 15316, Wilmington, DE 19850-5316 Please indicate your name, address, home telephone number and Account number Paying Interest We begin to impose interest charges on a transaction, fee or interest charge from the day we add it to the daily balance We continue to impose interest charges until you pay the total amount you owe us You can avoid paying interest on Purchases as described below However, you cannot avoid paying interest on Balance Transfers or Cosh Advances How to Avoid Paying Interest on Purchases ("Grace Period") If you paid the New Bolance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement New Purchases are Purchases that first appear on the current billing statement How We Apply Payments May Impact Your Grace Period IF you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases How We Calculate Interest Charges • Daily Balance Method (including current transactions): We calculate interest charges each billing period by first figuring the "daily balance" for each Transaction Category Transaction Categories include standard Purchases, standard Cash Advances and different promotional balances, such as Balance Transfers How We Figure the Daily Balance for Each Transaction Category We start with the beginning balance for each day The beginning balance for the first day of the billing period is your balance on the last day of your previous billing period We add any interest charges accrued on the previous day's daily balance and any new transactions and fees We add any new transactions or fees as of the later of the Transaction Dote or the first day of the billing period in which the transaction or fee posted to your Account We subtract any new credits and payments We make other adjustments (including those adjustments required in the "Paying Interest" section) How We Figure Your Total Interest Charges We multiply the daily balance For each Transaction Category by its daily periodic rate We do this for each day in the billing period This gives us the interest charges for each Transaction Category To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365 We odd up all the daily interest charges The sum is the total interest charge for the billing period How We Include Fees We 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 RZNFEcoi 30212729 Questions? Visit www.Discover,com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER DISC VER Nev Balance S2,546.23 TAMSON M DORSEY 753 SNYDER RD COGAN STATION PA 17728-8412 Minimum Payment Due $51.00 Payment Due Date November 5, 2011 Address, e-mail or telephone change2 Go to www.Discover.com or print change in space above Account Number ending in 8025 Enter Amount Enclosed Below Pay online at www Discover corn or make check payable to Discover Phone and internet payments must be made by 5 OOpm ET for same day posting PO BOX 71084 CHARLOTTE NC 28272-1084 000001986458557435175025462300000000005100 Opening Date; September 11, 2011 - Closing Date: October 10, 2011 Discover More Card Account Summary Account number ending in 8025 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance See Interest Charge Calculation section Following transactions for detailed APR information $2,618 52 • 100 00 • 0 00 + 0 00 + 0 00 + 0 00 + 2771 $2,546 23 Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $2,600 00 $53 00 $1,300 00 $53 00 You may be able to avoid Interest Charges, see Additional Important Information for details Cashback Bonus'' Anniversary Month September Opening Cashback Bonus Balance $ 32 26 New Cashback Bonus This Period + 0 00 Cashback Bonus Balance $ 32.26 Ta learn mare ,aa In atwww.Discover.com 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call I -800-DISCOVER (1-800-347-2683) Please have your Discover® card available 3 Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments- please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197-6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449 page 1 of 2 Payment Information New Balance $2,546 23 Minimum Payment Due $51 00 Payment Due Date November 5, 2011 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35 00 and your purchase and balance transfer APRs For new transactions may be increased up to the Penalty APR of 17 99% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example If y6u rndke no additional charges using this card and each month you pay You will pay off the balance shown on this statement :irt about And you will end up; paying an ,estimated total of'. Only the minimum payment 8 years $4,063 $86 3 years $3,088 (Savings = $975 ) f you would like information about credit counseling services, call 1-800-347-1121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth mores" --Find easy ways to earn and redeem cash rewards NEWt Access your account securely through your mobile phone Transactions Payments and Credits Trans. Post Date Date Sep 30 Sep 30 INTERNET PAYMENT - THANK YOU $ -100 00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Inn 9 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS $ 27 71 000 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 il's available rather than wail for it to arrive in your mailbox. • Get helpful payment reminders through e -mall or text messages on your mobile phone • Print o paper copy of your statement anytime • Sign up today at Discover.com/paperless ;5:2010 D,<<: n:er Eua+t lnembei FDC PAPER 0110 Transactions (cont.) Trans. Post Date Date Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 27.71 2011 Totals Year -to -Date TOTAL FEES CHARGED IN 2011 TOTAL INTEREST CHARGED IN 2011 30212729 $ 103 02 306 93 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER` DISC VER it pays:o DISC VER TAMSON M DORSEY Account number ending in 8025 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 ANNUALRPERCENTAGE RATE (Purchases 12 99% V Cash Advances 23 99% V = Variable Rate BALANCE SUBJECT TO INTEREST RATE $2,595 34 $0 INTEREST CHARGE $27 71 $0 Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report immediately' Call 1.800347.2683. What To Do if You Think You Find A Mistake On Your Statement IF you think there is an error on your statement, write to us at Discover, PO Box 30421, Salt Lake City, UT 841 30-0421 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 moy 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 hve 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 moiled to you , or rf we own the company that sold you the goods or services ) 2 You must have used your credit card for the purchase Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify 3 You must not yet have Fully paid for the purchase If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at Discover, PO Box 30945, Salt Lake City, UT 84130-0945 While we investigate, the same rules apply to the disputed amount as discussed above After we finish our investigation, we will tell you our decision At that point, if we think you owe an amount and you do not pay we may report you as delinquent Payments. You may pay all or part of your Account balance at any time However, you must pay at least the Minimum Payment Due by the Payment Due Date Send only your payment and the top portion of this statement in the envelope provided Do not send cash By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction If payment is processed as an electronic fund transfer, the transfer will be for the amount of the check When we use information from your check to make an electronic Fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to ony other address or if you use an envelope other than the one provided Payments received in proper form at our processing Facility by SPM local time on any day will be credited to your Account as of that day Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197.6103 Please allow 7.10 days for delivery If your payment is returned unpaid, we reserve the right to resubmit it os an electronic debit 30212729 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCERNER 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 by telephone, you will need this statement and your bank account information You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature. you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment You can cancel a scheduled payment by phone at 1.800.347.2683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 84130.0421, however we must receive notice at least three business days in advance of the scheduled payment If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U 5 law You can set automatic payments for (i) statement New Balance, (n) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement If your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credits or payments after the Closing Date If you enroll by phone in our automatic payment service, please Fill-rn the Following blanks below and retain the authorization for your records Amount ❑ Full Pay I�! Min Pay ❑ Min Pay + $ E Fixed Pay$ Bank Routing # Bank Account # Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payments, missed payments, or other defaults on your Account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agencies each month IF you believe that our report is inaccurate or incomplete, please write us at the Following address Discover, PO Box 15316, Wilmington, DE 19850.5316 Please indicate your name, address, home telephone number and Account number Paying Interest We begin to impose interest charges on a transaction, fee or interest charge from the day we add it to the daily balance We continue to impose interest charges until you pay the total amount you owe us You can avoid paying interest on Purchases as described below However, you cannot avoid paying interest on Balance Transfers or Cosh Advances How to Avoid Paying Interest on Purchases ("Grace Period") If you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement New Purchases are Purchases that first appear on the current billing statement How We Apply Payments May Impact Your Grace Period IF you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases How We 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 adlustments 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 +o the applicable Cash Advance Transaction Category We add all other fees to the standar d Purchase Transaction Category Balance Subject to Interest Rote. Your statement shows a Balance Subject to Interest Rate It shows this for each transaction category The Balance Subject to Interest Rate is the average of the daily balances during the billing period Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement A credit balance is money that is owed to you You may make charges against this amount if your Account its 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 Discoverecard is issued by Discover Bank, Member FDIC Rzrur Eoc 30212729 Questions? Visit www.Discover.com or call 1 -800-DISCOVER (1-800-347-2683). DISCOVER DISC VER New Balance $2,474.12 TAMSON M DORSEY 753 SNYDER RD COGAN STATION PA 17728-8412 Minimum Payment Due $50.00 Payment Due Bate December 5, 2011 Address, e-mail or telephone change2 Go to www.Discover.com or print change in space above Account Number ending in 8025 Enter Amount Enclosed Below Pay online at www Discover cam or make check payable to Discover Phone and Internet payments must be made by 5 OOpm ET for same day posting PO BOX 71084 CHARLOTTE NC 28272-1084 000001986458557435175024741200000000005000 Opening Date: October 11, 2011 - Closing Date: November 10, 2011 Discover More Card Account Summary Account number ending in 8025 Previous Balance Payments And Credits Purchases Balance Tronsfers Cash Advances Fees Charged Interest Charged New Balance $2,546 23 100 00 + 0 00 + 0 00 + 0 00 + 0 00 + 27 89 $2,474 12 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $2,600 00 $125 00 $1,300 00 $125 00 You may be able to avoid Interest Charges, see Additional Important Information for details Cashback Bonus" Anniversary Month September Opening Cashback Bonus Balance $ 32 26 New Cashback Bonus This Period + 0 00 Cashback Bonus Balance $ 32.26 To !earn more Ino !r, u+ www.Discover.com 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call 1 -800 -DISCOVER (1-800.347-2683) Please have your Discoverircard available 3 Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197-6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449 page 1 of 2 Payment Information New Balance $2,474 12 Minimum Payment Due $50 00 Payment Due Date December 5, 2011 Late Payment Warning: IF we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 17 99% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example Fyou make no additional charges using this card and each month you pay You will pay off the balance shown on this stotemertt in about And you will end up paying an estimated total of . Only the minimum payment 8 years $3,906 $83 3 years $3,001 (Savings = $905 ) f you would like information about credit counseling services, call 1-800-347-1121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth more55jn---find easy ways to earn and redeem cash rewards NEW] Access your account securely through your mobile phone Transactions Payments and Credits Trans. Date Nov 1 Post Date Nov 1 INTERNET PAYMENT - THANK YOU $ -100 00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS $ 2789 0 00 0 00 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER" Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadable, password protected statements • See your statement as soon as it's available rather than wail for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone • Print a paper copy of your statement anytime • Sign up today at Discover.com/paperless 02010 Di+cnve; Bunk t n bel FDC PAPER 0310 Transactions (cont.) Trans. Post Dote Date Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 27.89 2011 Totals Year -to -Date TOTAL FEES CHARGED IN 2011 TOTAL INTEREST CHARGED IN 2011 30212729 $ 103 02 334 82 Questions? Visit www.Discover.cam or coil 1 -800-DISCOVER (1-800-347-26831. DISCOVER' DISC VER !r pays 10 DISC VER TAMSON M DORSEY Account number ending in 8025 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 ALAN T (SUBJECT TO INTEREST CHARGE RATPurchases 12 99% V $2,527 56 $27 89 Cash Advances 23 99% $0 $0 V = Variable Rate Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report immediately' Call 1.800.347.2683. What To Da if You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at Discover, PO Box 30421, Salt Lake City, UT 84130-0421 In your letter, give us the following information Account information Your name and account number Dollar amount The dollar amount of the suspected error Description of Problem If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake You must contact us within 60 days after the error appeared on your statement You must notify us of any potential errors in writing You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question While we investigate whether or not there has been on error, the following are true We cannot try to collect the amount in question, or report you as delinquent on that amount The charge in question may remain on your statement, and we may continue to charge you interest on that amount But, if we determine that vie 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 con apply ony 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 on advertisement we mailed to you , or if we own the company that sold you the goods or services ) 2 You must have used your credit card For the purchase Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify 3 You must not yet have Fully paid for the purchase If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at Discover, PO Box 30945, Salt Lake City, UT 84130-0945 While we investigate, the same rules apply to the disputed amount as discussed above After we finish our investigation, we will tell you our decision At that point, if we think you owe an amount and you do not pay we may report you as delinquent Payments. You may pay all or part of your Account balance at any time However, you must pay at least the Minimum Payment Due by the Payment Due Date Send only your payment and the top portion of this statement in the envelope provided Do not send cash By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction If payment is processed as an electronic fund transfer, the transfer will be for the amount of the check When we use information From your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided Payments received in proper form at our processing Facility by 5PM local time on any day will be credited to your Account as of that day Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197.6103 Please allow 7-10 days for delivery If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit 30212729 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 I-800.347.2683 Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment dote (e gthe 15th dayof the month) that occurs before your Payment Due Date If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each 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 84130.0421, however we must receive notice at least three business days in advance of the scheduled payment If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U 5 law You can set automatic payments for (i) statement New Balance, (u) statement Minimum Payment Due, (in) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due If the scheduled payment IS greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement 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 D Full Pay ❑ Min Pay ❑ Mm Pay + $ , E. Fixed Pay$ Bank Routing # Bank Account # Frequency Credit Reporting, We may report information about your Account to credit bureaus Late payments, missed payments, or other defaults on your Account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agencies each month If you believe that our report is inaccurate or incomplete, please write us at the Following address Discover, PO Box 15316, Wilmington, DE 19850.5316 Please indicate your name, address, home telephone number and Account number Paying Interest: We begin to impose interest charges on a transaction, fee or interest charge From the day we add it to the daily balance We continue to impose interest charges until you pay the total amount you owe us You can avoid paying interest on Purchases as described below However, you cannot avoid paying interest on Balance Transfers or Cash Advances How to Avoid Paying Interest on Purchases ("Grace Period") If you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement New Purchases are Purchases that first appear on the current billing statement How We Apply Payments May Impact Your Grace Period IF you do not pay your New Balance in Full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases How We Calculate Interest Charges - Daily Balance Method (including current transactions): We calculate interest charges each billing period by first figuring the "daily balance" for each Transaction Category Transaction Categories include standard Purchases, standard Cash Advances and different promotional balances, such as Balance Transfers How We Figure the 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 perrod This gives us the interest charges for each Transaction Category To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365 We 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 rs 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 Discoveri'card is issued by Discover Bank, Member FDIC RZNFEOOi 30212729 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISC•VER DISC VER New Balance $2,400.10 TAMSON M DORSEY 753 SNYDER RD COGAN STATION PA 17728-8412 Minimum Payment Due $48.00 'Payment Due Date January 5, 2012 Address, e-mail or telephone change2 Go to www.Discover.com or print change in space above Account Number ending in 8025 Enter Amount Enclosed Below Pay online at www Discover corn or make check payable to Discover Phone and internet payments must be made by 5 OOpm ET for same day posting PO BOX 71084 CHARLOTTE NC 28272-1084 000001986458557435175024001000000000004800 Opening Date: November 11, 2011 - Closing Date: December 10, 2011 Discover More Card Account Summary Account number ending in 8025 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $2,474 12 100 00 + 0 00 + 0 00 + 0 00 + 0 00 + 25 98 $2,400 10 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $2,600 00 $199 00 $1,300 00 $199 00 You may be able to avoid Interest Charges, see Additional Important Information for details Cashback Bonus(' Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance To leorn terve in; :n o www.Discover.com Anniversary Month September $ 32 26 + 0 00 $ 32.26 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call 1800 -DISCOVER (1-800-347-2683) Please have your Discovero card available 3 Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197-6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449 page 1 of 2 Payment Information New Balance $2,400 10 Minimum Payment Due $48 00 Payment Due Date January 5, 2012 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 17 99% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example If you make no additional charges using this card and each month you pay You will pay off the balance shown on this statement in about And you will end' up paying an estimated total of Only the minimum payment 8 years $3,746 $81 3 years $2,911 (Savings = $835 ) f you would like information about credit counseling services, call 1-800-347-1121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth moreSw---find easy ways to earn and redeem cash rewards NEWt Access your account securely through your mobile phone Transactions Trans. Post Date Date Payments and Credits Nov 25 Nov 25 INTERNET PAYMENT - THANK YOU $ -100 00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Inns2ci2719 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS $ 25 98 0 00 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 nt a paper copy of your statement anytime • Sign up today at Discover.com/paperless 00) U Bunt Membe, FDC PAPER 0310 Transactions (cont.) Trans. Post Date Date Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 25.98 2011 Totals Year -to -Date TOTAL FEES CHARGED IN 2011 TOTAL INTEREST CHARGED IN 2011 30212729 $ 103 02 360 80 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER' DISC VER ti pays to DISC VER TAMSON M DORSEY Account number ending in 8025 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APRT is the annual interest rate on your account Current Billing Period: 30 days TYPE OF BALANCE ANN ( L PERCENTAGE INTEREST SUBJECT TO INTEREST CHARGE RATEPurchases 12 99% V $2,433 45 $25 98 Cash Advances 23 99% $0 $0 V = Variable Rate Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report immediately) Call 1-800.347.2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, 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 ore not required to investigate any potential errors and you may have to pay the amount in question While we investigate whether or not there has been an error, the following are true We cannot 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 con apply any unpaid amount against your credit limit Your Rights If You Are Dissatisfied With Your Credit Card Purchases IF you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good Faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, all of the following must be true 1 The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50 (Note Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goads or services I 2 You must have used your credit card For the purchase Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify 3 You must not yet have Fully paid for the purchase If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at Discover, PO Box 30945, Salt Lake City, UT 84130-0945 While we investigate, the same rules apply to the disputed amount as discussed above After we finish our investigation, we will tell you our decision At that point, if we think you owe an amount and you do not pay we may report you as delinquent Payments. You may pay all or part of your Account balance at any time However, you must pay at least the Minimum Payment Due by the Payment Due Date Send only your payment and the top portion of this statement in the envelope provided Do not send cash By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction If payment is processed as an electronic fund transfer, the transfer will be for the amount of the check When we use information from your check to make an electronic Fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided Payments received in proper form at our processing Facility by 5PM local time on any day will be credited to your Account as of that day Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197-6103 Please allow 7.10 days for delivery If your payment is returned unpaid, we reserve the right to resubmit it os an electronic debit 30212729 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 gthe 15th dayof 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 fhe weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment You can cancel a scheduled payment by phone at 1-800-347.2683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 84130.0421, however we must receive notice at least three business days in advance of the scheduled payment If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U S law You can set automatic payments for (i) statement New Balance, (u) statement Minimum Payment Due, (w) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount If your scheduled fixed payment is nor enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement If your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credits or payments after the Closing Date IF you enroll by phone in our automatic payment service, please fill-in the Following blanks below and retain the authorization for your records Amount ❑ Full Pay LI Min Pay ❑ Min Pay + $ ❑ Fixed Pay$ Bank Routing # Bank Account # Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payments, missed payments, or other defaults on your Account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agencies each month IF you believe that our report is inaccurate or incomplete, please write us at the Following address Discover, PO Box 15316, Wilmington, DE 19850.5316 Please indicate your name, address, home telephone number and Account number Paying Interest We begin to impose interest charges on a transaction, fee or interest charge from the day we add it to the daily balance We continue to impose interest charges until you pay the total amount you owe us You can avoid paying interest on Purchases as described below However, you cannot avoid paying interest on Balance Transfers or Cosh Advances How to Avoid Paying Interest on Purchases ("Grace Period") If you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement New Purchases are Purchases that first appear on the current billing statement How We Apply Payments May Impact Your Grace Period If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases How We 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 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 DO or more after 6 months, or as otherwise required by applicable law For TDD (Telecommunications Device for the Dealt 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 Discoverwcard is issued by Discover Bank, Member FDIC 30212729 RZNF EooI Questions? Visit www.Discover,com or call 1 -800 -DISCOVER (1-800-347-2683). DISC•VER DISC VER New Balance $2,437.90 TAMSON M DORSEY 753 SNYDER RD COGAN STATION PA 17728-8412 Minimum Payment Due $49.00 Payment Due' Date February 5, 2012 Address, e-mail or telephone change2 Go to www.Discover.com or print change in space above Account Number ending in 8025 Enter Amount Enclosed Below Pay online at www Discover cam or make check payable to Discover Phone and Internet payments must be made by 5 OOpm ET for same day posting PO BOX 71084 CHARLOTTE NC 28272-1084 000001986458557435175024379000000000004900 Opening Date: December 11, 2011 - Closing Date: January 10, 2012 Discover More Card Account Summary Account number ending in 8025 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $2,400 10 48 00 + 59 00 + 000 + 0 00 + 0 00 + 26 80 $2,437 90 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $2,600 00 $16200 $1,300 00 $162 00 You may be able to avoid Interest Charges, see Additional Important Information for details Cashback Bonus" Anniversary Month September Opening Cashback Bonus Balance $ 32 26 New Cashback Bonus This Period + 0 14 Cashback Bonus Balance $ 32,40 Ta learn mage log In e' www.Disrover.com 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call 1 -800 -DISCOVER (1.800.347.2683) Please have your Discaver't card available 3 Write to us of Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 601976103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449 page 1 of 2 Payment Information New Balance $2.437 90 Minimum Payment Due $49 00 Payment Due Date February 5, 2012 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 17 99% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example If you make na additional charge's using this card and each month you pay You will pay of( the balance shown on this statement in about And you will end up paying an estimated tocol of . Only the minimum payment 8 years $3,827 $82 3 years $2,957 (Savings = $870 ) f you would like information about credit counseling services, call 1-800-347-1121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth more5m—find easy ways to earn and redeem cash rewards NEWt Access your account securely through your mobile phone Transactions Payments rind Credits Trans. Date Jan 2 Post Date Jan 2 INTERNET PAYMENT - THANK YOU $ -48 00 Gasoline Dec 25 Dec 25 0195 SHEETZ MECHANICSBURGPA Dec 31 Dec 31 0195 SHEETZ MECHANICSBURGPA F30212729 ees $ 4700 12 00 TOTAL FEES FOR THIS PERIOD $ 0.00 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER` Paperless statements mean less clutter, more convenience Ecsily access up to 24 months of downloadable, password protected statements • See your statement as soon as it's available rather thon wad for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile'phone • Print a paper copy of your statement anytime • Sign up today at Discover.com/paperless '620i6Dtycov. Bonk Men, FDC PAPER 0310 Transactions (cont.) Interest Charged Trans. Post Date Date INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD $ 26 80 0 00 0 00 26.80 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 TOTAL INTEREST CHARGED IN 2012 30212729 $ 0 00 26 80 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER 11-800-347-26831. DISC•VER DISC VER EE pays to DISC VER' TAMSON M DORSEY Account number ending in 8025 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 $2,429 12 $26 80 Cash Advances 23 99% $0 $0 V = Variable Rate Additional Important Information See your Cardmember Agreement, Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report immediately) Calf 1 800.347.2663. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at Discover, PO Box 30421, Salt Lake City, UT 84130-0421 In your letter, give us the Following information Account information Your name and account number Dollar amount The dollar amount of the suspected error Description of Problem If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake You must contact us within 60 days after the error appeared on your statement You must notify us of any potential errors in writing You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question While we investigate whether or not there has been an error, the following ore true We cannot try to collect the amount in question, or report you as delinquent on that amount The charge in question may remain on your statement, and we may continue to charge you interest on that amount But, if we determine that we made a mistake, you will not 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 goads or services ) 2 You must have used your credit card For the purchase Purchases made with cash advances horn an ATM or with a check that accesses your credit card account do not qualify 3 You must not yet have fully paid For the purchase If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at Discover, PO Box 30945, Salt Lake City, UT 84130-0945 While we investigate, the same rules apply to the disputed amount as discussed above After we finish our investigation, we will tell you our decision At that point, if we think you owe an amount and you do not pay we may report you as delinquent Payments. You may pay all or part of your Account balance at any time However, you must pay at least the Minimum Payment Due by the Payment Due Date Send only your payment and the top portion of this statement in the envelope provided Do not send cash By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction If payment is processed as an electronic fund transfer, the transfer will be for the amount of the check When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197.6103 Please allow 7-10 days for delivery If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit 30212729 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER' You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1-800-347-2683 Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment date (e gthe 15th dayof 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 (he weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount seiected by you, from your bank account You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment You can cancel a scheduled payment by phone at 1.800.347.2683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 84130-0421, however we must receive notice at least three business days in advance of the scheduled payment If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U S law You can set automatic payments for (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement It your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance Your automatic payment amount may be less than the amount indicated on the periodic statement based on credits or payments after the Closing Date If you enroll by phone in our automatic payment service, please fill-in the Following blanks below and retain the authorization for your records Amount ❑ Full Pay Li Min Pay ❑ Min Pay + $ ❑Fixed Pay$ Bank Routing # Bank Account # Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payments, missed payments, or other defaults on your Account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agencies each month IF you believe that our report is inaccurate or incomplete, please write us at the Following address Discover, PO Box 15316, Wilmington, DE 19850-5316 Please indicate your name, address, home telephone number and Account number Paying Interest: We begin to impose interest charges on a transaction, fee or interest charge from the day we add it to the daily balance We continue to impose interest charges until you pay the total amount you owe us You cart avoid paying interest on Purchases as described below However, you cannot avoid paying interest on Balance Transfers or Cosh Advances How to Avoid Paying Interest on Purchases ("Grace Period") If you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement New Purchases are Purchases that first appear on the current billing statement How We Apply Payments May Impact Your Grace Period IF you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases How We 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 Darty 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 rote, we divide the APR that applies 10 the Transaction Category by 365 We add up all the daily interest charges The sum is the total interest charge for the billing period How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category We add Cash Advance Fees to the applicable Cash Advance Transaction Category We add all other fees to the standai d Purchase Transaction Category Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate It shows this for each transaction category The Balance Subject to Interest Rate is the average of the daily balances during the billing period Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement A credit balance is money that is owed to you You may make charges against this amount if your Account is open We will send you a refund of any remaining balance of $1 DO or more after 6 months, or as otherwise required by applicable 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 Discoverg'card is issued by Discover Bank, Member FDIC RZNNFSOOI 30212729 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER' DISC VER New Balance 52,415.73 TAMSON M DORSEY 753 SNYDER RD COGAN STATION PA 17728-8412 Minimum Payment Du $49.00 Payment Due 'Dale March 5, 2012 Address, e-mail or telephone change? Go to www.Discover.com or print change in space above e Account Number ending in 8025 Enter Amount Enclosed Below Pay online at www Discover cam or make check payable to Discover Phone and Internet payments must be made by 5 OOpm ET for same day posting PO BOX 71084 CHARLOTTE NC 28272-1084 00000)986458557435175024157300000000004900 Opening Date: January 11, 2012 - Closing Date: February 10, 2012 Discover More Card Account Summary Account number ending in 8025 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $2,437 90 49 00 + 0 00 + 0 00 + 0 00 + 0'00 + 26 83 $2,415 73 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $2,600 00 $184 00 $1,300 00 $184 00 You may be able to ovoid Interest Charges, see Additional Important Information for details Cashback Bonus" Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance To loom mole log :n a! www.Discover.com Anniversary Month September $ 32 40 + 0 00 $ 32.40 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call 1.800 -DISCOVER (1.800-347-2683) Please have your Discover® card available 3 Write to us of Discover, PO Box 30943, Salt Lake City, UT 84130 (Nota payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197-6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449 page 1 of 2 Payment Information New Balance $2,415 73 Minimum Payment Due $49 00 Payment Due Date March 5, 2012 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 17 99% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example If you make no additional charge's using this card and each month you pay t'ou will pay off the balance shown on this statement in about And you will end' up paying an estimated total of'. Only the minimum payment 8 years $3,778 $81 3 years $2,930 (Savings = $848 f you would like information about credit counseling services, call 1-800-347-1121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth more'st'''---find easy ways to earn and redeem cash rewards NEW! Access your account securely through your mobile phone Transactions Payments and Credits Trans. Post Date Date Jan 30 Jan 30 INTERNET PAYMENT. THANK YOU $ -49 00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 InJ029 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS $ 26 83 0 00 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 iI's availoble 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 (Vi20) Discover Baal 1Aembe. FDC PAPER 0310 Transactions (cont.) Trans. Post Date Date Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 26.83 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 TOTAL INTEREST CHARGED IN 2012 30212729 $ 000 53 63 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER' DISC VER ti pays to DISC VER TAMSON M DORSEY Account number ending in 8025 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 RATE (APR) Purchases 12 99% V Cash Advances 23 99% V = Variable Rate BALANCE SUBJECT TO INTEREST RATE $2,431 95 $0 INTEREST CHARGE $26 83 $0 Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report immediately) Call 1.800.347.2683. 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 rnformahon 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 cord, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, all of the following must be true 1 The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50 (Note Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services ) 2 You must have used your credit card For the purchase Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify 3 You must not yet have Fully paid for the purchase If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at Discover, PO Box 30945, Soli 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 en soon as the same day we receive your payment, and you will not receive your check back from your financial institution The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided Payments received in proper form at our processing Facility by 5PM local time on any day will be credited to your Account as of that day Payments received at our processing facility after SPM local time will be credited to your Account as of the next day If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197-6103 Please allow 7-10 days for delivery If your payment is returned unpaid, we reserve the right to resubmit it os an electronic debit 30212729 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 dayof the month) that occurs before your Payment Due Date If your scheduled payment dote falls on a weekend or bank holiday, your payment will be processed the business day prior to (he weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the last Four (4) digits oF the social security number of the primary borrower By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment You can cancel a scheduled payment by phone at 1-800.347.2683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 84130-0421, however we must receive notice at least three business days in advance of the scheduled payment If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U S law You can set automatic payments for (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement IFyour scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance Your automatic payment amount may be less than the amount indicatedonthe periodic statement based on credits or payments after the Closing Date If you enroll by phone in our automatic payment service, please Fill-in the following blanks below and retain the authorization for your records Amount Full Pay _Min Pay ❑ Min Pay + $ ❑ Fixed Pay$ Bonk Routing # Bank Account # Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payments, missed payments, or other defaults on your Account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agencies each month If 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 io impose interest charges on a transaction, fee or interest charge from the day we add it to the daily balance We continue to impose interest charges until you pay the total amount you owe us You can avoid paying interest on Purchases as described below However, you cannot avoid paying interest on Balance Transfers or Cash Advances How to Avoid Paying Interest on Purchases ("Grace Period") If you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement New Purchases are Purchases that first appear on the current billing statement How We Apply Payments May Impact Your Grace Period IF you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases 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 billing period This gives us the interest charges for each Transaction Category To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365 We add up all the doily interest charges The sum is the total interest charge for the billing period How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category We add Cash Advance Fees to the applicable Cash Advance Transaction Category We add all other fees to the standard Purchase Transaction Category Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate It shows this for each transaction category The Balance Subject to Interest Rate is the average of the daily balances during the billing period Credit Balances. 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 DiscoverUcard is issued by Discover Bank, Member FDIC RZNF EnoI 30212729 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683]. DISCOVER DISC VER New Balance $2,39130 TAMSON M DORSEY 753 SNYDER RD COGAN STATION PA 17728-8412 Minimum Payment Du $48.00 Payment Due Date April 5, 2012 Address, e-mail or telephone change2 Go to www.Discover.com or print change in space above e Account Number ending in 8025 Enter Amount Enclosed Below Pay online at www Discover corn or make check payable to Discover Phone and Internet payments must be made by 5 OOpm ET for same day posting PO BOX 71084 CHARLOTTE NC 28272.1084 000001986458557435175023915000049000004800 Opening Date: February 11, 2012 - Closing Date: March 10, 2012 Discover More Card Account Summary Account number ending in 8025 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged Nlew Balance $2,415 73 49 00 + 0 00 + 0 00 + 0 00 + 0 00 + 24 77 $2,391 50 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $2,600 00 $208 00 $1,300 00 $208 00 You may be able to avoid Interest Charges, see Additional Important Information for details Cashback Bonus"' Anniversary Month September Opening Cashback Bonus Balance $ 32 40 New Cashback Bonus This Period + 0 00 Cashback Bonus Balance $ 32.40 To barn ma,e iaa .n a+ www.Discover.com 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call 1 -800 -DISCOVER (1.800.347-2683) Please have your Discover card available 3 Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment.address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197-6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800.347-7449 page 1 of 2 Payment Information New Balance $2,391 50 Minimum Payment Due $48 00 Payment Due Date April 5, 2012 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may hove to pay a late fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 17 99% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example If you make no additional charge's using this card and each month you pay You will pay off the balance shown on this statement :in: about And you will end up :paying an estimated total of . Only the minimum payment 8 years $3,729 $81 3 years $2,901 (Savings = $828 ) f you would like information about credit counseling services, call 1-800-347-1121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth moresm--...find easy ways to earn and redeem cash rewards NEWI Access your account securely through your mobile phone Transactions Payments and Credits Trans. Date Feb 23 Post Date Feb 23 PAYMENT - THANK YOU $ -49 00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS $ 24 77 0 00 0 00 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER` Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadable. password protected statements • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone • Print a paper copy of your statement anytime • Sign up today at Discover.com/paperless 20 )0 DJsvoves Rank Membe, FDC PAPER 031:0 Transactions (cont.) Trans. Post Date Date Interest Charged TOTAL INTEREST FOR THIS PERIOD 24.77 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 TOTAL INTEREST CHARGED IN 2012 30212729 $ 0 00 7840 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2684. DISC•VER DISC VER' it pays to DISC VER TAMSON M DORSEY Account number ending in 8025 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 RATE (Purchases 12 99% V Cash Advances 23 99% V = Variable Rate BALANCE SUBJECT TO INTEREST RATE $2,399 00 $0 INTEREST CHARGE $24 77 $0 Information For You This month, the featured Cashback Bonus(R) Redemption Partner is Bed Bath & Beyond(R) Redeem $20 Cashback Bonus for a $25 Bed Bath & Beyond gift card Need Cash? Whether it's for an unexpected bill or an emergency car repair, Discover(RI card can always help Get cash at ATMs nationwide or have money deposited directly Into your bank account Visit Discover com/cash to find out more For only $3 99 a month Discover(R) Wallet Protection helps notify your card issuers, requests replacement cards, and monitors your credit activity for 90 days if your wallet is ever lost or stolen Visit Discover com/wallet or call 1-866-240-7937 to learn more or to enroll Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report immediately' Call 1-800-347-2683. What To Do If You Think You Find A Mistake On Your Statement If you think therel5 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 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 on error, the following ore true We cannot try to collect the amount in question, or report you as delinquent on that amount The charge in question may remain on your statement, and we may continue to charge you interest on that amount But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount While you do not hove to pay the amount in question, you are responsible for the remainder of your balance We can apply any unpaid amount against your credit limit Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, all of the following must be true 1 The purchase must have been made in your home state or within 100 miles of your current 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 ore met and you are still dissatisfied with the purchase, contact us in writing at Discover, PO Box 30945, Salt Lake City, UT 84130-0945 While we investigate, the same rules apply to the disputed amount as discussed above After we 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 finoncial institution indicated on your check or to process the payment as a check transaction If payment is processed as an electronic fund transfer, the transfer will be for the amount of the check When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day Payments received at our processing facility after 5PM local time will be credited to your Account as of the next cloy 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 30212729 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 serv'ce representative by calling 1-800-347-2683 Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment date (e gthe 15th dayof the month) that occurs before your Payment Due Date If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the last four (4) digits oF the social security number of the primary borrower By providing those numbers as your electronic signature. you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment You can cancel a scheduled payment by phone at 1.800.347-2683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 84130-0421, however we must receive notice at least three business days in advance of the scheduled payment If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U S law You can set automatic payments for (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement IF your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credits or payments after the Closing Date If you enroll by phone in our automatic payment service, please Fill-rn the Following blanks below and retain the authorization for your records Amount ❑ Full Pay ❑ Min Pay ❑ Min Pay + $ ❑ Fixed Pay$ Bank Routing # Bank Account # Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payments, missed payments, or other defaults on your Account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agencies each month If you believe that our report is inaccurate or incomplete, please write us at the following address Discover, PO Box 15316, Wilmington, DE 19850.5316. Please indicate your name, address, home telephone number and Account number Paying Interest: We begin to impose interest charges on a transaction, fee or interest charge from the day we add it to the daily balance We continue to impose interest charges until you pay the total amount you owe us You can avoid paying interest on Purchases as described below However, you cannot avoid paying interest on Balance Transfers or Cosh Advances How to Avoid Paying Interest on Purchases ("Grace Period") If you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement New Purchases are Purchases that first appear on the current billing statement How We Apply Payments May Impact Your Grace Period If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases How We 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 Darty Balance for Each Transaction Category We start with the beginning balance for each day The beginning balance for the first day oF the billing period is your balance on the lost day of your previous billing period We add any interest charges accrued on the previous day's daily balance and any new transactions and fees We add any new transactions or fees as of the later of the Transaction Date or the first day of the billing period 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 Subiect to Interest Rote. Your statement shows a Balance Subject to Interest Rate It shows this for each transaction category The Balance Subject to Interest Rate is the average of the daily balances during the billing period Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement A credit balance is money that is owed to you You may make charges against this amount if your Account is open We will send you a refund of any remaining balance of $1 00 or more after 6 months, or as otherwise required by applicable law For TDD (Telecommunications Device for the Deaf] assistance, please call 1.800.347.7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes The Discoverr'card is issued by Discover Bank, Member FDIC RZNFECO I 30212729 Questions? Visit www.Discover,com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER DISC VER New Balance $2,367.74 TAMSON M DORSEY 753 SNYDER RD COGAN STATION PA 17728-8412 Minimum Payment Due $48.00 Payment Due Date May 5, 2012 Address, e-mail or telephone change2 Go to www.Discover.com or print change in space above Account Number ending in 8025 Enter Amount Enclosed Below Pay online at www Discover corn or make check payable to Discover Phone and Internet payments must be made by 5 OOpm ET for same day posting PO BOX 71084 CHARLOTTE NC 28272-1084 000001986458557435175023677400000000004800 Opening Date: March 11, 2012 - Closing Date: April 10, 2012 Discover More Card Account Summary Account number ending in 8025 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $2,391 50 50 00 + 0 00 + 0 00 • 0 00 + 0 00 + 26 24 $2,367 74 See Interest Charge Calculation section Following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $2,600 00 $232 00 $1,300 00 $232 00 You may be able to avoid Interest Charges, see Additional Important Information for details Cashback Bonus" Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance Ta learn mate jog in ui www.Discover.com Anniversary Month September $ 32 40 + 0 00 $ 32.40 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call 1.800 -DISCOVER (1-800-347-2683) Please have your Discover +'-card available 3 Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197-6103 For TDD (Telecommunications Device For the Deaf) assistance, please call 1-800-347-7449 page 1 of 2 Payment Information New Balance $2,367 74 Minimum Payment Due $48 00 Payment Due Date May 5, 2012 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35 00 and your purchase and balance transfer APRs For new transactions may be increased up to the Penalty APR of 17 99% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example if you make no additional charges using this cord and each month you pay You will pay off the balance shown on this stiatemenf :in about And you will end up paying on estimated total of .. Only the minimum payment 8 years $3,676 $80 3 years $2,872 (Savings = $804 f you would like information about credit counseling services, call 1-800-347-1121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth mores --find easy ways to earn and redeem cash rewards NEWT Access your account securely through your mobile phone Transactions Payments and Credits Trans. Post Date Date Mar 26 Mar 26 INTERNET PAYMENT - THANK YOU $ -50 00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 innsA2719 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS $ 26 24 000 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 its available rather than wait for it to arrive in your mailbox. • Gel helpful payment reminders through e -moil or text messages on your mobile phone • Print a paper copy of your statement anytime • Sign up today at Discover.com/paperless ,620 10 Ciscnve; Bunk fAemb. FDC PAPER 0310 Transactions (cont.) Trans. Post Date Date Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 26.24 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 TOTAL INTEREST CHARGED IN 2012 30212729 $ 0 00 104 64 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCSVER DISC VER ti pays iso DISC VER TAMSON M DORSEY Account number ending in 8025 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 ( L PERCENTAGE ALANCEAPR) INTERESTRSAUTBEJECT TO INTEREST CHARGE RATEPurchases 12 99% V $2,378 43 $26 24 Cash Advances 23 99% $0 $0 V = Variable Rate Information For You Make Your Life A Little Less Stressful There are times in life when it would be nice to put your payments on hold Discover Payment Protection allows you to put your payments on hold up to two years if you experience a qualifying event like unemployment or disability Call 1-888-421-2766 or visit Discover com/paymentprotection to enroll' Checking your credit Does Not affect your score Sign up for Credit ScoreTracker and you'll receive access to your Experian credit score and report Get started today at Discover com/CreditScoreTracker or call 1-866-708-0672 This month, the featured Cashback Bonus(R) Redemption Partner is Bed Bath & Beyond(R) Redeem $20 Cashback Bonus for a $25 Bed Bath & Beyond gift card Additional 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 cord, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, all of the following must be true 1 The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50 (Note Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services) 2 You must have used your credit card for the purchase Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify 3 You must not yet have fully paid for the purchase If all of the criteria above are mei 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 on electronic fund transfer from your occount at the frnancrol institution indicated on your check or to process the payment as a check transaction If payment is processed as an electronic fund transfer, the transfer will be for the amount of the check When we use information from your check to make an electronic fund transfer , funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day Payments received 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 right to resubmit it as an electronic debit 30212729 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 serv,ce representative by calling I-800-347-2683 Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment date (e gthe 15th day of the month) that occurs before your Payment Due Dote If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account 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, (n) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement IFyour scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credits or payments after the Closing Date IF you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records Amount ❑ Full Pay L Mrn Pay ❑ Min Pay + $ ❑ Fixed Pay$ Bank Routing # Bank Account # Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payments, missed payments, or other defaults on your Account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agencies each month IF you believe that our report is inaccurate or incomplete, please write us at the following address Discover, PO Box 15316, Wilmington, DE 19850.5316. Please indicate your name, address, home telephone number and Account number Paying Interest We begin to impose interest charges on a transaction, fee or interest charge from the day we add it to the daily balance We continue to impose interest charges until you pay the total amount you owe us You can avoid paying interest on Purchases as described below However, you cannot avoid paying interest on Balance Transfers or Cosh Advances How to Avoid Paying Interest on Purchates ("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 Purcliases that first appear on the current billing statement How We Apply Payments May Impact Your Grace Period If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases How We Calculate Interest Charges • Daily Balance Method (including current transactions): We calculate interest charges each billing period by First figuring the "daily balance" for each Transaction Category Transaction Categories include standard Purchases, standard Cash Advances and different promotional balances, such as Balance Transfers How We Figure the Daily Balance for Each Transaction Category We start with the beginning balance for each day The beginning balance for the first day of the billing period is your balance on the last day of your previous billing period We add any interest charges accrued on the previous day's daily balance and any new transactions and fees We add any new transactions or fees as of the later of the Transaction Date or the first day of the billing period in which the transaction or fee posted to your Account We subtract any new credits and payments We make other adjustments (including those adlustments required in the "Paying Interest" section) How We Figure Your Total Interest Charges We multiply the daily balance for each Transaction Category by its daily periodic rate We do this for each day in the billing period This gives us the interest charges for each Transaction Category To get a daily periodic rote, we divide the APR that applies to the Transaction Category by 365 We odd up all the doily interest charges The sum is the total interest charge for the billing period How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category We add Cash Advance Fees to the applicable Cash Advance Transaction Category We add all other fees to the standard Purchase Transaction Category Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate It shows this for each transaction category The Balance Subject to Interest Rate is the average of the doily balances during the billing period Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement A credit balance is money that is owed to you You may make charges against this amount if your Account is open We will send you a refund of any remaining balance of $1 00 or more after 6 months, or as otherwise required by applicable law For TDD (Telecommunications Device for the Deaf) assistance, please calf 1.800.347.7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes The Discovere'card is issued by Discover Bank, Member FDIC RZNFECOI 30212729 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-26831. DISCOVER' DISC VER New Balance $2,342.94 TAMSON M DORSEY 753 SNYDER RD COGAN STATION PA 17728-8412 Minimum Payment Due $47.00 Payment Due Dale June 5, 2012 Address, e-mail or telephone change2 Go to www.Discover.com or print change in space above Account Number ending in 8025 Enter Amount Enclosed Below Pay online at www Discover corn or make check payable to Discover Phone and internet payments must be made by 5 OOpm ET for same day posting PO BOX 71084 CHARLOTTE NC 28272-1084 000001986458557435175023429400000000004700 Opening Date: April 11, 2012 - Closing Date: May 10, 2012 Discover More Card Account Summary Account number ending in 8025 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $2,367 74 50 00 + 0 00 + 0 00 + 0 00 + 0 00 + 25 20 $2,342 94 See Interest Charge Calculation section Following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $2,600 00 $257 00 $1,30000 $257 00 You may be able to avoid Interest Charges, see Additional Important Information for details Cashback Bonus'' Opening Coshback Bonus Balance New Coshback Bonus This Period Cashback Bonus Balance To ieorn n,c,e i,, r, e' www.Discover.com Anniversary Month September $ 32 40 + 0 00 $ 32.40 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call 1-8004DISCOVER (1.800-347-2683) Please have your Discoverr'-card available 3 Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197-6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449 page 1 of 2 Payment Information New Balance $2,342 94 Minimum Payment Due $47 00 Payment Due Date June 5, 2012 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 17 99% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example If you make no additional charges using this card and each month you pay You will pay aft the balance shown on this statement in about And you will end up paying an estimated total of Only the minimum payment 7 years $3,623 $79 3 years $2,842 (Savings = $781 ) f you would like information about credit counseling services, call 1-800-347-1121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth moresm'' -----find easy ways to earn and redeem cash rewards NEW' Access your account securely through your mobile phone Transactions Payments and Credits Trans. Post Date Date Apr 29 Apr 29 INTERNET PAYMENT - THANK YOU $ -50 00 fees TOTAL FEES FOR THIS PERIOD $ 0.00 in M427/9 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS $ 25 20 000 0 00 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC•VER' Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadable. password protected 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 ,020 rz Diecm+a.: Lot.k wlembci FDC PAPER 0310 Transactions (cont.) Trans. Post Date Date Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 25.20 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 TOTAL INTEREST CHARGED IN 2012 30212729 $ 0 00 129 84 Questions? Visit www.Discover.com or • call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER DISC VER tt pays to DISC VER TAMSON M DORSEY Account number ending in 8025 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 RATE (APR) Purchases 12 99% V Cash Advances 23 99% V = Variable Rate BALANCE SUBJECT TO INTEREST CHARGE INTEREST RATE $2,359 96 $25 20 $0 $0 Information For You Need Cash? Whether it's for an unexpected bill or an emergency car repair, Discover(R) card can always help Get cash at ATMs nationwide or have money deposited directly into your bank account Visit Discover cam/cash to Find out more Discover(R) Wallet Protection helps notify your card issuers, requests replacement cards, and monitors your credit activity for 90 days if your wallet is ever lost or stolen Visit Discover cam/wallet or call 1.866.240.7937 to learn more or to enroll Identity Theft Protection provides daily 3 -bureau credit report monitoring and alerts you of key changes that may help you identify potential fraud Visit Discover com/itp or call 1-866-515-5302 to learn more or to enroll Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report immediately) Call 1-800-347-2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at Discover, PO Box 30421, Salt Lake City, UT 84130-0421 In your letter, give us the following information Account information Your name and account number Dollar amount The dollar amount of the suspected error Description, of Problem If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake You must contact us within 60 days after the error appeared on your statement You must notify us of any potential errors in writing You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question While we investigate whether or not there has been an error, the following ore true We cannot try to collect the amount in question, or report you as delinquent on that amount The charge in question may remain an 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 hove been more than $50 (Note Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services ) 2 You must have used your credit card for the purchase Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify 3 You must not yet have fully paid for the purchase If all of the criteria above are 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 Dote Send only your payment and the top portion of this statement in the envelope provided Do not send cash By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction If payment is processed as an electronic fund transfer, the transfer will be for the amount of the check When we use information From your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the ore 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 30212729 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 datee g , the 15th dayof the month)that occurs before your Payment Due Date If your scheduled payment date falls on a weekend or bank holiday, your payent will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account You also authorize us to initiate debit or credit entries to your bank account, as applicable, to coirest an error in the processing of such payment You can cancel a scheduled payment by phone at 1.800-347.2683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 84130.0421, however we must receive notice at least three business days in advance of the scheduled payment If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U 5 law You can set automatic payments for (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount IF your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment For that month will be increased to cover the Minimum Payment Due If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement It your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credits or payments after the Closing Date IF you enroll by phone in our automatic payment service, please Fill-in the Following blanks below and retain the authorization for your records Amount ❑ Full Pay ❑ Min Pay ❑ Min Pay + $ ❑ Fixed Pay$ Bank Routing # Bank Account # Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payments, missed payments, or other defaults on your Account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agencies each month IF you believe that our report is inaccurate or incomplete, please write us at the Following address Discover, PO Box 15316, Wilmington, DE 19850.5316 Please indicate your name, address, home telephone number and Account number Paying Interest: We begin to impose interest charges on a transaction, fee or interest charge from the day we add it to the daily balance We continue to impose interest charges until you pay the total amount you owe us You can avoid paying interest on Purchases as described below However, you cannot avoid paying interest on Balance Transfers or Cosh Advances How to Avoid Paying Interest on Purchases ("Grace Period") If you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement New Purchases are Purchases that first appear on the current billing statement How We Apply Payments May Impact Your Grace Period IF you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases How We 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 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 Sublect 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 DO or more ager 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 RZNr EOci 30212729 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER` DISC VER New Balance $2,321.71 TAMSON M DORSEY 753 SNYDER RD COGAN STATION PA 17728-8412 Minimum Payment Due S47.00 Payment Due' Date July 5, 2012 Address, e-mail or telephone change2 Go to www.Discover.com or print change in space above Account Number ending in 8025 Enter Amount Enclosed Below Pay online at www Discover corn or make check payable to Discover Phone and Internet payments must be made by 5 OOpm ET for same day posting • PO BOX 71084 CHARLOTTE NC 28272-1084 000001986458557435175023217100000000004700 Opening Date: May 11, 2012 - Closing Date: June 10, 2012 Discover More Card Account Summary Account number ending in 8025 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $2,342 94 47 00 + 0 00 + 0 00 + 0 00 + 0 00 + 25 77 $2,321 71 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $2,600 00 $278 00 $1,300 00 $278 00 You may be able to avoid Interest Charges, see Additional Important Information for details Cashback Bonus"' Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance To leorn more Ina :n a+ www.Discover.com Anniversary Month September $ 32 40 + 0 00 $ 32.40 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call 1.800 -DISCOVER (1-800-347-2683) Please have your Discovertcard available 3 Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197-6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449 page 1 of 2 Payment Information New Balance $2,321 71 Minimum Payment Due $47 00 Payment Due Date July 5, 2012 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 17 90% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more In interest and it will take you longer to pay off your balance For example IP you make ria additional charges using this card and each month you pay You will pay off the balance shown on this statement 'in about And you will end up paying an estimated total of Only the minimum payment 7 years $3,577 $78 3 years $2,816 (Savings = $761 ) f you would like information about credit counseling services, call 1-800-347-1 121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth mareSM ---find easy ways to earn and redeem cash rewards NEWt Access your account securely through your mobile phone Transactions Payments and Credits Trans. Post Date Date May 29 May 29 INTERNET PAYMENT - THANK YOU -4700 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 b3,35242719 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS $ 25 77 0 00 0 00 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC•VER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadable, password protected 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 cnyttme • Sign up today at Discaver.com/paperless 20i 0 Dinov_. Bank 1Aemhei FOC PAPER 03 t U Transactions (cont.) Trans. Post Date Date Interest Charged TOTAL INTEREST FOR THIS PERIOD 5 25.77 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 TOTAL INTEREST CHARGED IN 2012 30212729 $ 000 155 61 Questions? Visit www.Discover.com or call 1.800 -DISCOVER (1-800-347-2683). DISCOVER' DISC VER It pays to DISC VER TAMSON M DORSEY Account number ending in 8025 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 RATE (APR) Purchases 12 99% V Cash Advances 23 99% V = Variable Rate BALANCE SUBJECT TO INTEREST RATE $2,335 73 $0 INTEREST CHARGE $25 77 $0 Information For You This month, the featured Cashback Bonus(R) Redemption Partner is Bed Bath & Beyond(R) Redeem $20 Cashback Bonus for a $25 Bed Bath & Beyond gift card Announcing Pending Transactions! You asked, we listened Cardmembers can now view pending transactions online! Check your purchases in real time to stay connected to your account like never before either online or using your mobile device Log in to your account at Discover corn from your laptop or your mobile device and see for yourself! Need Cash? Whether it's for an unexpected bill or an emergency car repair, Discover(R) cord can always help Get cash at ATMs nationwide or have money deposited directly into your bank account Visit Discover corn/cash to find out more 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 da not hove to pay the amount in question, you are responsible For the remainder of your balance We can apply any unpaid amount against your credit limit Your Rights If You Are Dissatisfied With Your Credit Card Purchases IF you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good Faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, all of the following must be true 1 The purchase must have been made in your home state or within 100 miles of your current 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 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 the check When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided Payments received in proper form at our processing Facility by 5PM local time on any day will be credited to your Account as of that day Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197-6103 Please allow 7-10 days For delivery IF your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit 30212729 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1-800.347.2683 Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment date (e gthe 15th day of the month) that occurs before your Payment Due Date If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment You can cancel a scheduled payment by phone at 1.800.347.2683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 84130.0421, however we must receive notice at least three business days in advance of the scheduled payment If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U S law You can set automatic payments for (i) statement New Balance, (n) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due If the scheduled payment Is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement If your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance Your automatic payment amount may be less than the amount indicated on the periodic statement based on credits or payments after the Closing Date If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records Amount ❑ Full Pay I Min Pay ❑ Min Pay + $ E Fixed Pay$ Bank Routing # Bank Account # Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payments, missed payments, or other defaults on your Account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agencies each month If you believe that our report is inaccurate or incomplete, please write us at the following address Discover, PO Box 15316, Wilmington, DE 19850.5316 Please indicate your name, address, home telephone number and Account number Paying Interest: We begin to impose interest charges on a transaction, fee or interest charge from the day we add it to the daily balance We continue to impose interest charges until you pay the total amount you owe us You con avoid paying interest on Purchases as described below However, you cannot avoid paying interest on Balance Transfers or Cosh Advances How to Avoid Paying Interest on Purchases ("Grace Period") If you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement New Purchases are Purchases that first appear on the current billing statement How We Apply Payments May Impact Your Grace Period If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases How We Calculate Interest Charges • Daily Balance Method (including current transactions): We calculate interest charges each billing period by first figuring the "daily balance" for each Transaction Category Transaction Categories include standard Purchases, standard Cash Advances and different promotional balances, such as Balance Transfers How We Figure the Daily Balance for Each Transaction Category We start with the beginning balance for each day The beginning balance for the first day of the billing period is your balance on the last day of your previous billing period We add any interest charges accrued on the previous day's doily balance and any new transactions and fees We add any new transactions or fees as of the later of the Transaction Date or the first day of the billing period in which the transaction or fee posted to your Account We subtract any new credits and payments 'We make other adlustments (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 DiscoverQ'card is issued by Discover Bank, Member FDIC RZr.Fccot 30212729 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER DISC VER New Balance $2,246.30 TAMSON M DORSEY 753 SNYDER RD COGAN STATION PA 17728-8412 Minimum Payment Due $45.00 Payment Due Date August 5, 2012 Address, e-mail or telephone change2 Go to www.Discover.com or print change in space above Account Number ending in 8025 Enter Amount Enclosed Below Pay online at www Discover cam or make check payable to Discover Phone and internet payments must be made by 5 OOpm ET for same day posting PO BOX 71084 CHARLOTTE NC 28272-1084 000001986458557435175022463000000000004500 Opening Date: June 1 1, 2012 - Closing Date: July 10, 2012 Discover More Card Account Summary Account number ending in 8025 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $2,321 71 100 00 + 0 00 + 0 00 + 0 00 + 0 00 + 24 59 $2,246 30 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $2,600 00 $353 00 $1,300 00 $353 00 You may be able to avoid Interest Charges, see Additional Important Information for details Cashback Bonus' Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance Ta learn mare log to or www.Discover.com Anniversary Month September $ 32 40 + 0 00 $ 32.40 3 Easy Ways to Contact Us I Access your account securely at www.Discover.com 2 Call I.800 -DISCOVER (1-800-347-2683) Please have your Drscoverocard available 3 Write to us of Discover, PO Box 30943, Salt Lake City, UT 84130 (Nor a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197-6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449 page 1 of 2 Payment Information New Balance $2,246 30 Minimum Payment Due $45 00 Payment Due Date August 5, 2012 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 17 99% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example If yo i rna'ke rto additional charges using Ihis card and each month you pay You will pay off the balance shown on this statement in about And you vrill end' up paying an estimated total of'. Only the minimum payment 7 years $3,413 $76 3 years $2,724 (Savings = $689 ) f you would like information about credit counseling services, call 1-800-347-1121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth moreSr"- —find easy ways to earn and redeem cash rewards NEWt Access your account securely through your mobile phone Transactions Payments and Credits Trans. Date Jul 2 Post Date Jul 2 INTERNET PAYMENT - THANK YOU $ -100 00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 I19 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS $ 24 59 0 00 0 00 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC•VER` Paperless statements mean less clutter, more convenience Ecsily cccess up to 24 months of downloadable. password protected statements • See your statement as soon as it's available rather thon 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 _:20 i D DI,eove: ELek M be FDIC PAPER 0310 Transactions (cont.) Trans. Post Date Date Interest Charged TOTAL INTEREST FOR TI -US PERIOD $ 24.59 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 TOTAL INTEREST CHARGED IN 2012 30212729 $ 0 00 180 20 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER' DISC VER ti goys to DISC VER TAMSON M DORSEY Account number ending in 8025 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 RATE (APR) Purchases 12 99% V Cash Advances 23 99% V = Variable Rate BALANCE SUBJECT TO INTEREST RATE $2,303 69 $0 INTEREST CHARGE $24 59 $0 Information For You This month, the featured Cashback Bonus(R) Redemption Partner is Bed Bath & Beyond(R) Redeem $20 Cashback Bonus for a $25 Bed Bath & Beyond gift card Identity Theft Protection provides daily 3 -bureau credit report monitoring and alerts you of key changes that may help you identify potential fraud Visit Discover com/u p or call 1-866.515.5302 to learn more or to enroll Checking your credit Does Not affect your score Sign up for Credit ScoreTracker and you'll receive access to your Experian credit score and report Get started today at Discover com/CreditScoreTracker or call 1-866.708.0672 Additional knportant 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 hove to pay the amount in question While we investigate whether or not there has been an error, the following are true We cannot try to collect the amount in question, or report you as delinquent on that amount The charge in question may remain on your statement, and we may continue to charge you interest on that amount But, if we determine that we made 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 cord account do not qualify 3 You must not yet have fully paid for the purchase If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at Discover, PO Box 30945, Solt Lake City, UT 84130.0945 While we investigate, the same rules apply to the disputed amount as discussed above After we finish our investigation, we will tell you our decision At that point, if we think you owe an amount and you do not pay we may report you as delinquent Payments. You may pay all or part of your Account balance at any time However, you must pay at least the Minimum Payment Due by the Payment Due Date Send only your payment and the top portion of this statement in the envelope provided Do not send cosh By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer From your account at the financial institution indicated on your check or to process the payment as a check transaction If payment is processed as an electronic fund transfer, the transfer will be for the amount of the check When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use on envelope other than the one provided Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197-6103 Please allow 7-10 days for delivery If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit 30212729 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 gthe 15th dayof 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 khe weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment You can cancel a scheduled payment by phone at 1.800-347.2683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 84130.0421, however we must receive notice at least three business days in advance of the scheduled payment If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U 5 law You can set automatic payments for (i) statement New Balance, (n) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due If the scheduled payment *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 the total amount you owe us You can avoid paying interest on Purchases as described below However, you cannot avoid paying interest on Balance Transfers or Cosh Advances How to Avoid Paying Interest on Purchases ("Grace Period") If you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement New Purchases ore Purchases that first appear on the current billing statement How We Apply Payments May Impact Your Grace Period If you do not pay your New Balance in Full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases How We Calculate Interest Charges • Daily Balance Method )including current transactions): We calculate interest charges each billing period by first figuring the "daily balance" for each Transaction Category Transaction Categories include standard Purchases, standard Cash Advances and different promotional balances, such as Balance Transfers How We Figure the Daily Balance For Each Transaction Category We start with the beginning balance for each day The beginning balance for the first day of the billing period is your balance on the last day of your previous billing period We add any interest charges accrued on the previous day's daily balance and any new transactions and fees We 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 pasted to your Account We subtract any new credits and payments We make other adjustments (including those adjustments required in the "Paying Interest" section) How We Figure Your Total Interest Charges We multiply the doily balance for each Transaction Category by its daily periodic rate We do this for each day in the billing period This gives 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 standaid 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 DO 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 UM- EGO i 30212729 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER` DISC VER New Balance $2,226.06 TAMSON M DORSEY 429 S. YORK ST REAR MECHANICSBURG PA 17055-6405 Minimum Payment Du $45.00 Payment Due Dale September 5, 2012 Address, e-mail or telephone changez Go to www.Discover.com or print change in space above e Account Number ending in 8025 Enter Amount Enclosed Below Pay online at www Discover com or make check payable to Discover Phone and Internet payments must be made by 5 OOpm ET for same day posting PO BOX 71084 CHARLOTTE NC 28272-)08h 000001986458557435175022260600000000004500 Opening Date: July 11, 2012 - Closing Date: August 10, 2012 Discover More Card Account Summary Account number ending in 8025 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $2,246 30 45 00 + 0 00 + 0 00 + 0 00 + 0 00 + 24 76 $2.226 06 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $2,600 00 $373 00 $1,300 00 $373 00 You may be able to avoid Interest Charges, see Additional Important Information for details Cashback Bonus"" Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance To lean roar i0 r, vi www.Discover.com Anniversary Month September $ 32 40 + 0 00 $ 32.40 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call 1 -800 -DISCOVER (1-800-347-2683) Please have your Discovere card available 3 Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments. please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197-6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449 page 1 of 2 Payment Information New Balance $2.226 06 Minimum Payment Due $45 00 Payment Due Date September 5, 2012 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 17 99% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example If you make no additional charges using this turd and each month you pay You will pay off the balance shown on this statement in about And you will end up paying an estimated total of .: Only the minimum payment 7 years $3,368 $75 3 years $2,700 (Savings = $668 ) f you would like information about credit counseling services, call 1-800-347-1121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth moresrv'---find easy ways to earn and redeem cash rewards NEWS Access your account securely through your mobile phone Transactions Payments and Credits Trans. Date Aug 1 Post Date Aug 1 INTERNET PAYMENT - THANK YOU $ -4500 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS $ 2476 0 00 0 00 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC•VER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadable: passworc protected statements • See your statement as soon cs it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone • Print o paper copy of your statement anytime • Sign up today at Discover.com/paperless 8,2010 Disco^_; Bunk • FOC PAPER 0310 Transactions (cont.) Trans. Post Date Date Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 24.76 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 TOTAL INTEREST CHARGED IN 2012 30212729 $ 0 00 204 96 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER' DISC VER If pays 10 DISC VER TAMSON M DORSEY Account number ending in 8025 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 L PERCENTAGE RATPurchases 12 99% V Cash Advances 23 99% V = Variable Rate BALANCE SUBJECT TO INTEREST RATE $2,243 80 $0 INTEREST CHARGE $24 76 $0 Information For You This month, the featured Cashback Bonus(R) Redemption Partner is Bed Bath & Beyond(R) Redeem $20 Cashback Bonus for a $25 Bed Bath & Beyond gift card Make your life a little less stressful There are times in life when it would be nice to put your payments on hold Discover Payment Protection allows you to put your payments on hold up to two yeas s if you experience a qualifying event Call 1-888-421-2766 or visit www discover com/paymentprotection to enrolll Identity Theft Protection provides daily 3 -bureau credit report monitoring and alerts you of key changes that may help you identify potential fraud Visit Discover com/itp or call 1-866-515.5302 to learn more or to enroll Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report immediately! Call 1-800-347-2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is 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 io investigate any potential errors and you may have to pay the amount in question While we investigate whether or not there has been on error, the following are true We cannot try to collect the amount in question, or report you as delinquent on that amount The charge in question may remain on your statement, and we may continue to charge you interest on that amount But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount While you do not hove to pay the amount in question, you are responsible for the remainder of your balance We can apply any unpaid amount agamsi your credit (unit Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, all of the following must be true 1 The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50 (Note Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services ) 2 You must have used your credit card for the purchase Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify 3 You must not yet have Fully paid for the purchase If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at Discover, PO Box 30945, Salt Lake City, UT 84130-0945 While we investigate, the same rules apply to the disputed amount as discussed above After we finish our investigation, we will tell you our decision At that point, if we think you owe an amount and you do not pay we may report you as delinquent Payments. You may pay all or part of your Account balance at any time However, you must pay at least the Minimum Payment Due by the Payment Due Date Send only your payment and the top portion of this statement in the envelope provided Do not send cash By sending your check as described above, you authorize us to use information on your check to woke 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, 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 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 30212729 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC•VER You con pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you 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 dayof the month) that occurs before your Payment Due Date If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the last four (4) digits oF the social security number of the primary borrower By providing those numbers as your electronic signature. you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment You can cancel a scheduled payment by phone at 1.800.347.2683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 84130-0421, however we must receive notice at least three business days in advance of the scheduled payment If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U 5 law You can set automatic payments For (i) statement New Balance, (u) statement Minimum Payment Due, (in) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount If your scheduled fixed payment is not enough to cover the Minimum Payment Due 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 a 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 iorocessed 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 h11 -in the following blanks below and retain the authorization for your records Amount ❑ Full Pay _ Min Pay ❑ Mm Pay + $ ❑ Fixed Pay$ Bonk Routing # Bank Account # Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payments, missed payments, or other defaults on your Account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agencies each month If you believe that our report is inaccurate or incomplete, please write us at the Following address Discover. PO Box 15316, Wilmington, DE 19850.5316 Please indicate your name, address, home telephone number and Account number Paying Interest: We begin to impose interest charges on a transaction, fee or interest charge from the day we add it to the daily balance We continue to impose interest charges until you pay the total amount you owe us You can avoid paying interest on Purchases as described below However, you cannot avoid paying interest on Balance Transfers or Cash Advances How to Avoid Paying Interest on Purchases ("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 Purclrases that first appear on the current billing statement How We Apply Payments May Impact Your Grace Period IF you do not pay your New Balance in Full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases How We Calculate Interest Charges • Daily Balance Method (including current transactions): We calculate interest charges each billing period by first figuring the "daily balance" for each Transaction Category Transaction Categories include standard Purchases, standard Cash Advances and different promotional balances, such as Balance Transfers How We Figure the Daily Balance for Each Transaction Category We start with the beginning balance for each day The beginning balance for the first day of the billing period is your balance on the last day of your previous billing period We add any interest charges accrued on the previous day's daily balance and any new transactions and fees We add any new transactions or fees as of the later of the Transaction Date or the first day of the billing period in which the transaction or fee posted to your Account We subtract any new credits and payments We make other 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 'rhe applicable Cash Advance Transaction Category We add all other fees to the standar d Purchase Transaction Category Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate It shows this for each transaction category The Balance Subject to Interest Rate is the average of the daily balances during the billing period Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement A credit balance 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 Discovery card is issued by Discover Bank, Member FDIC RZNtE00I 30212729 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER' DISC VER New Balance $2,205.56 TAMSON M DORSEY 429 S YORK ST REAR MECHANICSBURG PA 17055-6405 Minimum Payment Due S45.00 Payment Due 'Dale October 5, 2012 Address, e-mail or telephone change2 Go to www.Discover.com or print change in space above Account Number ending in 8025 Enter Amount Enclosed Below Pay online at www Discover corn or make check payable to Discover Phone and Internet payments must be mode by 5 OOpm ET for same day posting PO BOX 71084 CHARLOTTE NC 28272-1084 000001986458557435175022055600000000004500 Opening Date: August 11, 2012 - Closing Date: September 10, 2012 Discover More Card Account Summary Account number ending in 8025 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $2,226 06 45 00 + 0 00 + 0 00 + 0 00 + 0 00 + 24 50 $2,205 56 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $2,600 00 $394 00 $1,300 00 $394 00 You may be able to avoid Interest Charges, see Additional Important Information For details Cashback Bonus' Opening Cashback Bonus Balance New Coshback Bonus This Period Cashback Bonus Balance Ta bar„ mare log at o' www.Discover.com Anniversary Month September $ 32 40 + 0 00 $ 32.40 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call 1.800 -DISCOVER (1-800.347-2683) Please have your Discover-cardavailable 3 Write to us of Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197-6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449 page 1 of 2 Payment Information New Balance $2,205 56 Minimum Payment Due $45 00 Payment Due Date October 5, 2012 Late Payment Warning: IF we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35 00 and your purchase and balance transfer APRs for new transactions maybe increased up to the Penalty APR of 17 99% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example If you make no additional charges using this card and each month you pay You will pay off the balance shown :on this statement ;in about And you will end up paying an estimated total of'. Only the minimum payment 7 years $3,324 $74 3 years $2,675 (Savings = $649 ) f you would like information about credit counseling services, call 1-800-347-1121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth moreS4'.......Find easy ways to earn and redeem cash rewards NEWI Access your account securely through your mobile phone Transactions Payments and Credits Trans. Post Date Date Aug 30 Aug 30 INTERNET PAYMENT - THANK YOU $ -45 00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 In30 9 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS $ 24 50 000 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 cs 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 `20 10 D,<cn-.er Bonk Me bei FDC PAPER 0310 Transactions (cont.) Trans. Post Date Date Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 24.50 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 TOTAL INTEREST CHARGED IN 2012 30212729 $ 0 00 229 46 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER DISC VER ti pays to DISC VER TAMSON M DORSEY Account number ending in 8025 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account Current Billing Period: 31 days TYPE Of BALANCE RATE (Ap PERCENTAGE ) Purchases 12 99% V Cash Advances 23 99% V = Variable Rate BALANCE SUBJECT TO INTEREST RATE $2,220 53 $0 INTEREST CHARGE $24 50 $0 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 -5 100, 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 This month, the featured Cashback Bonus(R) Redemption Partner is Bed Bath & Beyond(R) Redeem $20 Cashback Bonus for a $25 Bed Bath & Beyond gift cord Cover up to 100% of college and graduate school costs With Discover(R) Student Loans, you can cover up to 100% of tuition, housing, books and more Visit DiscoverStudentLoans corn or call us a1 1.877.728-3030 to learn more Please use invitation code CTM912 when applying Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the term: 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 Descrrpt:on of Problem If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a 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 hove to pay the amount in question, you are responsible for the remainder of your balance We can apply any unpaid amount against your credit limit Your Rights if You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, all of the following must be true 1 The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50 (Note Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services ) 2 You must have used your credit card for the purchase Purchases made with cash advances From an ATM or with a check that accesses your credit card account do not qualify 3 You must not yet have fully paid for the purchase If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at Discover, PO Box 30945, Salt Lake City, UT 84130-0945 While we investigate, the same rules apply to the disputed amount as discussed above After we finish our investigation, we will tell you our decision At that point, if we think you owe an amount and you do not pay we may report you as delinquent Payments. You may pay all or part of your Account balance at any time However, you must pay at least the Minimum Payment Due by the Payment Due Date Send only your payment and the top portion of this statement in the envelope provided Do not send cash By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer From your account at the financial institution indicated on your check or to process the payment as a check transaction IF payment is processed as an electronic fund transfer, the transfer will be For the amount of the check When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided Payments received in proper fokty,(,o —sing facility by 5PM local time on any day will be credited to your Account as of that day Payments r d cessmg facility after 5PM local time will be credited to your Account as of the next day If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197-6103 Please allow 7.10 days for delivery If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC•VER' You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1.800.347.2683 Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment date (e gthe 15th dayof the month) that occurs before your Payment Due Date If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each 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 84130.0421, however we must receive notice at least three business days in advance of the scheduled payment If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U S law You can set automatic payments for (i) statement New Balance, (n) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement IFyour scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credits or payments after the Closing Date IF you enroll by phone in our automatic payment service, please fill-in the Following blanks below and retain the authorization for your records Amount ❑ Full Pay Min Pay ❑ Min Pay + $ , ❑ Fixed Pay$ Bank Routing # Bank Account # Frequency Credit Reporting. We may report information about your Account to credit bureaus late payments, missed payments, or other defaults on your Account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agencies each month IF you believe that our report is Inaccurate or incomplete, please write us at the following address Discover, PO Box 15316, Wilmington, DE 19850.5316 Please indicate your name, address, home telephone number and Account number Paying Interest: We begin to impose interest charges on a transaction, fee or interest charge from the day we add it to the daily balance We continue to impose interest charges until you pay the total amount you owe us You can avoid paying interest on Purchases as described below However, you cannot avoid paying interest on Balance Transfers or Cosh Advances How to Avoid Paying Interest on Purchases ("Grace Period") If you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement New Purchases are Purchases that first appear on the current billing statement How We Apply Payments May Impact Your Grace Period If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases How We 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 billingperiod This gives us the interest charges for each Transaction Category To get a daily periodic rate, we dividthe 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 RZN',Ecoi 30212729 Questions? Visit www.Discover,com or call 1 -800 -DISCOVER (1-800-347-2683J. DISC•VER" DISC VER New Balance $2,184.07 TAMSON M DORSEY 429 S YORK ST REAR MECHANICSBURG PA 17055-6405 Minimum Payment Due; $44.00 Payment Due Date November 5, 2012 Address, e-mail or telephone change? Go to www.Discover.com or print change in space above Account Number ending in 8025 Enter Amount Enclosed Below Pay online at www Discover corn or make check payable to Discover Phone and internet payments must be made by 5 OOpm ET for some day posting PO BOX 71084 CHARLOTTE NC 28272-1084 000001986458557435175021840700000000004400 Opening Date: September 11, 2012 - Closing Date: October 10, 2012 Discover More Card Account Summary Account number ending in 8025 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $2,205 56 45 00 + 0 00 + 0 00 + 0 00 + 0 00 + 23 51 $2,184 07 See Interest Charge Calculation section Following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $2,600 00 $415 00 $1,300 00 $415 00 You may be able to avoid Interest Charges, see Additional Important Information for details Cashback Bonus' Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance To learn mitare .n vi www.Discover.com r Anniversary Month September $ 32 40 + 0 00 $ 32.40 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call 1.800 -DISCOVER (1-800-347-2683) Please have your Discover card available 3 Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197-6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449 page 1 of 2 Payment Information New Balance $2,184 07 Minimum Payment Due $44 00 Payment Due Date November 5, 2012 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 17 99% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example If you make no additional charges utmg thit card and each month you pay You will pay off the balance shown on this Staternenf in about And you will end up paying an estimated total of Only the minimum payment 7 years $3,477 $74 3 years $2,649 (Savings = $628 ) If you would like information about credit counseling services, call 1-800-347-1121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth mores'v'---find easy ways to earn and redeem cash rewards NEWt Access your account securely through your mobile phone Transactions Payments and Credits Trans. Post Date Date Oct 1 Oct 1 INTERNET PAYMENT - THANK YOU -45 00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 1101q2719 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS $ . 2351 0 00 0 00 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER' Paperless statements mean less clutter, more convenience Eastly 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 1020 i 0 Dixcover honk Membei FDC PAPER 0310 Transactions (cont.) Trans. Post Date Date Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 23.51 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 TOTAL INTEREST CHARGED IN 2012 30212729 $ 0 00 252 97 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISC•VER DISC VER It pays 10 DISC VER TAMSON M DORSEY Account number ending in 8025 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 RATE (APR) Purchases 12 99% V Cash Advances 23 99% V = Variable Rate BALANCE SUBJECT TO INTEREST RATE $2,201 96 $0 INTEREST CHARGE $23 51 $0 Information For You This month, the featured Cashback Bonus(R) Redemption Partner is Bed Bath & Beyond(R) Redeem $20 Cashback Bonus For a $25 Bed Bath & Beyond gift card With a Discover(R) Online Savings Account, you can earn a great rate with convenient access to your funds View and manage your account online or with our mobile app Learn more at Discover com/OSA or call 1.888.728.3212 Member FDIC Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report immediately' Call 1-800-347-2683. What To Do IF You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at Discover, PO Box 30421, Salt Lake City, UT 84130-0421 In your letter, give us the following information Account Information Your name and account number Dollar amount The dollar amount of the suspected error Description of Problem If you think there IS an error on your bill, describe what you believe is wrong and why you believe it is a mistake You must contact us within 60 days after the error appeared on your statement You must notify us of any potential errors in writing You may call us, but if you do we aie not required to investigate any potential errors and you may have to pay the amount in question While we investigate whether or not there has been on error, the following are true We cannot try to collect the amount in question, or report you as delinquent on that amount The charge in question may remain on your statement, and we may continue to charge you interest on that amount But, if we determine that we made a mistake, you 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 hove tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, all of the following must be true 1 The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been mare 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 os delinquent Payments. You may pay all or part of your Account balance at any time However, you must pay at least the Minimum Payment Due by the Payment Due Date Send only your payment and the top portion of this statement in the envelope provided Do not send 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 os the same day we receive your payment, and you will not receive your check back from your financial institution The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided Payments received in proper' form 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 30212729 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 gthe 15th dayof the month) that occurs before your Payment Due Date If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment You can cancel a scheduled payment by phone at 1-800.347.2683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 84130-0421, however we must receive notice at least three business days in advance of the scheduled payment If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U 5 law You can set automatic payments for (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cordmember Agreement It your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance Your automatic 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 Mm Pay ❑ Mm Pay + $ ❑ Fixed Pay$ Bank Routing # Bank Account # Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payments, missed payments, or other defaults on your Account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agencies each month IF you believe that our report is inaccurate or incomplete, please write us at the Following address Discover. PO Box 15316, Wilmington, DE 19850.5316 Please indicate your name, address, home telephone number and Account number Paying Interest: We begin to impose interest charges on a transaction, fee or interest charge from the day we add it to the daily balance We continue to impose interest charges until you pay the total amount you owe us You can avoid paying interest on Purchases as described below However, you cannot avoid paying interest on Balance Transfers or Cosh Advances How to Avoid Paying Interest on Purchases ("Grace Period") If you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement New Purchases are Purc'roses that first appear on the current billing statement How We Apply Payments May Impact Your Grace Period If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may riot get a grace period on new Purchases How We 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 odd any new transactions or fees as of the later of the Transaction Date or the first day of the billing period in which the transaction or fee posted to your Account We subtract any new credits and payments We make other adjustments (including those adjustments required in the "Paying Interest" section) How We Figure Your Total Interest Charges We multiply the daily balance for each Transaction Category by its daily periodic rate We do this for each day in the billing period This gives us the interest charges for each Transaction Category To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365 We add up all the daily interest charges The sum is the total interest charge for the billing period How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category We add Cash Advance Fees to the applicable Cash Advance Transaction Category We add all other fees to the standard Purchase Transaction Category Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate It shows this for each transaction category The Balance Subject to Interest Rate is the average of the daily balances during the billing period Credit Balances. If your Account hos a credit balance, the amount rs 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 30212729 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2684. DISCOVER` DISC VER New Balance 52,164.16 TAMSON M DORSEY 429 S YORK ST REAR MECHANICSBURG PA 17055-6405 Minimum Payment Due $45.00 Payment Due Date December 5, 2012 Address, e-mail or telephone changez Go to www.Discover.com or print change in space above Account Number ending in 8025 Enter Amount Enclosed Below Pay online at www Discover corn or make check payable to Discover Phone and Internet payments must be made by 5 OOpm ET for same day posting PO BOX 71084 CHARLOTTE NC 28272-1084 000001986458557435175021641600000000004500 Opening Date: October 1 1, 2012 - Closing Date: November 10, 2012 Discover More Card Account Summary Account number ending in 8025 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $2,184 07 44 00 + 0 00 + 0 00 + 0 00 + 0 00 + 24 09 $2,164 16 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cosh Advance Credit Line Available $2,600 00 $435 00 $1,300 00 $435 00 You may be able to avoid Interest Charges, see Additional Important Information for details Cashback Bonus' Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance Ta Iron, marc Ioa In a' www.Discover.com Anniversary Month September $ 32 40 + 0 00 $ 32.40 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call I -800 -DISCOVER (1-800.347.26831 Please have your Discover'S'card available 3 Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197-6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449 page 1 of 2 Payment Information New Balance $2,164 16 Minimum Payment Due $45 00 Payment Due Date December 5, 2012 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 17 99% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example If you make no additional charges using this card and each month you pay You will pay off the balance shown on this statement in about And you will end up paying an estimated total of Only the minimum payment 7 years $3,233 $73 3 years $2,625 (Savings = $608 ) f you would like information about credit counseling services, call 1-800-347-1121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth more Sm ---find easy ways to earn and redeem cash rewards NEW Access your account securely through your mobile phone Transactions Payments and Credits Trans. Post Date Date Nov 2 Nov 2 INTERNET PAYMENT - THANK YOU $ -44 00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 'n3092` 9 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS $ 2409 000 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 cs it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone • Print o paper copy of your statement anytime • Sign up today at Discover.com/paperless 0 DO:ra._; Bunk Mem!,., FDIC PAPER 0310 Transactions (cont.) Trans. Post Date Date Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 24.09 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 TOTAL INTEREST CHARGED IN 2012 30212729 $ 0 00 27706 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER DISC VER ti pays to DISC VER TAMSON M DORSEY Account number ending in 8025 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 NEJECT TO INTEREST CHARGEATINTEREST SUBJECT Purchases 12 99% V $2,182 98 $24 09 Cash Advances 23 99% $0 $0 V = Variable Rate Information For You This month, the featured Cashback Bonus(R) Redemption Partner is Bed Bath & Beyond(R) Redeem $20 Cashback Bonus for a $25 Bed Bath & Beyond gift card Y'Iith a Discover(R) Online Savings Account, you can earn a great rate with convenient access to your funds View and manage your account online or with our mobile app Learn more at Discover com/OSA or call 1.888.7283212 Member FDIC Need Castle Whether its for an unexpected bill or an emergency car repair, Discover(R) card can always help Get cash at ATMs nationwide or have money deposited directly into your bank account Visit Discover com/cash to find out more 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 hove to pay the amount in question, you are responsible for the remainder of your balance We can apply any unpaid amount against your credit limit Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, all of the following must be true 1 The purchase must have been made in your home state or within 100 miles of your current 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 I 2 You must have used your credit card for the purchase Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify 3 You must not yet have fully paid for the purchase If all of the criteria above are mei and you are still dissatisfied with the purchase, contact us in writing at Discover, PO Box 30945, Salt Lake City, UT 84130.0945 While we investigate, the same rules apply to the disputed amount as discussed above After we finish our investigation, we will tell you our decision At that point, if we think you owe an amount and you do not pay we may report you os delinquent Payments. You may pay all or part of your Account balance at any time However, you must pay at least the Minimum Payment Due by the Payment Due Date Send only your payment and the top portion of this statement in the envelope provided Do not send 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 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 ore 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 30212729 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1-800-347-2683 Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment date (e gthe 15th dayof the month) that occurs before your Payment Due Date If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature. you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, From your bank account You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment You can cancel a scheduled payment by phone at 1.800.347.2683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 84130-0421, however we must receive notice at least three business days in advance of the scheduled payment IF your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U S law You can set automatic payments For (i) statement New Balance, fir) statement Minimum Payment Due, (iu) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement IFyour scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance Your automatic payment amount 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 E 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 narmolly report the status and payment history of your Account to credit reporting agencies each month If you believe that our report is inaccurate or incomplete, please write us at the following address Discover, PO Box 15316, Wilmington, DE 19850.5316 Please indicate your name, address, home telephone number and Account number Paying Interest We begin to impose interest charges on a transaction, fee or interest charge from the day we add it to the daily balance We continue to impose interest charges until you pay the total amount you owe us You can avoid paying interest on Purchases as described below However, you cannot avoid paying interest on Balance Transfers or Cosh Advances How to Avoid Paying Interest on Purchases ("Grace Period") If you paid the NewBalance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement New Purchases are Purchases that first appear on the current billing statement How We Apply Payments May Impact Your Grace Period IF you do not pay your New Balance 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 adlustments (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 per rod This gives us the interest charges for each Transaction Category To get a daily periodic rote, we divide the APR that applies to the Transaction Category by 365 We add up all the daily interest charges The sum is the total interest charge for the billing period How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category We add Cash Advance Fees to the applicable Cash Advance Transaction Category We add all other fees to the standard Purchase Transaction Category Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate It shows this for each transaction category The Balance Subject to Interest Rate is the average of the daily balances during the billing period Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement A credit balance is money that is owed to you You may make charges against this amount if your Account is open We will send you a refund of any remaining balance of $1 00 or more after 6 months, or as otherwise required by applicable law For TDD (Telecommunications Device for the Deaf) assistance, please call 1.800.347.7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes The Discovere'card is issued by Discover Bank, Member FDIC RZNP ECGI 30212729 Questions? Visit www.Discover.com or cap 1 -800 -DISCOVER (1-800-347-2683). DJSC•VER DISC VER New Balance $2,195.69 TAMSON M DORSEY 429 S YORK ST REAR MECHANICSBURG PA 17055-6405 Minimum Payment Due $44.00 Payment Due Dale January 5, 2013 Address, e-mail or telephone change2 Go to www.Discover.com or print change in space above Account Number ending in 8025 Enter Amount Enclosed Below Pay online at www Discover corn or make check payable to Discover Phone and Internet payments must be made by 5 OOpm ET for same day posting PO BOX 71084 CHARLOTTE NC 28272-1084 000001986458557435175021956900000000004400 Opening Date: November 11, 2012 - Closing Date: December 10, 2012 Discover More Card Account Summary Account number ending in 8025 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $2,164 16 45 00 + 53 00 + 0 00 + 0 00 + 0 00 + 23 53 $2,195 69 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $2,600 00 $404 00 $1,300 00 $404 00 You may be able to avoid Interest Charges, see Additional Important Information for details Cashback Bonuse Anniversary Month September Opening Cashback Bonus Balance $ 32 40 New Cashback Bonus This Period + 0 13 Cashbook Bonus Balance $ 32.53 Ti, learn mare ba m a+www.Discover.com 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call I.800•DISCOVER (1-800.347-2683) Please have your Discover® card available 3 Write to us of Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197-6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449 page 1 of 2 Payment Information New Balance $2,195 69 Minimum Payment Due $44 00 Payment Due Date _ January 5, 2013 Late Payment Warning: IF we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35 00 and your purchase and balance transfer APRs For new transactions may be increased up to the Penalty APR of 17 99% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in Interest and it will take you longer to pay off your balance For example Ifyou Mak& no additional charges using this card and each month you pay You will pay df the balance shown on this statement in about And you will end up paying an estimated total of . Only the minimum payment 7 years $3,303 $74 3 years $2.663 (Savings = $640 ) f you would like information about credit counseling services, call 1-800-347-1121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth moreSne_.. find easy ways to earn and redeem cash rewards NEWt Access your account securely through your mobile phone Transactions Payments and Credits Trans. Date Dec 2 Post Date Dec 2 INTERNET PAYMENT - THANK YOU $ .45 00 Gasoline Nov 17 Nov 17 0195 SHEETZ MECHANICSBURGPA $ 53 00 F 0212729 TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 23 53 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC•VER' Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadable; password protected statements • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone • Print o paper copy of your statement anytime • Sign up today at Discover.com/paperless .<2010 DIscove. Bank raembet FDC PAPER 0310 Transactions (cont.) Interest Charged Trans. Post Date Date INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD $ 0 00 0 00 23.53 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 TOTAL INTEREST CHARGED IN 2012 30212729 0 00 300 59 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER' DISC VER pews to DISC VER TAMSON M DORSEY Account number ending in 8025 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 RATE (APR) Purchases 12 99% V Cash Advances 23 99% V = Variable Rate BALANCE SUBJECT TO INTEREST RATE $2,204 42 $0 INTEREST CHARGE $23 53 $0 Information For You This month, the featured Cashback Bonus(R) Redemption Partner is Bed Bath & Beyond(R) Redeem $20 Cashback Bonus For a $25 Bed Bath & Beyond gift card With a Discover(R) Online Savings Account, you can earn a great rate with convenient access to your funds View and manage your account online or with our mobile app Learn more at Discover com/OSA or call 1.888.728-3212 Member FDIC Need Cash? Whether it's for an unexpected bill of an emergency car repair, Discover(R) card can always help Get cash at ATMs nationwide or have money deposited directly into your bank account Visit Discover com/cash to find out more Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report immediately' Call I-800-347.2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at Discover, PO Box 30421, Salt Lake City, UT 84130.0421 In your letter, give us the following information Account information Your name and account number Dollar amount The dollar amount of the suspected error Description of Problem If you think there is on error on your bill, describe what you believe is wrong and why you believe it is a mistake You must contact us within 60 days after the error appeared on your statement You must notify us of any potential errors in writing You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question While we investigate whether or not there has been on error, the following are true We cannot try to collect the amount in question, or report you as delinquent on that amount The charge in question may remain on your statement, and we may continue to charge you interest on that amount But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount While you do not hove to pay the amount in question, you are responsible for the remainder of your balance We con apply any unpaid amount against your credit limit Your Rights If You Are Dissatisfied With Your Credit Card Purchases IF you are dissatisfied with the goods or services that you have purchased with your credit cord, and you have tried in good Faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, all of the following must be true 1 The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50 (Note Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services ) 2 You must have used your credit card for the purchase Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify 3 You must not yet have fully paid for the purchase If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at Discover, PO Box 30945, Salt Lake City, UT 84130.0945 While we investigate, the same rules apply to the disputed amount as discussed above After we finish our investigation, we will tell you our decision At that point, if we think you owe an amount and you do not pay we may report you as delinquent Payments. You may pay all or part of your Account balance at any time However, you must pay at least the Minimum Payment Due by the Payment Due Date Send only your payment and the top portion of this statement in the envelope provided Do not send cash By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction If payment is processed as an electronic fund transfer, the transfer will be for the amount of the check When we use information From your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the ore 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 30212729 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC•VER' You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1-800-347-2683 Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment dote (e gthe 15th dayof the month) that occurs before your Payment Due Date If your scheduled payment date falls an a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the Iasi 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 5 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 a 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 ❑ Mm Pay + $ , ❑ Fixed Pay$ Bank Routing # Bank Account # Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payments, missed payments, or other defaults on your Account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agencies each month IF you believe that our report is inaccurate or incomplete, please write us at the following address Discover, PO Box 15316, Wilmington, DE 19850.5316 Please indicate your name, address, home telephone number and Account number Paying Interest: We begin to impose interest charges on a transaction, fee or interest charge from the day we add it to the daily balance We continue to impose interest charges until you pay the total amount you owe us You can avoid paying interest on Purchases as described below However, you cannot avoid paying interest on Balance Transfers or Cosh Advances How to Avoid Paying Interest on Purchases ("Grace Period") If you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement New Purchases are Purchases that first appear on the current billing statement How We Apply Payments May Impact Your Grace Period IF you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases How We 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 penod,c rate We do this for each day in the billingperiod This gives us the interest charges for each Transaction Category To get a daily periodic rate, we dividthe 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 30212729 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER [ 1-800-347-2683). DISCOVER DISC VEIZ ACCOUNT SUMMARY Previous Balance $2,195.69 Payments and Credits — $54.00 Purchases + $352.94 Balance Transfers + $0.00 Cash Advances + $0.00 Fees Charged + $0.00 Interest Charged + $26.42 New Balance $2,521.05 See Interest Charge Calculation section following the Transactions section for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cosh Advance Credit Line Available You may be able to avoid interest on Purchases. See reverse for details. $2,600 $78 $1,300 $78 Contact Us Discover. corn 1-800-347-2683 Please make check payable to Discover. You are nearing your credit line; call today to apply for a line increase. Phone and internet payments must be made by 5:00pm ET for same day posting. Make Check payable to Discover Please fold on the perforation below, detach and retum with your payment Discover More Card Account number ending in 8025 Open Dote: Dec 11, 2012- Close Date: Jan 10, 2013 Cardmember Since 2008 Page 1 of 4 PAYMENT INFORMATION New Balance Minimum Payment Due Payment Due Dote $2,521.05 551.00 February 5, 2013 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35.00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 17.99% variable. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will lake you longer to pay off your balance. For example: tf ou niter n.'o y dditronu ,ehorges? vsiog this'cosdi and melt trbnlli You wit pay off the ballartce ftow�t antkis :slafeittetiti in +about;.,; Only the minimum payment ' 9 years $85 3 years AndYou* IFeid tt paying att esiiptsire 1ofai $4,118 $3,058 (Savings= $1,060) f you would like information about credit counseling services, call 1-800-347-1121. REWARDS Cashback Bonus® Opening Balance New Cashback Bonus This Period Everywhere Else + $ Redeemed This Period — $ Cashback Bonus Balance To learn more, log in at Discover.com Anniversary Month September $ 32.53 0.85 0.00 $ 33.38 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Payment Coupon Please yin DDS faid;:idip or.xtcrpl ';. :Pay Online Pay by Phone 14300,347-2683' :llllll11 lllli" II"IIIIIII'III''I ii III 'I"Ill TAMSON M DORSEY 429 S YORK ST REAR MECHANICSBURG PA 17055-6405 302 lama 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 00000198.6458557435175025210500173680005100 Account number ending in 8025 Minimum Payment Due $51.00 New Balance $2,521.05 Payment Due Date Amount enclosed PO BOX 71084 CHARLOTTE NC 28272-1084 February 5, 2013 is l��ll' II I Ill;l,; llll!�Il�I I ii 'I IIIII'll ( TAMSON M DORSEY Account number ending in 8025 Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately) Coll 1-800-347-2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is on error on your statement, write to us at: Discover, PO Box 30421, Salt Lake City, UT 84130-0421. You must write to us within 60 days after the error appeared on your statement. You may call us, but if you do we ore not required to investigate any potential errors, and you may have to pay the amount in question. The Billing Rights Notice further explains your rights. A copy of this notice is available at www.Discover,com. Payments. You may pay all or part of your Account balance at any time. However, you must pay at least the Minimum Payment Due by the Payment Due Dote. Send only your payment and the bottom portion of this statement 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 transfer from your account at the financial institution indicated on your check or to process the payment as o check transaction. If o payment is processed as on electronic fund transfer, the transfer will be for the amount of the check. When we use information from your check to make on electronic fund transfer, funds may be withdrawn from your account as soon as the some day we receive your payment, and you will not receive your check bock from your financial institution. The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment io any other address or if you use an envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day. Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day. If you hove misplaced your envelope, send your payment io 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. You con pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1-800-347-2683. Automatic payments for the billing period shown 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, unless you request a recurring payment date (e.g., the 15'h day of the month) that occurs before your Payment Due Date or Close Date. If your scheduled payment date falls on o weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the lost 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 bunk to deduct each payment you authorize, in the amount selected by you, from your bank account. You also authorize us io initiate debit or credit entries to your bank account, as applicable, to correct on error in the processing of such payment. You con cancel a scheduled payment by phone ai 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. CHANGE OF ADDRESS Open Date: Dec 11, 2012 - Close Date: Jan 10, 2013 Page 2 of 4 You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. low. You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) Other dollar amount. If your scheduled "Other dollar amount" 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 billing statement based on credits or payments after the Close Date. If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records. Amount: 0 Full Pay 0 Min Pay Lii Min Pay+ $ �] Other Amount$ ; Bonk Routing #: Bank Account # Monthly on the 0 Payment Due Dote 0 Close Dote El Day of month (insert dale) 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 include your name, address, home telephone number and Account number. Paying Interest. Your due dote is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will not charge you any interest on Purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Date or the first day of the billing period in which the transaction posted to your Account. How We Calculate Interest Charges. We Use the Daily Balance Method (including current transactions) to calculate the Balance Subject to Interest Rote, For more information, please call us at 1-800-347-2683. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the doily balances during the billing period. Credit Balances. If your Account hos a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of $1.00 or more after 6 months, or as otherwise required by applicable law, or upon request made io the address in the Contact Us section on page 3 of your billing statement. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® card is issued by Discover Bank, Member FDIC. TL23N If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Street Address City ` 3e1i 29 Home Phone Work Phone Email To make changes to your address, email or telephone number, visit Discover.com Continued on next page DISC VER CONTACT US Web Access your account securely at Discover.com Transactions Payments and Credits Merchandise Gasoline Automotive Supermarkets Mobile Manage your account anytime, anywhere at m.Discover.com Trans. Date Dec 21 Jon 3 Phone 1 -800 -DISCOVER (1-800-347-2683) TDD 1-800-347-7449 Post Date Dec 23 0195 SHEETZ MECHANICSBURGPA Jan 3 INTERNET PAYMENT - THANK YOU Dec 20 Dec 20 Dec 24 Dec 24 Dec 24 Dec 24 Dec 21 Dec 21 Dec 23 Dec 23 Dec 25 Dec 25 Jon 9 Jan 9 Dec 20 Dec 20 Discover More Card Account number ending in 8025 Open Date: Dec 11, 2012 - Close Date: Jon 10, 2013 Page 3 of 4 Inquiry Discover PO Box 30943 Salt Lake City UT 84130 WAL-MART SC - #1886 MECHANICSBURGPA SMOKERS EXPRESS #1401 MECHANICSBURGPA WAL-MART SC - #1886 MECHANICSBURGPA 0195 SHEETZ MECHANICSBURGPA 0195 SHEETZ MECHANICSBURGPA 0195 SHEETZ MECHANICSBURGPA 0195 SHEETZ MECHANICSBURGPA LS MILLER AUTOMOTIVE INC CAMP HILL PA Mail Payments Discover PO Box 6103 Carol Stream IL 60197-6103 S S -10.00 -44.00 41.84 63.52 32.53 50.00 49.00 20,00 25.00 $ 21.20 Dec 24 Dec 24 GIANT 6331 MECHANICSBURGPA 5 21.42 02407R Dec 26 Dec 26 WEIS MARKETS #58 MECHANICSBUR PA • 23.20 Jan 1 Jan 1 GIANT 6331 MECHANICSBURGPA 5.23 00111R Fees TOTAL FEES FOR THIS PERIOD S 0.00 Interest Charged 2013 Totals Year -to -Date INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD TOTAL FEES CHARGED IN 2013 TOTAL INTEREST CHARGED IN 2013 S S S 26.42 0.00 0.00 26.42 0.00 26.42 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 31 clays ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchases 12.99% V $2,393.68 $26.42 Cash Advances 23.99% $0.00 $0.00 V=Variable Rote 30212729 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION TAMSON M DORSEY Account number ending in 8025 More from Discover Open Date: Dec 11, 2012 - Close Date: Jon 10, 2013 Page_4 of 4 Earning Cashback Bonus° is easy when you set up automatic payments for bills like cable, satellite TV, cell phone, insurance, prescriptions, student loans and even health club memberships. Learn more at Discover.com/MyBenefits. Experience the added value your benefits provide Take advantage of the protection your Discover' card comes with, on top of the rewards you earn on every purchase. No fees, no signup—just use your Discover card. Learn more at Discover.com/MyBenefits C2012 Discover Bank, Member FDIC SHPBNDt 11 12 PURCHASE PROTECTION EXTENDED PRODUCT WARRANTY RETURN GUARANTEE PRICE PROTECTION Make their day special with a personalized Discover® gift card. Need a great gift idea? Discover' gift cards are an easy way to give the perfect, personalized gift. • Choose any dollar denomination from $20 to $500 • Customize your gift card with a name and personal message • Accepted at millions of locations • FREE standard shipping Order now at DiscoverGiftCard.com 30212729 ©2012 Discover Bank, Member FDIC DISCOVER GIFT GCO212 DISC VER ACCOUNT SUMMARY Previous Balance $2,521.05 Payments and Credits — $0.00 Purchases + $62.99 Balance Transfers + $0.00 Cash Advances + $0.00 Fees Charged + $25.00 Interest Charged + $28.67 New Balance $2,637.71 See Interest Charge Calculation section following the Transactions section for detailed APR information Credit Line Credit Line Available Cosh Advance Credit Line Cash Advance Credit Line Available You may be able to avoid interest on Purchases. See reverse for details. $2,600 $0 $1,300 $0 Contact Us Discover.com 1-800.347.2683 Please make check payable to Discover. You are overlimit. Pay the sum of the Minimum Payment Due plus the remaining overlimit amount of $37.71. Make Check payable io Discover Please fold on the perforation below, detach and return with your payment Discover More Card Account number ending in 8025 Open Date: Jon 11, 2013- Close Date: Feb 10, 2013 Cardmember Since 2008 PAYMENT INFORMATION New Balance Page 1 of 4 $2,637.71 Minimum Payment Due' Payment Due Date * Includes past due amount of: $125.00 March 5, 2013 $51.00 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35.00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 17.99% variable. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: if you make Iv oddit opoi: charges using: this card end each month pau, flay You will pw off line balance 4howtt on NV ;stats ant in obovt , ,end You wil end ttp oft ort estimated tatul: of ., Only the minimum payment 9 years I $4,285 If you would like information about credit counseling services, call 1-800-347-1121 REWARDS \, Cashback Bonus® Opening Balance New Cashback Bonus This Period Everywhere Else Redeemed This Period Cashback Bonus Balance To learn more, log in at Discover.com Anniversary Month September $ 33.38 0.15 0.00 33.53 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Pciyrnent Coli n `Please .4 :trot fold;; clip a'itrpl�. Pay Online tiisco*rert~z m. Pay by Phone T4300-30-2683 IM-111111111llil'l llll Illllll l�, 11111 ll!I;ll{III TAMSON M DORSEY 429 S YORK ST REAR MECHANICSBURG PA 17055-6405 302112719 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 Account number ending in 8025 Minimum Payment Due $125.00 New Balance $2,637.71 Payment Due Date Amount enclosed PO BOX 71084 CHARLOTTE NC 28272-1084 March 5, 2013 lilll ll lllllllllI li iIIII I' i'Illll 11111IiiIIIi Iuu 000001986458557435175026377100700000012500 TAMSON M DORSEY Account number ending in 8025 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. You must write to us within 60 days after the error appeared on your statement. You may call us, but if you do we are not required to investigate any potential errors, and you may have to pay the amount in question. The Billing Rights Notice further explains your rights. A copy of this notice is available at hops://discover.com/billingrights. 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 bottom portion of this statement 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 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 as an electronic fund transfer, the transfer will be for the amount of the check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use on envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day. Payments received at our processing facility after 5PM local time will be credited to your Account os of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197.6103. Please allow 7.10 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 credited as of the day of receipt if made by 5 PM Eastern time. You con pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you con setup automatic payments through a customer service representative by calling 1-800-347-2683. Automatic payments for the billing period shown 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, unless you request a recurring payment dote (e.g., the 15h day of the month) that occurs before your Payment Due Date or Close Dote. If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the lost 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 io initiate debit or credit entries to your bank account, os applicable, to correct an error in the processing of such payment. You can cancel a scheduled payment by phone a1 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. CHANGE OF ADDRESS Open Date: Jan 11, 2013 - Close Date: Feb 10, 2013 Page 2 of 4 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) Other dollar amount. If your scheduled "Other dollar amount' 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 opplied 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 billing statement based on credits or payments after the Close Date. If you enroll by phone in our automatic payment service, please fill-in the • following blanks below and retain the authorization for your records. Amount: El Full Pay El Min Pay -,Min Pay+ $ 0 Other Amount$ ; Bank Routing #: Bank Account # Monthly on the CI Payment Due Date CI Close Date [] Day of month (insert date) 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 ai the following address: Discover, PO Box 15316, Wilmington, DE 19850.5316. Please include your name, address, home telephone number and Account number. Paying Interest. Your due dote is at least 25 days after the close of each billing period (ai least 23 days for billing periods that begin in February). We will not charge you any interest on Purchases if you pay your entire balance by the due dote each month. We will begin charging interest on Cosh Advances and Balance Transfers as of the later of the Transaction Dote or the first day of the billing period in which the transaction posted to your Account. How We Calculate Interest Charges. We Use the Daily Balance Method (including current transactions) to calculate the Balance Subject to Interest Rate. For more information, please call us at 1-800-347-2683. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rote. It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. Credit Balances. If your Account 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 os otherwise required by applicable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® card is issued by Discover Bank, Member FDIC. TL23N If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Street Address City 3e1 fi29 Home Phone Work Phone Email To make changes to your address, email or telephone number, visit Discover.com Continued on next page DISC VER CONTACT US Web Access your account securely at Discover.com Transactions Merchandise Mobile Manage your account anytime, anywhere at m.Discover.com Trans. Dote Post Date Jan 9 Phone 1 -800 -DISCOVER (1-800-347-2683) TDD 1-800-347-7449 Discover More Card Account number ending in 8025 Open Date: Jan 11, 2013 - Close Date: Feb 10, 2013 Page 3 of 4 Inquiry Discover PO Box. 30943 Salt Lake City UT 84130 Jan 11 SMOKERS EXPRESS #1401 MECHANICSBURGPA Mail Payments Discover PO Box 6103 Carol Stream IL 60197-6103 S 62.99 Fees Interest Charged Feb 5 Feb 5 LATE FEE TOTAL FEES FOR THIS PERIOD INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD $ 25,00 25.00 28.67 0.00 0.00 28.67 2013 Totals Year -to -Date TOTAL FEES CHARGED IN 2013 TOTAL INTEREST CHARGED IN 2013 $ 25.00 $ 55.09 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 31 days TYPE OF BALANCE Purchases Cash Advances V=Variable Rate ANNUAL PERCENTAGE RATE (APR) 12.99% V 23.99% BALANCE SUBJECT TO INTEREST RATE $2,597.88 $0.00 INTEREST CHARGE S28.67 $0.00 30212729 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION TAMSON M DORSEY More from Discover Account number ending in 8025_ _____ Open Date: Jan 11, 2013 • Close Date: Feb 10, 2013 Page 4 of 4 Don't Forget • You con earn 5% Cashback Bonuse at Walmart through ShopDiscoverl Book your travel using Discover and you're covered by NEW Baggage Delay Insurance. If your bogs ore delayed 3 hours or more, you're eligible to be reimbursement up to S500 to replace travel essentials in your luggage! Find out more at Discover.com/Baggage-Delay-Insurance or call 1-800•DISCOVER (1-800-347-2683). Introducing NEW Baggage Delay Insurance. • You've arrived, but your bogs didn't? Replacing the stuff you need can be a hassle! • Book your travel using Discover', and you're covered by NEW Baggage Delay Insurance. • If your bags are delayed 3 hours or more, you're eligible to be reimbursed up to $500 to replace travel essentials in your luggage! Find out more at Discover.cam/Baggage-Delay-Insurance or call 1 -800 -DISCOVER (1-800-347-2683) g.2013 Discover Bank, Member FDIC BDI0213 Send money with your Discover® card to virtually anyone. It's free for you to send. Send money to just about anyone with Money Messenger, a Discover card feature powered by PayPal"". All you need is the recipient's e-mail address or cell phone number. It's free for you to send money to friends, family or even your babysitter! Click the "Send Money" tab at Discover.com/sendmoneynow to learn more. Your auhase APR will apply to funds sent using Money Messenger Please refer to 3021W caeriber Agreement for complete rote information 02013 Discover Bank, Member FDIC MMPI 13 iiedsee DISC VER ACCOUNT SUMMARY Previous Balance Payments and Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance 52,637.71 523.59 $0.00 $0.00 $0.00 S35,00 526.20 $2,675.32 See Interest Charge Calculation sec -tion following the Transactions section for detailed APR information Credit Line Credit Line Available Cosh Advance Credit Line Cosh Advance Credit Line Available You may be able to avoid interest on Purchases. See reverse for details. $2,600 $0 51,300 $0 Contact Us Discover.com Discover More Card Account number ending in 8025 Open Date: Feb 11, 2013- Close Dote: Mor 10, 2013 Cordmember Since 2008 PAYMENT INFORMATION Poge 1 of 4 New Balance Minimum Payment Due Payment Due Date Includes past due amount of: $2,675.32 $207.00 April 5, 2013 $125.00 Late Payment Warning: If we do not receive your minimum payment by the dote listed above, you may have to pay a late fee of up to $35.00 and your purchase ond balance transfer APRs for new transactions may be increased up to the Penalty APR of 17.99% variable. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: 4fro tr IP. to additiOPOCChorgeS *80144y Of he -- 00.9 4h4vgitd andothrnotitfi• 1)01...aeuxishowit og *A ya pay..., staterter1t.irt &Mt, • Only theminimum pay ent , 9 years And ybo wiittrtt paying nt). eoitotti fatal 54,276 f you would like information about credit counseling services, call 1-800-347-1121. REWARDS 1-800-347-2683 j See 'Information For You" section for important information regarding Your Billing Rights. Please make check payable to Discover. You are overlimit. Pay the sum of the Minimum Payment Due plus the remaining overlimit amount of $75.32. Make Check payable to Discover Please fold on the perforation below, detach and return with your payment Cashback Borns® Opening Balance New Coshback Bonus This Period Redeemed This Period Cashback Bonus Balance To learn more, log in at Discover.com $ + S -$ Anniversary Month September 33.53 0.00 0.00 33.53 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION trent 'Coupon Plegs'odp 0011014, clip or ottplo,, Online: Pay by Phone t*pweKtotn: 1406:3026$3 ti 11111111111 'ill pi I 1 1 1111,11 ,1111111, TAMSON M DORSEY 429 S YORK ST REAR MECHANICSBURG PA 17055-6405 302127.28 Internet payments must be received by 5PM ET lo be credited as of the same day Address, e-mail or telephone changed? Note changes on reverse side Account number ending in 8025 Minimum Payment Due $207.00 New Balance $2,675.32 Payment Due Date April 5, 2013 Amount enclosed PO BOX 71084 CHARLOTTE NC 28272-1084 ITIM1'11111'111"11111111 111111111111HH11'IHT1'1111111 000001986458557435175026753200750000020700 TAMSON M DORSEY Account number ending in 8025 Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cords. Report immediately) Call 1-800-347-2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at: Discover, PO Box 30421, Solt Lake City, UT 84130-0421. You must write to us within 60 days after the error appeared on your statement. You may call us, but if you do we are not required to investigate any potential errors, and you may have to pay the amount in question. The Billing Rights Notice further explains your rights. Please see your Cardmember Agreement or visit https://discover.com/billingrights for a copy of this notice. Payments. You may pay all or part of your Account balance at any time. However, you must pay at least the Minimum Payment Due by the Payment Due Dote. Send only your payment and the bottom portion of this statement 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 transfer from your account at the financial institution indicated on your check or to process the payment as a check transoclion. If o payment is processed as on electronic fund transfer, the transfer will be for the amount of the check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account os 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 on electronic debit. Payments mode online or by phone will be credited as of the day of receipt if mode by 5 PM Eastern time. You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you con setup automatic payments through a customer service representative by calling 1-800-347-2683. Automatic payments for the billing period shown on your statement will be deducted on the Payment Due Date shown on that statement, or the next automatic payment dote referred to on your statement, unless you request a recurring payment date (e. ., the 15' day of the month) that occurs before your Payment Due Dote or Close Dote. If your scheduled payment dale falls on weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4) digits of the social security number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeing to this authorization io allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account, You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment. You can cancel o scheduled payment by phone at 1-800-347-2683 or by moil of Discover, PO Box 30421, Solt Loke 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 mode and how much it will be, CHANGE OF ADDRESS Open Date: Feb 11, 2013 • Close Date: Mar 10, 2013 Page 2 of 4 You must ensure that sufficient funds ore available in your bank account, and all transactions must comply with U.S. low. You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) Other dollar amount. If your scheduled "Other dollar amount" 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 billing statement based on credits or payments after the Close Dote. If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records. Amount: Full Poy QMin Pay 0Min Pay+ S Li Other Amount!) ; Bank Routing #: Bank Account # Monthly on the U Payment Due Date El Close Date Day of month (insert date) 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 19650-5316. Please include your name, address, home telephone number and Account number. Paying Interest. Your due dote is of least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will not charge you any interest on Purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cosh Advances and Balance Transfers os of the later of the Transaction Dale or the first day of the billing period in which the transaction posted to your Account. How We Calculate Interest Charges. We Use the Doily Balance Method (including current transactions) to calculate the Balance Subject to Interest Rote. For more information, please call us at 1-800-347-2683. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rote. It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the doily balances during the billing period. Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund ofVony remaining balance of 51.00 or more after 6 months, or as otherwise required by applicable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® cord is issued by Discover Bonk, Member FDIC. TL23N If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Street Address City Aii129 Home Phone L.. Work Phone L Email To make changes to your address, email or telephone number, visit Discover.com Continued on next page DISC VER CONTACT US web Access your account securely at Discover.com Mobile Manage your account anytime, anywhere at m.Discover.com Phone 1-800- DISCOVER (1-800-347-2683) TDD 1-800-347-7449 Discover More Card Account number ending in 8025 Open Date: Feb 11, 2013 - Close Date: Mar 10, 2013 Page 3 of 4 Inquiry Discover PO Box 30943 Salt Lake City UT 84130 Mail Payments Discover PO Box 6103 Carol Stream IL 60197-6103 Transactions Payments and Credits Fees Trans. Date Feb 14 Mar 5 Post Date Feb 14 IDENTITY THEFT PROTECT SETTLEMENT REFUND $ -23.59 (800)347-5538 Mar 5 LATE FEE TOTAL FEES FOR THIS PERIOD 35.00 35.00 Interest Charged 2013 Totals Year -to -Date INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD TOTAL FEES CHARGED IN 2013 TOTAL INTEREST CHARGED IN 2013 26.20 0,00 0.00 26.20 60.00 81.29 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 28 days TYPE OF BALANCE Purchases Cash Advances V=Variable Rate ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO (APR) INTEREST RATE 12.99% V $2,629.27 23.99% $0.00 INTEREST CHARGE $26.20 $0.00 Information For You YourBilling_ Rig tssKeep._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,P0 Box 30421,Salt Lake City, UT 84130-0421. In your letter, give us the following information: • Account information: Your name and account number. • Dollar amount: The dollar amount of the suspected error. • Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us: • Within 60 days after the error appeared on your statement. • At least 3 business days before on 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 on error: • We cannot try to collect the amount in question, or report you as delinquent on that amount. wain question may remain on your statement, and we may continue to charge you interest on that amount. 30 i&Rio not have to pay the amount in question, you are responsible for the remainder of your balance. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION TAMSON M DORSEY Account number ending in 8025 Open Date: Feb 11, 2013 - Close Date: Mar 10, 2013 Page 4 of 4 Information For You ... Continued • We can apply any unpaid omount against your credit limit. After we finish our investigation, one of two things will happen: • If_wemade 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 poy. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the rules above, you do not have to poy the first $50 of the amount you question even if your bill is correct. Your Rights _If_You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must hove been mode in your home state or within 100 miles of your current mailing address, and the purchase price must hove been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we moiled to you, or if we own the company that sold you the goods or services.) 2. You must hove used your credit card for the purchase. Purchases mode with cosh advances from on ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If all of the criteria above ore met and you are still dissatisfied with the purchase, contact us in writing at: Discover PO Box 30945 Salt Lake City, UT 84130-0945 While we investigate, the same rules apply to the disputed amount as discussed above. After we 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. 30212729 DISC VER ACCOUNT SUMMARY Previous Balance $2,675.32 Payments and Credits — $0.00 I Purchases + $0.00 Balance Transfers + $0.00 Cosh Advances + $0.00 Fees Charged + $35.00 Interest Charged + $29.67 New Balance $2,739.99 See Interest Charge Calculation section following the Transactions section for detailed APR information Credit Line $2,600 Credit Line Available SO Cash Advance Credit Line $1,300 Cosh Advance Credit Line Available $0 You may be able to avoid interest on Purchases. See reverse for details. Contact Us Discover.com 1-800-347-2683 Make Check payable to Discover Please fold on the perforation below, detach and return with your payment Discover More Card Account number ending in 8025 Open Dote: Mar 11, 2013- Close Date: Apr 10, 2013 Cardmember Since 2008 Page 1 of 4 PAYMENT INFORMATION New Balance Minimum Payment Due * Payment Due Date " Includes past due amount of: $2,739.99 $292.00 May 5, 2013 $207.00 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35.00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 17.99% variable. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If ycst make no ttddiHOnttl: charges ,4109 thtk car#1 grid each vion; Wit pay.. iYo4willpayofFthe Atsc(youwiltend Ara balar3co shown on this paying, an.es rntsted lotat ; ;sintement 40 about,..; 2 of Only the minimum payment 9 years $4,317 If you would like information about credit counseling services, call 1-800-347-1121. REWARDS ..................... Cashback Bonus® Opening Balance New Coshbock Bonus This Period Redeemed This Period Cashback Bonus Balance To learn more, log in a1 Discover.com +5 —S Anniversary Month September 33.53 0.00 33.53 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Payment Coupon; Please do not fold;,. clip or stapes. Pay Online i isc.:wet om. Pay by Phone f -800.3472683 �Ill�ll,l!�I,OHLll;1.lH.1IIIII;IIIIII;lllII 1111 TAMSON M DORSEY 429 S YORK ST REAR MECHANICSBURG PA 17055-6405 3021127e2a 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 t" Account number ending in 8025 Minimum Payment Due $292.00 New Balance $2,739.99 Payment Due Date Amount enclosed PO BOX 71084 CHARLOTTE NC 28272-1084 III III 000001986458557435175027399900067650029200 May 5, 2013 I lli'' l'I II I� till II I�' ll�l;I l Ill:! Illi 111 j li TAMSON M DORSEY Account number ending in 8025 Important Information See your Cardmember Agreement. Your Card member Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately) Call 1-800-347-2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is on error on your statement, write to us at: Discover, PO Box 30421, Salt Lake City, UT 84130-0421. You must write to us within 60 days after the error appeared on your statement. You may call us, but if you do we are not required to investigate any potential errors, and you may have to pay the amount in question. The Billing Rights Notice further explains your rights. Please see your Cardmember Agreement or visit https://discover.com/billingrights for a copy of this notice. Payments. You may pay all or port of your Account balance at any time. However, you must pay at least the Minimum Payment Due by the Payment Due Date. Send only your payment and the bottom portion of this statement 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 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 as on electronic fundtransfer, the transfer will be for the amount of the information When we use from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon os the same day we receive your payment, and you will not receive your check bock from your financial institution. The processing of your payment may be delayed if you send cosh, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided. Payments received in proper form of our processing 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 on electronic debit. Payments made online or by phone will be credited as of the day of receipt if made by 5 PM Eastern time. 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 coiling 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 statement, or the next automatic payment date referred to on your statement, unless you request a recurring payment date (e.g., the 15t day of the month) that occurs before your Payment Due Date or Close Dale. If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4) digits of the social security number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account. You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1-800-347-2683 or by mail at Discover, PO Box 30421, Solt Lake City, UT 84130-0421; however, we must receive notice 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. CHANGE OF ADDRESS Oen Date: Mar 11 2013 - Close Date: Apr 10, 2013 Page 2.of 4 You must ensure that sufficient funds ore available in your bank account, and all transactions must comply with U.S. law. You con set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) Other dollar amount. If your scheduled 'Other dollar amount' payment is not enough to cover the Minimum Payment Due as listed on your monthly 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 billing statement based on credits or payments after the Close Date. If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records. Amount: 0 Full Pay 0 Min Poy L J Min Poy+ $ 0 Other AmountS ; Bank Routing #: Bank Account # Monthly on the 0 Payment Due Date Li Close Date Day of month (insert date) 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 ai the following address: Discover, PO Box 15316, Wilmington, DE 19850-5316. Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will not charge you any interest on Purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cosh Advances and Balance Transfers as of the later of the Transaction Date or the first day of the billing period in which the transaction posted to your Account. How We Calculate Interest Charges. We Use the Daily Balance Method (including current transactions) to calculate the Balance Subject to Interest Rate. For more information, please call us a1 1-800-347-2683. 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 overage of the doily balances during the billing period. Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges 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, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® cord is issued by Discover Bonk, Member FDIC. TL23N If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Street Address City Home Phone Work Phone 1 Email 3eln i1/129 To make changes to your address, email or telephone number, visit Discover.com Continued on next page DISC VER CONTACT US Web Access your account securely at Discover.com ( Transactions Mobile Manage your account anytime, anywhere at m.Discover.com Discover More Card Account number ending in 8025 Open Date: Mar 11, 2013 - Close Date: Apr 10, 2013 Page 3 of 4 Phone Inquiry Mail Payments 1 -800 -DISCOVER Discover Discover (1-800-347-2683) PO Box 30943 PO Box 6103 TDD 1-800-347-7449 Salt Lake City Carol Stream UT 84130 IL 60197-6103 Trans. Date Past Date Fees Apr 5 Apr 5 LATE FEE $ 35.00 TOTAL FEES FOR THIS PERIOD 35.00 Interest Charged INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD S 29.67 0.00 0.00 29.67 2013 Totals Year -to -Date TOTAL FEES CHARGED IN 2013 TOTAL INTEREST CHARGED IN 2013 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 31 days $ S 95.00 110.96 ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchases 12.99% V $2,689.66 $29.67 Cash Advances 23.99% $0.00 $0.00 V=Variable Rate Information For You For more information about how interest charges are calculated see your Cardmember Agreement or go to www.discover.com/interestchorges 30212729 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION TAMSON M DORSEY Account number ending in 8025 30212729 Open Dote: Mar 11, 2013 - Close pate: Apr 10, 2013 Pale 4 of 4 DISC VER ACCOUNT SUMMARY r 1 Previous Balance $2,739.99 I Payments and Credits — $0.00 Purchases + $0.00 I Balance Transfers + $0.00 ICash Advances + $0.00 Fees Charged + $35.00 Interest Charged + $29.41 New Balance $2,804.40 See Interest Charge Calculation section following the Transactions section for detailed APR information Credit Line $2,600 Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available You may be able to avoid interest on Purchases. See reverse for details. $0 $1,300 SO I Contact Us Discover.com 1-800-347-2683 Make Check payable io Discover Please fold on the perforation below, detach and return with your payment Discover More Card Account number ending in 8025 Open Date: Apr 11, 2013- Close Dote: May 10, 2013 Cardmember Since 2008 PAYMENT INFORMATION New Balance Minimum Payment Due * Payment Due Date * Includes past due amount of: Page 1 of 4 $2,804.40 $377.00 June 5, 2013 $292.00 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35.00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 17.99% variable. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: slag tht cord and each month yo.; pay..,. 'foq will poy off the balance .shown on ;this slatementin about,,.. if you tnoke rte addiifotrol c orget And you will end u paying on esfimoiied to l Only the minimum payment 9 years $4,360 f you would like information about credit counseling services, call 1-800-347-1121. REWARDS ..................... ........ Cashback Bonus® Anniversary Month September Opening Balance $ 0.00 New Cashback Bonus This Period + $ 0.00 Redeemed This Period — S 0.00 Cashback Bonus Balance $ 0.00 To learn more, log in at Discover.com NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Payment Coupon Pleas do oat fald:,::Oip or at rpl.Q . 1"Id" 1111111 Il TAMSON M DORSEY 429 S YORK ST REAR MECHANICSBURG PA 17055-6405 ally Online 01$0, rxotn: ti Pay by Phone t -,800,347•:26831; 3021127e29i 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 Account number ending in 8025 Minimum Payment Due $377.00 New Balance $2,804.40 Payment Due Date Amount enclosed PO BOX 71084 CHARLOTTE NC 28272-1084 �!IlllII 1 1 1 000001986458557435175028044000067000037700 1111 1111111111111') ll�I lit June 5, 2013 111'1'11111 TAMSON M DORSEY Account number en Important Information See your Cardmember Agreement. Your Cord member Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately! Call 1-800-347-2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at: Discover, PO Box 30421, Solt Lake City, UT 84130-0421. You must write to us within 60 days after the error appeared on your statement. You may call us, but if you do we are not required to investigate any potential errors, and you may have to pay the amount in question. The Billing Rights Notice further explains your rights. Please see your Cardmember Agreement or visit https://discover.com/billingrights for o copy of this notice. Payments. You may pay all or part of your Account balance at on time. However, you must pay of least the Minimum Payment Due by the Po mens 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 authorize us io use information on your check to make qn electronic fund transfer tram your account at the financial institution indicated on your check or to process the payment os a check transaction. If a payment is processed as on electronic fund transfer, the transfer will be for the amount of the information When we use from your check to make on electronic fund transfer, funds may be withdrawn from your account as soon as the some day we receive your payment, and you will not receive your check bock from your financial institution. The processing of your payment may be delayed if you send cosh, correspondence or other items with your payment, if you send the payment io any other address or if you use on envelope other than the one provided. Payments received in proper form of our processing facility by 5PM local time on any day will be credited to your Account as of that day. Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day. If you hove misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197.6103.Please allow 710 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as on electronic debit. Payments made online or by phone will be credited as of the day of receipt if made by 5 PM Eastern time. 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 for the billing period shown 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, unless you request a recurring payment date (e.g., the 15* day of the month) that occurs before your Payment Due Date or Close Date. If your scheduled payment dote falls on o weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4) digits of the social security number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account. You also authorize us to initiate debit or credit entries to your bank account, as applicable, 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 moil at Discover, PO Box 30421, Solt Loke 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. in g in025Open Date: Apr 11, 2,013 •Close Date: May, 10, 2013 Pae 2 of 4 CHANGE OF ADDRESS You must ensure that sufficient funds ore available in your bank account, and all tronsadions must comply with U.S. low. You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) Other dollar amount. If your scheduled 'Other dollar amount' 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 Card member 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 billing statement based on credits or payments after the Close 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: L( Full Pay D Min Pay a Min Pay+ S 0 Other AmountS ; Bank Routing #: Bonk Account # Monthly on the 0 Payment Due Dote Li Close Date Cl Day of month (insert date) 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 include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February), We will not charge you any interest on Purchases if you pay your entire balance by the due dale each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Date or the first day of the billing period in which the transaction posted to your Account. How We Calculate Interest Charges. We Use the Doily Balance Method (including current transactions) to calculate the Balance Subject to Interest Rate. For more information, please call us at 1-800-347-2683. Balance Subject to Interest Rate. Your statement shows o Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the doily balances during the billing period. Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of $1.00 or more after 6 months, or as otherwise required by applicable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® card is issued by Discover Bonk, Member FDIC. TL23N If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Street Address City Aii129 Home Phone I Work Phone Email To make changes to your address, email or telephone nu ber, visit Discover.corn Continued on next page DISC VER CONTACT US Web Access your account securely at Discover.com Mobile Manage your account anytime, anywhere at m.Discover.com Phone 1 -800 -DISCOVER (1-800-347-2683) TDD 1-800-347-7449 Discover More Card Account number ending in 8025 Open Date: Apr 11, 2013 - Close Date: May 10, 2013 Page 3 of 4 Inquiry Discover PO Box 30943 Soli Lake City UT 84130 Mail Payments Discover PO Box 6103 Carol Stream IL 60197-6103 Transactions Trans. Date Post Date Fees May 5 May 5 LATE FEE S 35.00 TOTAL FEES FOR THIS PERIOD 35.00 • Interest Charged INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD S 29.41 0.00 0.00 29.41 2013 Totals Year -to -Date TOTAL FEES CHARGED IN 2013 TOTAL INTEREST CHARGED IN 2013 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 30 days TYPE OF BALANCE Purchases Cash Advances V=Variable Rate ANNUAL PERCENTAGE RATE (APR) 12.99% V 23.99% BALANCE SUBJECT TO INTEREST RATE $2,754.17 $0.00 5 130.00 S 140.37 INTEREST CHARGE $29.41 $0.00 Information For You For more information about how interest charges are calculated see your Cardmember Agreement or go to www.discover.comfinterestcharges 30212729 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION TAMSON M DORSEY Account number endin8 in 8025 Open Dote: Apr 11, 2013 Close Date:Moy 10,2013 Pa e 4 of 4 30212729 DISC VER ACCOUNT SUMMARY Previous Balance $2,804.40 Payments and Credits — $0.00 Purchases + $0.00 Balance Transfers + $0.00 Cash Advances + $0.00 Fees Charged + $35.00 Interest Charged + $31.10 New Balance $2,870.50 See Interest Charge Calculation section following the Transactions section for detailed APR information Credit Line $2,600 Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available You may be able to avoid interest on Purchases. See reverse for details. Contact Us Discover.com 1-800-347-2683 Make Check payable to Discover Please fold on the perforation below, detach and return with your payment Discover More Card Account number ending in 8025 Open Date: May 11, 2013- Close Dote: Jun 10, 2013 Cordmember Since 2008 PAYMENT INFORMATION New Balance Minimum Payment Due * Payment Due Date Includes past due amount of: Page 1 of 4 $2,870.50 $464.00 July 5, 2013 $377.00 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35.00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 17.99% variable. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer io pay off your balance. For example: if mdice nottdd+nanolchorgez using thrshcard land each month ` oi?:pay; Yotall;pby off tho:. balance .sIio�.i t oh #his slaternent-in about Mdyou will,endup praying oniesti noted 1olll of Only the minimum payment 9 years S4,402 If you would like information about credit counseling services, call 1-800-347-1 121. J REWARDS Cashback Bonus@ Opening Balance New Coshbock Bonus This Period Redeemed This Period Cashback Bonus Balance To learn more, log in at Discover.com +$ -$ Anniversary Month m; September 0.00 0.00 0.00 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Payment coupon Please do no/ fold, ; :eirp or y Online bi$tove'r orn: Pay by Phone 1.400.-347-2b83 �lll'I I'llll1'lillll1'III"' 1111I`Illllll,l,lli TAMSON M DORSEY 429 S YORK ST REAR MECHANICSBURG PA 17055-6405 30212721/ 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 000001986458557435175028705000166120046400 Account number ending in 8025 Minimum Payment Due $464.00 New Balance $2,870.50 Payment Due Date Amount enclosed PO BOX 71084 CHARLOTTE NC 28272-1084 111111111,1,1 ,11,1 II'llill, July 5, 2013 '111'111 '11 TAMSON M DORSEY Account number ending in 8025 Open Date: May 11, 2013 - Close Date: Jun 10, 2013 Page 2 of 4 Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report imrnediatelyl Coll 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, Soli Lake City, UT 84130-0421. You must write to us within 60 days after the error appeared on your statement. You may call us, but if you do we ore not required to investigate any potential errors, and you may have to pay the amount in question. The Billing Rights Notice further explains your rights. Please see your Cardmember Agreement or visit https://discover.com/billingrights for o copy of this notice. Payments. You may pay all or port of your Account balance at any time. However, you must pay at least the Minimum Payment Due by the Payment Pue Date. Send only your payment and the bottom portion ot this statement in the envelope provided. Do not send cash. If you pay by check, you authorize us to use information on your check to make on electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as o check transaction. If a payment is processed as an electronic fund transfer, the transfer will be for the amount of the check. When we use information from your check to make on electronic fund transfer, funds may be withdrawn from your account os soon os the same day we receive your payment, and you will not receive your check back from your financial institution. The processing of your payment may be delayed if you send cosh, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided, Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day. Payments received at our processing facility after 5PM local time will be credited io your Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197-6103.Please allow 7.10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as on electronic debit. Payments mode online or by phone will be credited as of the day of receipt if made by 5 PM Eastern time. You con pay your monthly Minimum Payment Due, or a greater omount that does not exceed your current Account balance, over the telephone or you con setup automatic payments through a customer service representative by calling 1-800-347-2683. Automatic payments for the billing period shown 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, unless you request a recurring payment date (e.g., the 15°' day of the month) that occurs before your Payment Due Date or Close Date. If your scheduled payment dote falls on o weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the lost 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 vs 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, Solt Lake City, UT 84130-0421; however, we must receive notice at least three business days in advance of the scheduled payment. If your payments moy vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be. CHANGE OF ADDRESS 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) Other dollar amount. If your scheduled "Other dollar amount' 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 io 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 billing statement based on credits or payments after the Close 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 LiMin Pay DMin Pay+ $ 0 Other AmovntS ; Bonk Routing #: Bank Account # Monthly on the 0 Payment Due Dote D Close Date 0 Day of month (insert date) 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 include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will not chorge you any interest on Purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Dole or the first day of the billing period in which the transaction posted to your Account. How We Calculate Interest Charges. We Use the Doily Balance Method (including current transactions) to calculate the Balance Subject to Interest Rote. For more information, please call us at 1-800-347-2683. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rote. It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the doily balances during the billing period. Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of $1.00 or more after 6 months, or as otherwise required by applicable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover@ card is issued by Discover Bank, Member FDIC. TL23N r If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Street Address Home Phone City Work Phone Email To make changes to your address, email or telephone number, visit Discover.com Continued on next page DISC VER CONTACT US Web Access your account securely at Discover.com Transactions Mobile Manage your account anytime, anywhere at m.Discover.com Trans. Date Post Date Phone 1 -800 -DISCOVER (1-800-347-2683) TDD 1-800-347-7449 Discover More Card Account number ending in 8025 Open Date: May 11, 2013 - Close Date: Jun 10, 2013 Page 3 of 4 Inquiry Discover PO Box 30943 Salt Lake City UT 84130 Mail Payments Discover PO Box 6103 Corol Stream IL 60197-6103 Fees Jun 5 Jun 5 LATE FEE TOTAL FEES FOR THIS PERIOD $ 35.00 35.00 Interest Charged INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD S 31.10 0.00 0.00 31.10 2013 Totals Year -to -Date TOTAL FEES CHARGED IN 2013 TOTAL INTEREST CHARGED IN 2013 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 31 days TYPE OF BALANCE Purchases Cash Advances V=Variable Rate ANNUAL PERCENTAGE RATE (APR) 12.99% V 23.99% BALANCE SUBJECT TO INTEREST RATE $2,819.43 $0.00 $ S 165.00 171.47 INTEREST CHARGE 531.10 $0.00 Information For You For more information about how interest charges are calculated see your Cardmember Agreement or go to www.discover.com/interestcharges 30212729 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION TAMSON M DORSEY 30212729 Account number ending in 8025 Open Date: May 11, 2013 - Close Date: Jun 10, 2013 _ Page 4 of 4 DISC VER ACCOUNT SUMMARY Previous Balance j Payments and Credits Purchases Balance Transfers Cosh Advances Fees Charged Interest Charged New Balance $2,870.50 $ 0.00 + $0.00 + $0.00 + $0.00 + $35.00 + $30.80 $2,936.30 See Interest Charge Calculation section following the Transactions section for detailed APR information Credit Line $2,600 Credit Line Available $0 Cash Advance Credit Line $1,300 Cash Advance Credit Line Available $0 You may be able to avoid interest on Purchases. See reverse for details. Contact Us Discover.com 1-800-347-2683 Make Check payable to Discover Please fold on the perforation below, detach and return with your payment Discover More Card Account number ending in 8025 Open Dote: Jun 11, 2013- Close Date: Jul 10, 2013 Cardmember Since 2008 Page 1 of 4 PAYMENT INFORMATION New Balance Minimum Payment Due' Payment Due Dote * Includes past due amount of: $2,936.30 $550.00 August 5, 2013 $464.00 Late Payment Warning: If we do not receive your minimum payment by the dale listed above, you may have to pay a late fee of up to $35.00 and your purchase and balance transfer APRs for new transactions may be increased up io the Penalty APR of 17.99% variable. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If ybu make no odditi r,al chop using thtsc+ad rind eachmaxi) You>pc You wm. pay o the: . shat bo1.gce M an :this staternent irk about;; And +04.4tiettdop poyi . +on esfi:rnt d tokil Only the minimum payment 9 years $4,446 If you would like information about credit counseling services, call 1-800-347-1 121. J REWARDS Cashback Bonus® Opening Balance New Cashback Bonus This Period Redeemed This Period Cashback Bonus Balance To learn more, log in at Discover.com $ +$ _S Anniversary Month September 0.00 0.00 0.00 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Payment Coupon Pay Online Please donot fold; .:clip of staple Digo rertam; Pay by Phone -8,00-.321/-1683 li'�II'l I"*I1I1'II'111111 'illi'. 1I lii'I"Ii. I11i 111! TAMSON M DORSEY 429 S YORK ST REAR MECHANICSBURG PA 17055-6405 3021127e28t 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 Account number ending in 8025 Minimum Payment Due $550.00 New Balance $2,936.30 Payment Due Date Amount enclosed PO BOX 71084 CHARLOTTE NC 28272-1084 August 5, 2013 Ill 11111!.11111 �I!1111'llll�l'll!I IIT li'I' 000001986458557435175029363000128990055000 111IIIIII)'11 TAMSON M DORSEY Account number ending in 8025 Important Information See your Cardmember Agreement. Your Card member Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately) Call 1-800-347-2683. What To Do 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, Soli Lake City, UT 84130-0421. You must write to us within 60 days after the error appeared on your statement. You may call us, but if you do we are not required to investigate any potential errors, and you may hove io pay the amount in question. The Billing Rights Notice further explains your rights. Please see your Cardmember Agreement or visit https://discover.com/billingrights for a copy of this notice. Payments. You may pay all or port of your Account balance at any time. However, you must pay at least the Minimum Payment Due by the Payment Due Date. Send only our payment and the bottom portion of this statement in the envelope proviged. Do not send cash. If you pay by check, you authorize us io use in ormation on your check io make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment os a check transaction. If o payment is processed os on electronic fundtransfer, the transfer will be for the amount of the information When we use from your check to make on electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check bock from your financial institution. The processing of your payment may be delayed if you send cosh, correspondence or other items with your payment, if you send the payment io 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 os of the next day. If you hove misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197.6103.Please allow 7.10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as on electronic debit. Payments mode online or by phone will be credited as of the day of receipt if made by 5 PM Eastern time. You con pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1-800-347-2683. Automatic payments for the billing period shown 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, unless you request a recurring payment date (e.g., the 15t day of the month) 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 processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4) digits of the social security number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bonk account. You also authorize us to initiate debit or credit entries to your bank account, os 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 84130-0421; however, we must receive notice at least three business days in advance ofthe 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. CHANGE OF ADDRESS Open Date: Jun 1 1, 2013 - Close Date: Jul 10, 2013 Page 2 of 4 You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. low. You con set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) Other dollar amount. If your scheduled "Other dollar amount' payment is not enough to cover the Minimum Payment Due as listed on your monthly 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 billing statement based on credits or payments after the Close 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: U Full Pay 0Min Pay L`Min Pay+ S U Other AmountS ; Bank Routing #: Bank Account # Monthly on the Li Payment Due Dote [I Close Date Day of month (insert date) 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 include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (of least 23 days for billing periods that begin in February). We will not charge you any interest on Purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cosh Advances and Balance Transfers as of the later of the Transaction Date or the first day of the billing period in which the transaction posted to your Account. How We Calculate Interest Charges. We Use the Daily Balance Method (including current transactions) to calculate the Balance Subject to Interest Rote. For more information, please call us at 1-800-347-2683. Balance Subject to Interest Rate. Your statement shows o Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. Credit Balances. If your Account hos a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of S1.00 or more after 6 months, or as otherwise required by applicable law, or upon request mode to the address in the Contact Us section on page 3 of your billing statement. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® card is issued by Discover Bank, Member FDIC. TL23N If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Street Address City 361i129 Home Phone Work Phone Email To make changes to your address, email or telephone number, visit Discover.com Continued on next page DISC VER CONTACT US Web Access your account securely at Discover.com Mobile Manage your account anytime, anywhere at m.Discover.com Phone 1 -800 -DISCOVER (1-800-347-2683) TDD 1-800-347-7449 Discover More Card Account number ending in 8025 Open Dote: Jun 11, 2013 - Close Date: Jul 10, 2013 Page 3 of 4 Inquiry Discover PO Box 30943 Salt Lake City UT 84130 Mail Payments Discover PO Box 6103 Carol Stream IL 60197-6103 Transactions Trans. Date Post Date Fees Jul 5 Jul 5 LATE FEE S 35.00 TOTAL FEES FOR THIS PERIOD 35.00 Interest Charged INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD S 30.80 0.00 0.00 30.80 2013 Totals Year -to -Date TOTAL FEES CHARGED IN 2013 TOTAL INTEREST CHARGED IN 2013 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 30 days S 200.00 S 202.27 ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchases 12.99% V $2,885.37 $30.80 Cash Advances 23.99% $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/interestcharges 30212729 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION TAMSON M DORSEY Account number endin8 in 8025 30212729 Open Date: Jun 11, 2013 Close Date: Jul 10, 2013 Page 4 of 4 DISCOVER ACCOUNT SUMMARY Previous Balance $2,936.30 Payments and Credits — $0.00 Purchases + $0.00 Balance Transfers + $0.00 Cash Advances + $0.00 Fees Charged + $35.00 Interest Charged + $32.57 New Balance $3,003.87 See Interest Charge Calculation section following the Transactions section for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available You may be able to avoid interest on Purchases. See reverse for details. $2,600 $0 $1,300 $0 Contact Us Discover.com 1-800-347-2683 J Please make check payable to Discover. You are overlimit. Pay the sum of the Minimum Payment Due plus the remaining overlimit amount of $403.87. Make Check payable to Discover. Please fold on the perforation below, detach and return with your payment. Discover More Card Account number ending in 8025 Open Date: Jul 11, 2013- Close Date: Aug 10, 2013 Cardmember Since 2008 Page 1 of 4 PAYMENT INFORMATION New Balance Minimum Payment Due * Payment Due Date * Includes past due amount of: $3,003.87 $638.00 September 5, 2013 $550.00 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35.00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 17.99% variable. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will lake you longer to pay off your balance. For example: If you make,ho .additional; charges usin this card.and each` month You' You will "paay off the balance shown on`ibis statement in about;.; An you will'end paying an estimated total Only the minimum payment 9 years $4,491 f you would like information about credit counseling services, call 1-800-347-1121. REWARDS Cashback Bonus® Opening Balance New Cashback Bonus This Period Redeemed This Period Cashback Bonus Balance To learn more, log in at Discover.com Anniversary Month September $ 0.00 + $ 0.00 — $ 0.00 $ 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Payment Coupon Please do not fold, clip or staple. Pay Online Discover.com Pity by Phone 1,800.347=2683- 111111"1'11111111"'I'11111111'I'11111111111111111 TAMSON M DORSEY 429 S YORK ST REAR MECHANICSBURG PA 17055-6405 302127,211 Internet payments musi be received by 5PM ET to be credited as of the same day. Address, e-mail or telephone changed? Note changes on reverse side. Account number ending in 8025 Minimum Payment Due $638.00 New Balance $3,003.87 Payment Due Date September 5, 2013 Amount enclosed PO BOX 71084 CHARLOTTE NC 28272-1084 III'1111'111111111111'11111111111"11111'1'111'111'1 1'11111111 000001986458557435175030038700101050063800 TAMSON M DORSEY Account number ending in 8025 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. You must write to us within 60 days after the error appeared on your statement. You may call us, but if you do we are not required to investigate any potential errors, and you may have to pay the amount in question. The Billing Rights Notice further explains your rights. Please see your Cardmember Agreement or visit https://discover.com/billingrights for a copy of this notice. 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 bottom portion of this statement 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 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 as an electronic fundtransfer, the transfer will be for the amount of the information When we use from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day. Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197.6103. Please allow 7.10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. Payments made online or by phone will be credited as of the day of receipt if made by 5 PM Eastern time. You con pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1-800-347-2683. Automatic payments for the billing period shown on your statement will be deducted on the Payment Due Dote shown on that statement, or the next automatic payment date referred to on your statement, unless you request a recurring payment date (e.g., the 15th day of the month) 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 processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4) digits of the social security number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account. You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment. You can cancel o scheduled payment by phone at 1-800-347-2683 or by mail at Discover, PO Box 30421, Salt 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. CHANGE OF ADDRESS Open Date: Jul 11, 2013 - Close Date: Aug 10, 2013 Page 2 of 4 You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. low. You con set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) Other dollar amount. If your scheduled "Other dollar amount" payment is not enough to cover the Minimum Payment Due as listed on your monthly 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 Cord member 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 billing statement based on credits or payments after the Close Date. If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records. Amount: 0 Full Pay 0 Min Pay 0 Min Pay+ $ 0 Other Amount$ ; Bank Routing #: Bank Account # Monthly on the 0 Payment Due Date 0 Close Date 0 Day of month (insert date) 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 include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will not charge you any interest on Purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Date or the first day of the billing period in which the transaction posted to your Account. How We Calculate Interest Charges. We Use the Daily Balance Method (including current transactions) to calculate the Balance Subject to Interest Rate. For more information, please call us at 1-800-347-2683. 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, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover@ card is issued by Discover Bonk, Member FDIC. TL23N If correct on front, do not use. Please print clearly in blue or block ink, in the space provided. Street Address City 381iiT29 Home Phone Work Phone Email To make changes to your address, email or telephone number, visit Discover.com Continued on next page DISC EVER CONTACT US Discover More Card Account number ending in 8025 Open Dote: Jul 11, 2013 - Close Date: Aug 10, 2013 Page 3 of 4 © Web Access your account securely at Discover.com Mobile Manage your account anytime, anywhere at m.Discover.com Phone 1 -800 -DISCOVER (1-800-347-2683) TDD 1-800-347-7449 Inquiry Discover PO Box 30943 Salt Lake City UT 84130 Mail Payments Discover PO Box 6103 Carol Stream IL 60197-6103 Transactions Trans. Date Post Date Fees Aug 5 Aug 5 LATE FEE TOTAL FEES FOR THIS PERIOD 35.00 35.00 Interest Charged INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD 32.57 0.00 0.00 32.57 2013 Totals Year -to -Date TOTAL FEES CHARGED IN 2013 TOTAL INTEREST CHARGED IN 2013 $ 235.00 $ 234.84 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 31 days TYPE OF BALANCE Purchases Cash Advances V=Variable Rate ANNUAL PERCENTAGE RATE (APR) 12.99% V 23.99% BALANCE SUBJECT TO INTEREST RATE $2,952.03 $ 0.00 INTEREST CHARGE $32.57 $0.00 Information For You For more information about how interest charges are calculated see your Cardmember Agreement or go to www.discover.com/interestcharges 30212729 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION TAMSON M DORSEY Account number ending in 8025 Open Date: Jul 11, 2013 - Close Date: Aug 10, 2013 Page 4 of 4 30212729 DISCOVER CARDMEMBER AGREEMENT TL23J.1210 Thank you for choosing Discover® card. This Agreement explains the current terms and conditions of your Account. The enclosed Pricing Schedule is part of this Agreement. Please read this Agreement, including the Pricing Schedule, carefully. Keep them for your records. Contact us if you have any questions. We have included a "Definitions" section for your reference on page 4. ACCEPTANCE OF AGREEMENT You accept this Agreement if you do not cancel your Account within 30 days after receiving a Card. You also accept this Agreement if you or an Authorized User use the Account. You may, however, reject the "Arbitration of Disputes" section as explained in that section. CHANGES TO YOUR AGREEMENT The rates, fees and terms of this Agreement may change from time to time. We may add or delete any term to this Agreement. If required by law, we will give you advance written notice of the change(s) and a right to reject the change(s). We will not charge any fee or interest charge prohibited by law. USING YOUR ACCOUNT Permitted Uses You may use your Account for Purchases, Balance Transfers and Cash Advances. You may not use it for illegal transactions. Authorized Users You may request additional Cards for Authorized Users. You must notify us if you wish to cancel the authority of an Authorized User to use your Account. Joint Accounts If your Account is a joint Account: • each of you agrees to be liable individually and jointly for the entire amount owed on the Account; and • any notice we mail to an address provided by either of you for the Account will serve as notice to both of you. Checks If we provide you with Checks, we will tell you whether we will treat the Check as a Purchase, Balance Transfer or Cash Advance. You may not use these Checks to pay any amount you owe us. Credit Authorizations We may not authorize a transaction for security or other reasons. We will not be liable to you if we decline to authorize a transaction or if anyone refuses your Card, Check or Account number. Credit Lines We will tell you what your Account credit line is. You must keep your Account balance below your Account credit line. If you do not, we may request immediate payment of the amount by which you exceed it. We may establish a lower credit line for Cash Advances. We may increase or decrease your Account credit line or your Cash Advance credit line without notice. We may delay increasing your available credit by the amount of any payment that we receive for up to 10 business days. FEES (See your Pricing Schedule for Additional Fees) Late Fee If you do not pay the Minimum Payment Due by the Payment Due Date, we will charge you a Late Fee. The fee is $25 if you were not charged a Late Fee during any of the prior six billing periods. Otherwise, the fee is $35. This fee will never exceed the Minimum Payment Due that was due immediately prior to the date on which the fee was assessed. Returned Payment Fee If you make a payment that is not honored by your financial institution, we will charge you a Returned Payment Fee even if the payment is honored after we re -submit it. The fee is $25 if you were not charged a Returned Payment Fee during any of the prior six billing periods. Otherwise, the fee is $35. This fee will never exceed the Minimum Payment Due that was due immediately prior to the date on which the payment was returned to us. Returned Check Fee We will charge you a Returned Check Fee each time we decline to 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 EXHIBIT 3 ANNUAL PERCENTAGE RATES ("APRs") (See your Pricing Schedule for the APRs, induding Penalty APRs, that apply to your Account) Variable APRs Your Pricing Schedule may include variable APRs. These APRs are determined by adding the number of percentage points that we specify to the Prime Rate. Variable APRs will increase or decrease when the Prime Rate changes. The APR change will take effect on the first day of the billing period that begins during the same calendar month that the Prime Rate changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due. Penalty APR When It Applies Each time that you do not pay the Minimum Payment Due by the Payment Due Date we may: • terminate any promotional APRs on new transactions; and • increase your APRs for new transactions to Penalty APRs. We will not apply a Penalty APR to Cash Advances. How It Affects Your Account To determine the variable Penalty APR for a new transaction: • We add up to 5 additional percentage points to the otherwise applicable APR. • We set your Penalty APR based on your creditworthiness and other factors. These factors include your current APRs and Account history. • When we first determine the Penalty APR, we use the Prime Rate that is in effect for the billing period in which you did not pay the Minimum Payment Due by the Payment Due Date. EXAMPLE: Assume the promotional rate for Purchases is 2,99% and the standard rate for Purchases is 15.99%. If you pay late, the rate for all new Purchases could increase up to a variable rate of 20.99%. We Will Notify You We will notify you of the date a Penalty APR will take effect. The Penalty APR will only apply to new transactions with a Transaction Date more than 14 days after we provide the notice to you. We May Reduce It We will review your Account from time to time as required by law to determine if any Penalty APR should be reduced. MAKING PAYMENTS Payment Instructions • You must pay us in U.S. dollars. All checks must be drawn on funds on deposit in the U.S. • You must pay us for all amounts due on your Account. This includes charges made by Authorized Users. • We may refuse to accept a payment in a foreign currency. If we do accept it, we will charge your Account our cost to convert it to U.S. dollars. • We can accept late payments, partial payments or payments marked "payment in full" or with any other restrictive endorsement without losing any of our rights under this Agreement. • We credit your payments in accordance with the terms contained on your billing statement. • If you mail your payment to an address other than the address designated on your billing statement, there may be a delay in processing and crediting the payment to your Account. Minimum Payment Due You may pay the entire New Balance shown on your billing statement at anytime. Each billing period you must pay at least the Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be any amount past due plus the greater of: • $40; • 2% of the New Balance shown on your billing statement (plus $40 if the New Balance includes a Balance Transfer balance); or • any Interest Charges and Late Fee shown on your billing statement, plus $20. The Minimum Payment Due may also include amounts by which you exceed your Account credit line. However, it will never exceed the New Balance. When we calculate the Minimum Payment Due, we may subtract from the New Balance certain fees added to your Account during the billing period. The Minimum Payment Due is rounded up to the nearest dollar. How We Apply Payments We apply payments and credits at our discretion, including in a manner most favorable or convenient for us. In all cases, we will apply payments and credits as required by applicable law. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment. INTEREST CHARGES How We Calculate Interest Charges—Daily Balance Method (including current transactions) We calculate interest charges each billing period by first figuring the "daily balance" for each Transaction Category. Transaction Categories include standard Purchases, standard Cash Advances and different promotional balances, such as Balance Transfers. How We Figure the Daily Balance for Each Transaction Category • We start with the beginning balance for each day. The beginning balance for the first day of the billing period is your balance on the last day of your previous billing period. • We add any interest charges accrued on the previous day's daily balance and any new transactions and fees. We add any new transactions or fees as of the later of the Transaction Date or the first day of the billing period in which the transaction or fee posted to your Account. • We subtract any new credits and payments. -2- • We make other adjustments (including those adjustments required in the 'Paying Interest° section). How We Figure Your Total Interest Charges • We multiply the daily balance for each Transaction Category by its daily periodic rate. We do this for each day in the billing period. This gives us the interest charges for each Transaction Category. To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365. • We add up all the daily interest charges. The sum is the total interest charge for the billing period. How We Include Fees We add Balance Transfer Fees to the applicable 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. INTEREST CHARGES Paying Interest When Interest Charges Begin We begin to impose interest charges on a transaction, fee or interest charge from the day we add it to the daily balance. We continue to impose interest charges until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest on Balance Transfers or Cash Advances. How to Avoid Paying Interest on Purchases ("Grace Period") If you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases, or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement. New Purchases are Purchases that first appear on the current billing statement. How We Apply Payments May Impact Your Grace Period If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases. OTHER IMPORTANT INFORMATION Default You are in default if: • you file bankruptcy or another insolvency proceeding is filed by you or against you; • we have a reasonable belief that you are unable or unwilling to repay your obligations to us; • you die or are legally declared incompetent or incapacitated; • you fail to comply with the terms of this Agreement or any Agreement with us or an Affiliate, including failing to make a required payment when due, exceeding your Account credit line or using your Card or Account for an illegal transaction. If you are in default, we may declare the entire balance of your Account immediately due and payable without notice. Collection Costs If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable attorneys' fees, court or other collection costs, and fees and costs of any appeal. Merchant Disputes If you have a dispute with a merchant, you may request a credit to your Account. If we resolve the dispute in your favor, we will issue a credit to your Account. You assign to us your claim for the credited amount against the merchant and/or any third party. At our request, you agree to provide this assignment in writing. Automatic Billing Arrangements You may set up automatic billing with a merchant. If your Account number or Card expiration date changes, you authorize us to provide this updated information to any such merchant at our discretion. You must contact the merchant directly if you wish to stop automatic billing. Our Privacy Policy We send you our Privacy Policy when you open your Account and annually. Contact us or visit Discover.com if you would like a copy. Please read it carefully. It summarizes: • the personal information we collect; • how we safeguard its confidentiality and security; • when it may be shared with others; and • how you can limit our sharing of this information. Reporting to Credit Reporting Agencies We may from time to time review your credit, employment and income records. We may report the status and payment history of your Account to credit reporting agencies and other creditors. We normally report to credit reporting agencies each month. If you believe that information we reported is inaccurate or incomplete, please write us at Discover, PO Box 153t6, Wilmington, DE t9850-5316. Please include your name, address, home phone number and Account number. Our Communications with You You agree that our personnel may listen to or record phone calls between you and our representatives without additional notice to you including calls we make to collect debts. We may use any medium permitted by law including mail, live telephone calls, automated telephone equipment, prerecorded telephone calls, e-mail, text messages and calls to your cell phone (which may be at your expense) to contact you about your Account or to offer you products or services that may be of value to you. If you prefer not to be contacted in one or more of these ways, you must either call us at 1 -800 -DISCOVER (1-800-347-2683) or write to us at Discover, PO Box 30961, Salt Lake City, UT 84130-0961. Please include your name, address and Account number. Unauthorized Use You must notify us immediately if: • your Card is lost or stolen; or • you believe someone is using your Account or a Card without your permission. Cancellation of Your Account • You may cancel your Account. You will remain responsible for any amount you owe us under this Agreement. • Any joint Accountholder may cancel a joint Account. However, -3- both of you will remain responsible for paying all amounts owed. • We may cancel, suspend or not renew your Account at any time without notice. Purchases and Cash Advances in Foreign Currencies If you make a Purchase or Cash Advance in a foreign currency, we will convert it to U.S. dollars using a rate we choose. This rate will either be a government -mandated rate, a government -published rate or the interbank exchange rate, depending on the country and currency in which the transaction is made. We use the rate in effect on the conversion date for the transaction. This rate may be different than the rate in effect on the Transaction Date for the transaction. Governing Law This Agreement is governed by applicable federal law and by Delaware law. Severability If any part of this Agreement is found to be invalid, the rest of it will still remain in effect. However, if the Class Action Waiver in the "Arbitration of Disputes" section is invalidated in any proceeding in which you and we are involved, then the "Arbitration of Disputes" section will be void with respect to that proceeding. Enforcing this Agreement We may delay enforcing or not enforce any of our rights under this Agreement without losing or waiving any of them. Assignment of Account We may sell, assign or transfer your Account or any portion of it without notice to you. You may not sell, assign or transfer your Account without first obtaining our prior written consent. CONTACT US Unless we tell you otherwise, you can notify us: • by phone at 1-800 DISCOVER (1-800-347-2683) or • in writing to Discover, PO Box 30943, Salt Lake City, UT 84130-0943. When writing, please include your name, address, home phone number and Account number. You must contact us within 15 days after changing your e-mail address, mailing address or phone number. DEFINITIONS "Account" means your Discover card account. "Affiliate" means our parent corporations, subsidiaries and affiliates. "Authorized User° means any person you authorize to use your Account or a Card, whether you notify us or not. "Balance Transfer" means a balance transferred from another creditor to your Account. "Card" means any one or more Discover cards issued to you or someone else with your authorization. "Cash Advance" means the use of your Account to: • obtain cash from participating automated teller machines, financial institutions or other locations; • purchase lottery tickets, money orders, casino chips, foreign currency or similar items. "Check" means any check we send to you to access your Account. "Pricing Schedule" means the document entitled, "Pricing Schedule, which lists the APRs that apply to your Account and other important information. "Prime Rate° means the highest rate of interest listed as the U.S. Prime rate in the Money Rates section of The Wall Street Journal on the last business day of the month. "Purchase" means the use of your Account to purchase or lease goods or services at participating merchants. "We," "us" and "our" refer to Discover Bank, the issuer of your Card. "You," "your" or "yours" refer to you and any other person(s) who are also contractually liable under this Agreement. "Transaction Date" means the date shown on your billing statement for a transaction or fee. ARBITRATION Agreement to arbitrate. If a dispute arises between you and us, either may choose to resolve the dispute by binding arbitration, as described below, instead of in court. Any claim (except for a claim challenging the validity or enforceability of this arbitration agreement, including the Class Action Waiver) may be resolved by binding arbitration if either side requests it. This includes claims and disputes relating to any other Account or agreement you have or had with us. THIS MEANS IF EITHER YOU OR WE CHOOSE ARBITRA- TION, NEITHER PARTY SHALL HAVE THE RIGHT TO LITIGATE SUCH CLAIM IN COURT OR TO HAVE A JURY TRIAL. ALSO DISCOVERY AND APPEAL RIGHTS ARE LIMITED IN ARBITRATION. CLASS ACTION WAIVER. ARBITRATION MUST BE ON AN INDIVIDUAL BASIS. THIS MEANS NEITHER YOU NOR WE MAY JOIN OR CONSOLIDATE CLAIMS IN ARBITRATION BY OR AGAINST OTHER CARDMEMBERS, OR LITIGATE IN COURT OR ARBITRATE ANY CLAIMS AS A REPRESENTATIVE OR MEMBER OF A CLASS OR IN A PRIVATE ATTORNEY GENERAL CAPACITY. Only a court, and not an arbitrator, shall determine the validity and effect of the Class Action Waiver. Even if all parties have opted to litigate a claim in court, you or we may elect arbitration with respect to any claim made by a new party or any new claims later asserted in that lawsuit. -4- Your Right to Go To Small Claims Court. We will not choose to arbitrate any claim you bring in small claims court. However, if such a claim is transferred, removed or appealed to a different court, we may then choose to arbitrate. Governing Law and Rules. This arbitration agreement is governed by the Federal Arbitration Act (FAA). Arbitration must proceed only with the American Arbitration Association (AAA) or JAMS. The rules for the arbitration will be those in this arbitration agreement and the procedures of the chosen arbitra- tion organization, but the rules in this arbitration agreement will be followed if there is disagreement ARBITRATION between the agreement and the organization's procedures. If the organization's procedures change after the claim is filed, the procedures in effect when the claim was filed will apply. For a copy of each organization's procedures, tofile a claim or for other information, please contact: • AAA at 335 Madison Ave., Floor 10, New York, NY 10017-5905, www.adr.org (phone 1-800-778-7879) or • JAMS at 620 Eighth Ave., Floor 34, New York, NY 10018, www.jamsadr.com (phone 1-800-352-5267). If both AAA and JAMS are completely unavailable, and if you and we cannot agree on a substitute, then either you or we may request that a court appoint a substitute. Fees and Costs. If you wish to begin an arbitration against us but you cannot afford to pay the organization's or arbitrator's costs, we will pay those costs if you ask us in writing. Any request like this should be sent to Discover, PO Box 30421, Salt Lake City, UT 84130-0421. If you lose the arbitration, the arbitrator will decide whether. you must reimburse us for money we advanced for you for the arbitration. If you win the arbitration, we will not ask for reimbursement of money we advanced. Additionally, if you win the arbitration, the arbitrator may decide that you are entitled to be reimbursed your reasonable attorneys' fees and costs (if actually paid by you). Hearings and Decisions, Arbitration hearings will take place in the federal judicial district where you live. A single arbitrator will be appointed. The arbitrator must: • Follow all applicable substantive law, except when contradicted by the FAA; • Follow applicable statutes of limitations; • Honor valid claims of privilege; • issue a written decision including the reasons for the award. The arbitrator's decision will be final and binding except for any review allowed by the FAA. However, if more than $100,000 was genuinely in dispute, then either you or we may choose to appeal to a new panel of three arbitrators. The appellate panel is completely free to accept or reject the entire original award or any part of it. The appeal must be filed with the arbitration „ organization not later than 30 days after the original award issues. The appealing party pays all appellate costs. The appellate panel may order that the loser of the appeal pay the winner's costs and attorneys' fees. Any arbitration award may be enforced (such as through a judgment) in any court with jurisdiction. Other' Beneficiaries of this Provision. In addition to you and us, the rights and duties described in this - arbitration agreement apply to: our 'Affiliates and our and their officers, directors and employees; any third party co-defendant of a claim subject to this arbitration provision; and all joint Accountholders and Authorized Users of your Account(s). - 5 - . Survival of this Provision. This arbitration provision 'shall survive: • closing of your Account; • voluntary payment of your Account or any part of it; • any legal proceedings to collect money you owe; • any bankruptcy by you; and • any sale by us of your Account. You May Have the Right to Reject Arbitration, You may reject the Arbitration of Disputes section but only if we receive from you a written notice of rejection within 30 days of your receipt of the Card. You must send the notice of rejection to: Discover, PO Box 30938, Salt lake City, UT 84130-093B. Your rejection notice must include your ' name, address, phone number, Account number and 'personal signature. Noone else may sign the rejection notice for you. Your rejection notice also must not be sent with any other correspondence. However, if you previously had the chance to reject an arbitration agreement with us but did not, you may not reject it now. Rejection of arbitration will not affect your other rights or responsibilities under this Agreement or your obligation to aibitrate disputes under any other account as to which you and we have agreed to arbitrate disputes. If you once sent us a rejection notice on a different account or card, you must send us a new rejection notice or else this arbitration agreement will apply to any disputes with us relating to your other accounts or cards. I (Name) VERIFICATION le} 415141(4 ( of DB Servicing Corporation, servicing affiliate of Discover Bank does hereby verify, under penalty of perjury and subject to the penalties of 18 Pa. C.S. § 4904 relating to unsworn falsifications to authorities states, that he/she is a duly authorized representative of plaintiff herein. Additionally, he/she verifies that Discover Bank, f/k/a Greenwood Trust Company, which is an FDIC -insured Delaware state bank, lacks sufficient knowledge or information to verify this amended complaint. He/she verifies that he/she is authorized to make this verification. As an employee of DB Servicing Corporation, he/she has sufficient knowledge and information to make this verification, and consequently verifies that the facts set forth in the foregoing amended complaint are true and correct to the best of his/her knowledge and information and that he/she is personally familiar with the account and the relationship between Discover Bank and DB Servicing Corporation. It is further stated that Discover Bank and DB Servicing Corporation extend credit through issuance of the Discover Card. As the servicing affiliate, DB Servicing Corporation performs a variety of services for Discover Bank, including business management services in support of Discover Bank business lines, including, among other things, credit cards, deposits, personal loans and student loans, customer service, collections, credit risk, collection of delinquent accounts and other support services. The collection of delinquent accounts includes the right to forward the same to the attorneys and/or collection agencies for collection and to file suit on Discover Bank's behalf. Both DB Servicing Corporation and Discover Bank are wholly owned subsidiaries of Discover Financial Services ._.__---- s Date WWR# 30212729 Tamson M Dorsey Account No.: XXXXXXXXXXXX8025 DB Servicing Corporation servicing affiliate For Discover Bank 44 3-titos(0 CERTIFICATE OF SERVICE A true and correct copy of the within Plaintiff's Amended Complaint has been served by U.S. Mail, Postage Pre -Paid, on 30 day of , 2014 upon the following: Michael Pykosh, Esquire 2132 Market St Camp Hill, PA 17011 By: Matthew D. Urban, Esquire