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Supreme Court of,Pennsy n-u,R 30228758 C A Pit SJS Courf C m onP.leas �il Sheet oVer. t ForProthonotaq Use Otih f C UMBERLANIT. � t ,� �r� ,, County Docket No: j 6 I The information collected on this form is used solely for court administration purposes. This form does not supplement or replace the filing and sen-ice of pleadings or other papers as required by law or rules of court. Commencement of Action: S 12f 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 TODD HOSTETTER I 0 Are money damages requested? ® Yes ❑ No Dollar Amount Requested: ® within arbitration limits N I (check one) ❑ outside arbitration limits A Is this a Class Action Suit? 13 Yes 12 No Is this an MDJ Appeal? 13 Yes Q No Name of Plaintiff /Appellant's Attorney: William T. Molczan,47437 ❑ Check here if you have no attorney (are a Self- Represented [Pro Sel Litigant) Nature of the Case: Place an "X" to the left of the ONE case category that most accurately describes your PRIMARY CASE. If you are making more than one type of claim, check the one that you consider most important. TORT (do not include Mass Tort) CONTRACT (do not include Judgments) CIVIL APPEALS ❑ Intentional ❑ Buyer Protection Administrative Agencies ❑ Malicious Prosecution �Ybebt Collection: Credit Card ❑ Board of Assessment ❑ Motor Vehicle ❑ Debt Collection: Other ❑ Board of Elections ❑ Nuisance ❑ Dept. of Transportation S ❑ Premises Liability ❑ Statutory Appeal: Other E [3 Product Liability (does not include E3 Employment Dispute Mass tort) Discrimination C ❑ Slander/Libel/Defamation ❑ Employment Dispute: Other ❑ Zoning Board T ❑ Other: ❑ Other: I ❑ Other: O N MASS TORT ❑ Asbestos B ❑ Tobacco REAL PROPERTY MISCELLANEOUS ❑ Toxic Tort - DES ❑ Ejectment ❑ Common Law /Statutory Arbitration ❑ Toxic Tort — Implant ❑ Eminent Domain/Condemnation ❑ Declaratory Judgment ❑ Toxic Waste ❑ Ground Rent ❑ Mandamus ❑ Other: ❑ Landlord/Tenant Dispute ❑ Non - Domestic Relations ❑ Mortgage Foreclosure: Residential Retraining Order ❑ Mortgage Foreclosure: Commercial ❑ Quo Waranto ❑ Partition ❑ Replevin PROFESSIONAL LIABILITY ❑ Quiet Title ❑ Other: ❑ Dental ❑ Other: ❑ Legal ❑ Medical ❑ Other Professional: Updated 1/1/2011 Ptl 1:49 PEV S YLVA O� , Y IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff No: i cl ssS ci vtl VS. COMPLAINT IN CIVIL ACTION TODD HOSTETTER 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 30228758 C A Pit SJS L f S IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff VS. I Civil Action No TODD HOSTETTER 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's account, which is the subject of this litigation. 4. Defendant is an adult individual(s) residing at 2101 PRINCETON AVE CAMP HILL, PA 17011 5. Defendant applied for and received a credit card bearing the account number XXXXXXXXXXXX1799. 6. Defendant made use of said credit card and has a current balance due of $1927.81. A copy of Plaintiff's STATEMENT is attached hereto, marked as Exhibit 11 7. Defendant is in default by failing to make monthly payments when due. As such, the entire balance is immediately due and payable to Plaintiff. 8. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and /or refused to pay the balance due the Plaintiff. WHEREFORE, Plaintiff prays for Judgment in its favor and against Defendant, TODD HOSTETTER, INDIVIDUALLY, in the amount of $1927.81 and costs. - 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# 30228758 C A Pit SJS DISCOVER Discover More Card Account number ending in 1 799 Open Date: Aug 28, 2013- Close Date: Sep 27, 2013 Cardmember Since 2006 Page 1 of 4 ACCOUNT SUMMARY PAYMENT INFORMATION Previous Balance $1,859.93 New Balance $1,927 *81 Payments and Credits — $0.00 Minimum Payment Due * $638.00 Purchases + $0.00 + Payment Due Date October 22, 2013 Balance Transfers $0.00 * Includes ast due amount of: Cash Advances + $0.00 p 5550.00 Fees Charged + $35.00 Late Payment Warning: If we do not receive your minimum payment by the Interest Charged + $32.88 date listed above, you may have to pay a late fee of up to $35.00 and your New Balance $1,927.81 purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 22.99% 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 $1,900 balance. For example: Credit Line Available $0 IF you make no additional charges You will pay of the And you will end up. '. usmgthis card and each month balance shown on this paying an esitmaW btal Cash Advance Credit Line $500 you P.CI , _ , , statement in about..., of,:: Cash Advance Credit Line Available $0 Only the minimum payment 5 years $2,676 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 July 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 — S 0.00 overlimit amount of $27.81. Cashback Bonus Balance $ 0.00 To learn more, log in at Discover.com Make Check payable to Discover. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Please fold on the perforation below, detach and return with your payment. Payment CouPog, Pay Online Pay by Phone Account number ending in 1799 Please do not fold., clip or staple. Discover.com 1- 800347.2683 Minimum Payment Due $638.00 IIIIIIII'I'I'II' 11111' llillliiiilllllillilllllllll'll "1'111 "III New Balance $1,927.81 Payment Due Date October 22, 2013 TODD HOSTETTER Amount enclosed $ 2101 PRINCETON AVE CAMP HILL PA 1 701 1 -5445 PO BOX 71084 CHARLOTTE NC 28272 -1084 3022UM Internet payments must be received by SPM ET to be credited as of the some day. 1 1 1 1 i 1 11111' I I'IIIIIIII VIII I VIII 'llllllll llllll'llll " Address, e-mail or telephone changed? Note changes on reverse side. EXHIBIT 000001986458480716022019278100320000063800 TODD HOSTETTER Account number ending in 1799 Open Date: Aug 28 2013 - Close Date: Sep 27 2013 Pag 2 of 4 Important Information You must ensure that sufficient funds are available in your bank account, and See your Cardmember Agreement. Your Cordmember Agreement all transactions must comply with U.S. low. contains all the terms of your Account. You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed Lost or stolen cards. Report immediately! Call 1- 800 - 347 -2683. dollar amount, or (iv) Other dollar amount. If your scheduled "Other dollar What To Do If You Think You Find A Mistake On Your Statement amount" payment is not enough to cover the Minimum Payment Due as listed If you think there is an error on your statement, write to us at: Discover, PO on your monthly billing statement, your scheduled payment for that month Box 30421, Salt Lake City, UT 84130 -0421. You must write to us within 60 will be increased to cover the Minimum Payment Due. If the scheduled days after the error appeared on your statement. You may call us, but if you payment is greater than the Minimum Payment Due, any excess will be do we are not required to investigate any potential errors, and you may have applied in accordance with your Cordmember Agreement. If your scheduled to pay the amount in question. The Billing Rights Notice further explains your payment is greater than the New Balance on your billing statement, that rights. Please see your Cardmember Agreement or visit payment will be processed only for the amount of your New Balance. Your https:/ /discover.cQm/billi ng rig his 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 at ony time. If yyou enroll by phone in our automatic payment service, please fill -in the However, you must pay at least the Minimum Payment Duey the I;, merit f Due Date. Send only your payment and the bottom portion of this statement oilowin g blanks below and retain the authorization for your records. in the envel a proyic�ed. Do not send cash. If you R by 4 heck, yo Amount: ❑ Full Pa authoriiz us o use in ormation on your check to make an electronic fund Y 11 Min Pay ❑Min Pay+ $ transfer 71rom your account at the financial institution indicated on your check 11 Other Amount$ ;Bank Routing #: or to process the payment as a check trggnsaction. If a payment is processed 9 as an electronic fi rim transfer, the transfer will be for the amount of the Bank Account # check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same Monthly on the ❑ Payment Due Date ❑ Close Date day we receive your payment, and you will not receive your check back from your financial institution. ❑ Day of month (insert date) The processing of your payment may be delayed if you send cash, Credit Reporting. We may report information about your Account to credit correspondence or other items with your payment, if you send the payment to bureaus. Late payments, missed payments, or other defaults on your Account any other address or if you use an envelope other than the one provided. may be reflected in your credit report. We normally report the status and Payments received in proper form at our processing facility by 5PM local time payment history of your Account to credit reporting agencies each month. If on any day will be credited to your Account as of that day. Payments received you believe that our report is inaccurate or incomplete, please write us at the of our processing facility after 5PM local time will be credited to your Account following address: Discover, PO Box 15316, Wilmington, DE 19850-5316. as of the next day. If you have misplaced your envelope, send your payment Please include your name, address, home telephone number and Account to Discover, PO Box 6103, Carol Stream, IL 60197.6103. Please allow 7.10 number. days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. Payments made online or by phone will be Paying Interest. Your due date is at least 25 days after the close of each credited as of the day of receipt if made by 5 PM Eastern time. billing period (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 wil 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 pa menis for the billing period shown first day of the billing period in which the transaction posted to your Account. on your statement will be deducted on the Payment Due Date shown on that statement, or the next automatic payment date referred to on your statement, How We Calculate Interest Charges. We Use the Daily Balance Method unless you request a recurring payment date (e.g., the 15' day of the month) (including current transactions) to calculate the Balance Subject to Interest that occurs before your Payment Due Date or Close Date_ If your scheduled Rate. For more information, please call us at 1- 800 - 347 -2683. payment date falls on a weekend or bank holiday, your payment will be Balance Subject to Interest Rate. Your statement shows a Balance Subject processed the business day prior le the weekend will bank holiday. In order to to Interest Rate. It shows this for each transaction category. The Balance schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4) Subject to Interest Rate is the overage of the daily balances during the billing digits of the social security number of the primary borrower. By providing period. those numbers as your electronic signature, you will be agreeing to this Credit Balances. If your Account has a credit balance, the amount is shown authorization h allow us and your bank f deduct each payment you on the front of our billing statement. A credit balance is money that is owed authorize, in the amount selected by you, from your bank account. You also y g y authorize us to initiate debit or credit entries to your bank account, as to you. You may make charges against this amount if your Account is open. applicable, to correct an error in the processing of such payment. You can We will send you a refund of any remaining balance of $1.00 or more after cancel a scheduled payment by phone at 1- 800 - 347 -2683 or by mail at 6 months, or as otherwise required by applicable low, or upon request made Discover, PO Box 30421, Salt Lake City, UT 84130 -0421; however, we must to the address in the Contact Us section on page 3 of your billing statement. receive notice at least three business days in advance of the scheduled Discover may monitor and /or record telephone calls between you and payment. If your payments may vary in amount, we will tell you on each Discover representatives for quality assurance purposes. monthly billing statement when your payment will be made and how much it The Discover® card is issued b Discover Bonk, Member FDIC. TL23N will be. y CHANGE OF ADDRESS If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Street Address Home Phone Work Phone City Email 38'22b,58 To make changes to your address, email or telephone number, visit Discover.com Continued on next page DISC VEK Discover More Card Account number ending in 1 799 Open Date: Aug 28, 2013 - Close Date: Sep 27, 2013 Page 3 of 4 CONTACT US 0 < Web Mobile Phone Inquiry Mail Payments Access your Manage your O 1- 800 - DISCOVER ® Discover 0 Discover account securely account anytime, (1- 800 - 347 -2683) PO Box 30943 PO Box 6103 at Discover.com anywhere at TDD 1- 800 - 347 -7449 Salt Lake City Carol Stream m.Discover.com UT 84130 IL 6019 -6103 Transactions Trans. Date Post Date Fees Sep 22 Sep 22 LATE FEE $ 35.00 TOTAL FEES FOR THIS PERIOD 35.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 3.36 INTEREST CHARGE ON CASH ADVANCES 29.52 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 32.88 2013 Totals Year -to -Date TOTAL FEES CHARGED IN 2013 $ 245.00 TOTAL INTEREST CHARGED IN 2013 $ 257.25 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 31 days ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchases 17.99% V $219.76 $3.36 Cash Advances 20.99% $1,656.03 $29.52 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 /inieresicharges 30228758 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION TODD HOSTETTER Account number ending in 1799 Open Date: Aug 28, 2013 - Close Date Sep 27 2013 Page 4 of 4 30228758 :N. . . . . . . . . . . . . . .............. DISC: =,;:-VEIZ Discover More Card Account number ending in 1799 Open Date: Aug 28, 2013- Close Date: Sep 27, 2013 Cardmember Since 2006 ACCOUNT SUMMARY PAYMENT INFORMATION Page I of 4 I Previous Balance $1,859,93 New Balance $1 Payments and Credits $0.00 1 Minimum Payment Due T $638.00 Purchases + $0.00 Payment Due Date October 22, 2013 Balance Transfers + $0.00 1 Cash Advances + $0.00 Includes post due amount of: $550.00 i Fees Charged + 535.00 ! fate Payment Warning. If we do not receive your minimum payment by the Interest Charged + $32.88 date listed above, you may have to pay a late fee of up to $35.00 and your New Balance $1 927.81 pu rchase and balance transfer APRs for new transactions may be increased up to I , the Penalty APR of 22.99% 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 $1,900 balance. For example: Credit Line Available so i en 'bp Cash Advance Credit Line $500 Cash Advance Credit Line Available $o Only the minimum payment 1 5 years You may be able to ovoid interest on Purchases. See reverse for details. If you would like information about credit counseling services, call 1-800-347-1121. . . ...................... .................. ...................... -- ............................................................... ....................... ....... . .. J . . . .. ...... . ... ... ... .. . . ..... . . . . . ..... . ........ . .. .... . ........ . . . .......................... ................ I ............................................ I ........... ........................... .............. REWARDS Contoct Us Discover.com ... ........... ......... . 1 1 cas hbock Bonus@ Anniversary Month 1-800-347-2683 July Opening Balance S 0.00 1 Please make check payable to Discover. You are overlimit. New Cashbock Bonus This Period + $ 0.00 Pay the sum of the Minimum Payment Due plus the remaining Redeemed This Period - S 0.00 .. ............ - ................................... I ......... . ... 1- ........ .. - .. .................. .................. ... . ............ ..... - .. .. .......... overlimit amount of $27.81. Cashback Bonus Balance 0.00 k� To learn more, log in at Discover.com .. . ...... . ..... ------ . . . .. ............... ..... ....... .... . .. . ........ .. Make Check payable to Discover. Please fold on the perforation below, detach and return with your payment. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION ........................ ....................... .. ...... .. ............................ ... ................................... .. .......... ......... y Account number ending in 1799 .......... ........ ................................................................................................. ........................... 0 ' Minimum Payment Due $638.00 . .. . ....... . ......... - - ----------- ---- --------------- . . . . ........... . . ..... . ........ . .............. New Balance $1,927.81 --.1-1-1 . . . ....... 1- ---- I ............. . ..... - ..... ....... 1.1- .......... Payment Due Date October 22, 2013 TODD HOSTETTER -- ......................... ......................... ..................... . ... ............................ i 21 PRINCETON AVE Amount enclosed CAMP HILL PA 1 701 1 -5445 PO BOX 71084 CHARLOTTE NC 28272-1084 30228r7e6& 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. 000001986458480716022019278100320000063800 TODD .... ..... . ........ DD HOSTETTER ....... ............................... Account number endinB 1799 Open Date: Aug 26, 2013 -Close Date: Sep 27, 2013 Pa e 2 of 4 ..... 9 ......_ ..._.... Important Information You must ensure that sufficient funds are available in your bank account, and See your CardrnemberAgreement. Your Card member Agreement all transactions must comply with U.S. law. contains all the terms of your Account. You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed Lost or stolen cards. Report immediately) Call 1- 800 -347 -2683. dollar amount, or (iv) Other dollar amount. If your scheduled "Other dollar What To Do If You Think You Find A Mistake On Your Statement amount° payment is not enough to cover the Minimum Payment Due as listed If you think there is on error on your statement, write to us at: Discover, PO on your monthly billing statement, your scheduled payment for that month Box 30421, Salt Lake City, UT 84130 -0421. You must write to us within 60 will be increased to cover the Minimum Payment Due. If the scheduled days after the error appeared on your statement. You may call us, but if you payment is greater than the Minimum Payment Due, any excess will be do we are not required to investigate any potential errors, and you may have applied in accordance with your Cordmember Agreement. If your scheduled to pay the amount in question. The Billing Rights Notice further explains your payment is greater than the New Balance on your billing statement, that rights. Please see your Cardmember Agreement or visit payment will be processed only for the amount of your New Balance. Your htips : / /discover.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 Dote. Payments. You may pay all or part of your Account balanc at any time. If you enroll by phone in our automatic payment service, please fill -in the However, you must pay at least the Minimum Payment Duey the Pa m mt Due Date. Send only your payment and the bottom portion of this statement following blanks below and retain the authorization for your records. in the envelopa provided. Do not send cash. If you pay by Gheck, yo4 authorizg us to use information on your check to make ppn ele�t rornc tvn Amount: Full Pay J Min Poy Min Pay+ S transfer tram your account at the financial institution indicated on your check ('; Other AmounlS ;Bank Routin #: or ,o process the payment as a check transaction. If a payment is processed 9 as on electronic fund tragnsfer, the transfer will bg for the amount of the Bank Account # check When we use intormalion from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the some Monthly on the Payment Due Date L._l Close Date day we rece ve your payment, and you will not receive your check back from your financial institution. I._. Day of month (insert date) The processing of your payment may be delayed if you send cash, Credit Reporting. We may report information about your Account to credit correspondence or other items with your payment, if you send the payment to bureaus. Late payments, missed payments, or other defaults on your Account any other address or if you use an envelope other than the one provided. may be reflected in your credit report. We normally report the status and Payments received in proper form at our processing facility by 5PM local time payment history of your Account to credit reporting agencies each month. If on any day will be credited to your Account as of that day. Payments received you believe that our report is inaccurate or incomplete, please write us at the at our processing facility after 5PM local time will be credited to your Account following address: Discover, PO Box 15316, Wilmington, DE 19850-5316. as of the next day. If you hove misplaced your envelope, send your payment Please include your name, address, home telephone number and Account to Discover, PO Box 6103, Carol Stream, IL 60197.6103. Please allow 7.10 number. days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. Payments made online or by phone will be Paying Interest. Your due date is at least 25 days after the close of each credited as of the day of receipt if made by 5 PM Eastern time. billing period (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 on your statement, unless you request a recurring payment date (e, g., the 15' day of the month) (including current transactions) to calculate the Bolonce Subject to Interest that occurs before your Payment Due Date or Close Date. If your scheduled Rate. For more information, please call us at 1- 800 - 347 -2683. payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to Balance Subject to Interest Rate. Your statement shows a Balance Subject schedule monthly payments by telephone, you will need this statement and to Interest Rate. It shows this for each transaction category. The Balance your bank account information. You will be asked to provide the last four (4) Subject to Interest Rate is the average of the doily balances during the billing digits of the social security number of the primary borrower. By providing period. those numbers as your electronic signoiuto de yyou dud each payment you will be agreeing to this authorization to allow us and your bonk Credit Balances. If your Account has a credit balance, the amount is shown authorize, in the amount select ed by you, from your bank account. You also on the front of your billing statement. A credit balance is money that is owed authorize us to initiate debit or credit entries to your bank account, as to you. You may make charges against this amount if your Account is open. applicable, to correct on error in the processing of such payment. You can We will send you a refund of any remaining balance of S1.00 or more after cancel a scheduled payment by phone at 1- 800 - 347 -2683 or by mail at 6 months, or as otherwise required by applicable low, or upon request mode Discover, PO Box 30421, Salt Lake City, UT 84130 -0421; however, we must to the address in the Contact Us section on page 3 of your billing statement. receive notice at least three business days in advance of the scheduled Discover may monitor and /or record telephone calls between you and payment. If your payments may vary in amount, we will tell you on each Discover representatives for quality assurance purposes. monthl billing statement when your payment will be made and how much it will be The Discover:] card is issued by Discover Bank, Member FDIC. TL23N CHANGE OF ADDRESS ...... .......... ........................ . ............... ... ......................... ............................ __ ............... .. ... _ .................. .............................................. ........... ............ ... ................................................ _ .......................................................... ... ............................... ................. If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Street Address I Home Phone ........ .................. ................... .. ................................... ............................... :................................................................ ................................................................. ........................ ............................... Work Phone ........................................ City Email i s 32158 I ... ........ I To make changes to your address, email or telephone number, visit Discover.com Continued on next page .................................................. ............................... .... :. r.. t.,................... 1......... 3......•.... ............................... ............................... ............................... ............................... DISC "''VER Discover More Card Account number ending in 1799 Open Date: Aug 28, 2013 - Close Date: Sep 27, 2013 Page 3 of 4 CONTACT US i Q Web Mobile Phone Inquiry Mail Payments Access your Manage your 1- 800 - DISCOVER ® Discover 0 Discover f I i account securely account onytime, (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 601 97-6103 .._ ... _ Transactions Trans. Date Post Date Fees Sep 22 Sep 22 LATE FEE S 35.00 TOTAL FEES FOR THIS PERIOD 35.00 ......................... -............................_................... ................................................................................................................................................................................................................................................................................................................................................................................. ._............................. _. ......................... ............................... Interest Charged INTEREST CHARGE ON PURCHASES S 3.36 INTEREST CHARGE ON CASH ADVANCES 29.52 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 32,88 ._._.._—_....___.._..__.__...---.__.__._.._---.._.._.------_._..._.___......_......._.___.._.____._ .._ --- ...___....____..... _ .... _ .__ ..... _..–_...___.... ......... ._._____. ..... _. .... ..... _..__---- ....._ 2013 Totals Year -to -Date TOTAL FEES CHARGED IN 2013 S 245.00 TOTAL INTEREST CHARGED IN 2013 S 257.25 ......... ........... _ ......................................... ............ ..... ... ................ ................ ................. --- .......................... .- . .............. . .........- Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 31 days ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchases 17.99% V $219.76 $3.36 Cash Advances 20.99% $1,656.03 $29.52 V= Variable Rate Information For You For more information about how interest charges are calculated see your Cardmember Agreement or go to www .discover.com /inierestcharges 30228758 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION TODD HOSTETTER Accouni number ending in 1794 Open Dale: Aug 2$, 2013 - 201-3-1 Close Doie: Sep 27, Page„4 of 41, .............. ................ . ............. -- ........ ................ ........ .._ . ............................. . ................... ... 30228758 VERIFICATION IV W-Ullif ame) (oie) 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 unworn 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 DB Servicing Corporation servicing affiliate For Discover Bank SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson L. J--J 4r i.... Sheriff . ( ! nt. `t?OTHONu iAF.'i (h Jody S Smith 2014 FEB I I PM 3: 5 Chief Deputy Richard W Stewart CUMBERLAND COUNTY Solicitor rir, �= PENNSYLVANIA Discover Bank vs. Case Number Todd Hostetter 2014-555 SHERIFF'S RETURN OF SERVICE 02/05/2014 01:53 PM - Deputy Jamie DiMartle, being duly sworn according to law, served the requested Complaint& Notice by"personally" handing a true copy to a person representing themselves to be the Defendant, to wit: Todd Hostetter at 2101 Princeton Ave, Camp Hill Borough, Camp Hill, PA 17011. I t J IE DIMARTLE, DEPUTY SHERIFF COST: $44.95 SO ANSWERS, February 07, 2014 RONNY R ANDERSON, SHERIFF IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DISCOVER BANK Plaintiff v. TODD HOSTETTER Defendant CIVIL ACTION-LAW • NO: 14-555 Civil PRAECIPE TO ENTER APPEARANCE Filed on Behalf of Defendant: TODD HOSTETTER Counsel of Record: Robert D. Klingensmith, Esquire PA I.D. # 313960 HAROLD SHEPLEY & ASSOCIATES, LLC 209 West Patriot Street Somerset, PA 15501 (814) 444-0500 (814) 444-0600 (fax) rklingensmith@shepleylaw.com • • IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DISCOVER BANK Plaintiff CIVIL ACTION-LAW v. TODD HOSTETTER Defendant NO: 14-555 Civil PRAECIPE TO ENTER APPEARANCE TO THE PROTHONOTARY: Kindly enter the appearance of ROBERT D. KLINGENSMITH, ESQUIRE and the law firm of HAROLD SHEPLEY & ASSOCIATES, LLC, on behalf of the Defendant, TODD HOSTETTER, in the above captioned matter. 41-g y--( Date Robert D. Klingensmith, Esquire Attorney for the Defendant Harold Shepley and Associates, LLC 209 West Patriot Street Somerset, PA 15501 (814) 444-0500 (814) 444-0600 (fax) rklingensmith@shepleylaw.com IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DISCOVER BANK Plaintiff v. TODD HOSTETTER Defendant CIVIL ACTION -LAW NO: 14 -555 Civil PRELIMINARY OBJECTIONS Filed on Behalf of Defendant: TODD HOSTETTER Counsel of Record: Robert D. Klingensmith, Esquire PA I.D. # 313960 HAROLD SHEPLEY & ASSOCIATES, LLC 209 West Patriot Street Somerset, PA 15501 (814) 444 -0500 (814) 444 -0600 (fax) rklingensmith@shepleylaw.com CD �' IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DISCOVER BANK Plaintiff v. TODD HOSTETTER Defendant • • • • • • CIVIL ACTION -LAW NO: 14 -555 Civil DEFENDANT'S PRELIMINARY OBJECTIONS PURSUANT TO PA.R.C.P. 1028 AND NOW, comes the Defendant, TODD HOSTETTER, by and through his attorney, Robert D. Klingensmith, Esquire, from the law firm of Harold Shepley & Associates, LLC, and files the following Preliminary Objections to Plaintiff's Complaint: Objection I 1. Plaintiff's Complaint contains insufficient specificity in its pleading under Pa.R.C.P. 1028(a)(3). 2. Plaintiff is seeking damages in the amount of $1,927.81. 3. Pa.R.C.P. 1019(a) requires that the material facts on which a cause of action or defense is based shall be stated in a concise and summary form. 4. Pa. R.C.P. 1019(0 requires that averments of time, place and items of special damages shall be specifically stated. 5. Plaintiff in this matter claims that the Defendant opened and used a credit account issued by Plaintiff. 6. Pursuant to Pa.R.C.P. 1019(0 Plaintiff has failed to provide information of the time and places any items were allegedly bought on the credit card. 7. By failing to include documentation of what items were purchased, when those items were purchased and the amount of each purchase, Defendant is unable to ascertain the validity of the amount owed on the account. 8. Plaintiff has also failed to provide documentation of any cash advances made by Plaintiff. 9. Plaintiff has only included one statement from account which is from 2012 and doesn't show a balance for the alleged account. By failing to include any statements that show the charges currently being sought, the Defendant is unable to verify any amounts on the account. 10. Plaintiff has failed to provide a concise summary of the payments made by the Defendant on the alleged account and has failed to give the date of last payment on the account. 11. It is unclear whether Plaintiff is pursuing the claim under a breach of contract theory or an account stated theory. Regardless, the Plaintiff has failed to produce any documentation showing that the Defendant acquiesced to the terms of the alleged account. By failing to illustrate some semblance of a billing and payment history between Plaintiff and Defendant, Plaintiff cannot recover under an account stated theory. 12. As a result, Plaintiff's Complaint contains insufficient specificity as required under Pa. R.C.P 1028(3). WHEREFORE, Defendant respectfully requests that the Plaintiff's Complaint be stricken and the Plaintiff attach any writings to its Amended Complaint or dismiss this action with prejudice. Obiecton II 13. If Plaintiff's Complaint is for a breach of a contractual duty by the Defendant. In such a claim Plaintiff is to specifically state whether the agreement is oral or written as required under Pa.R.C.P. 1019(h). 14. Plaintiff's Complaint does not include the original card member agreement for the alleged account which was governing at the time the alleged line of credit was open. 15. If the Plaintiff is relying on a writing in its cause of action which would show some sort of agreement on the alleged account, Plaintiff has failed to attach the original agreement along with any amendments to the said agreement. 16. As a result, Plaintiff's Complaint does not conform to Pa.R.C.P. 1019(i) and therefore is the basis of this objection under Pa.R.C.P. 1028(a)(2). WHEREFORE, Defendant respectfully requests that the Plaintiff's Complaint be stricken and the Plaintiff attach any writings to its Amended Complaint or dismiss this action with prejudice. Objection III 17. DB Servicing is not a party to the lawsuit. 18. DB Servicing has no relationship to the alleged account and was not the party who allegedly contracted with the Defendant on an alleged account. 19. DB Servicing has no claim against the Defendant. 20. Furthermore, an employee of DB Servicing signed the verification in this matter. 21. Plaintiff's Complaint does not conform to law or rule of court under Pa.R.C.P. 1028(a)(2) because the verification is not signed by a proper party to the lawsuit. 22. An employee of DB Servicing is not a proper party to sign the verification. DB Servicing is in effect acting as a collection company for the Plaintiff. If they are to sign the verification, they must include a bill of sale or proof of assignment from the Plaintiff. No such proof exists. 23. Pa.R.C.P. 1024 requires that the verification of the Complaint be signed by a proper party to the lawsuit. 24. Here, the Complaint is verified by an employee of DB Servicing Corporation. 25. DB Servicing Corporation has no interest in the action and is not a proper party. 26. DB Servicing Corporation's verification does not set forth an exception to the rule. 27. Therefore, Plaintiff's Complaint is not verified by a proper party to the action as required under Pa.R.C.P. 1024 and therefore does not comply with law or rule of court as governed by Pa.R.C.P. 1028(a)(2). WHEREFORE, Defendant respectfully requests that the Plaintiff's Complaint be stricken and a proper verification be required in Plaintiff's Amended Complaint or the action be dismissed with prejudice. Respectfully submitted, Robert D. Klingensmith, Esquire PA I.D.# 313960 Harold Shepley & Associates, LLC 209 West Patriot Street Somerset, PA 15501 (814) 444-0500 (814) 444-0600 (fax) rklingensmith@shepleylaw.com Attorney for Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DISCOVER BANK Plaintiff v. TODD HOSTETTER Defendant • CIVIL ACTION -LAW NO: 14 -555 Civil CERTIFICATE OF SERVICE I served this Petition to Enter Appearance, Preliminary Objections, Brief in Support of Preliminary Objections, and Scheduling Order by U.S. Mail, postage prepaid, at 1400 Koppers Building, 436 Seventh Avenue, Pittsburgh, PA 15219 on Matthew D. Urban, Esquire, the Attorney for the Plaintiff, Discover Bank on February 28, 2014. I declare under penalty of perjury that this information is true. Date: February 28, 2014 Server's Signature Gretchen Giles — Legal Assistant Name and Title Harold Shepley & Associates, LLC 209 West Patriot St. Somerset, PA 15501 Server's Address IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DISCOVER BANK Plaintiff v. TODD HOSTETTER Defendant • • • • • CIVIL ACTION -LAW NO: 14 -555 Civil Order of Court On this day of , 2014, upon consideration of defendant(s)' preliminary objections, it is hereby ORDERED that plaintiff(s)' complaint is stricken. Plaintiff(s) is (are) granted days leave to file an amended complaint. If the plaintiff(s) fail(s) to file an amended complaint within days of the date of this order, upon praecipe of defendant(s), the Prothonotary, shall dismiss the case with prejudice. BY THE COURT J. THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION DISCOVER BANK, Plaintiff, v. TODD HOSTETTER, Defendants NO.: 14-555 CIVIL TYPE OF PLEADING: AMENDED COMPLAINT FILED ON BEHALF OF: Plaintiff COUNSEL OF RECORD OF THIS PARTY: Submitted by: Plaintiff (-) Erj rn f� f 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: 30228758 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff vs. TODD HOSTETTER Defendants Civil Action No. 14-555 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, Todd Hostetter, is an adult individual residing at 2101 Princeton Avenue, Camp Hill, PA 17011. 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 fling 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 July 13, 2006, 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-1799. 9. Defendant subsequently accepted Plaintiffs offer to open the above credit card account by using said card to transfer balances and/or make purchases of goods, merchandise and services. 10. 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 Defendant's monthly statements from March 27, 2007 to September 27, 2013 are attached hereto and made a part hereof as Exhibit "1." 11. 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 "2." 12. The balance due and owing to the Plaintiff as a result of the breach on the aforementioned credit card account is $1,927.81 with the Defendant having last made a payment on the account on or about Febryary 18, 2013 in the amount of $50.00. WHEREFORE, Plaintiff demands judgment in its favor and against the Defendant, Todd Hostetter, in the amount of $1,927.81 and costs. Count II -Unjust Enrichment 13. The averments contained in Paragraph 1 through 12 above are incorporated herein by reference thereto as though herein set forth at length. 14. Defendant used his/her Discover Bank credit card to purchase goods, merchandise and services. 15. 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. 16. 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 "1" 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, Todd Hostetter, in an amount less than the arbitration limits and costs. Count III -Breach of Contract -Contract Implied in Law 17. The averments contained in Paragraph 1 through 16 above are incorporated herein by reference thereto as though set forth at length. 18. At the request of the Defendant, the Plaintiff offered a revolving line of credit by issuing a Discover Bank credit card to the Defendant. 19. 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. 20. 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 March 27, 2007 to September 27, 2013 are previously attached as Exhibit "1." 21. The Defendant, upon examination of each monthly statement, attached as Exhibit "1," 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. 22. 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. 23. The Defendant subsequently failed to make payments as set forth on his 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, Todd Hostetter, in the amount of $1,927.81 and costs. Respectfully Submitted, Matthew D Urban, Esquire PA I.D. 90963 WELTMAN, WEINBERG & REIS, CO., L.P.A. 436 Seventh Avenue Suite 1400 Pittsburgh, PA 15219 (412) 434-7955 Fax: (412) 434-7959 WWR # 30228758 DISC VER New Balance $3,725.00 TODD HOSTETTER 2101 PRINCETON AVE CAMP HILL PA 1701 1-5445 Minimum Payment Due. $ 75.00 Payment Due Date April 26, 2007 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 1799 Enter Amount Enclosed Below Please make check payable to Discover Platinum Card or pay online CI Discovercard com PO BOX 71084 CHARLOTTE NC 28272-1084 000001986458480716022037250000100000007500 Discover Platinum Card Account Summary Closing Dote: March 27, 2007 Previous Balance Payments And Credits Purchases Cosh Advances Balance Transfers Finance Charges Account number ending in Payment Due Date Minimum Payment Due Credit Limit Credit Available Cosh Credit limit Cash Credit Available 1799 April26, 2007 $75 00 $8.000 00 $4,275 00 $2,000 00 $2,000 00 New Balance = page I of 1 $3,825 00 10000 0 00 0 00 0 00 000 $3,725 00 You may be able to ovoid Periodic Finance Charges, see the reverse side for details Cashback Bonus' Cashback Bonus® Anniversary Month July Cashback Bonus(R) is America's #1 Cash Rewards Program' Full 5% Cashback Bonus on Get More purchases in popular categories throughout the year and up to 1% Cashback Bonus on all your other purchases 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 choke - 3 ways to help Please hove 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 rewards and more 2 Call 1 -800 -DISCOVER 1347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager 3 Wr ite us at Discover Card, PO Box 30943, Salt lake City, UT 84130 Transactions Payments and Credits $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Post Date Date Mar 25 Mar 25 PAYMENT - THANK YOU -100 00 Information For You Balance Transfer offer for current billing period Daily Periodic Rale 0 00521%, corresponding ANNUAL PERCENTAGE RATE 1 90% Rate is subject to the terms of the offer including expiration Finance Charge Summary Average Daily Balances current billing period 28 days Purchases $0 Cash�,A,,,dva,n,,55,,e� $0 Balfdric22iifnrSt>a$ $3814 28 Daily Periodic Rates 0 00000% 0 05751% 0 00000% Nominal ANNUAL ANNUAL PERCENTAGE PERCENTAGE RATES RATES 0 00% F 20 99% F 0 00% F 0 00% 20 99% 0000 The rates that apply to your Account are either Fixed (F) or they may vary (V) as noted above Transaction Periodic Fee FINANCE FINANCE CHARGES CHARGES 00 00 00 $0 00 $0 Manage your account your way - whether you prefer to speak with a live person or manage it on your own, Discover(R) Cord has the right account management options for you Call I -800 -DISCOVER (1-800-347-2683) or visit Discovercard com EXHIBIT Important Information if (bene 1:5more then 1100 page to ihs!:al!ng statement see the tack el each page for addll0ylal Important information See your Cardmember Agreement Your i.o nernber agreement ceenlalrs all the tends of your Accui!ur Lost or stolen cards Report rivnedislely' Calc 1.890.317.569,93 Billing Rights Summary in i0000 of Frans or OE1. scans Abut Thiry Pli if you thunk vara hitt 1s wrong or i1911011r2e'1 mora ,n(on001en about a 1r0 ; 0111000 cn ;our hd! w!1!10 cs 0111 separae sheet of Raper al Discover PO 6ci 30121 Sat Lake Crty LIT 641'30.0421 es soon os possible We must hear non•, you no :slew Map (10 days alter' we sent you the 1,rsl091 001Urd1 dhe'11101 E1r (00blem appeared ''=u,) can telop bona us but d1411.1 so w 0 not pre.<.ene yne rights_ 61 your :carr gave us the foltveing eliorn 4,,m, • Yool noire dnd Account rbniber • The debar 01010a tt ot the suspected erica • Describe the era and expert it y 011 can :vhy you believe there Is all ewer 11 you need: snore 1040 011140/1 dal:14:0 the Item you aa-e unsure 010.1 You d0 nut nave to pay any amount 11 Guestian evhile era ore yivestigating but you nm slit obligated to pay tae pars of your hit that are not in question O00iIo we investigate your ruls!a0 0'e 0010104 !pun you as E11101p 101Or take arty i1c1un tu'co:!eot ':h0 nn,cor14 9010 ;,1(i,1011 Special Rate for Credit Card Purchases Il you have a problem %MI) be realty of gond: or service' that you purchased with a bred:( cord end You have bled In good feeh to correct the to oblenl ma) the n10rd11101 ail may r10111ave E0 pay the re'nam.i1g 0111041/1 due .:m he goods 10 1:;01xe0 'YCO have 111 900 41r1n on1.1 ohen the (10nuhase vise was loom than 05.0 and the pow hale fres trade in 1bc0l'orr10 asci:, or *tin I! 90 miles of your mailing address 1. „-0 oven or operate _he n1e Duni or ,' x11 mined ,nu the adirerlrerne st for the 9'701 or 30! 0:000 all filo 101101 400 ore covered rip;1r:iters Or the amount 01 loc01100 of the purchase Payments Send onty,:ria' (10finelll arra this top ponder 01 be statement 111 the envelop prMR900 _10 00 send 3000 By seltd!nq your check ea described above :40u authorize Us to pia; Inl1nnal@n On yarn died( to :nuke and electronic tams.': 8a05'er 110111 i(pu! aaon111 al tho (104,1013! r:e9tu:!3' 1)1101001ed on yea! ebeidit Of iv :antis;, the ix 7.0111 I as a c;hel:k lran109000 If fie payment le pr0_es0e0 es an etecrong 1/0,1 transfer the transfer will be ICI the 01110un1 ul 111i0 ^,hens Wtii.n we. u50 mlerma1'Or 110nt 5001 :(10-;,11':: make an .2 -tfm x ,;rid troof.-iPr tuOJs may 3111 11!t1'd!dS•4 4, at 9(04: accoun) as wren n a` 1110 0011141 day we Iex11lie vy,W pavnl 'tt and you vola 0011 r11Ce! v010 010~10'11 f ton f .::' 11nanC1141 010010140n the processing of your payment maybe 11010yed d 101,1 send cash v,ne(pCnde.'nce or other chlor with your payment 11 yeti send the payment to any (1hel.ork 1069'0111 you 1(011 an ee:d0c: D:hc( than the cm: provided Payments rccerad 1n proper Lary at au prcessing redia by 59t11 !coat ton: on 3115 day 'NO be 11110 I1"'d to yr-0' Accu int 00 of that day Fayl1»:111; received 4'11 our 11001110)14 tlCii.N 0(9:1 091/ 'mat 110111 NII bn Ged'ted !0 ; oorA1101..ltI11 as of ihr1111331 day If you tv410 mistncur) 901;1 6(1:1111$0 Wind'j1111 pm:menr 10 ulscecer PO Box 610 Carol Stream IL 80'07-6103 9(0310 at!oo, 7._;:0 days for d9z;e , If your payment is reamed unpaid we ream, me right 10 resubmit 11 as an 11101100110011e1111 You can pa; your minimum payment or a greater amount crer 1110 telephone and 9111 (.to set t r atlloinali - payments Cali us at l-&01-4471:83 Yon nail need Rns statement and 1,uu, bank. amount 10101^11110 o:, most 0(10010 1'.4,: soil •1a.11:r hs a! aval!able el you: 11111111 araw111 and r :war,Mian: nasi 0,..;411111(1 with tl S !all, You %NI': h- ;kr,,l ro 11)011)1)1 the first 5 digits of you account statement Z1P r» de By rnt0!inq 111.0150 numbers as your 01)10001111090011110 Y'JJ wit 10 agreeing 10 this airitnerization to alien: 00 end vo:C.hauk i0 ded11r11 each payulent. N :481':Qn711 (tYint ,4u: brink 0011000! and lo !0,4,1:9 debt :y credo entries to 90ta 11101111 a'7Au'i. as 0(71011.1100 IO ormc;i emit ,11 !1111 tv:11,m9l1 01111K11 pa,111eni You must lull Els the hippo! 0' 0,X44 1011/11 ) 01 you can so!ect an a11001! such a!: 011101larm Po41!iera Dor C' the New Balance 111 each tralem00) Yau can 00100 l 11 payl'Pn1. 1,0101110111 we most mm48 (111400 :111Fla51 :!.roe !0I'11n!!3i days :n ai'i0010-e Ot Ihn S[9tedui'Ki payment You 11049 notify us by phone al -900 347.799 3 or by malt al the address 11sted ,r: the;'evious 90480103h I1 your payments may ',e (;11 amount we w111 tett you en each venal: y slat0menl when your payment vo11 be made and ho,': nvu':h it'•w11 Cat Your Aa1O^la!!:: pavlh'111111(4011101)1 (11.15 i:e 010,11011$!+' 11th ,ted 101 t.^.0' mod* stal?rnen: bask tat lsewi,:111' p0.1l'1 et5 o,pae1 ds:rinp the hitting Credit Reporting We may Taut 1nfCr11w1l(n ab0d1 your account u; credo bureaus. late patynl00)3 ralss1d 00110015 or other deW101s co veer 010011nt may be ro9ecl6d n', 5011 cell report We no, foa11(1 )270X1 the stalls and payment hider, ui your A 0 41111110 cred1110010009 ay01134011atyh mouth t(y a 110:1001 thea) 0u1 1•-Viin 1011130aal0 of :(100(1491119 p1: ns -, vats u . a14..e folOvong addre f.+s101er P Box 153(6 119'..ir3,0n 63 1111) i :1"11., please :n^.F101:0111 r01^10 lddr 5. he ,o telep1)0n0 punter and f 11001101 oumhet PERIODIC FINANCE CHAGES P0,0dle i-nano.; C1ha'gas are imposed on iii transactions born 1)10 date the ta11111 ,hon is posted to your Account unlit Iha d0to vol pay 0(:1 Ci1(10 New 11100009 by reakro9 payments or rec9,.'ulg coedits However we tw))] 0)Ovide'h0 i;i'oelny; 9reoe period If you paid !ha New Balance 0n yn: r perlicu5 blging statement by the t 0) non, Die Date shown 1)11 0n01 110101 0:111 0R') you 989 that f«?w 130 -3 1:10 by VA., Paynhoni Lille I.ialc^ 1141 1)110 statement we'A':1.1101 ,mpcse Poeudic V.4 3na:, Charges an 5110. purchases that ss purchases first ope.ehno on this statement 011o,rwoo you 117!1 re1elre a 111111119 0(0100letd nen month that 1,1:4300 Periodic Finance Cterges 0n those hey( purchases, 0015 iho.rc is nu glare peed Cl balani' 1)0101.1010 ;ash advsn0110 yS'1; 00(1: y0u,10a000(111001nru groups of 3110heoes cash a,Jaanoe5 and ba10)100 transfers era then runner son the 11000ncton5 w13' it each group tri 0191: Ann'ral r'0':enl2'90 i?ale For example pd.0t1a5e'5 su11(011111 0311100001111 11110 ait(1 ptacha16F 311111201 le sland17n1 ;ale •::bold h? 59perare grows 511., refer to these 0(x1915 as )111 Ichor! 0a!19O11es. 'J;1)141 era.1 ()leach ba rig :;ee'c10 :,ti can ..000 Percd;, Fina)7e ;larges for er,c1 clay rt 110 h:;n9 perric 31 r erA 1,•aasact,an 11011001010111100101V11','00110 the I..lese'.y 0)11I1013110-6)10011l0 F (,imine fa each transarlren category Average fully (,taxa x rm11)11 :y r18y5 13 rh9ll0' a; perx:d x (Jail( Pre M!r Rate (Sfie the lirlancv r:orte sumular(:h'! •pilin siatemelrt til these: amoa111s )Tho we arld up the P4ri;dro F!:nan1>: C!1aries for eau, han5014t0n catngcri is get the rata! Periodic Finance r.herges 1;111 you1 Account The average Daily Baanro s shown as10..)r t..;nq'•of the 9ra1_11((0110l0To1111(-nar>!Ch.Js3p9-.lc lhn1aW•Irt.e i'a11.....:.1:0l1 .1.91ay We use the Average Daly Balance ,:000 ling now transaction) nn19' od cif calculating the balance upon 'winch we impose Parodic Firchnce Charges We compute the Average Oat), 1ahl each rannu1 .coon ca!'g01 f ir1 ricking ,p 011101 day 11:1',01100S in a IAN po1,,'8 1041111011030110111111(11(1019' 14n1 d.rld. 1 110 tofu!. by the numbel d+ys 111he b01rg 0rue We. 10111,pute the 40119 ba Bance for. ea0Y: L cnsai:len .;alegery' 111 eacti day by 1101! 0001:19 the 117101w11*1 to Tie (1'fev19a5 days day bounce transactxrs r11d.0 )fiat d5y fees charged 111.1 day and P enn'0, F(40111,011011 s 30.01111110( !41(11 day If a 1¢.r,013tlaiE 15 !lusted Ig •1311; Auxu!11 cher the 'Jose c! Ihli Odlm6 nw11011 r, vtaco 1:xcw:, we illi trout the thin-:.vd1c41 as (00000 occur.el0;11110 first da'r of too bdl:ng 9eriod to wluch it Is n0:'ed to yourAcootint. All Farts 611 raged 10 your )count are added in ttl., standardpurchase transaction cate9rn01mlh the exception et Cash Advance Trois.. ch0n i'9e P!0;ms Cnaroes WIr0h are rnldrd to the appIrcebie cash ad: ante tfansacfron category and Seionce Trana1er i ans.action Fab (-mance Charges which 4,0 e added to the appbcat,ie balance 1,0151er tlansac(on cete3_ry When 1140 spe1ual rats:11x00(05 ,ve l01oc that unpaid balance ot rho tota'1aa transfer e1d.1 the 80110001111:i101111 Transaction: Fee Finance Chappas la the standard purchase transach!!1, )0c;cry However, It dm spe11i rale hast been ler 101310d under the Delete! (este i +an w,,4, have the unpaid beibrice of the b(tence transfer ?'d 1!'11 Fate 109 (4,1sfer 1/1013016/ Fee ( maxi, Charg13111 the 0191(341411 )31,01x111100 C0tegory un1111111 spec:4,1 nit; w0,1!d ha:'¢: 0107110 l For TDD (Telecommunications Device for the Dealt assistance, call 1800.347.7449 Dlsi:04mr may monitor ander record telephone cads between you and (1)060101 re1i001 ina4V05 for ()natty ass:earut aorpoees i he Dscover oo:d is issued by DU60ver Bank Member 9010 30228758 01T 11107 DISC VER New Balance $3,661.33 TODD HOSTETTER 2101 PRINCETON AVE CAMP HILL PA 17011-5445 Minimum Payment Due $ 73.00 Payment Due Dote May 26, 2007 Address, e-mail or telephone change2 Print change in space above, or go to Discover com Print your e-mail address to receive important Account information and special offers Account Number ending in 1799 Enter Amount Enclosed Below $1 1 Please make check payable to Discover Platinum Cord or pay online @ Discovercard coin PO. BOX 71084 CHARLOTTE NC 28272-1084 000001986458480716022036613300100000007300 Discover Platinum Card Account Summary Closing Date: April 27, 2007 Account number ending in 1799 Previous Balance Payment Due Date May 26, 2007 Payments And Credits Minimum Payment Due $73 00 Purchases Credit Limit $8,000 00 Cosh Advances Credit Available $4,338 00 Balance Transfers Cash Credit limit $2,000 00 Finance Charges Cosh Credit Available $2,000 00 New Balance You may be able to avoid Periodic Finance Charges, see the reverse side for details page 1 of 1 $3,725 00 100 00 + 0 00 + 0 00 + 0 00 + 36 33 ▪ $3,661 33 Cashback Bonus' Cashback Bonuse Anniversary Month July Cashback Bonus(R) is America's #1 Cash Rewords Program' Full 5% Cashback Bonus on Get More purchases in popular categories throughout the year and up to 1% Cashback Bonus on all your other purchases 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 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 $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Post Date Date Apr 22 Apr 22 PAYMENT - THANK YOU •10000 Information For You Balance Transfer offer for current bdtrng period Daily Periodic Rate 0 00795%, corresponding ANNUAL PERCENTAGE RATE 2 90% Rate is subtect to the terms of the offer including expiration Finance Charge Summary Average Doily Balances current bilking period 31 days c� �f a3268 Daily Periodic Rates $3723 27 0 03148% $0 0 05751% Nominal ANNUAL ANNUAL PERCENTAGE PERCENTAGE RATES RATES Transaction Periodic Fee FINANCE FINANCE CHARGES CHARGES 11 49% V 11 49% $36 33 $0 20 99% F 2099% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above Important Information if thens is more than one page to phis bitting statement see the tack et each oacsie, Ice additional. important information See your Cardntember Agreement Vow Certlinenter agreurtment ecottins all the isins 01 5511 A1510151 Lost or stolen cards Repes iirr leditnely, Car 1 .&1O.34726(3 Billing Rights Summary in Case of rums 01 Ouestinns About Your Ftai you think you, Ott ie1,110119 51 13,15l 113,ed more lel5155050n about a trans:main on otir 1011 ianie on a sepanate sheet or paper al Diseovet PO Be, 13021 Sal Lake Cit:i UT 334130(421 es Kor 65 0131105le intist hear non) you no tato ilion 00 days after 510 5051' you the I'13 1101 en whet! tile error or protium appeansd taw eon telephona 00 btu chinn so wit not pro 5:1 (015 rights In your tititaii graiii us the following eUeringna, • Tete' name end Aetouitt number • The 13101 11:111 nod 01 11111 1111,1)nidnd eat, • Llesoitye ihe enter 10113 estiaarti (1 31(11 can 511y you believe thee le an etter If you need mote intomtation desmhe the (515 5015 are peestue aLout You 1n101 have to pay an:( amount in questam NSI15ove ole laYnstigating but you are 50 otaigated poy the parts your bat ihat ale 001 o quessen While :•,!!-, navigate your tgieslion we ioututoi Ints311 you as delinpaumni lake asy aauri !ueo!350!.. (55 11(1051 you question Special Rate for Credit Card Purchases 11 yoo have preitlean wit los quart,' or goods or entice= Its!Nrithased wan a et edit cord end vet neve toed ni good 33:41 13: correct the poblent nigh 1110 0e1055111 Jou may sen huhie !!:! pa; 111in tealadvag oniouni dos on ho !junds serapes 'eon have !hp reo!eunori °nil! :hen the purohnse ;else '0.1510(110 tar S.50 and Cm purchase %yes made tri. your torne slate or tovithin Irk males ot your miellato add: esn 43'he ohl or somata tho merchant 01 if 0e:relied ?nil the adt,erhsenient fat the 90.313 15 31I3I551 the purchase are coveted regariSess of the amount ui location 03 (315 porch:tau Payments Send only wsr 54:11ent and the lop soon of the gatemen! r the envelop provided t3o nca sena oesn 3m ienchnu your otheek es described abnee 501.1 eLlitionzie 0s 51 (345 miorrnantin ers youi sthek io make 11101elettonic hind 13015 51,1,000 ancoopt 51 !he Iiiitinoai institution 05550110 (51 you; ettecit 01 to ;),OiteSs1110, ;XV, erd al, 31 !.henk transaction if the payvent 15 arosessed as an electronic tunti iransfe the transfer will be rot amount el the check Wine, We 0e9 donned from 1/51,1 eneat, 1.3 make an 41.31:1351101 !old irartekt lundo inay withdrawn !mitt yote account as soon as the 1,411131 day We 1051310 payrnioni and you isili nal 1005101 0051 check ha,* lion1 iPur hnanoni! 0111.1050(1 1340 procesesig 131 5100 payment maybe detoyed 13 you seal cast, conespondrince 51 ulNn leo'O with your pinotant if you send Ilis payment in any other kiddiess 03 it you use an cevelccei othot than 55 0013 pro-v(1,3d Payments roger:ten tn proper 55i, 03 on! ortietessing rcieirty by iFrit local too, or, an/ day wit Oa credited to yeti, Account as 01 that day Paynients ten:neon 03 101(31(15013:013 Nutty after 5551 !mal time oredited ia your neUnilitt 05 of the nest day If you rano rnisciackid yniir eTive11400 send your pamtiont to Discover PO 8,35 0111013 Carol Stream IL 60tiV-C103 030000 03310 7-10 days tor deltieutL If ysur payment 1 nguined unpaid we reser:a tne nght to 106,31411 g 50(111 elect -coo deln! Ye!! cal hay your rninimurn payment or a greater amount 0555 315 telephone and toy can set tap automatic payments Call 05 01 1-86C-3472680 You wd need this statement and eta': hank aocouol inkinnation You must onstira tat sufficient fiat.ttis ate 5:45511115.111 yolu honk atx:nuet 000 10 transactions must ocauply 03(1055 3 015 l'103, 051 bit risked puede the fast 5 dills of you account statemen1 ZIP code Di entering those numbers as yeta 515(3355,5 1(00311110 you wif be agreeing lo 051 eutheruation sa allow U5 and vow' 110111 51 de4hr4 fmelPAYmol anlinnilie from you' bank acootint and 10 tottate debt is crede enhips to itu: tank aotount as apnitpahie 10 cioried pilot el ine proxseelei 01 such hayisein You must IOUS: The amount of each payinerd or you cense:len an amount such as likorntn-n Peament Due a itie 13551 Gaiance anon statement '550 0.50 0513(353 .5 p(1511'l'fli hen:110511 iiee recnnaie notice :it !east tree tstimoss days in aiittattLe 0115103131115131011530110111 You iivy us by phone at 1-80T-34 7-2H3 or by maa al the address Listed ie the cgeutous paraorapri I3 your payments may t.015 in amount we i Tel you 013 eact mentiny statement when 3'33'i 3551110111 (0,11131001513550135001110(311151315* Y1)01A,11010.110; illy1115111 0130(10111 nidyi 1re 3ess!hente indmied on the et1i0eller11 3(4-54133 011 ereline pairs:se:a uppk•d during tin We:9 e.yele Credit Reporting We may r515,1 intonation about your o,cun1 10 credo 3)5310305 Latspayments rinssed oaiments or other delauns on Velif 05000111 ntai he reflected in yeur eieda reatint tinte noiniallL remit the status and payinein history ot yes kreunt to credit rep:rang agentues eath inuriat yisti beano, thot out iv t•rt 111110eil15'0 or inaninphite: pinaso WI01(hjOl1tfl0 1,3331151( 5511131555 Discover PC, Box 15318 Lti.tirtiington rio 138.50-53 16 Plan =tore your (351115 55135105 hula 0113ipInnn i11inahn3 and know!! nunther PERIODIC FINANCE CHAGES taiiodK Pula not Cita, gas Ure trys,c!,nd 1(0 310 (oansantiens firer> dau! the vans:I:Inn is onsl!..d :/0,11 503(1511 131111i011, 10110 n3111 pay einuf entho !dew BaAsce 3)3 111010115 payments of teseinng credits However 150 313 provide thin tiro:unlit 55,09 5011313 it iiita paid ('10 3501 Etelancie on ;raw per,iidus billing statement by' 1170 P3r:1115113Dun Date shown nu Mat statement awl you ptiy thE 54131 33013000 by titau t'oyment Doti Date 1:0 (14:1. 341610,11031 WO wit, isni 0115355 3'5('1113I5i-.531011(, CillAigi:S tin nen: purchases ts purchases first aposanng on this ei111101111111 C31e10aieii you ;WI o billing statement neo month that includes Fteno04, Franca 555955 05 those nt4 pinbashs I hors: 5 necyase period al 1,1511FiC11 11500515 31 cash advances 1735 500 yaw transactions 13113; 515,155 01parchasses cash etlyances 5113 551110(9 transfers anti then (55,151 551 the tiansacherei within each 13eoe5 L!theirAnneal 1efeer113.1. Rate For exaringto purchases stibIttiot to a oromottthat r011, pildlasos 01405(1 10 stun:lent rate world os 11111113in groutiii We infer la these otouoi, os ems:it:too cetegol les. A: the end ot each 00315 551:00 WC 0031201e Porto:the Finerioe Chaiges 351eriett clay et the tarag De105 01r eaob transaction caregorst L.:a use the ottottetc equistinit to compute Periodic J. each thmsaction category AVenige 113151 Bat:Min 3 number oielays 1I10 1:4019 Dair, Pencnie- Hain ;See 111e 10131310e 011303,in summary 500,05.40inir,311 3511,n1e 01110:011e) Then Ven add up to Peneidie Fin:trine Charges 1151 50531 transaction category to get 310 55511 Periodic Ptnance, thharges (111 500' Accotint 153 10:51550 D0i15 Baiarcn shown as 5511 11 rite:luso ot Ili& grace onniya no Pone& Finance Chary:0 amttts a: the 101111%0 In a liar:ex:00n i:aniqinly We 1555 130 Average Oaf y SZience iinclui5ing now thansationsi method et calcuiaIng the balance upon ttstien We impose Periodic irinssca Charges '116 0011431110 the Auerage °ally Ba',inca fat each f111543''10,, (31033111/5151313.3131 ttP 111E, datY L06115.00 111 ab:illlcpets1330I11 liamiadion entiNery and dividing the all! il3anb01 03 days 1113111(1l111114cycle tfcc,otgilr,,,r Diar,oci tor 92,011 isnnsacion tetegor; ein beer de/ b.,/ first aiding the tosouatud ta ris .i.veyuaL:s days 3331:35 11001315 traosaouoes 0(300 3131 day 1955(1(515113 that day ,oei Pencidit. Foance Chigoe 3Q:wed on that da35 thansnition is ousted to you; Atueunt after the 511.34,313 the Siang ner iclia in !xstes tronl the truss:Ale:41 as having oceth!ed te 553 335 o!Mei bang Penult to whtch :5 posted to iourAcitount. All foe.s charged to tfetit Account are Wiled to I1, standaid pixel -lose transaction e41013055,101111 11134 excii.plion 3,1 C/11,11 Advance, Tronsatilitia Fee Finaniat Cnarges which are added to the appincable oast. advance tar:sat:eon category and &Vance Itansfei Tian&ection Fee Finance Charges which ate added to the applicaLte beaance 1:5(15101antiettlioil 001e9Cry W113,31 0pecital rata tspires 55 (110155 the unnad 551140316 0: the 35alanc3 transfet and the Ba!ancu atunsfei Toinsnotion 5,15 1513411155 Charles (01154' 111111,I501 3:3133i11110 1161110011n =093115 954*5301,114159 speotat rate an teem tonropted under 51* Onstatat Rate Man we (+save the unpaid balance of me botance transfer atiO the 1331011113 1:303101 6;51153e:eon r cc rinence Charges to the 3(51:151510 It-am:at:no (Plenary until lho 531eci0l Rite tunart sstiired For Too (Telecommunications Device for the Deal) assistance, call 1-800.3477449 bt:over may want:it and o• teterd in1e01,orie cads bethscan y011 and Discover inaresentaitivas thr quativ ass:name purposes 1re 13153:1N3,31 544'33151553151300 Dtsettver Eenr. 515151101 03)10 30228758 OITBK-1(17 DISC VER New Balance $3,595.94 TODD HOSTETTER 2101 PRINCETON AVE CAMP HILL PA 1701 1-5445 Minimum Payment Due. $72.00 Payment Due Date June 26, 2007 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 offer: Account Number ending in 1799 Enter Amount Enclosed Below $ Please make check payable to Discover Card or pay online Q Discovercard com PO BOX 71084 CHARLOTTE NC 28272-1084 000001986458480716022035959400100000007200 Discover More Card Account Summary Closing Date: May 27, 2007 Account number ending Payment Due Date Minimum Payment Due Credit limit Credit Available Cash Credit Limit Cash Credit Available in 1799 June 26, 2007 $72 00 $8,000 00 $4,404 00 $2,000 00 $2,000 00 Previous Balance Payments And Credits Purchases Cash Advances Balance Transfers Finance Charges New Balance page 1 of 1 $3,661 33 10000 + 0 00 + 0 00 + 000 + 34 o1 $3,595 94 You may be able to avoid Periodic Finance Charges, see the reverse side for details Cashback Bonus" Cashback Bonus® Anniversary Month July Cashback Bonus(R) is America's #1 Cash Rewords Program' Full 5% Cashback Bonus on Get More purchases in popular categories throughout the year and up to 1% Cashback Bonus on all your other purchases 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 hove your Discover Cord available For TDD (assistance for hearing impaired) see reverse 5 de 1 Visit Discover.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more 2 Call 1.800 -DISCOVER 1347-2683) For fast, easy self-service options or to speak with a Customer Service Account Manager 3 Write us at Discover Card, PO Box 30943, Solt Lake City, UT 84130 Transactions Payments and Credits $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Post Date Date May 24 May 24 PAYMENT - THANK YOU -100 00 Information For You Balance Transfer offer for current billing period Daily Periodic Rate 0 00795%, corresponding ANNUAL PERCENTAGE RATE 2 90% Rote is subject to the terms of the offer including expiration Finance Charge Summary Average Daily Balances Daily Periodic Rates Nominal ANNUAL ANNUAL PERCENTAGE PERCENTAGE RATES RATES current billing period 30 days Pu c a�•e�'n $3664 75 0 03148% 11 49% V 11 49% C �t do@�e6$ $0 0 05751% 20 99% F 2099% The rates that apply to your Account are either fixed IF) or they may vary (V) as noted above Transection Periodic Fee FINANCE FINANCE CHARGES CHARGES $34 61 $0 $o $o Your Discover(R) Cord hos you covered with Complete Fraud Protection for your peace of mind Our advanced fraud warnings mean you'll know right away should any suspicious activity occur And if your card is lost or stolen, you hove $0 fraud liability guarantee --you're not responsible for any fraudulent charges Important Information 0 there is mare than one page to this bIltng 3tatemen1 see the bac!, each page ter aidilonal important liformaten See your Cardme mher Agreement Your Coritinerobei OtinittinS ate loons s,or kcurii. Lost or stolen cards Izepcitirviedtalely, Ceti 1.8,:10,34 7. 26.Y,3 Billing Rights Summary in Case of Finis of OttfeiliOn5 Abu %I' if yott think yOtit ;von!) v.; 'pa used more rfonimen atioui cr ;ow n:1i oat), Ona sepaiate sheet of paper el Discover PO Bo, 30:121 0011 Lake 0,0/ UT 64130.0421 as soon so posstle We irtn: hoar lion? you no late. rano 60 38:A. after we sent you ilia f001 001 on viaeh the tailor of protium appeared Yui coo telephone us bur clitng so wit riot firoSO! tie your rights In nnoor lattur givs its !he followng rrloatitior • Your name ood Acoount number' • The della; impure ot 010 suspeted Ono, • Desexibe Ihe error and 000o l you can *Iv you bete tOeis, is an env If you reed 51.010050101101' desmbe the 50005011 ere unsure about You 00031 naue to pay an./ amount tn question Mile WO WC iftwastgaung but lou ore stl obligated to pa', the parts o' you' 041051 ale not in gutsier' While we ovestigato your ouestQn We cannot u4,ori you as cleliftrimit et tuko any aoton cal!ect *0010.00) you came:110n Special Rate for Credit Card Purchases tl you have o problem 51111130quaiC:, 0T gods or selvicex that you purchased Yith a coedcord end you have mart in good 13de 10 1530Ci the or ttlem 055noorshanl iou +nay no: have Is pay the temaong mot trtt duo nn the goods or snares Yon have th; piateenon only xihei :he pordi,ase ;Yice 00151001001,111, SOS .0305 pershase eras made tn nos orie 100 miles ot uo 01 00 addt ess Pt eve own or operate the rneiPant 0110.00 ilst;ed 'enli the ae,xertisoment kit the go-ix! •tr 09000050 1111011010550 oro coveted regardless of the await at iocation of tie f)wcha,n Payments 5:0501110 0105 paymenl and the ixp portion of the statement tn the envelop p,•oti,d,,,d ,Do nbl send sash Ely sending your *51505 described AloOtia you authorize us ass riloaraion en pio 011100maXe and efecionte mile, hem your aocuort 01 Ins 0,1100.)) 0)5011130) 03(01001110 05:1,0 ei0,0,, Of tO 105iNiyitierti as a t;lier:k transastion1 the ;raiment is 2,xessed as an eleciiionish.n,.1005nste, the t:enstermll be tot the ant000101 the 000001 ,talen use tnIcrrnallort tire your ciecA to maks an alatatiKaiC :101051551 lands may 0,0 dithdrawn foim you,: account ae mon ae 00? samo day we taiEitie 05111 paricat and tyso Wit 000.051' yoin etc.tx but* tom ;car iirtancit0 insr0otion '1)105)505055 ig (II 5011; payment maybe doloyed ye0 send cash misspends:ice Of talteit dens With ynur payment 11 Sind the payment In any etst. address ot you use an envelope 10l1o1 than *000)1 pro,Add Payments renewed in proper form .000:1 processmg 00500100 5Ftl eo:111500 or; any day-mil be o-edicd!o ycw Account 050) tilal day Paymonts ref:ex:aid nt our tyr,dess,ng tardily Atte; 0013 local nate :90 be credied to yet 0 Accatini OS el the next day 11 feu have ritsp,ocid Oslo erlynixpe send yner oit.,ment Otseever PO BsoOIOO Carol Stream IL 60V-6103 '35105000 7-10 days tor dele,s7:. It yaur payment is Coined unpaid re,serve the right to resubno FS an 11103010100.1)11010 You can pay your ninnum payment or a greater amount over the lelenhone and you con se: ido autonnalic payments Cali us it 1-60041720:83 Yal soll nesd ihos 51300015511153 015151 bank seocent 101001011,r You must 10100.01031 sultoent ubets are available st your 15110)5551551) earl trials:scions aunt zotoply with itt 19 iaw 51,.; prodide the first 5 dols 50000 statement ZIP aide 8,ealaring those lumbers as your eteotroafc sxcinature '030110115391055913 this alithoreation alIsw 05 and gime bons 5000)55/1591111100,000050151 yuul 4.1.‘k accmnt 01110101910111)1 dehit t'Y Credit noir xds to yout hook 500001531 opoittiabia oottetti ottot in Ole lioitti-ostaii ol 05010 005111010 You nisi red us the amount 5)10001 payment 01 you C0150'055511151150111 51150.11115 1001511131103501031 Dos cu the Ness 6313n010, nlx ench slaternent You can caezel payntent 10.15500)150 15401 !venire natice At iatISI ?idea OklittitSSO dtlyS eiivadr-e el he ,?,:dieduied inairi You 001)) ritt,fy us by phone at i1150'501'/01135, by mall al the address tsted 15 the prev/aus paragraph It yoor paments may ',en/ orouri We Ali) teg yoo each month!), statsment when your paymer w111 be made and ho, mudh 9:11 ho YOUrAitOrtiatiC dat:iiiiCiti an Otani 1)1:4000 tess lieu the :1110113111(10)1 ale 10105)05013100011) based ell 310)555111)001011? applied &Attila tato01,01oyuitsi Credit Reporting Vida .1035155511 fnlormaisi 8050130111 attocun!te credo bureaus. ttSo aaymcnts intssed pa/meals er otier delauhs on vobr aetyairt: 15530 00000 In ycur 510)0)503311 We no, inal4 ;evil the Siolus nod payment lash:1y 01 051(100811011115 reociang agen305 sanh mot rt 11 'int! dori our 01/91110 inoutoifee (1f:1135111151013 okose wide u: trio ramie() oldiess Discover P0 Box 15316 DE 14.006-53 F101130ynut name idoress, home relepi sone ;lumber and iserrourii nunter PERIODIC FINANCE CHAGES Periodic Finn ricc Choiles are imposed en rid hansom-01s fienn Inn date the 1,ansortion 10, postod to yodr ArAount until !ha eine van nay 0013 enire New BOtariCe itoy making poythents teceittoto credos Her:ever wiiprovide the lottodnng grans psmd if /611 iNSid Neo 0210,11:0011 ;nor 00r5030 hi1l,o 51011111500065 the Paymout ate (bits:shown ott Idal slalomed,. arid you py 13,00050' i0503ir.:e by Payment Due Data on thd, 0i0i11l115101l 0511Axl: not ,mpese itiorinue Charges nn new purchases Off is parcha?es first appeanig en this Steleineril 00I5r5t1101 yOlt 11*301550 hiling statement next month ihnl F'snadr, Finance Ctxtrics on lion nc-s tioshases Osie no vox 50)411101 balance 035011010111 nest' adVlifiCe•S We sort your Iransanons 101id gioups et oorcimes 3355advances 011000513)0.0 trausrets and then fUillef Sed the ionsactions mdin each wova then-Annual Peroentage Rate For example porchasim soblect to promote, '1)1010111 puichastds 501,155)10 stardard 1105 xvuold 0? seporato groups We tiler la these 5101,01.05 iarissIcton 100ege5e0. 0: the efx:1 ot each teling period xer 5.0015111180001030. Ftiartde Charges for ?bell day ni 110 tyting penorl for each. ransacton category We use the 1.010*015 0<itista31110 compute Psrrid,c fix each imnSochOil Oategnly A.venige Daily Drilanoa x number of day5 the 1)41900*d X Daily Pemli. Rate lSee. 000finance. erage summary Mahn:Ott tot lhosi, amounts Thos 410 038 up (ha Peric.idiO FinoriOtr00019e5 to each Itansacian caliper/ to get the tdtat Pertodtc Finance Charges ix your Account. 105steerage Daily 6a,?r,na ts 5hown as dem foorto peorzi rip reendiT. F,,ronsl Chnolos sirov tKo 101 a transontier. coierjoiy We erre 115000e1050 Daily Bclance in-toWng new transacttens) method al caIculaling the balance upon idiot, 010 wipose 1,eried;c Finance ChargeS 59 compute !NIA:Jews Daily Brfanon fel 031;11 trinsaratei category by adding up ail 110 daily basineos to to trltrog 5411001101001 t, trans aain nalegor,,ard vilog byb SO opo.ber days in the tatting cyoe eornpute the c's0,, ba,ance ler each troisadlon colegorx• on 0)0311100 by tirst aiding the IniowIng 1,> the prax,ogs days daily balance trensacbc.ns made that day fees. charged that day and Periodr, Fnabee 01131p0s oporied en lila: day 02 trunsciori ts postd 10/30)1 Acdount after the close ot LxIfing pencil tn ogct.e we witi troal eie irausuclion es 000'::105'C0500551 011)08 firs.: day or Me billing 501,00111 vexch it ts octx,e'd 1050001.40501110 fM5,.:narged to your Acomnt an? added to Pie taandaid uttit011aSe hat:Sac:Ma category ;vial lie siceplian Gash Advance Tiansaelron Finanqx Charges what are added 05) the apoYcable dash advance tansacton category and Balance Iten.fet 1.,8ns5005 Fee Finance Charges which ot eado.ed to 111.?,.. 11an5tex rianLacbga 00103109 VvIxen twos! tato txxifee 501ove Ihe tinpsxd bata non r) tha 0- 311 transfer and the "nlaance Itorerrei TrarisactIcr Fie Finance Choi gas la 01 0)911 tiordliaSe nttildati Oateciiito HoO0)',-5i 1! the speorat rale has been 1g:wailed under ;I* UotatA 3,010000.0 0,0 ieave the unpa,d balavoe or ths botande transfer and the 13aanse hansler Trans:0Am Fee '0,00155 Chatges 10 the app4dable Item:eel:on category ualtIrb, emaId 021,o eximed For TLID (Telecommunications Device for the Deal) assistance. call 14300447-0449 Disoover 11111451)1011)5) ind 51 teeOf d teleabone calls betwafol you and Discover reareseitouvas tor qualny ass,,, once p,,T.,)ses The DV:Outer caRI is issued by Dii,:cever Bank Member FDIC 30228758 010100)10/ DISC VER New Balance 829.31 TODD HOSTETTER 2101 PRINCETON AVE CAMP HILL PA 1701 1-5445 Minimum Payment Due $15.00 Payment Due Dale July 26, 2007 Address, e-mail or telephone change2 Print change in space above, or go to Discover com Print your e-mail address to receive important Account information and special offers Account Number ending in 1799 Enter Amount Enclosed Below Please make check payable to Discover Card or pay online Discovercard com PO BOX 71084 CHARLOTTE NC 28272.1084 000001986458480716022000293103595940001500 Discover More Card Account Summary Closing Dote: June 27, 2007 Previous Balance Payments And Credits Purchases Cash Advances Balance Transfers Finance Charges New Balance Account number ending Payment Due Date Minimum Payment Due Credit Limit Credit Available Cash Credit limit Cash Credit Available in 1799 July 26, 2007 $1500 $8,000 00 $7,970 00 $2,000 00 $2,000 00 page 1 of 1 $3,595 94 3,595 94 0 00 0 00 + 0 00 + 29 31 _ $29 31 You may be able to avoid Periodic Finance Charges, see the reverse side for details Cashback Bonus` Cashback Bonus1 Anniversary Month July Cashback Bonus(R) is America's #1 Cash Rewards Program, Full 5% Coshbock Bonus on Get More purchases in popular categories throughout the year and up to 1% Cashback Bonus on all your other purchases Opening Cashback Bonus Balance New Cashback Borus 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 unpaired) see reverse side Visit Discover.com to pay your bill for no cost, view your latest Account information, earn and redeem rewardand more 2 Coll 1 -800 -DISCOVER 1347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager 3 Wiite us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions Payments and Credits $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Post Date Date Jun 23 Jun 23 PAYMENT - THANK YOU $ -3,595 94 Information For You Balance Transfer offer for current billing period Daily Periodic Rate 0 01616%, corresponding ANNUAL PERCENTAGE RATE 5 90% Rale is subject to the terms of the offer including expiration Finance Charge Summary Average Daily Balances Daily Periodic Rates current billing period 31 days Pu c a�',ex�� $3003 44 0 03148% C��bRi6q��e68 $0 0 05751% Nominal ANNUAL ANNUAL PERCENTAGE PERCENTAGE RATES RATES 11 49% V 11 49% 20 99% F 20 99% The rates that apply to your Account are either fixed IF) of they may vary (V) as noted above Transaction Periodic Fee FINANCE FINANCE CHARGES CHARGES $29 31 $0 $0 $0 Get 5% Cashback Bonus(R) from July through September or gas, hotels, and admission to theme parks, water parks, museums, aquariums and zoos with the Get Mole program Sign up at Discovercard com or call 1 -800 -DISCOVER (1.800.347.2683) Important Information if these It; more Shan one page to lhs hriny statement see the hack r>`: each page lar addlterlat rperant af(rmaaon See your Cardrnember Agreement Your Danlinernbei agreement c)nt::no all the teen; of your At:4.M n Lost or stolen cards Co[ 1-8110.347.26P:3 Billing Rights Summary In Case of Errors m O0,adne About Your if,cutalk you, b11 Is 4rrlg c: tf --.,rno need more Irfnrma000 about a ea;ls:n7mi en four hill (ora :rya) separate sheet (f paper at Dlsco`:er PO Hoc 30121 Sat take Cti UT 04130-0422' 110 scan sn possible We must tear hem you no 1ate1 then Dtdays after 1.ve sent you the 1131 L91 cn vdlr:h do-; ('101.01 problem al111aced Ytxa 11011 teiephena us lee dolor so 1y:8 not fie 11100 ,;air rights In your taller cove us to fialteing .rlonlla one. • Your none end 200418,1! n0mbet • The d411011imtn MI el '118 suspected (nor • 11e<31101 the error and 11111118111 d you ten why VCU 0400`:11111010 0 on error r'1 yen need more des aloe the 0010 you are unsure 101 You do not nave to ;ay any amount m quos?an Mee Are arc t veshgating but you ere s1::'1 ob1ga!od 10 oey the parts of your 1114: Iha are not ,n question While' o,e tntcshgotc your ^010 00 we 001131 I upon y r:a 311 dellnqucnl0: take any txA;313 ! 1:33031 'Io amount !41110010) 111 Special Rate for Credit Card Purchases It you have a problem with the t oaaty of gods or services that yea ; ur.1esed v,,,1(411 caedn card end vcu :have mad In good WI': to correct the: problem ,rail Ye merchant you ,nay not ban: to pay the temu'.nng amount clue on ;10 goods 01 0001(00 nee have `ha protect:011 only ::hey the (1011l:ase c11a: DISC VER New Balance Minimum Payment Due Account Number ending in 1799 50.00 50.00 Enter Amount Enclosed Below Payment Due Date August 26, 2007 TODD HOSTETTER 2101 PRINCETON AVE CAMP HILL PA 1 701 1-5445 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: $ PO BOX 71084 CHARLOTTE NC 28272-1084 000001986458480716022000000000029310000000 Discover More Card Account Summary Closing Date: July 27, 2007 Account number ending in 1799 Previous Balance Payment Due Date August 26, 2007 Payments And Credits Minimum Payment Due $0 00 Purchases Credit Limit $8,000 00 Cash Advances Credit Available $8,000 00 Balance Transfers Cash Credit limit $2,000 00 Finance Charges Cash Credit Available $2,000 00 New Balance page I of 1 $29 31 29 31 + 000 000 0 00 + 0 00 $000 Cashback Bonus' Cashback Bonus® Anniversary Month July Opening Cashback Bonus Balance New Cashback Bonus This Period 0 00 0.00 Cashback Bonus Balance $ 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, earr and redeem rewards and more 2 Call 1 -800 -DISCOVER 1347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager 3 Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions Payments and Credits $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Date Jul 24 Post Date Jul 24 PAYMENT - THANK YOU -29 31 Finance Charge Summary Average Daily Balances current billing period 30 days Purchases $0 Cash Advances $0 previous billi�n. nod 31 days P30228758 $0 Daily Periodic Rates Nominal ANNUAL ANNUAL PERCENTAGE PERCENTAGE RATES RATES 003148% 11 49% V 11 49% 0 057.51% 20 90% F 20 09% Periodic FINANCE CHARGES Transaction FINANCE CHARGES $0 $0 $0 $0 0 03148% 11 49% V 11 49% $0 none The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above Important Information if Iha e Is noore than one page to Iha t.Oing statement see the hack at each paw for additional important ,nfom)aeon See your Cardmember Agreement Your Catarnernberagreement ccnlons all the teems of your Accfxtrif Lost or stolen cards Report tar iedielelyt car t -8!)0-34 7.26P:3 Billing Rights Summary In Case of PcI' s o C:,es'rens About Yna:o 01 i if yeti thank yr,,;i (11110505(1 ;) )"F+ i0*> hie 1nlnrm2:en 3tx)01 n lrans.wlo'0 en 0 r'•51 (51(0 Ga 00 separate sheet of paper at 6 steove3 PO 11cr 3:0521 Salt take Crty UT 8.130.0422' es soon its posette We must hoar horn your no Wei than u0 days after .se sent you the nn VI on which the env- or prob'er 1 appeareri Yui err. telephone us hue (8'111.1 501x1 not preae!t6 -101r rights In tyroir 1, !ler gra us the k'I nwng o:iorme:tm • Your name and Account rwnhr r • The deb, 10):1 ue 01 the suspsle3 • Olesciihe the ever and explain r: ytm can .tiny you be'.t,e`:e there is an error If you need more mrenualton describe the Item you are unsure abut You do not nave to pay an: amount 1n qucslor: white :r' are taYestagaang but you rare 5(1 clb ^gated c) pal the parts cf your 63t Mat tura no1,0 900saon Milo lye investigate your qucs!;oa we cannot leper; you as dclnquenl tahc• iift1>11003y atton the araouni you dae111311 Special Rate for Credit Card Purchases 11 you have a problem with the quality of goods or senoN' that yet: ratrotaased with a ciedd cafe; end you hay'e tried in good Is!lh !o anted Ihr! problem :v,:h me merchant you may not have: to pay the tema:n:ng amount due on the goods cr 00(00(s 'Poi 113Vt., Ohs. p'01e1111(n Ont) when the pur1i:ase ;vial was mere tar. 150 and ale rorohase was made !(''500 hortw state: 01' Y111hn1 IA;' miles c1,0117 mailog addresII! (111.130•!1 or 0peiale the meowUint or if Re mailed inn rho ad0crlrenteni fat the 9,0x1 fir Set tau, 011 the purchase are coveted regardless of the amount 0+ loc(11(011 of the I)urchax1 Payments Send ooll you- pa3nlant and the top ponlon 01 the earement in the envelop crovrd0d Do not send -:ash By sending your check as described above you authorize us 1u use rn(01(1a?ian 3111'11111 eltea(!0 make and el1cg0111 Font: 1(0115113 110111 3101 account al the fuanoai ms':Itun01 Indcalud on jou! (:he,'i: (111 k7 fArna:SJ `:ht 30yII:Y;1i its a the^k tran5ac4cn If :he pa)men1 (5:(101101051 as an 6eelren c Rural !roister the can=ter *11 be tel the anw ant c1 the. ;aur •Wheh 09 use mhctmauon front you; che0'.. !a 10300 an ols000t rt: (uud 100,11er hinds may t: withdrawn 1(3(10 you accatm as amara as 5'e slim day we rea:r:15 .our payment t - you w t nor recrwr you' check back L110 Ja.r flaareatit institution processing at your payment maybe detayad d you send :;ash: caiespontience a alher 172:!:1, cath your t„rynl(ot 11351 send the payment to any oihet 1(10(0ss 0111 you 'sat 411 envelope other than the onto pro1ded Payments rota:wed in prover form at Mu processing fac0,5 by 5011 decal tum11 an 'w any day 130 crcditod 10 your 111100511 as of that day FaylA11010 reoeled at our prax=_sng F abhy afv:1 5P!,4 1x:01 fife :all be undned u: rn:r Acc:o(1 1 as 0t the next day -P you (ova 115110csd 501(3500501 send :err p,'1:11(10(1(1 Discocor PO Box 11100 Carol Stream Ii 60107-6 03 Please a'1uo, 7-10 00,5(35015111110 If y -so paymeol s ren' 0 00 unpaid we raerye11111 right 1.O re1ubrt i it .in elec0cn:5 del:!! You ran nay your mmlmiar payment ora greater amount over the telephone end you can setup aulamarc.p 111015 Cal'': lis at 1-eC(J-g''(83 You :ydl need 'his statement and dour bans. 00r4u01 :nIOi`latlnc Y,xi must ensure Tat sutfisent funds ale ava1able at ?oar Ozark a'315U11 anti eri b51n5:h"II, (sunt x113))11 with d 1. yaw You ?tali hal fek11, to ya padu the first 5 d rots of you acwu,a statement ZIP aide 0y entering those 1511103(s as your etectrs1c0000tere you 114 he agranp la this manenzab0n '3 allow us and ;rte haul to 1(0((1l1”: r 1151 payment you .ia2 . 1'( hem y%11 bouk 111.111,.+11 and Io Y)it':, 1.. debit 0110111 en7((00 10 you: (':" :k ,1'0.,1U111.ao 00.310(011(113 Ip ;.:f 10 1 ,1 1 !tai' 511u 11 1111 9 01 such (101•(111' You 111001101,(O the amount of each payment or you can saieman Amount s:: h as cy rxnr'r Pa r'.en: Du. hr 0, Gaandc nri er,on 1 er:ta11( You can ca1:ce1 payment 1100001-11''we inusr receive (Mee at toast three (xisinse :;lace e: nneance el the 5•'`:eduleci payment You imy lily us by ph:atc at i- 900?47-Zfi1:10111y mail at Me d-es<Islad is the previous paracra00 3 v001 Payments rat .01511 amount we x111 telt ;au On ewh month`). statement when your 111 11(31 wilt be made and ho: rush it ',HI be your`5 3111(111; 05'(1131•`. an'1 !111 .0:10 1:(t :5:... en the :ntimm(1113 i fir ^t 1010'. rf 0k31arnent base: o1. 1151.10 n! pa /meets 111(ted 1111119 inc bill g 500111 Credit Reporting We mor1310x,^ 1n`erittabian about you; account to credo bureau,. lata; payments ra ssed aairreml cr War detains on sour acaaunf may be re80c(td in your credit. 1001 ', 1500 110+11511 (15(11111the slates one payment 111510/9 01 your Aomori', to credit/0300009 19030,05 each 15411!1 ,f you b''i.s! that au; ':,11)11'0111auailahe u ,semi 1p. nlr: please w)de 1(011 tIe Wowing 311) ass Discover P": 131x 1.5316 5,., 1031 .n '.x?. 1<IE5.0-5310 Please inratie your name adCrxXX home ustep!nno numher and becount numhm PERIODIC FINANCE CHAGES P^aod:c F nand CI)alg00 are unposed on au hru,gaGlnns (dein the da?ethe transaction K 0'3(513;!1 in l ar Acawn! 6:1111: 1113.1111: (131'1 Gay 00ei isuse !Jew 005).30(1 bey making payments oh reoe:.lng cedits However w,".s!1 pra.rde'the: to a:nrg graze per100 If you paid the NOW i1al1'.o:.e 011;•c: r per„0u= billing statement by t11e ra;r1mznt ib. e Date shown ort Mat statement awl you pay the New i3aanod by the Payment Due Dust en Rha snarsn1:nl'•511 •:v'1.- sal Impose Pecuda; Fai1nc..- Charges an nen, purchases that is purchases first 2ppeanag on 11115 stafea efil Othern•� r you ;vri/05/5111 u billing stVern1nl n^.rt men1 that 1501(0001(113313013 F!000110 JhOI9es on those now purchases 1 hex: 1s no grace perr-d n) balance 011101nrs 30 cash advances 'hie sort your Iranlacp13n01r11u groups of purchases ca00 0:1001ies and halanoa tra,lsfers ark; then: tanner sort the t:a,sadisrs within each. group ter thelArtr:al t1er'1entrrge Rate For example parchaseo 111(00111 Fa 3 pran'ole ,5l MIL ami purchases surliest b3 standa!11 rate :30(110 05 sepa1a?e grows We refer ba 11(05(1prri35 es h511Steb00 c:n!equnes 110 the e:1d of each Ct :ng period WE c1mu(10 Pen0d l Fenanoe Citares fon' each day et the b011ag 13(11.1.(5 nor each trensa0:on category 1/50 use the 1:111`x914 e;ust!on to compute P011011,11 is each tr1nsaeler 0.01Gary Auamge Daily Dalamr r number of (lays 111 file Je1.1g pe+Od x f)u1(; P1e:160 Rale (See the finance C10.1i1l1* 511101nany cult y0ti''statem10 ,117)1 these 0met11(5 1 Th on :0., add up Rha Perlo0io Fclance Charges for eau: transaction category to get il)e alai Pennd;0 Penance :.barge, tor your Account. The average Daily Ba an01115 shown as.1111d' har.ou'se of 11113 'bars panod no Periods 111(0(1003011019111159(11111011131(0(1)0111(11.1 I4a11,1011013 cit{+gray 'e use 1110Average Darty Ba 9ne 1ntltl1ng new (rensa00010) method of ta'ci1ie111191 11 balance up3h'O l(Cb we tn'!pe015 110000(0 Finance Charges We wmpate the A',era(te Dally Bolonca fur oar's 00,11110051alegnr; ir. addatg up all the dally boIancoa in 11 tang pi 1311 In a ltansact:en cttt144nry:mu 01,•511111(1 th(: ;Oat by Inv r:1r,b1c of- days ,n the billing cycle /.-e compute the rat?,' ba,ar:ce `:or each irehaac111(13111.gory on ead7 day by first adding :he fol vwelg to fie p' eoioos days Caw betance trensactms made that da} fee_ charged that day and Periods Friar:1115 Clogs a471ae(I en that (lay If a rinse:man013(0101110'x01!1 Ax,,;13u111 cher the J^sect the 01111(0 IA'11(yii (,which if rx:cn:5 ,xe'wdt if 1(111 trap"x10I4141 as ha:^ ng Occurred r1,'. (`.e >351111(03)3115 bllllnr period 'n Wtt'et(It is TL:Sed t0 your Acoeun;. Al res charged to your Account are added t0 the SU1i11ai'd :411:13305 transaaien ealagar'wets tit& 5100p11an of (7a0I1 Advance T1:Ms3071 3 1'ee PtaInt0 Charges witch: are added to the applicable cash advance ransaction categoryi+and 611 once hla,mfei aansaci,n Fer1.171Ye Charges :attc1: tae added to the 5p 11cable baience banter t1 an6t:ct,0,( <aie_ltry When the tip :al ro c expires we f P:c11110 unta3:d balance o: ,h.; halanc ; transfer and the 3atunre: T" 115101 110nsaa100 Fee R. t r ce Chat ro:hoe standard purchase 1tar act,hrt Wagon) Now51'di. If 100 speoial rale has been lemlm_1:ed under the tk (salt Hale Dian vee i82ve the 00;011 balance of Ire llatanee 1ran5(ef h.d the 8a:a:)cs 1(aster 1r5n5:1001111 Fee Finance Charges ths ap^y11C,ntdf: trene.a^en Category tint/ Its (penal roue rvar:J have nxp,red For TDD (Telecommunications Device for the Deal} assistance. call 1-800.347.7449 011:0001 17013/ front); :111(1 a record fe!eo1''ila cavils tietween 151)1( and Die.ca.yr ia.reseniativ :5 for q+:.:5 f asc•rance nu ,;fries the Discover' card is issued by Discover B5•111,. Member FDIC', 30228758 .01711010! DISC VERs Nev Balance $1,050.00 TODD HOSTETTER 2101 PRINCETON AVE CAMP HILL PA 17011-5445 Minimum Payment Due $61.00 Payment Due Date February 22, 2011 Address, e-mail or telephone change Go to www.Discover.com or print change in space above Account Number ending in 1799 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 000001986458480716022010500000000000006100 Opening Date: December 28, 2010 - Closing Date: January 27, 2011 Discover More Card Account Summary Account number ending in 1799 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Interest Charged Fees Charged New Balance $0 00 0 00 + 0 00 + 1,000 00 + 0 00 + 0 00 + 50 00 $1,050 00 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $8,000 00 $6,950 00 $2,000 00 $2,000 00 You may be able io avoid Interest Charges, see Additional Important Information for details Cashback Bonus'' Opening Cashback Bonus Balance New Coshback Bonus The Period Cashback Bonus Balance Tu learn mwe :n u1 www.Discover.com Anniversary Month July 0 00 0 00 $ $ 0.00 page 1 of 3 Payment Information New Balance Minimum Payment Due Payment Due Date $1.050 00 $61 00 February 22, 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 transfei APRs for new transactions may be increased up to the Penalty APR of 17 99% variable Manage Your Account Online at www.Discover.com Securely access statements and free online tools, pay bills online and track and view all transactions simply and easily Make your money worth morem find easy ways to earn and redeem cash rewards NEWT Access your account securely through your mobile phone 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call 1 -800 -DISCOVER (1.800-347-2683) Please have your Di covertcard 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 Transactions Balance Transfers Trans. Post Dote Dote Jan 3 Jan 3 BALANCE TRANSFER CHECK 0421 USA APR 0 00% EXPIRES 01/2012 $ 1,000 00 Fees Jan 3 Jan 3 BAL TRANS FEE 50 00 TOTAL FEES FOR THIS PERIOD 50.00 Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 0.00 2011 Totals Year -to -Date 30228758 TOTAL FEES CHARGED IN 2011 TOTAL INTEREST CHARGED IN 2011 $ 50 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 ovoilable rother than wad for it to orrive 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 ..o.,no..r [3,1 I:Ua PAPER CL Ie 30228758 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER DISC VER it pays to DISC VER' TODD HOSTETTER Account number ending in 1799 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 ERECT SUBJECT TO INTEREST CHARGE RATE Purchases 12 99% V $0 $0 Cash Advances 20 99% $0 $0 Balance Transfers 0 00% $846 77 $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 Descriptio..n..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, 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 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 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 Al 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 4 you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day If you have misplaced your envelope, send your payment to Discover. PO Box 6103, Carol Stream, IL 60197-6103 Please allow 7.10 days For delivery If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit 30228758 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1.800.347.2683 Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment dote (e gthe 15th 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 811130-0421. 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, (in) stotement Minimum Payment Due plus a fixed dollar amount. or (iv) a fixed dollar amount If your scheduled fixed payment is not enough to cover the Minimum Payment Due 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 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 ❑ Full Pay LI Min Pay ❑ Min Pay + $_ (.__.j Fixed__— Bank Routing # Bank Account # Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payments,missed payments, or other defaults on your Account may be reflected in your credit report We 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 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 1 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 poid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose Interest Charges on new purchases, that is, purchases Fust appearing on the current billing statement, or any portion ot a new purchase, paid by the Payment Due Date on your current billing statement We call this the "grace period It is not less than 25 days There is no grace period on balance transfers or cash advances As more fully described in the section of your Cardmember Agreement titled "How We Apply Payments," we generally apply payments to your Account based on the APR applicable to the balance of each transaction category This means that If you do not 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, rt will be billed at the beginning of each anniversary year your Account is open The amount of the Fee appears on the statement when the fee is billed The annual fee is not refundable unless you notify us that you wish to close your Account within 30 days of the mailing or delivery date of the statement on which the fee is billed 'You will receive this refund even if you use your Card during that period How We Calculate Interest Charges • Daily Balance Method (including current transactions): We figure Interest Charges for each billing period To do this We calculate your Interest Charges separately for each balance subject to different terms (for example, standard purchases, standard cash advances and each purchase, balance transfer and cash advance balance subject to promotional terms) We refer to these balances as transaction categories We figure the "daily balance" for each transaction category To get the "daily balance" we take the beginning balance for each day, add any new transactions and fees and any Interest Charges accrued on the previous day's daily balance We then subtract any credits and payments and make other adjustments (including those adjustments required in the section titled "Paying Interest") In calculating the daily balance for the first day of the billing period, we consider the "previous day's doily balance" to have been your balance on the last day of your previous billing period This gives us the daily balance for each transaction category We figure the Interest Charges on your Account by multiplying the daily balance for each transaction category by its daily periodic rate, for each day in the billing period The total Interest Charges for the billing period ore the sum of the 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 bilkng 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 d rs 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 Discovercard is issued by Discover Bank, Member FDIC o1TGr:i%2 30228758 DISC VER it pays to DISC VER TODD HOSTETTER Account number ending in 1799 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 c $25 Bed Bath & Beyond gift card For only $2 99/monlh Wallet Protection helps notify card issuers S. monitors your credit activity for 90 days if your wallet is lost/stolen Visit Discover com/walletprotection or call 1.877.623-8014 to learn more or to enroll 30228758 Questions? visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER 30228758 Questions? visit www.DiscovOr.COM or call 1 -800 -DISCOVER (1-800-347-2683). MOWER DISC VER New Balance $989.00 TODD HOSTETTER 2101 PRINCETON AVE CAMP HILL PA 1701 1-5445 Minimum Payment Due Account Number ending in 1799 $60.00 Enter Amount Enclosed Below Payment Due Date March 22, 2011 Address, e-mail or telephone change Go to www.Discover.com or print change in space above 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 000001986458480716022009890000061000006000 Opening Date: January 28, 2011 - Closing Date: February 27, 2011 Discover More Card Account Summary Account number ending in 1799 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $1,050 00 61 00 • 0 00 • 0 00 + 0 00 + 0 00 + 0 00 $989 00 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 $8,000 00 $7,011 00 $2,000 00 $2,000 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 morn r,vlog :n vi www.Discover,com Anniversary Month July $ 0 00 + 0 00 $ 0.00 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call 1 -800 -DISCOVER (1.800.347.2683 Please have your Discovers' card available 3 Write to us at Discover, PO Box 30043. 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 $989 00 Minimum Payment Due $60 00 Payment Due Date March 22, 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 card 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 22 months $1,013 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 moreSf✓ ---find easy ways to earn and redeem cash rewards NE VVI Access your account securely through your mobile phone Transactions Payments and Credits Trans. Post Date Date Feb 20 Feb 20 PAYMENT - THANK YOU $ -6100 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 TOTAL INTEREST FOR THIS PERIOD $ 0.00 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadable, password protected statements • See your statement as soon as it's available rather than wait for it to crrive 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 4;201 0 0 , over but ¢: Me r,bn Nye. CAPER U: 10 2011 Totals Year -to -Date TOTAL FEES CHARGED IN 2011 TOTAL INTEREST CHARGED IN 2011 30228758 $ 50 00 0 00 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1.800-347-2683). DISC•VER DISC VER It pays to DISC VER TODD HOSTETTER Account number ending in 1799 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account Current Billing Period: 31 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE (APR) INTEREST RATE Purchases 12 99% V $0 $0 Cash Advances 20 99% $0 $0 Balance Transfers 0 00% $1,034 25 50 V = Variable Rate Information For You Need Cash? Whether it's for an unexpected bill or an emergency car repair, Discover(R) card can always help Get cosh at ATMs nationwide or have money deposited directly into your bank account Visit Discover cons/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 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 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 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 error: 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 bas 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 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 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 30228758 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 dale (e g , the 15th day of the month) that occurs before your Payment Due Dote If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each pa ment you authorize, in the amount se'ected by you, from your bank account You also authorize us to initiate debit or credit entrees to your bank account, as applicable, to correct an error in the processing of such payment You can cancel 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 pament 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, (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 she scheduled payment *greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement Ifgyour scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credits or payments after the Closing Date If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records ^ _ Amount El Full Pay Min Pay El Min Pay + $.__.___. _ i.._I Fixed Pay$ 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 Ifou believe that our report is inaccurate or incomplete, please write us at the following address Discover, PO Box 15316, Wilmington, DE 19850-5316 Please indicate your name, address, home telephone number and Account number Paying Interest We begin to impose interest charges on a transaction, fee or interest. charge from she 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 NewTtalance 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 she 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 she 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 Cosh Advance Fees to the applicable Cash Advance Transaction Category We add all other fees to the standard Purchase Transaction Category Balance Subject to Interest Rote. Your statement shows a Balance Subject to Interest Rate It shows this for each transaction category The Balance Subject to Interest Rate is the average of the daily balances during the billing period Credit Balances. If your Account has a credit balance, the amount its shown on the front of your billing statement A credit balance is money that is owed to you You may make charges against this amount if your Account is open We will send you a refund of any remaining balance of $1 00 or more after 6 months, or as otherwise required by applicable law For TDD (Telecommunications Device for the Deaf) assistance, please call 1.800-347.7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes The Discovermcard is issued by Discover Bank, Member FDIC et^''vui 30228758 Questions? Visit www.Discover.cern or call 1 -800 -DISCOVER (1-800-347-2683). DISCSVER DISC VER L. New Balance $929.00 TODD HOSTETTER 2101 PRINCETON AVE CAMP HILL PA 1 701 1-5445 Minimum Payment Due. $59.00 Payment Due Date April 22, 2011 Address, e-mail or telephone changez Go to www.Discover.com or print change in space above Account Number ending in 1799 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 000001986458480716022009290000060000005900 Opening Date: February 28, 2011 - Closing Date: March 27, 2011 Discover More Card Account Summary Account number ending in 1799 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $989 00 60 00 + 0 00 + 0 00 + 0 00 + 0 00 + 0 00 $929 00 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $8,000 00 $7,071 00 $2,000 00 $2,000 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 Innt, vie log :nut www.Discover.com Anniversary Month July $ 0 00 + 0 00 $ 0.00 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 Discoverwcard 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, Caiol Stream, 11 60197-6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449 page 1 of 2 Payment Information New Balance $92900 Minimum Payment Due $59 00 Payment Due Date April 22, 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 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 21 months $953 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 NE W I Access your account securely through your mobile phone Transactions Payments and Credits Trans. Post Date Date Mar 19 Mar 19 PAYMENT - THANK YOU $ -60 00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 frtn iSit8 TOTAL INTEREST FOR THIS PERIOD $ 0.00 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER' Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadable. password protected statements • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone • Print a paper copy of your statement anytime • Sign up today of Discaver.com/paperless '20er bu!tk 1rembei FDC PAPER CO IU 2011 Totals Year -to -Date TOTAL FEES CHARGED IN 2011 TOTAL INTEREST CHARGED IN 2011 30228758 $ 50 00 0 00 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER DISC VER It pays re DISC VER TODD HOSTETTER Account number ending in 1799 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account Current Billing Period: 28 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE (APRI INTEREST RATE Purchases 12 99% V $0 $0 Cash Advances 20 99% $0 $0 Balance Transfers 0 00% $969 71 $0 V = Variable Rate 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 Put more interest back in your sovingsl Move your money to a Discover(R) savings account and earn rates that have consistently beat the national average Visit DiscoverBank corn or call 1-888-728-3212 and talk to a knowledgeable Banking Specialist any time, any day Please be sure to mention offer code M5G031 1 Your credit score has never been more important Sign up for Credit ScoreTracker today and you'll receive access to your Experian credit score and report and alerts that notify you of certain changes to your credit score Enroll today at Discover com/CreditScoreTrocker or call 1-866-708-0672 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 Prob'em If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake You must contact us within 60 days after the error appeared on your statement You must notify us of any potential errors in writing You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question While we investigate whether or not there has been an error, the Following 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 corect the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, all of the following must be true 1 The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50 (Note Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services ) 2 You must 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 30228758 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 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 se'ected by you, from your bank account You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment You 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 pament 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, (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 fiorocessed 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 (7)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 transaction, fee or interest charge from the day we add it to the daily balance We continue to impose interest charges until you pay the total amount you owe us You can ovoid paying interest on Purchases as described below However, you cannot avoid paying interest on Balance Transfers or Cash Advances How to Avoid Paying Interest on Purchases ("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 • Doily 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 rote 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 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 o credit balance, the amount is shown on the front of your billing statement A credit balance is money that is owed to you You may make charges against this amount if your Account is open We will send you a refund of any remaining balance of $1 00 or more after o 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 RLtit ESDI 30228758 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER DISC VER New Balance $869.00 TODD HOSTETTER 2101 PRINCETON AVE CAMP HILL PA 1701 1-5445 Minimum Payment Due $ 58.00 Payment Due Date May 22, 2011 Address, e-mail or telephone change Go to www.Discover.com or print change in space above Account Number ending in 1799 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 poshng PO BOX 71084 CHARLOTTE NC 28272-1084 000001986458480716022008690000060000005800 Opening Date: March 28, 2011 - Closing Date: April 27, 2011 Discover More Card Account Summary Account number ending in 1799 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $929 00 60 00 + 0 00 + 0 00 + 0 00 + 0 00 + 0 00 $869 00 See Interest Charge Calculation section following transactions for detailed APR mformahon Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $8,000 00 $7,131 00 $2,000 00 $2,000 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 Tv learn mwe km ii m www.Discover.eom Anniversary Month July $ 0 00 + 0 00 $ 0.00 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call 1 -800 -DISCOVER (1.800-347-2683) Please have your Discover® card available 3 Write to us at Discover, PO Box 30943, 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 o0197-6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449 page 1 of 2 Payment Information New Balance $869 00 Minimum Payment Due $58 00 Payment Due Date May 22, 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 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 20 months $893 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 NEWT Access your account securely through your mobile phone Transactions Payments and Credits Trans. Post Date Date Apr 22 Apr 22 PAYMENT - THANK YOU $ -60 00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 TOTAL INTEREST FOR THIS PERIOD $ 0.00 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadable, password protected statements • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone • Print a paper copy of your statement anytime • Sign up today at Discover.com/paperless 1::).0 I ii bunk •Ie mb. h <. PirtR 091i) 2011 Totals Year -to -Date TOTAL FEES CHARGED IN 2011 TOTAL INTEREST CHARGED IN 2011 30228758 $ 50 00 0 00 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER DISC VER It pays to DISC VER TODD HOSTETTER Account number ending in 1799 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 TO INTERESTCHARGE RATE ET R Purchases 12 99% V $0 $0 Cash Advances 20 99% $0 $0 Balance Transfers 0 00% $917 38 $0 V = Variable Rate Information For You This month, the featured Cashback Bonus(R) Redemption Partner is Bed Bath & Beyond(R) Redeem $20 Cashback Bonus for a $25 Bed Bath & Beyond gift card For only $3 99 a month Discover Wallet Protection helps notify card Issuers & monitors your credit activity for 90 days if your wallet is lost or stolen Visit Discover com/Wallet or call 1-877-623-8014 to learn more or to enroll Protect your purchases with a SquareTrade Core Plant Shop anywhere with your Discover Card and get your warranties through our preferred provider SquareTrade Please visit www discovercard com/protection-solutions/warranty html for details Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report 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 !nformahon Your name and account number Dollar amount The dollar amount of the suspected error Descrrptron 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 ore dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, all of the following must be true 1 The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50 (Note Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services ) 2 You must have used your credit card for the purchase Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify 3 You must not yet have fully paid For the purchase If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in 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 far delivery If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit 30228758 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 dale (e g , the 15th day of the month) that occurs before your Payment Due Date If your scheduled payment dote falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount seected by you, from your bank account You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment You 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, lvi) statement Minimum Payment Due plus a fixed dollar amount, or Irv) a fixed dollar amount If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due If the scheduled payment is reater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement If -your sc.heduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance Your automatic payment amount 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 El Full Pay Bonk Routing # _ Min Pay El Min Pay + $ Bank Account # I_j Fixed Pay$_.___. , Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payments, missed payments, or other defaults on your Account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agencies each month If you believe that our report is inaccurate or incomplete, please write us at the Following address Discover, PO Box 15316, Wilmington, DE 19850.5316 Please indicate your name, address, home telephone number and Account number Paying Interest We begin to impose interest charges on a transaction, Fee or interest charge from the day we add it to the doily balance We continue to impose interest charges until you pay 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 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 is A credit balance is money that is owed to you You may make charg open We will send you a refund of any remaining balance of $1 00 required by applicable law For TDD (Telecommunications Device for the Deaf) assistance, please shown on the front of your billing statement es against this amount if your Account is or more after 6 months, or as otherwise 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 30228758 ItZtii• LOU I Questions? visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER' DISC VER` New Balance $811.00 TODD HOSTETTER 2101 PRINCETON AVE CAMP HILL PA 17011-5445 Minimum Payment Due $57.00 Payment Due Date June 22, 2011 Address, e-mail or telephone change Go to www.Discover.com or print change in space above Account Number ending in 1799 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 000001986458480716022008110000058000005700 Opening Date: April 28, 2011 - dosing Date: May 27, 2011 Discover More Card Account Summary Account number ending in 1799 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $869 00 58 00 + 0 00 + 0 00 + 0 00 + 0 00 + 0 00 $811 00 See Interest Charge Calculation section following transactions for detailed APR information Credit Line $8,000 00 Credit Line Available $7,189 00 Cash Advance Credit Line $2,000 00 Cosh Advance Credit Line Available $2,000 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 Tv leiiiv mar. log :i, i3i www.Discover.com Anniversary Month July $ 0 00 + 0 00 $ 0.00 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call 1 -800 -DISCOVER (1-800.347.2683) Please have your Discoveriy card available 3 Write to us at 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 TOD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449 page 1 of 2 Payment Information New Balance $811 00 Minimum Payment Due $57 00 Payment Due Date June 22, 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 card and each month you pay You will pay off the balance shown on thisstatement in about And you will end up paying an estimated total of Only the minimum payment 19 months $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 moresv........find easy ways to earn and redeem cash rewards NIEWI Access your account securely through your mobile phone Transactions Payments and Credits Trans. Post Date Date May 19 May 19 PAYMENT - THANK YOU $ -58 00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 TOTAL INTEREST FOR THIS PERIOD $ 0.00 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadable, password protected statements • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone • Print a paper copy of your statement anytime • Sign up today at Discover.com/paperless 20 Cbunt mombe, I YL PAPLR i1"1IU 2011 Totals Year -to -Date TOTAL FEES CHARGED IN 2011 TOTAL INTEREST CHARGED IN 2011 30228758 $ 50 00 0 00 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER DISC VER It pays to DISC VER TODD HOSTETTER Account number ending in 1799 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 Purchases Promotional Purchases Promotional Purchases Cash Advances Balance Transfers V = Variable Rate ANTE ( L PERCENTAGE APRI N ERECT SUBJECT TO INTEREST CHARGE 12 99% V $0 $0 0 00% $0 20 99% $0 0 00% $851 60 $0 $0 $0 Information For You Every Purchase Counts! Every time you use your Discover(R) card, you earn unlimited cash rewords automatically Use your card for everyday purchases, monthly bill payments or for something special Make your money worth more -- today and every day! Get your Experian(R) credit report and score plus alerts when your credit score changes Enroll in Credit ScoreTracker today at Discover com/CreditScoreTrocker or call 1-866-708-0672 For only $3 99/month Wallet Protection helps notify card issuers & monitors your credit activity for 90 days if your wallet is lost or stolen Visit Discover com/wallet or call 1-877-623-8014 to learn more or enroll Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account Lost or stolen 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 Descnphon of Problem If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake You must contact us within 60 days after the error appeared on your statement You must notify us of any potential errors in writing You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question While we investigate whether or not there has been an error, the following are true We cannot try to collect the amount in question, or report you as delinquent on that amount The charge in question may remain on your statement, and we may continue to charge you interest on that amount But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount While you do not have to pay the amount in question, you are responsible for the remainder of your balance We can apply any unpaid amount against your credit limit Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, all of the following must be true 1 The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50 (Note Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services I 2 You must have used your credit cord for the purchase Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify 3 You must not yet have fully paid for the purchase If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at Discover, PO Box 30945, Salt Lake City, UT 84130.0945 While we investigate, the same rules apply to the disputed amount as discussed above After we finish our investigation, we will tell you our decision At that point, if we think you owe an amount and you do not pay we may report you as delinquent Payments. You may pay all or part of your Account balance at any time However, you must pay at least the Minimum Payment Due by the Payment Due Date Send only your payment and the top portion of this statement in the envelope provided Do not send cash By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer From your account at the financial institution indicated on your check or to process the payment as a check transaction If payment is processed as an electronic fund transfer, the transfer will be for the amount of the check When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided Payments received in proper form at our processing Facility by 5PM local time on any day will be credited to your Account as of that day Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, 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 30228758 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC•VER Yov can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance; over the telephone or you can setup 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 se'ected by you, from your bank account You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment You 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 pament If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U S law You can set automatic payments for (i) statement New Balance, (u) statement Minimum Payment Due, (in) statement Minimum Payment Due plus a 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 El Full Pay Li 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 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 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 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 R[N:LOO 30228758 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800.347-2683). DISCOVER DISC VER New Balance $736.00 TODD HOSTETTER 2101 PRINCETON AVE CAMP HILL PA 1 701 1-5445 Minimum Payment Due. $55.00 Payment Due Date July 22, 2011 Address, e-mail or telephone change Go to www.Discover.com or print change in space above Account Number ending in 1799 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 000001986458480716022007360000075000005500 Opening Date: May 28, 2011 - Closing Date: June 27, 2011 Discover More Card Account Summary Account number ending in 1799 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $811 00 75 00 • 0 00 + 0 00 + 0 00 + 0 00 + 0 00 $736 00 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line $8,000 00 $7,264 00 $2,000 00 Cash Advance Credit Line Available $2,000 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 learn nine I:rs :n u; www.Discover.com Anniversary Month July $ + 0 00 $ 0 00 0.00 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Coll 1 -800 -DISCOVER (1.800-347-2683) Please have your Discover card 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 $736 00 Minimum Payment Due $55 00 Payment Due Date July 22, 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 transfei 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 17 months $758 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 NEW' Access your account securely through your mobile phone Transactions Trans. Post Date Date Payments and Credits Jun 19 Jun 19 PAYMENT - THANK YOU $ -75 00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 In`6Ihrlt8 TOTAL INTEREST FOR THIS PERIOD $ 0.00 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadable, password protected statements • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone • Print paper copy of your statement anytime • Sign up today at Discover.com/paperless 1 Llisr.roe3 ,lis-.roehunk rrs:mber Fi)' ?APLR U71O 2011 Totals Year -to -Date 30228758 TOTAL FEES CHARGED IN 2011 $ 50 00 TOTAL INTEREST CHARGED IN 2011 000 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER DISC VER P It VER TODD HOSTETTER Account number ending in 1799 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 Promotional Purchases Promotional Purchases Cash Advances Balance Transfers V = Variable Rate ANNUAL PERCENTAGE RATE (APR) 12 99% V BALANCE SUBJECT TO INTEREST CHARGE INTEREST RATE $0 $0 0 00% $0 20 99% $0 0 00% $789 22 $0 $0 $0 Information For You Identity Theft Protection provides daily 3 -bureau credit report monitoring and alerts you of key changes that may help you identify potential fraud Visit Discover com/itp or call 1.866.515.5302 to learn more or to enroll For only $3 99 a month Discover(R) Wallet Protection helps notify card issuers & monitors your credit activity for 90 days if your wallet is lost or stolen Visit Discover com/Wallet or call 1 866.240.7937 to learn more or to enroll This month, the featured Cashback Bonus(R) Redemption Partner is Bed Bath & Beyond(R) Redeem $20 Cashbock 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 Descriptroir of Prob•'em If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake You must contact us within 60 days after the error appeared on your statement You must notify us of any potential errors in writing You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount In question While we investigate whether or not there has been an error, the following 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 stote 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 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 rend 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, II60197.6103 Please allow 7.10 days for delivery If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit 30228758 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 dale le 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 number as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment You con cancel a scheduled payment by phone at 1-800.347.2683 or by mad 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, pit) statement Minimum Payment Due plus a fixed dollar amount, or (iv) o fixed dollar amount If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing Statement, your scheduled payment for that month will tae increased to cover the Minimum Payment Due If the scheduled payment is greater than the Minimum Payment Due, any excel will be applied in accordance with your Cardmember Agreement If your sc.heduled payment is greater than the New Balance on your bilking 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 LI Min Pay ❑ Min Pay + $._, I_I Fixed Bank Routing # Bank Account # Frequency Credit Reporting, We may report information about your Account to credit bureaus late payments, missed payments, or other defaults on your Account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agencies each month 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 horn 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 PayingInterest 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 hest 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 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 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 Transection 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 Discovertcard is issued by Discover Bank, Member FDIC reel uo i 30228758 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER DISC VER New Balance $661.00 TODD HOSTETTER 2101 PRINCETON AVE CAMP HILL PA 1 701 1-5445 Minimum Payment Due 354.00 Payment Due Date August 22, 2011 Address, e-mail or telephone change2 Go to www.Discover.com or pant change in space above Account Number ending in 1799 Enter Amount Enclosed Below Pay online of www Decover 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 000001986458480716022006610000075000005400 Opening Date: June 28, 2011 - Closing Date: July 27, 2011 Discover More Card Account Summary Account number ending in 1799 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $736 00 75 00 + 0 00 + 0 00 + 0 00 + 0 00 + 0 00 $661 00 See Interest Charge Calculation section following transactions for detailed APR Information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $8,000 00 $7,339 00 $2,000 00 $2,000 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 leorr+ mu re log :n m www.Discover.com Anniversary Month July $ 0 00 + 0 00 $ 0.00 3 Easy Ways to Contact Us 1 Access your account securely of www.Discover.com 2 Call 1 -800 -DISCOVER (1.800.347.2683) Please have your Drscoverry 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 $661 00 Minimum Payment Due $54 00 Payment Due Date August 22, 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 trawler 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 thisstatement in about And you will end 'up paying on estimated total of Only the minrmum payment 16 months $6B1 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"f•.--Mind easy ways to earn and redeem cash rewords NEWT Access your account securely through your mobile phone Transactions Trans. Post Date Date Payments and Credits Jul 20 Jul 20 PAYMENT - THANK YOU $ -75 00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 ":311 rre8 TOTAL INTEREST FOR THIS PERIOD $ 0.00 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean Tess clutter, more convenience Eastly access up to 24 months of downloadable, password protected statements • See your statement as soon as d's available rather than wail for It to crave in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone • Pant a paper copy of your stctement anytime • Ssgn up today at Discover.com/paperless 3;20 vmu..- Brink Mm, Fil'f. ALR 0:110 2011 Totals Year -to -Date 30228758 TOTAL FEES CHARGED IN 2011 $ 50 00 TOTAL INTEREST CHARGED IN 2011 0 00 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER DISC VER It pays to DISC VER. TODD HOSTETTER Account number ending in 1799 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 ANNUATE AL PERCENTAGE BALANCE TO INTEREST CHARGE ET R Purchases 12 99% V $0 $0 Promotional Purchases Promotional Purchases 0 00% $0 $0 Promotional Purchases 0 00% $0 $0 Cash Advances 20 99% $0 $0 Balance Transfers 0 00% $716 00 $0 V = Variable Rate Information For You Save 5% instantly at your local Six Flags or online at SixFlags com when you use Discover! You'll save 5% instantly on Season Passes, admission tickets, The Flash Pass, VIP Tours, parking- food. merchandise and more Go big at Six Flags this summer and save big with Discover! Identity Theft Protection provides daily 3 -bureau credit report monitoring and alerts you of key changes that may help you identify potential fraud Visit Discover com/rtp or call 1-866-515-5302 to learn more or to enroll For only $3 99 a month Discover(R) Wallet Protection helps notify card issuers & monitors your credit activity for 90 days if your wallet is lost or stolen Visit Discover corn/Wallet or call 1-866-240-7937 to learn more or to enroll Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report immediately! Call 1-800-347-2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at Discover, PO Box 30421, Salt lake City, UT 84130.0421 In your letter, give us the following information Account information Your name and account number Dopar amount The dollar amount of the suspected error Description of Problem if you think there can 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 an your statement You must notify us of any potential errors in writing You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question While we investigate whether or not there has been an error, the following are true We cannot try to collect the amount in question, or report you as delinquent on that amount The charge in question may remain on your statement, and we may continue to charge you interest on that amount But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount While you do not have to pay the amount in question, you are responsible for the remainder of your balance We can apply any unpaid amount against your credit limit Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant. you may have the right not to pay the remaining amount due on the purchase To use this right, all of the following must be true 1 The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50 (Note Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or 4 we own the company that sold you the goods or services ) 2 You must have used your credit card for the purchase Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify 3 You must not yet have fully paid For the purchase If all of the criteria above ore met and you are still dissatisfied with the purchase, contact us in writing of Discover, PO Box 30945, Salt Lake City, UT 84130-0945 While we investigate, the same 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 tap portion of this statement in the envelope provided Do not send cash By sending your check. as described above, you authorize un lo use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction If payment is processed as an electronic Fund transfer, the transfer will be for the amount of the check When we use information From your check to make an electronic fund transfer, Funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check bock From your financial institution The processing of your payment may be delayed 4 you send cosh, 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 dov will be credited to your Account as of that day Poyments received at our processing facility after 5PM local time will 6e 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 30228758 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATIONI DISCOVER You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1.800-347.2683 Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment dote )e g , the 15th da of the month) that occurs before your Payment Due Date If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked lo provide the last four (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account You also authorize us to initiate debit or credit entries to your bank account, as applicable, 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 low You can set automatic payments for (i) statement New Balance, (ii) statement Minimum Payment Due, (Hi) stotement Minimum Payment Due plus a fixed dollar amount, or (Iv) a fixed dollar amount If your scheduled fixed payment is not enough to cover the Minimum Payment Due OS luted 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 acc.ordance with your Cardmember Agreement 1( 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 Ei Full Pay ,_ Min Pay Min Pay + $, {__I Fixed Pay$_,____.__.____, 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 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 odd any new transactions or fees as of the later of the Transaction Daie 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 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 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 Discoverc'card is issued by Discover Bank, Member FDIC ttLN EUUI 30228758 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER DISC VER New Balance 5586.00 TODD HOSTETTER 2101 PRINCETON AVE CAMP HILL PA 17011-5445 Minimum Payment Due $52.00 Payment Due Date September 22, 2011 Address, e-mail or telephone change? Go to www.Discover.com or print change in space above Account Number ending in 1799 Enter Amount Enclosed Below $1 Pay online at www Discover com or make check payable to Discover Phone and Internet payments must be made by 5 OOpm ET for same day posting PO BOX 71084 CHARLOTTE NC 28272-1084 000001986458480716022005860000075000005200 Opening Date: July 28, 2011 - Closing Date: August 27, 2011 Discover More Card Account Summary Account number ending In 1799 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $661 00 75 00 + 0 00 + 0 00 + 0 00 + 0 00 + 0 00 $586 00 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $8,000 00 $7,414 00 $2,000 00 $2,000 00 You may be able to avoid Interest Charges, see Additional Important Information for details Cashback Banus'' Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance To .,or mwe long ola7 www.Discover.com Anniversary Month July $ 0 00 + 0 00 $ 0.00 3 Easy Ways to Contact Us I Access your account securely at www.Discover.com 2 Coll 1 -800 -DISCOVER (1.800.347.2683) Please have your Discovery, card available 3 Write to us 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 $586 00 Minimum Payment Due $52 00 Payment Due Date September 22, 201 1 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: I1 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 11 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 on estimated total of Only the minimum payment 14 months $604 f you would like Information about credit counseling services. call 1-800-347-1121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth more` ---.find easy ways to earn and redeem cash rewards NEW! Access your account securely through your mobile phone Transactions Payments and Credits Trans. Post Date Date Aug 20 Aug 20 PAYMENT - THANK YOU $ -75 00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 InOtr61La' 1.78 TOTAL INTEREST FOR THIS PERIOD $ 0.00 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean Tess clutter, more convenience Easily access up to 24 months of downloadable, password protected statements • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through c -moil or text messages on your mobile phone • Print a paper copy of your statement anytime • Sign up toddy at Discover.com/paperless 1,rovet i'tvit: M o he, rYr_ PAPER (1:) i4) 2011 Totals Year -to -Date TOTAL FEES CHARGED IN 2011 TOTAL INTEREST CHARGED IN 2011 30228758 $ 50 00 0 00 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER DISC VER It pays to DISC VER TODD HOSTETTER Account number ending in 1799 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account Current Billing Period: 31 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE (APR) INTEREST RATE Purchases 12 99% V $0 $0 Promotional Purchases Promotional Purchases 0 00% $0 $0 Promotional Purchases 0 00% $0 $0 Cash Advances 20 99% $0 $0 Balance Transfers 0 00% $641 64 $0 V = Variable Rate Information For You LIFE HAPPENS Be prepared for the unexpected Payment Protection lets you put your Discover payments on hold rf you experience a qualifying life event such as Involuntary Unemployment, Disability, Hospitalization. Birth of a Child, Moving & More Enrollment is easy -- Discover com/paymentprotechon or call 1-888-421-2766 For only $3 99 a month Discover(R) Wallet Protection helps notify card issuers & monitors your credit activity for 90 days 4 your wallet is lost or stolen Visit Discover com/Wallet or call 1-866-240-7937 to learn more or to enroll This month, the featured Cashback Bonus(R) Redemption Partner is Bed Bath & Beyond(R) Redeem $20 Cashback Bonus for a $25 Bed Bath & Beyond gift card Additional lrnportant 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 hos been an error, the following ore true We cannot try to collect the amount in question, or report you as delinquent on that amount The charge in question may remain on your statement, and we may continue to charge you interest on that amount But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount While you do not have to pay the amount in question, you are responsible for the remainder of your balance We can apply any unpaid amount against your credit limit Your Rights if You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, all of the following must be true 1 The purchase must have been made In your home state or within 100 miles of your current marling address, and the purchase price must have been more than $50 (Note Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services ) 2 You must have used your credit card for the purchase Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify 3 You must not yet have fully paid For the purchase If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at Discover, PO Box 30945, 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 Dote Send only your payment and the top portion of this statement in the envelope provided Do not send cash By sending your check. as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction If payment is processed os on electronic Fund transfer, the tronsfer will be far 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 lo any other address or if you use an envelope other than the one provided Payments received in proper form at our processing Facility by 5PM local time on any day will be credited to your Account as of that day Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day If you have misplaced your envelope, send your payment to Discover, PO Box 6103, 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 30228758 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling I-800-347-2683 Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment dote (e 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 rnFormanon You will be asked to provide the last four (4) digit of the social security number of the primary borrower By providing those numbers as your electronic signature, you will be agreeing to this auihonzotion to allow us and your bank to deduct each payment you authorize, in the amount seeded by you, from your bank account You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment You con cancel a scheduled payment by phone at 1-800-347.2683 or by mail at Discover, PO Box 30421 Salt lak.e 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, (it) 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 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 + $ 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 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 u 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 feat 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 ori 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 dayThe beginning balance for the first day of the billing period is your balance on the lost day of your previous billng period We add any interest charges accrued on the previous day's daily balance and any new transactions and fees We add any new transactions or fees as of the later of the Transaction Date or the first day of the billing period on 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 o daily periodic rate, we divide the APR that applies to the Transaction Category by 365 We add up all the daily interest charges The sum is the total interest charge For the billing period How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category We add Cash Advance Fees to the applicable Cash Advance Transaction Category We add all other fees to the standard Purchase Transaction Category Balance Subject to Interest Rate. Your statement shows a Balance Subject 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 its owed to you You may make charges against this amount 4 your Account is open We will send you a refund of any remaining balance of $1 00 or more after o 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 Discoverwcard is issued by Discover Bank, Member FDIC itzNreuui 30228758 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER DISC VER New Balance $511.00 TODD HOSTETTER 2101 PRINCETON AVE CAMP HILL PA 1701 1-5445 Minimum Payment Due. 351.00 Payment Due Date October 22, 2011 Address, e-mail or telephone change Go to www.Discover.com or print change in space above Account Number ending in 1799 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 000001986458480716022005110000075000005100 Opening Date: August 28, 2011 - Closing Date: September 27, 2011 Discover More Card Account Summary Account number ending in 1799 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Chorged New Balance $586 00 75 00 + 0 00 + 0 00 + 0 00 + 0 00 + 0 00 $511 00 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $8,000 00 $7,489 00 $2,000 00 $2,000 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,Iemnmune k, i, www.Oisrover.com Anniversary Month July $ 0 00 + 0 00 $ 0.00 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call I.800 -DISCOVER (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 11111111 page 1 of 2 Payment Information New Balance $511 00 Minimum Payment Due $51 00 Payment Due Date October 22, 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 transfei 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 w Il end up paying on estimated tatol of Only the minimum payment 13 months $527 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 moreuv. --fund 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 19 Sep 19 PAYMENT - THANK YOU $ -75 00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 '3012018 TOTAL INTEREST FOR THIS PERIOD $ 0.00 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean Tess clutter, more convenience Easily access up to 24 months of downloadable, password protected statements • See your statement as soon as it's available rather than 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 q;20 bank Membri FJ'C.: rea U.110 2011 Totals Year -to -Date 30228758 TOTAL FEES CHARGED IN 2011 $ 50 00 TOTAL INTEREST CHARGED IN 201 1 0 00 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683. D1SC•VER DISC VER It pays ro DISC VER TODD HOSTETTER Account number ending in 1799 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 ANNUALTPERCENTAGE } BALANCE ERECT SUBJECT TO INTEREST CHARGE Purchases 12 99% V $0 $0 Promotional Purchases Promotional Purchases 0 00% $0 $0 Promotional Purchases 0 00% $0 $0 Cash Advances 20 99% $0 $0 Balance Transfers 0 00% $564 22 $0 V = Variable Rate Information For You Build extra Cashback Bonus by using your Discover(R) Card to pay your monthly household bills tike cable, cell phone, and insurance It's easy to set up, lust contact your provider You'll earn rewards with every bill' Need Cash? Whether d'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 coca/cash to find out more Identity Theft Protection provides daily 3 -bureau credit report monitoring and alerts you of key changes that may help you identify potential fraud Visit Discover com/itp or call 1.866-515-5302 to learn more or to enroll Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report immediately! Call 1-800-347-2683. 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 Prob:'em, If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake You must contact us within 60 days after the error appeared on your statement You must notify us of any potential errors in writing You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question While we investigate whether or not there has been an error, the following are true We connot try to collect the amount in question, or report you as delinquent on that amount The charge in question may remain on your statement, and we may continue to charge you interest on that amount But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount While you do not have to pay the amount in question, you ore responsible for the remainder of your balance We can apply any unpaid amount against your credit limit Your Rights if You Are Dissatisfied With Your Credit Card Purchases If you 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 he 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 port of your Account balance al any time However, you must pay at least the Minimum Payment Due by the Payment Due Date Send only your payment and the fop portion of this statement in the envelope provided Da 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 1 as an electronic debit 30228758 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance: over the telephone or you can setup automatic payments through a customer service representative by calling 1-800.347-2683 Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment dole (e g , the 15th day of the month) that occurs before your Payment Due Dote If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those number as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount seeded by you, from your bank account You also authorize us to Initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment You can cancel a scheduled payment by phone at 1.800.347.2683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 84130.0421, however we must receive notice at least three business days in advance of the scheduled pament 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, (ii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due If rhe scheduled payment r 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 fdim the following blanks below and retain the authorization for your records ^ Amount 0 Full Pay ,_ Nun Pay t__J Min Pay + $_..,.______._, El Fixed Pay$ Bonk Routing # Bank Account # Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payments., missed payments, or other defaults on your Account may be reflected in your credit report We narmolly report the status and payment history of your Account to credit reporting agencies each month If you believe that our report is inaccurate or incomplete, please write us at the following address Discover, PO Box 15316, Wilmington, DE 19850-5316 Please indicate your name, address, home telephone number and Account number Paying Interest: We begin to impose interest charges on a transaction, Fee or interest charge From the day we add it to the doily balance We continue to impose interest charges until you pay 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 bilking 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 fust 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 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 Transection Category by its daily periodic rate We do this for each day in the bulling 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 Rote. Your statement shows a Balance Subject to Interest Rare 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 RGNr WO 30228758 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347.2683). DISCOVER DISC VER New Balance $451.00 TODD HOSTETTER 2101 PRINCETON AVE CAMP HILL PA 1 701 1-5 445 Minimum Payment Due $50.00 Payment Due Date November 22, 2011 Address, e-mail or telephone change Go to www.Discover.com or print change in space above Account Number ending in 1799 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 000001986458480716022004510000060000005000 Opening Date: September 28, 2011 - Closing Date: October 27, 2011 Discover More Card Account Summary Account number ending in 1799 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $511 00 60 00 + 0 00 + 0 00 + 0 00 + 0 00 + 0 00 $451 00 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $8,000 00 $7,549 00 $2,000 00 $2,000 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 Te Imvn rupe Iny :nut www.Dis(over.com Anniversary Month July $ 0 00 + 0 00 $ 0.00 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Coll 1.800 -DISCOVER (1.800.347.2683) Please have your Dmscoveri %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 $451 00 Minimum Payment Due $50 00 Payment Due Date November 22, 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 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 12 months $466 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 mareu'r..---find easy ways to earn and redeem cash rewards NIEWI Access your account securely through your mobile phone Transactions Payments and Credits Trans. Post Date Date Oct 20 Oct 20 PAYMENT - THANK YOU -60 00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 In6ggq Urar eel8 TOTAL INTEREST FOR THIS PERIOD $ 0.00 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean Tess clutter, more convenience Easily access up to 24 months of downloadable, password protected statements • See your statement as soon as it's available rather than 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 e;:U I (i J erna r bunk rdnmbe, laf ii)PAPL R U} 10 2011 Totals Year -to -Date TOTAL FEES CHARGED IN 2011 TOTAL INTEREST CHARGED IN 2011 30228758 $ 5000 0 00 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER DISC VER It pays 10 DISC VER TODD HOSTETTER Account number ending in 1799 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 AANNUAAL PERCENTAGE PR) BALANCE ERECT BABE ECT TO INTEREST CHARGE RATE Purchases 12 99% V $0 $0 Promotional Purchases Promotional Purchases 0 00% $0 $0 Cash Advances 20 99% $0 $0 Balance Transfers 0 00% $495 00 $0 V = Variable Rate Information For You We are pleased to inform you that, effective 11/06/11 we will no longer charge a Foreign Currency Fee on any international purchases made with your Discover(R) Cord Additionally, we will no longer charge a Research Fee for any copies of billing statements or receipts that you request 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! LIFE HAPPENS Be prepared For the unexpected Payment Protection lets you put your Discover payments on hold if you experience a qualifying life event such as Involuntary Unemployment, Disability, Hospitalization, Birth of a Child, Moving 8, More Enrollment is easy -- Discover com/paymentprotection or call 1.888-421-2766 Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report immediately! Calf I-800.347.2683. What To Do If You Think You Find A Mistake On Your Statement If you think therei5 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 rnformorron Your name and account number Dollar amount The dollar amount of the suspected error Description of Prob'em If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake You must contact us within 60 days after the error appeared on your statement You must notify us of any potential errors in writing You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question While we investigate whether or not there has been an error, the Following 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 reloted to that amount While you do not have to pay the amount in question, you are responsible for the remainder of your balance We 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 pi ice must have been more than $50 (Note Neither of these are necessary if your purchase was based on an advertisement we mailed to you . or if we own the company that sold you the goods or services) 2 You must have used your credit card for the purchase Purchases made with cash advances from an ATM or with a check That accesses your credit card account do not qualify 3 You must not yet have fully paid for the purchase If all of the criteria above are met and you ore still dissatisfied with the purchase, contact us in 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 ai least the Minimum Payment Due by the Payment Due Date Send only your payment and the top portion of this statement in the envelope provided Do not send cash By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction If payment is processed as an electronic fund transfer, the transfer will be for the amount of the check When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check bock from your Financial institution The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or 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 30228758 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER' You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1-800-347.2683 Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment date (e the 15th day of the month) that occurs before your Payment Due Date If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount seected by you, from your bank account You also authorize us to initiate debit or credit entries to your bank account, as applicable, so correct an error in the processing of such payment You con cancel a scheduled payment by phone at 1.800-347.2683 or by mad 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, lin) 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 Cardmernber 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 she 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 + $ l..__ 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 its inaccurate or incomplete, please write us at the Following address Discover, PO Box 15316, Wilmington, DE 19850.5316 Please indicate your name, address, home telephone number and Account number Paying Interest We begin to impose interest charges on transaction, fee or interest charge from the day we add r to the 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 :hot first appear on the current billing statement How We Apply Payments May Impact Your Grace Penod 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 she 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 applicoble 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 o credit balance, the amount is shown on the front of your billing statement A credit balance is money that is owed to you You may make charges 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 DiscoverQ'card its issued by Discover Bank, Member FDIC r ztvteiU 30228758 Questions? visit www.Discover.com or call 1.800 -DISCOVER (1-800-347-2683). DISCOVER DISC VER New Balance $401.00 TODD HOSTETTER 2101 PRINCETON AVE CAMP HILL PA 1 701 1-5445 Minimum Payment Due $49.00 Payment Due Bate December 22, 2011 Address, e-mail or telephone change? Go to www.Discover.com or print change in space above Account Number ending in 1799 Enter Amount Enclosed Below 1 Pay online at www Discover com or make check payable to Discover Phone and Internet payments must be made by 5 OOpm ET For same day posting PO BOX 71084 CHARLOTTE NC 28272-1084 000001986458480716022004010000050000004900 Opening Date: October 28, 2011 - Closing Date: November 27, 2011 Discover More Card Account Summary Account number ending in 1799 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $451 00 50 00 + 0 00 + 0 00 + 0 00 + 0 00 + 0 00 $401 00 See Interest Charge Calculation section following transactions for detailed APR information Credit Line $8,000 00 Credit Line Available $7,599 00 Cash Advance Credit Line $2,000 00 Cash Advance Credit Line Available $2,000 00 You may be able to avoid Interest Charges, see Additional Important Information For details Cashback Bonus. Anniversary Month July Opening Cashback Bonus Balance $ 0 00 New Cashback Bonus This Period + 0 00 Cashback Bonus Balance $ 0.00 Tcikn,i mme Lr.3:nutwww.Discover.com 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Coll 1.800 -DISCOVER (1-800-347-2683) Please have your 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 $401 00 Minimum Payment Due $49 00 Payment Due Date December 22, 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 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 11 months $416 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 morev..---find easy ways to earn and redeem cash rewards NE WI Access your account securely through your mobile phone Transactions Trans. Post Date Date Payments and Credits Nov 19 Nov 19 PAYMENT - THANK YOU -50 00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 TOTAL INTEREST FOR THIS PERIOD $ 0.00 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean Tess clutter, more convenience Easily access up to 24 months of downloadable, password protected statements • See your statement as soon as it's available rather 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 20I ti 1.1.,ervfn book Member r 7<.: °APLR (1'11 2011 Totals Year -to -Date TOTAL FEES CHARGED IN 201 1 TOTAL INTEREST CHARGED IN 2011 30228758 $ 5000 000 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISC•VER DISC VER It pays ro DISC VER TODD HOSTETTER Account number ending in 1799 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rale (APR) is the annual interest rale on your account Current Billing Period: 31 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE (APRI INTEREST RATE Purchases 12 99% V $0 $0 Promotional Purchases Promotional Purchases 0 00% $0 $0 Cash Advances 20 99% $0 $0 Balance Transfers 0 00% $436 48 $0 V = Variable Rote Information For You Support your favorite charities with Discover(R) Giving Easily find and donate to over 1 5 million charities by visiting Discover com/giving Checking your credit DOES NOT affect your score Sign up for Credit ScoreTracker and you'll receive access to your Experian credit score and report Get started today at Discover com/CreditScoreTracker or call 1-866.708.0672 Additional Important 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 dollor amount of the suspected error De crtplron_of Pro.q'err,_ If you think there a an error on your bill, describe what you believe is wrong and why you believe it is a mistake You must contact us within 60 days after the error appeared on your statement You must notify us of any potential errors in writing You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question While we investigate whether or not there has been on error, the following are true We cannot try to collect the amount in question, or report you as delinquent on that amount The charge in question may remain on your statement, and we may continue to charge you interest on that amount But, if we determine that we made a mistake, you 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 poy the amount in question, you are responsible for the remainder of your bolonce We can apply any unpaid amount against your credit limit Your Rights 0 You Are Dissatisfied With Your Credit Card Purchases If you ore dissatisfied with the goods or services that you have purchased with your credit cord, and you have tried in good faith to correct the problem with the merchant, you may hove the right not to pay the remaining amount due on the purchase To use this right, all of the following must be true 1 The purchase must have been made in your home state or within 100 mile: of your current mailing address, and the purchase price must hove been more than $50 (Note Neither of these are necessary 4 your purchase was based on an advertisement we moiled to you , or if we own the company that sold you the goods or services I 2 You must have used your credit cord for the purchase Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not quolify 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 vs in writing at Discover, PO Box 30945, Salt Lake Cify, 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 bolonce al any time However, you must pay at least the Minimum Payment Due by the Payment Due Date Send only your payment and the top portion of this statement in the envelope provided Do not send cash By sending your check as described above, you authorize us to use information on your check to make an electronic Fund transfer from your account at the 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 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 Nom your financial institution The processing of your payment may be deloyed if 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, Card Stream, IL 60197-6103 Please allow 7.10 days For delivery If your payment is returned unpaid, we reserve the right to resubmit it os on electronic debit 30228758 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1-800.347.2683 Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment dote (e g , the 15th day of the month) that occurs before Your Payment Due Date 1f 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 payment you authorize, in the amount se'ected by you, from your bank account You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment You can cancel a scheduled payment by phone at 1.800.347.2683 or by mail at Discover, PO Box 30421 Salt Lake City, UT 84130.0421, however we must receive notice at least three business days in advance of the scheduled payment If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be 'You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U S law You can set automatic payments for (r) statement New Balance, (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 its not enough to cover she Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due If the scheduled payment 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 she 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 # Sank 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 a 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 transection, fee or interest charge from the day we add It to the daily balance We continue to impose interest charges until you pay the total amount you owe us You can 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 ger 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 to the applicable Cash Advance Transaction Category We add all other fees to the standard Purchase Transaction Category Balance Subject to Interest Rote. Your statement shows a Balance Subject to Interest Rate It shows this for each transaction category The Balance Subject to Interest Rate is the average of the daily balances during the billing period Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement A credit balance is money that its 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 Discovers)card us issued by Discover Bank, Member FDIC UN, LOU I 30228758 Questions? Visit www.Dlscover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER DISC VERs New Balance 5351.00 TODD HOSTETTER 2101 PRINCETON AVE CAMP HILL PA 1701 1-5445 Minimum Payment Due 548.00 Payment Due Trate January 22, 2012 Address, e-mail or telephone change Go to www.Discover.com or print change in space above Account Number ending in 1799 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 000001986458480716022003510000050000004800 Opening Date: November 28, 2011 - Closing Date: December 27, 2011 Discover More Card Account Summary Account number ending in 1799 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $401 00 50 00 + 0 00 + 0 00 + 0 00 + 0 00 + 0 00 $:351 00 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $8,000 00 $7,649 00 $2,000 00 $2,000 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 mom loo :n ii www.Discover.com Anniversary Month July $ 0 00 + 0 00 $ 0.00 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call 1 -800 -DISCOVER (1-800.347-2683) Please have your Discoverit 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, 11 60197-6103 For TDD (Telecommunications Device for the Deaf( assistance, please call 1-800-347-7449 page 1 of 2 Payment Information New Balance $351 00 Minimum Payment Due $48 00 Payment Due Date January 22, 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 an thisstatement in about And you will end up paying an estimated total of Only the minimum payment 9 months $365 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 bilb online and easily track all transactions Make your money worth moret'-----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 Dec 21 Dec 21 PAYMENT - THANK YOU $ -50 00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 1°11grg8 TOTAL INTEREST FOR THIS PERIOD $ 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 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 S?J1ii hs::rr+a� &ok rrc;mhe. hD:f_ PA'L8O IV 2011 Totals Year -to -Date TOTAL FEES CHARGED IN 2011 TOTAL INTEREST CHARGED IN 2011 30228758 $ 50 00 0 00 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER DISC VER It pays to DISC VER TODD HOSTETTER Account number ending in 1799 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 Purchases Promotional Purchases Promotional Purchases Cash Advances Balance Transfers V = Variable Rate RATE{ALPERCENTAGE PRI 1299% V 0 00% 20 99% 0 00% BALANCE SUBJECT TO INTEREST CHARGE INTEREST RATE $0 $0 $0 $0 $0 $0 $389 33 $0 Information For You LIFE HAPPENS Be prepared for the unexpected Payment Protection lets you put your Discover payments on hold if you experience a qualifying life event such as Involuntary Unemployment, Disability, Hospitalization. Birth of a Child, Moving & More Enrollment is easy -- Discover corn/paymentprotection or call 1.888-421.2766 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 corn/CreditScoreTracker or call 1-866.708.0672 It's easy to find and donate to the charity of your choice with Discover (R) Giving Choose from over 1 5 million charities and donate using your Discover card Visit Discover com/giving nowi Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the ter -ns of your Account Lost or stolen cards. Report imrnediatelyl 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 841 30.0421 In your letter, give us the Following information Account !rformaiion Your name and account number Dollar amount The dollar amount of the suspected error Descnphan of Problem If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake You must contact us within 60 days after the error appeared on your statement You must notify us of any potential errors in writing You may call us. but if you do we are not required to investigate any potential errors and you may have to pay the amount in question While we investigate whether or not there has been an error, the following are true We cannot try, to collect the amount in question, or report you as delinquent on that amount The charge in question may remain on your statement, and we may continue to charge you interest on that amount But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount While you do not have to pay the amount in question, you are responsible for the remainder of your balance We can apply any unpaid amount against your credit limit Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, all of the following must be true 1 The purchase must have been made in your home state or within 100 miles of your current marling address, and the purchase price must have been more than $50 (Note Neither of these are necessary if your purchase was based on an advertisement we mauled 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 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 trine on any day will be credited to your Account as of that day Payments received at our processing Facility after 5PM local trine 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 30228758 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC•VER You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance: over the telephone or you can setup automatic payments through a customer service representative by calling 1-800-347-2683 Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment date (e g , the 15th day of the month) that occurs before your Payment Due Date If your scheduled payment date falls on a 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 (r) statement New Balance, (u) statement Minimum Payment Due, (m) stotement Minimum Payment Due plus o fixed dollar amount, or (iv) a fixed dollar amount If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmernber 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 rhe amount indicated on the periodic statement based on credits or payments after the Closing Date If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records Amount ❑ Full Pay j_ Min Pay lJ Min Pay + $_ ❑ Fixed Poy$ Bonk Routing # Bank Account # Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payments,missed payments, or other defaults on your Account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agencies each month If you believe that our report is inaccurate or incomplete, please write us at he following address Discover, PO Box 15316, Wilmington, DE 19850.5316 Please indicate your name, address, home telephone number and Account number Paying Interest: We begin to impose interest charges on a transaction, fee or imerest charge from the day we add it lo 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 cunent 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 -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 '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 Transaction Category by its daily periodic rote We do this for each day in the billing period This gives us the interest charges for each Transaction Category To get a daily periodic rote, we divide the APR That applies to the Transaction Category by 365 We 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 Cosh Advance Fees to the applicable Cash Advance Transaction Category We add all other fees to the standai d Purchase Transaction Caregory Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate It shows this for each transection 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 its 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 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 Discoverl)card is issued by Discover Bank, Member FDIC RLN1•L00I 30228758 Questions? Visit www.Dlscover.com or call 1 -800 -DISCOVER (1-800-347-2683. DISCOVER DISC VER New Balance $301.00 TODD HOSTETTER 2101 PRINCETON AVE CAMP HILL PA 1701 1-5445 Minimum Payment Due. 547.00 Payment Due Date February 22, 2012 Address, e-mail or telephone change2 Go to www.Discover.com or print change in space above Account Number ending in 1799 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 000001986458480716022003010000050000004700 Opening Date: December 28, 2011 - Closing Date: January 27, 2012 Discover More Card Account Summary Account number ending in 1799 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Chorged New Balance $351 00 50 00 + 0 00 + 0 00 + 0 00 + 0 00 + 0 00 $301 00 See Interest Charge Calculation section following transactions for detailed APR Information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $8,000 00 $7,699 00 $2,000 00 $2,000 00 You may be able to avoid Interest Charges, see Adddronal Important Information for details Cashback Bonus'c Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance Ta !.x.rr, mwe Ina n, at www.Discover.com Anniversary Month July $ 0 00 + 0 00 $ 0.00 3 Easy Ways to Contact Us 1 Access your account securely of www.Discover.com 2 Coll 1 -800 -DISCOVER (1.800.347-2683) Please have your Discoverecard 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 $301 00 Minimum Payment Due $47 00 Payment Due Date February 22, 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 months $315 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 NE Wt Access your account securely through your mobile phone Transactions Payments and Credits Trans. Post Date Date Jan 19 Jan 19 PAYMENT - THANK YOU -50 00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 TOTAL INTEREST FOR THIS PERIOD $ 0.00 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean Tess clutter, more convenience Easily access up to 24 months of downloadable, password protected statements • See your statement as soon as it's available rather than wait for it to crrive 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 5414 Meorb i ri>K. PAPtR U7 10 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 $ 0 00 TOTAL INTEREST CHARGED IN 2012 0 00 30228758 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER DISC VER It pays to DISC VER TODD HOSTETTER Account number ending in 1799 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate IAPR) is the annual interest rate on your account Current Billing Period: 31 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE TO INTERESTINTERESRATE ET Purchases 12 99% V $0 $0 Promotional Purchases Promotional Purchases 0 00% $0 $0 Promotional Purchases 0 00% $0 $0 Cash Advances 20 99% 30 30 Balance Transfers 0 00% $336 48 $0 V = Variable Rate Information For You With Discover(R) Giving, it's easy to find and donate to the charities that matter most to you Visit Discover com/giving and choose from over 1 5 million charities Donate nowt 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! 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 on your statement, and we may continue to charge you interest on that amount But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount While you do not have to pay the amount in question, you ore responsible for the remainder of your balance We can apply any unpaid amount against your credit limit Your Rights if You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, all of the following must be true 1 The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must hove been more than $50 )Note Neither of these are necessary if your purcha:e 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 os soon as the same day we receive your payment, and you will not receive your check back from your financial institution The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment 10 any other address or if you use an envelope other than the one provided Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, 1L 60197-6103 Please allow 7-10 days for delivery If your payment is returned unpaid, we reserve the right to resubmit d as an electronic debit 30228758 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 bunk holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those number. as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount se ected by you, from your bank account You also authorize us to initiate debit or credit enfires 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, (in) statement Minimum Payment Due plus a fixed dollar amount, or (rv) a fixed dollar amount If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied In accordance with your Cardmember Agreement I1 your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance Your automatic payment amount maybe less than rhe amount indicated on the periodic statement based on credits or payments after 'he 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 h Min Pay EJ Min Pay + $ Fixed Poy$.__�_—_._. Bank Routing # Bank Account # , Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payment,missed payments, or other defaults on your Account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agencies each month If you believe that our report is inaccurate or incomplete, please write us at the following address Discover, PO Box 15316, Wilmington, DE 19850-5316 Please indicate your name, address, home telephone number and Account number Paying Interest: We begin to impose interest charges on o transaction, Fee or interest charge from the day we add 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 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 'he 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 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 bulling 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 o 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 Discovericard rs issued by Discover Bank, Member FDIC RLN 1 uu i 30228758 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347.2683). DISCOVER DISC VER New Balance $254.20 TODD HOSTETTER 2101 PRINCETON AVE CAMP HILL PA 1701 1-5445 Minimum Payment Due. $40.00 Payment Due Date March 22, 2012 Address, e-mail or telephone change2 Go to www.Discover.com or print change in space above Account Number ending in 1799 Enter Amount Enclosed Below $1 Pay online at www Discover com or make check payable to Discover Phone and Internet payments must be made by 5 OOpm ET for same day posting PO BOX 71084 CHARLOTTE NC 28272-1084 000001986458480716022002542000050000004000 Opening Date: January 28, 2012 - Closing Date: February 27, 2012 Discover More Card Account Summary Account number ending in 1799 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $301 00 50 00 0 00 + 0 00 + 0 00 + 0 00 + 3 20 $254 20 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line $8,000 00 $7,745 00 $2,000 00 Cash Advance Credit Line Available $2,000 00 You may be able io avoid Interest Charges, see Additional Important Information For details Cashback Bonus" Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance Tu lemr mune Io:::i ,r www.Discover.com Anniversary Month July $ 0 00 + 0 00 $ 0.00 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call 1 -800 -DISCOVER (1-800-347-2683) Please have your Discovery card available 3 Write to us at Discover, PO Box 30943. Solt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197-6103 For TDD (Telecommunications Device For the Deaf) assistance, please tall 1-800-347-7449 page 1 of 2 Payment Information New Balance $254 20 Minimum Payment Due $40 00 Payment Due Date March 22, 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 months $264 f you would like information about credit counseling services. call 1-800-347-1121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth more ^--- find easy ways to earn and redeem cash rewards NE WI Access your account securely through your mobile phone Transactions Payments and Credits Trans. Post Date Date Feb 20 Feb 20 PAYMENT - THANK YOU $ -50 00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS $ 3 20 0 00 0 00 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean Tess clutter, more convenience Easily cccess up to 24 months of downloadable, password protected statements • See your statement as soon os it's available rather than wait for it to crrive 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 bt irsmiYo Fii'C ~APER Transactions (cont.) Trans. Post Dote Date Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 3.20 2012 Totals Year -to -Date 30228758 TOTAL FEES CHARGED IN 2012 $ 0 00 TOTAL INTEREST CHARGED IN 2012 3 20 Questions? Visit www.Discovor.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER DISC VER it pays to DISC VER TODD HOSTETTER Account number ending in 1799 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 Promotional Purchases Promotional Purchases Cash Advances V = Variable Rate ANNUAL PERCENTAGE RATE (APR) 12 99% V BALANCE SUBJECT TO INTEREST CHARGE INTEREST RATE $289 69 $3 20 0 00% $0 $0 20 99% $0 $0 Information For You Discover Student Loans(R) can help loyal cardmembers, like you, take control of college and graduate school costs Visit DiscoverSfudentLoans com or call us at 1.877.728-3030 to learn more about our private student loans with a 2% Graduation Reward When applying for your private student loan, please use invitation code CO21 1 XT 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! No Payments - No Late Fees - No Interest Charges 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! 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 Ta Da if Yau Think Yau Find A Mistake On Your Statement If you think there is an error on your statement, write to us at Discover, PO Box 30421, Salt Lake City, UT 84130-0421 In your letter, give us the following information Account information Your name and account number Dollar amount The dollar amount of the suspected error Descrrphon of Problem 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 o mistake, you will not have to pay the amount in question or any interest or other fees related to that amount While you do not have to pay the amount in question. you are responsible for the remainder of your balance We 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 trued in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, all of the following must be true 1 The purchase must have been made in your home state or within 100 mules of your current mailing address, and the purchase price must have been more than $50 (Note Neither of these are necessary if your purchase was based on an advertisement we mauled 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 thus statement in the envelope provided Do not send cash By sending your check as described aboveyou 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 lime 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 us returned unpaid, we reserve the right to resubmit It as an electronic debit 30228758 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1.800.347.2683 Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment dote (e gthe 15th day of the month) that occurs before your Payment Due Dote If yovr 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, au 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 mad at Discover, PO Box 30421, Salt lake City, UT 84130.0421, however we must receive notice at least three business days in advance aF the scheduled payment IF your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be You must ensure that sufficient funds are available m your bank account, and all transactions must comply with U S law You can set automatic payments for (i) statement New Balance, (n) 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 an your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due If rhe scheduled payment its 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 hll•m the Following blanks below and retain 'he authorization for your records Amount ❑ Full Pay Li Min Pay ❑ Min Pay + $ _._. 1.I Fixed Bank Routing 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 narmelly 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 Doily Balance for Each Transaction Category We start with the beginning balance for each day The beginning balance for the first day of the billing period is your balance on the last day of your previous billing period We 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 odd up all the daily interest charges The sum its the total interest charge for the billing paned 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 billing statement A credit balance its 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 Discover°card is issued by Discover Bank, Member FDIC RLNriiUI 30228758 Questions? visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER DISC VER New Balance 5231.76 TODD HOSTETTER 2101 PRINCETON AVE CAMP HILL PA 1701 1-5445 Minimum Payment Due $48.00 Payment Due' Date April 22, 2012 Address, e-mail or telephone change2 Go to www.Discover.com or print change in space above Account Number ending in 1799 Enter Amount Enclosed Below $f Pay online at www Discover com or make check payable to Discover Phone and internet payments must be made by 5 00pm ET for same day posting Please see "Notice of Changes to 1 your Interest Rates" section ll PO BOX 71084 CHARLOTTE NC 28272-1084 000001986458480716022002317600050000004800 Opening Date: February 28, 2012 - Closing Date: March 27, 2012 Discover More Card Account Summary Account number ending in 1799 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $254 20 50 00 + 0 00 + 0 00 + 0 00 + 25 00 + 2 56 $231 76 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 $8,000 00 $7,768 00 $2,000 00 $2,000 00 You may be able to ovoid Interest Charges, see Additional Important Information for details Cashback Bonus' Opening Cashback Bonus Balance New Coshback Bonus This Period Cashback Bonus Balance Tu !eum mule lou :n at www.Discover.com Anniversary Month July $ 0 00 + 0 00 $ 0.00 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Coll 1.800 -DISCOVER (1.800.347-2683) Please have your Discovery card available 3 Write to us 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, Caiol 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 $231 76 Minimum Payment Due $48 00 Payment Due Date April 22, 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 months $241 f you would like information about credit counseling services. call 1-800-347-1121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan toay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth more -- find easy ways to earn and redeem cash rewards NE WI Access your account securely through your mobile phone Transactions Payments and Credits Trans. Post Date Date Man 24 Mar 24 PAYMENT . THANK YOU $ -50 00 Fees Mar 22 Mar 22 LATE FEE TOTAL FEES FOR THIS PERIOD 30228758 Interest Charged INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES $ 25 00 25.00 $ 2 56 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 cis soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone • Print a paper copy of your statement anytime • Sign up today at Discover.com/paperless 2010 Dn:xrybark hw be. UDC: PAPER UJ I0 Transactions (cont.) InIerest Charged Trans. Post Date Dote INTEREST CHARGE ON BALANCE TRANSFERS $ 0 00 TOTAL INTEREST FOR THIS PERIOD 2.56 2012 Totals Year -to -Date 30228758 TOTAL FEES CHARGED IN 2012 $ 25 00 TOTAL INTEREST CHARGED IN 2012 5 76 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER DISC VERs It pays to DISC VER TODD HOSTETTER Account number ending in 1799 page 2 of 3 Notice of Changes to Your Interest Rates You have triggered the Penalty APR of 17.99% on new transactions due to a late payment(s) and its effect on your creditworthiness. This APR will vary with the market based on the Prime Rate.* This change will impact your account as follows: Purchases made on or after 4/16/12: As of 5/28/12, the Penalty APR will apply to these purchases (unless a promotional rate applies). We will keep the APR at this level indefinitely. Purchases made before 4/16/ 12 and other transactions: Current rates will continue to apply to these purchases and transactions. *This Annual Percentage Rate ("APR") equals the U.S. Prime Rate + 14.74% (corresponding daily periodic rate of 0.04929%). Interest Charge Calculation Your Annual Percentage Rate (APR( is the annual interest rate on your account Current Billing Period: 29 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO RATE (APR) INTEREST RATE Purchases 12 99% V $248 57 Promotional Purchases Promotional Purchases 0 00% $0 Cash Advances 20 99% $0 V = Variable Rate INTEREST CHARGE $2 56 so $o Information For You Need Cash2 Whether it's for an unexpected bill or an emergency car repair, Discover(R) card can always help Get cosh at ATMs nationwide or have money deposited directly into your bank account Visit Discover corn/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 corn/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. Youi Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report immediately! Call 1.800347.2683. What To Do 11 You Think You Find A Mistake On Your Statement If you thinkthere 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 Descriptror, of Probem 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, or report you as delinquent on that amount The charge in question may remain on your statement, and we may continue to charge you interest on that amount But, 4 we determine that 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 can 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 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 abased on an advertisement we mailed to you , or if we own the company that sold you the goods or services ) 302 t have used your credit card for the purchase Purchases made with cash advances from an ATM or with a at accesses your credit card account do not qualify 3 You must not yet have fully paid for the purchase NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER' 11 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, 4 we think you owe an amount and you do not pay we may report you as delinquent Payments. Ycu may pay all or pari 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 4 you send cash, correspondence or other Mems with your payment, if you send the payment to any other address of 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 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 payrnents 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 dale (e g , the 1 Sth dayof the month) that occurs before your Payment Due Date 11 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 payrnents 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 i; 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 U Full Pay I Min Pay U 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 Accaunt to credit reporting agencies each month If you believe that our report is inaccurate or incomplete, please write us at the following address Discover, PO Box 15316, Wilmington, DE 19850-5316 Please indicate your name. address, home telephone number and Account number Paying Interest: We begin to impose interest charges on a transaction fee or interest charge from the day we add it to the daily balance We continue to impose interest charges until you pay t)re total amount you owe us You can avoid paying interest on Purchases as described below However, you cannot avoid paying interest an Balance Transfers or 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 o 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 "doily balance' for each Transaction Category Transaction Categories include standard Purchases, standard Cash Advances and different promotional balances, such as Balance Transfers How We Figure the Daily Balance for Each Transaction Category We start with the beginning balance for each day The beginning balance for the first day of the billing pet lad is your balance on the last day of your previous billing period We odd any interest charges accrued on the previous day's daily balance and any new transactions and fees We add any new transactions or fees as of the later of the Transaction Dale 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 aplicahle Cash Advance Transaction Category We odd all other fees to the standard Purchase Trk n aj�typrg ajPgory Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER DISC VER It pays to DISC VER TODD HOSTETTER Account number ending in 1799 page 3 of 3 Balance Subject to Interest Rate. Your statement shows a Balance Subiect to Interest Rate It shows this for each transaction category The Balance Subiect 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 1s money that is owed to you You may make charges against this amount if your Account is open We will send you o refund of any remaining balance of $1 00 or more after 6 months, or as otherwise required by applicable law For 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 Discoverit'card is issued by Discover Bank, Member FDIC 30228758 pz f..001 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC•VER 30228758 Questions? visit www.Discover.com or call 1 -800-DISCOVER (1-800-347-2683). DISCOVER DISC VER New Balance $184.17 TODD HOSTETTER 2101 PRINCETON AVE CAMP HILL PA 17011-5445 Minimum Payment Due. $40.00 Payment Due' Date May 22, 2012 Address, e-mail or telephone change2 Go to www.Discover.com or print change in space above Account Number ending in 1799 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 000001986458480716022001841700050000004000 Opening Date: March 28, 2012 - Closing Date: April 27, 2012 Discover More Card Account Summary Account number ending in 1799 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $231 76 50 00 + 0 00 + 0 00 + 0 00 + 0 00 + 241 $184 17 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line $8,000 00 $7,815 00 $2,000 00 Cash Advance Credit Line Available $2,000 00 You may be able to avoid Interest Charges, see Additional Important Information for details Cashback Bonus"E Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance Tu ittarn mme lou :n r www.Discover.com Anniversary Month July $ 0 00 + 0 00 $ 0.00 3 Easy Ways to Contact Us 1 Access your account securely at www-Discover.com 2 Coll 1.800 -DISCOVER (1.800-347-2683) Please have your Discover® card 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 $184 17 Minimum Payment Due $40 00 Payment Due Date May 22, 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 on estimated total of Only the minimum payment 5 months $189 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 mareS'........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 19 Apr 19 PAYMENT - THANK YOU $ -50 00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS $ 241 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 I ii Drerrtver bent Mvrnt ', FD:C PAPER v:1 IG Transactions (cont.) Trans. Post Date Date Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 2.41 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 TOTAL INTEREST CHARGED IN 2012 30228758 $ 25 00 8 17 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISC•VER DISC VER It pays to DISC VER TODD HOSTETTER Account number ending in 1799 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 Purchases Promotional Purchases Promotional Purchases Cash Advances V = Variable Rate ANN (ApPERCENTAGE RATER) 12 99% V 0 00% 20 99% BALANCE SUBJECT TO INTEREST CHARGE INTEREST RATE $218 47 $241 $0 $0 $0 $0 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 Discover Student Loans(R) can help loyal cardmembers. like you, take control of college and graduate school costs Visit DiscoverStudentLoans corn or call us at 1-877.728-3030 to learn more about our private student loans with a 2 b Graduation Reward When applying for your private student loan, please use invitation code CTM411 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 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 Descnptron of Problem, If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake You must contact us within 60 days after the error appeared on your statement You must notify us of any potential errors in writing You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question While we investigate whether or not there has been an error, the following are true We cannot try to collect the amount in question, or report you as delinquent on that amount The charge in question may remain on your statement, and we may continue to charge you interest on that amount But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount While you do not have to pay the amount in question, you are responsible for the remainder of your balance We can apply any unpaid amount against your credit limit Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, all of the following must be true 1 The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50 (Note Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services 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 art 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 30228758 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 dole (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 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 pament 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, (el) 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 F..] Full Pay Ell Min Pay Min Pay + $.-_ ,.,._._ r Fixed Pay$ 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 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 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 ezvrtuu i 30228758 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER DISC VER New Balance $1,772.47 TODD HOSTETTER 2101 PRINCETON AVE CAMP HILL PA 1701 1-5445 Minimum Payment Due. $ 74.00 Payment Due Date June 22, 2012 Address, e-mail or telephone change Go to www.Discover.com or print change in space above Account Number ending in 1799 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 O0pm ET For same day posting PO BOX 71084 CHARLOTTE NC 28272-1084 000001986458480716022017724700040000007400 Opening Date: April 28, 2012 - Closing Date: May 27, 2012 Discover More Card Account Summary Account number ending in 1799 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $184 17 40 00 + 0 00 + 0 00 + 1,50000 + 11000 + 18 30 $1,772 47 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 $8,000 00 $6,227 00 $2,000 00 $500 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 Tr, horn muve Iwa :nut www.Discover.com Anniversary Month July 0 00 000 $ $ 0.00 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Coll 1.800 -DISCOVER (1-800.347-2683) Please have your Discover9'card available 3 Write to us at Discover, PO Box 30943, Solt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, Fl 60197.6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449 page 1 of 2 Payment Information New Balance $1,772 47 Minimum Payment Due $74 00 Payment Due Date June 22, 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 22 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 6 years $3,041 F you would like information about credit counseling services. call 1-800-347-1121 Manage Your Account Online at www.Discover.com Access Free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth more <<---.find easy ways to earn and redeem cash rewards NEW' Access your account securely through your mobile phone Transactions Payments and Credits Trans. Post Date Date May 24 May 24 PAYMENT - THANK YOU -40 00 Cash Advances May 10 May 10 CASH ADVANCE CHECK 46066 USA $ 1,500 00 X228758 May 10 May 10 CASH ADVANCE FEE May 22 May 22 LATE FEE TOTAL FEES FOR THIS PERIOD $ 75 00 35 00 110.00 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 =6:rorr: Dm:nye, bunk Memh,3 hD'r; ?APER 071() Transactions (cont.) Interest Charged Trans. Post Date Date INTEREST CHARGE ON PURCHASES $ 1 92 INTEREST CHARGE ON CASH ADVANCES 16 38 INTEREST CHARGE ON BALANCE TRANSFERS 0 00 TOTAL INTEREST FOR THIS PERIOD 18.30 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 TOTAL INTEREST CHARGED IN 2012 30228758 $ 135 00 26 47 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER DISC VER It pays to DISC VER TODD HOSTETTER Account number ending in 1799 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 Purchases Promotional Purchases Promotional Purchases Cash Advances V = Variable Rate ANN (AP PERCENTAGE RATER) 12 99% V BALANCE SUBJECT TO INTEREST RATE $179 78 $1 92 INTEREST CHARGE 000% $0 $0 20 99% $949 63 $16 38 Information For You 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 cam/itp or call 1.866-515-5302 to learn more or to enroll Discover Student Loans(R) con help loyal cardmembers, like you, take control of college and graduate school costs Visit DiscoverStudentLoans corn or call us at 1-877-728-3030 to learn more about our private student loans with a 2% Graduation Reward When applying for your private student loan, please use invitation code CTM512 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 bills 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 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 Descrrprron of Prob'err, If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake You must contact us within 60 days after the error appeared on your statement You must notify us of any potential errors in writing You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question While we investigate whether or not there has been an error, the following are true We cannot try to collect the amount in question, or report you as delinquent on that amount The charge in question may remain on your statement, and we may continue to charge you interest on that amount But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount While you do not have to pay the amount in question, you are responsible for the remainder of your balance We can apply any unpaid amount against your credit limit Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, all of the following must be true 1 The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50 (Note Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services ) 2 You must have used your credit card for the purchase Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify 3 You must not yet have fully paid for the purchase If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at Discover, PO Box 30945, Salt Lake City, UT 84130-0945 While we investigate, the same rules apply to the disputed amount as discussed above After we finish our investigation, we will tell you our decision At that point, if we think you owe an amount and you do not pay we may report you as delinquent Payments. You may pay all or pari 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 30228758 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER' You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1.800.347-2683 Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment dole (e g , the 15th dayof the month) that occurs before your Payment Due Date If your scheduled payment dote falls on a weekend or bank holidy, 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 pament If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U S law You can set automatic payments for (r) statement New Balance, (ii) statement Minimum Payment Due, lin) statement Minimum Payment Due plus a heed 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 El Full Pay Mm Pay ❑ Mm Pay + E Fixed Pay$-_..__ Bank Routing # Bank Account # Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payment, missed payments, or other defaults on your Account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agencies each month If you believe that our report is inaccurate or incomplete, please write us at the Following address Discover, PO Box 15316, Wilmington, DE 198505316 Please indicate your name, address, home telephone number and Account number Paying Interest: We begin to impose interest charges on a transaction, fee or interestcharge 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 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 '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 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 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 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 andjor record telephone calls between you and Discover representatives for quality assurance purposes The Discoveretcard is issued by Discover Bank, Member FDIC RZN,LOU � 30228758 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISC•VER DISC VER New Balance $1,763.11 TODD HOSTETTER 2101 PRINCETON AVE CAMP HILL PA 1701 1-5445 Minimum Payment Due $86.00 Payment Due Date July 22, 2012 Address, e-mail or telephone change Go to www.Discover.com or print change in space above Account Number ending in 1799 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 000001986458480716022017631100075000008600 Opening Date: May 28, 2012 - Closing Date: June 27, 2012 Discover More Card Account Summary Account number ending in 1799 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $1,772 47 75 00 + 0 00 + 0 00 + 0 00 + 35 00 + 30 64 $1,763 11 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $1,900 00 $136 00 $500 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, lectin nine IOU :n m www.Discover.com Anniversary Month July $ + 0 00 $ 0.00 0 00 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call 1.800 -DISCOVER (1-800.347.2683) Please have your Discover® card available 3 Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, Il 60197-6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449 page 1 of 2 Payment Information New Balance $1,763 1 1 Minimum Payment Due $86 00 Payment Due Date July 22, 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 22 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 on estimated total of Only the minimum payment 6 years $3,018 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 moreSM--- find easy ways to earn and redeem cash rewards NE W I Access your account securely through your mobile phone Transactions Payments and Credits Trans. Post Date Dote Jun 23 Jun 23 PAYMENT - THANK YOU $ -75 00 Fees Jun 22 Jun 22 LATE FEE TOTAL FEES FOR THIS PERIOD 30'28758 $ 35 00 35.00 Interest Charged INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES $ 2 03 28 61 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 t ii DISCn,r huni. Menbo :PAPER 07 I0 Transactions (cont.) Interest Charged Trans. Post Date Date INTEREST CHARGE ON BALANCE TRANSFERS $ 0 00 TOTAL INTEREST FOR THIS PERIOD 30.64 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 TOTAL INTEREST CHARGED IN 2012 30228758 $ 170 00 57 II Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER DISC VER It pays to DISC VER TODD HOSTETTER Account number ending in 1799 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 04/16/2012 and after 04/15/2012 and prior Promotional Purchases Promotional Purchases Cash Advances V = Variable Rate ANNUAL PERCENTAGE RATE (APR) BALANCE SUBJECT TO INTEREST CHARGE INTEREST RATE 17 99% V $35 26 1299% V 0 00% 20 99% $134 93 $0 $1.605 02 $0 54 $1 49 $0 $28 61 Additional Important Information See your Cardmember Agreement. Your Cardmernber 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 on error, the following ore true We cannot try to collect the amount in question, or repot 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 hove been more than $50 (Note Neither of these are necessary if your purchase was based on an adverisement we mailed to you , or if we own the company that sold you the goods or services ) 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 al the financial institution indicated on your check or to process the payment os a check transaction If payment is processed as an electronic fund transfer, the transfer will be for the amount of the check When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back. from your financial institution The processing of your payment may be delayed if you send 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 Poyments received at our processing facility after 5PM local time will be credited to your Account as of the next day If you have misplaced your envelope, send your payment to Discover, PO Box 6103, 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 30228758 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1.800.347.2683 Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment dote (e g , the 15th day of the month) that occurs before your 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 pament 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, lei) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due If the scheduled payment is reater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement 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 El Min Pay Min Pay + $_.__.,. ___, i.-._� Fixed Pay$_,- 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 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 Furst 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 transections): 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 rote We do this for each day in she 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 RLNriuo I 30228758 Questions? Visit www.Dlscover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER DISC VER New Balance $1,702.81 TODD HOSTETTER 2101 PRINCETON AVE CAMP HILL PA 1 701 1-5445 Minimum Payment Due $50.00 Payment Due Date August 22, 2012 Address, e-mail or telephone change Go to www.Discover.com or print change in space above Account Number ending in 1799 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 000001986458480716022017028100090000005000 Opening Date: June 28, 2012 - Closing Date: July 27, 2012 Discover More Card Account Summary Account number ending in 1799 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $1,763 11 90 00 + 0 00 + 0 00 + 0 00 + 0 00 + 29 70 $1,702 81 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $1,90000 $197 00 $500 00 $0 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 Tn Irrnr nuwe inu :n u1 www.Discover.com Anniversary Month July 0 00 + 0 00 0.00 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call 1.800 -DISCOVER (1-800-347-2683) Please have your Discover'%card available 3 Write to us at Discover, PO Box 30943, 'Salt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197-6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449 page 1 of 2 Payment Information New Balance $1,702 81 Minimum Payment Due $50 00 Payment Due Date August 22, 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 22 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 apd each month you pay You will pay off the balance shown on this statement in about And you will end up paying an esitmated total of . Only the minimum payment 6 years $2,867 $64 3 years $2,306 (Savings = $561 ) 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 more S' -• find easy ways to earn and redeem cash rewards NE W I Access your account securely through your mobile phone Transactions Payments and Credits Trans. Post Date Date Jul 19 Jul 19 PAYMENT - THANK YOU .90 00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS $ 1 55 28 15 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 -mod or text messages on your mobile phone • Print a paper copy of your statement anytime • Sign up today at Discover.com/paperless 20I r: D,sverver Nuns; Membe. riYi ^APLR (0IU Transactions (cont.) Trans. Post Date Date Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 29.70 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 TOTAL INTEREST CHARGED IN 2012 30228758 $ 170 00 86 81 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER DISC VER It pays to DISC VER TODD HOSTETTER Account number ending in 1799 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 Purchases 04/16/2012 and after 04/15/2012 and prior Promotional Purchases Promotional Purchases Cash Advances V = Variable Rate ANNUAL PERCENTAGE N E NREST CE SRBE ECT TO INTEREST CHARGE RATE (APR) 17 99% V $67 31 12 99.6 V $51 86 0 00% $0 20 99% $1,631 36 $1 00 $0 55 $0 $28 15 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, hut 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 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 hove purchased with your credit cord, 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 mode in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50 (Note Neither of these ore necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services 2 You must have used your credit card for the purchase Purchases mode with cash advances from an ATM or with a check that accesses your credit card account do not qualify 3 You must not yet have fully paid for the purchase If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at Discover, PO Box 30945, Salt Lake City, UT 84130-0945 While we investigate, the same rules apply to the disputed amount as discussed above After we Finish our investigation, we will tell you our decision At that point, if we think you owe an amount and you do not pay we may report you as delinquent Payments. You may pay all or part of your Account balance at any time However, you must pay at least the Minimum Payment Due by the Payment Due Date Send only your payment and the top portion of this statement in the envelope provided Do not send cash By sending your check as described above, you authorize us to use information on your check to make an electronic Fund transfer From your account at the financial institution indicated on your check or to process the payment os a check transaction If payment is processed as an electronic fund transfer, the transfer will be for the amount of the check When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided Payments received in proper form 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 30228758 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 le 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 authorisation to allow us and your bank to deduct each payment you authorize, in the amount se ected by you, from your bank. account You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment You 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 pament 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, (inl 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 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 )7FullPay L Mtn Pay ❑Min Pay + $ (71 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 o transaction, fee or interest charge from the day we add r to the daily balance We continue to impose interest charges until you pay the total amount you owe us You 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 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 merest 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 Deof) 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 KEN. FiWOI 30228758 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER DISC VER New Balance $1,632.79 TODD HOSTETTER 2101 PRINCETON AVE CAMP HILL PA 1 701 1-5445 Minimum Payment Due. $50.00 Payment Due Date September 22, 2012 Address, e-mail or telephone change.' Go to www.Discover.com or print change in space above Account Number ending in 1799 Enter Amount Enclosed Below $f 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 000001986458480716022016327900100000005000 Opening Date: July 28, 2012 - Closing Date: August 27, 2012 Discover More Card Account Summary Account number ending in 1799 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $1,70281 10000 + 0 00 + 0 00 + 0 00 + 0 00 + 29 98 $1,632 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 $1,900 00 $267 00 $500 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 Ta learn move Iii, :nut www.Oiscover,com Anniversary Month July $ + 0 00 0 00 0.00 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call 1 -800 -DISCOVER (1-800.347.2683) Please have your Discoverricard available 3 Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197-6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1.800.347-7449 page 1 of 2 Payment Information New Balance $1.632 79 Minimum Payment Due $50 00 Payment Due Date September 22, 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 22 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 thus statement :in about And you will end up paying an esii.mated total of . Only the minimum payment 5 years $2,694 $61 3 years $2,214 (Savings = $480 ) f you would like information about credit counseling services, call 1-800-347-1121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth more find easy ways to earn and redeem cash rewards NEWT Access your account securely through your mobile phone Transactions Payments and Credits Trans. Post Date Date Aug 19 Aug 19 PAYMENT - THANK YOU $ -10000 Foes TOTAL FEES FOR THIS PERIOD $ 0.00 '3O"'1±8'8 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS $ 0 69 29 29 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 of Discover.com/paperless ic2J I!i o,cavei Bunt: Mcmher haS: PAPLR U7Iii Transactions (cont.) Trans. Post Date Date Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 29.98 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 TOTAL INTEREST CHARGED IN 2012 30228758 $ 170 00 11679 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683. DISC•VER DISC VER tt pays to DISC VER TODD HOSTETTER Account number ending in 1799 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 ERECT SUBJECT TO INTEREST CHARGE R Purchases 04/16/2012 and after 17 99% V $45 17 $0 69 04/15/2012 and prior 12 99.6 V $0 39 $0 Cash Advances 2099`0 $1,642 84 $29 29 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 an error, the following are true We cannot try to collect the amount in question, or report you as delinquent on that amount The charge in question may remain on your statement, and we may continue to charge you interest on that amount But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount While you do not have to pay the amount in question, you are responsible for the remainder of your balance We can apply any unpaid amount against your credit limit Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, all of the following must be true 1 The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50 (Note Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services ) 2 You must have used your credit card For the purchase Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify 3 You must not yet have fully paid for the purchase If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at Discover, PO Box 30945, Salt Lake City, UT 84130.0945 While we investigate, the same rules apply to the disputed amount as discussed above After we finish our investigation, we will tell you our decision At that point, if we think you owe an amount and you do not pay we may report you as delinquent Payments. You may pay all or part of your Account balance at any time However, you must pay at least the Minimum Payment Due by the Payment Due Date Send only your payment and the top portion of this statement in the envelope provided Do not send cash By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your 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 30228758 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 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 so schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those 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 seeded by you, from your bank. account You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment You can cancel a scheduled payment by phone at 1-800-347-2683 or by mail at Discover, PO Box 30421, Salt lake City, UT 84130.0421, however we must receive notice at least three business days in advance of the scheduled pament 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, (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 she Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due If the scheduled payment 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 ❑ Full Pay Lj Mm Pay 17 Mm Pay + $ (_l Fixed Pay$.J_.. 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 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 Discovermcard is issued by Discover Bank, Member FDIC RL:Nituu i 30228758 Questions? Visit www.Dlscover.com or call 1 -800 -DISCOVER (1-800-347-2683. DISCOVER DISC VER New Balance $1,647.04 TODD HOSTETTER 2101 PRINCETON AVE CAMP HILL PA 1 701 1-5445 Minimum Payment Due. $ 85.00 Payment Due Date October 22, 2012 Address, e-mail or telephone change2 Go to www.Discover.com or pont change in space above Account Number ending in 1799 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 000001986458480716022016470400050000008500 Opening Date: August 28, 2012 - Closing Date: September 27, 2012 Discover More Card Account Summary Account number ending in 1799 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $1,632 79 50 00 + 0 00 + 0 00 + 0 00 + 35 00 + 29 25 $1,647 04 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $1,900 00 $252 00 $500 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 Tv team ,vv, kis :n a, www.Discover.com Anniversary Month July $ 0 00 + 0 00 $ 0.00 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Coll 1 -800 -DISCOVER (1.800.347.2683) Please have your Discover'' card available 3 Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 (Slot a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197-6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449 page 1 of 2 Payment Information New Balance $1,647 04 Minimum Payment Due $85 00 Payment Due Date October 22, 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 22 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 thisstatement in about And you will end up paying an estimated total of Only the minimum payment 6 years $2,728 f you would like information about credit counseling services. call 1-800-347-1121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth more '........find easy ways to earn and redeem cash rewards NEWI Access your account securely through your mobile phone Transactions Payments and Credits Trans. Post Date Date Sep 25 Sep 25 PAYMENT - THANK YOU -50 00 Fees Sep 22 Sep 22 LATE FEE TOTAL FEES FOR THIS PERIOD 311928758 Interest Charged INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES $ 35 00 35.00 $ 0 14 29 11 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of dawnloodable, 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 ii `1.J,srnver bui4 trsmhe, FDK.' PAPLR 0710 Transactions (cont.) Interest Charged Trans. Post Date Date INTEREST CHARGE ON BALANCE TRANSFERS $ 0 00 TOTAL INTEREST FOR THIS PERIOD 29.25 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 TOTAL INTEREST CHARGED IN 2012 30228758 $ 205 00 146 04 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347.2683). DISCOVER DISC VER it pays io DISC VER TODD HOSTETTER Account number ending in 1799 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 17 99% V Cash Advances 20 99% V = Variable Rate BALANCE SUBJECT TO INTEREST CHARGE INTEREST RATE $9 43 $0 14 $1,632 67 $29 1 1 Information For You "-`Discover Home Loans State Licensing Info"" Not all applicants are approved Terms and conditions apply AZ Mortgage Banker LIC No 0919392, licensed by the Dept of Corporations under the CA Residential Mortgage Lending Act. Regulated by the CO Division of Real Estate, GA Residential Mortgage Licensee #.33265, IL Residential Mortgage Licensee #MB 6760852 -Dept of Financial Regulation, 100 W Randolph, 9th Floor, Chicago, IL 60601, MA Mortgage Lender & Mortgage Broker LIC #MC837915, Licensed by the MS Dept of Banking and Consumer Finance. Licensed by the NH Banking Dept, NJ Residential Mortgage lender LIC, OH Mortgage Broker Act Mortgage Banker Exemption #MBMB 850150 000, OR Mortgage Lender LIC #ML•5100, Licensed by the PA Dept of Banking, VA Exempt Company Registration, Licensed in WA under the name of DFS HL Inc , Consumer Loan LIC 4Clf837915, Discover Home Loans, Inc 's NMLS #837915 Not available in NV, NY & RI Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report immediately Call 1-800-347-2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at Discover, PO Box 30421, Salt Lake City, UT 84130-0421 In your letter, give us the following information Account information Your name and account number Dollar amount The dollar amount of the suspected error Description of Problem If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake You must contact us within 60 days after the error appeared on your statement You must notify us of any potential errors in writing You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question While we investigate whether or not there has been an error; the following are true We cannot try to collect the amount in question. or report you as delinquent on that amount The charge in question may remain on your statement, and we may continue to charge you interest on that amount But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount While you do not 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 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 30228758 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 dale (e gthe 15th dayof the month) that occurs before your Payment Due Dote If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those 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 pament 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 full -in the following blanks below and retain the authorization for your records Amount ❑ Full Pay , Mm Pay Mm Pay + $ _, (_ 1 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 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 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 billingperiod This gives us the interest charges for each Transaction Category To get a daily periodic rote, we dividthe APR that applies to the Transaction Category by 365 We odd up all the daily interest charges The sum is the total interest charge for the billing period How We Include Fees We add 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 Discoverwcard is issued by Discover Bank, Member FDIC ttLNi luu i 30228758 Questions? visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER DISC VER New Balance $1,575.12 TODD HOSTETTER 2101 PRINCETON AVE CAMP HILL PA 1701 1-5445 Minimum Payment Due $49.00 Payment Due' Date November 22, 2012 Address, e-mail or telephone change2 Go to www.Discover.com or print change in space above Account Number ending in 1799 Enter Amount Enclosed Below $1 1 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 000001986458480716022015751200100000004900 Opening Date: September 28, 2012 - Closing Date: Oc ober 27, 2012 Discover More Card Account Summary Account number ending in 1799 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $1,647 04 100 00 + 0 00 + 0 00 + 0 00 + 0 00 + 28 08 $1,575 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 $1,900 00 $324 00 $500 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 Tv Ianr mine Ina +n ar www.Discover.com Anniversary Month July $ 0 00 + 0 00 $ 0.00 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call 1.800 -DISCOVER (I.800.347-2683) Please have your Discover 6 card available 3 Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197-6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449 page 1 of 2 Payment Information New Balance $1,575 12 Minimum Payment Due $49 00 Payment Due Date November 22, 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 22 99% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example If you make no additional charges using this card and each month you pay You will payoff the balance shown on this statement in about And you will end up paying an estimated total of Only the minimum payment 5 years $2,554 $59 3 years $2,136 (Savings = $418 ) 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 moreu'.---.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 Oct 19 Oct 19 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 $ 0 37 2771 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 c -moil or text messages on your mobile phone • Print o paper copy of your statement anytime • Sign up today at Discover.com/paperless (5 on;ave; bunk Mogni.N'DK- ?:.PLR Cr} IG Transactions (cont.) Trans. Post Date Date Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 28,08 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 TOTAL INTEREST CHARGED IN 2012 30228758 $ 205 00 174 12 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER DISC VER ft pays ro DISC VER TODD HOSTETTER Account number ending in 1799 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 {AP PERCENTAGE RATE) Purchases 17 99% V Cash Advances 20 99% V = Variable Rate BALANCE SUBJECT TO INTEREST RATE $24 83 $1,605 91 INTEREST CHARGE $0 37 $27 71 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 os delinquent on that amount The charge in question may remain on your statement, and we may continue to charge you interest on that amount But, if we determine that we made a mistake, you will not 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 cord for the purchase Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify 3 You must not yet have fully paid for the purchase If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at Discover, PO Box 30945, Salt Lake City, UT 84130-0945 While we investigate, the same rules apply to the disputed amount as discussed above After we finish our investigation, we will tell you our decision At that point, if we think you owe an amount and you do not pay we may report you as delinquent Payments. You may pay all or part of your Account balance at any time However, you must pay at least the Minimum Payment Due by the Payment Due Date Send only your payment and the top portion of this statement in the envelope provided Do not send cash By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction If payment is processed as an electronic. fund transfer, the transfer will be for the amount of the check When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197-6103 Please allow 7.10 days For delivery If your poyment is returned unpaid, we reserve the right to resubmit it as an electronic debit 30228758 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATIOi'I 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 pa ment 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 doys in advance of the scheduled pament 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, Uri) 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 EJ Full Pay 17 Min Pay n Min Pay + $ 1.__I 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 transaction, fee or interest charge from 'he day we add it to 'he daily balance We continue to impose interest charges until you pay the total amount you owe us You can avoid paying interest on Purchases as described below However, you cannot ovoid 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 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 potted 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 rote, 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 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 Discovermcard is issued by Discover Bank, Member FDIC 30228758 RZN Luu r Questions? Visit www.Dlscover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER' DISC VER New Balance S 1,588.31 TODD HOSTETTER 2101 PRINCETON AVE CAMP HILL PA 1701 1-5445 Minimum Payment Due $84.00 Payment Due Date December 22, 2012 Address, e-mail or telephone change2 Go to www.Discover.com or print change in space above Account Number ending in 1799 Enter Amount Enclosed Below si 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 000001986458480716022015883100050000008400 Opening Date: October 28, 2012 - Closing Date: November 27, 2012 Discover More Card Account Summary Account number ending in 1799 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $1,575 12 50 00 + 0 00 + 0 00 + 0 00 + 35 00 + 28 19 $1,588 31 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $1,900 00 $311 00 $500 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 mole log :n u' www.Discover.com Anniversary Month July $ 0 00 + 0 00 $ 0.00 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call 1 -800 -DISCOVER (1-800-347-2683) Please have your Discover card available 3 Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197-6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449 page 1 of 2 Payment Information New Balance $1,588 31 Minimum Payment Due $84 00 Payment Due Date December 22, 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 22 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 5 years $2,585 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 more'` ----find easy ways to earn and redeem cash rewards NE Wt Access your account securely through your mobile phone Transactions Payments and Credits Trans. Post Date Date Nov 23 Nov 23 PAYMENT - THANK YOU -50 00 Fees Nov 22 Nov 22 LATE FEE TOTAL FEES FOR THIS PERIOD 30'28758 $ 35 00 35.00 Interest Charged INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES $ 001 28 18 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 _?201 asrrry hunk /Oronher IJ:C PAPER 0710 Transactions (cont.) Interest Charged Trans. Post Date Dote INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD $ 000 28.19 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 TOTAL INTEREST CHARGED IN 2012 30228758 $ 240 00 20231 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER DISC VER it pays to DISC VER TODD HOSTETTER Account number ending in 1799 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR( is the annual interest rate on your account Current Billing Period: 31 clays TYPE OF BALANCE ANNUAL PERCENTAGE RATE (APR( Purchases 17 99% V Cash Advances 20 99% V = Variable Rate BALANCE SUBJECT TO INTEREST RATE $0 31 INTEREST CHARGE $0 01 $1,580 40 $28 18 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 Descnp!ton 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 of that amount The charge in question may remain on your statement, and we may continue to charge you interest on that amount But, if we determine that we made a mistake, you will not hove to pay the amount in question or any interest or other fees related to that amount While you do not have to pay the amount in question. you are responsible for the remainder of your balance We can apply any unpaid amount against your credit limit Your Rights If You Are Dissatisfied With Your Credit Card Purchases IF you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, all of the following must be true 1 The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50 (Note Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services 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 ore still dissatisfied with the purchase, contact us in writing at Discover, PO Box 30945, Salt Lake City, UT 84130.0945 While we investigate, the same rules apply to the disputed amount as discussed above After we finish our investigation, we will tell you our decision At that point, if we think you owe an amount and you do not pay we may report you as delinquent Payments. You may pay all or part of your Account balance at any time However, you must pay 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 os an electronic debit 30228758 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 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 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 ❑ Mm Pay + Fixed Bank Routing # Bank Account # Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payments, missed payments, or other defaults on your Account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agencies each month 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 horn the day we add it to 'he daily balance We continue to impose interest charges until you pay the total amount you owe us You can avoid paying interest on Purchases as described below However; you cannot avoid paying interest on Balance Transfers or Cash Advances How to Avoid PayingInterest 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 Doily Balance for Each Transaction Category We start with the beginning balance for each day The beginning balance for the first day of the billing period is your balance on the last day of your previous billing period We add any interest charges accrued on the previous day's daily balance and any new transactions and fees We add any new transactions or fees as of the later of the Transaction Date or the first day of the billing period in which the transaction or fee posted to your Account We subtract any new credits and payments We make other adjustments (including those adjustments required in the "Paying Interest" section) How We Figure Your Total Interest Charges We multiply the daily balance For each Transaction Category by its daily periodic rate 'We do this for each day in the billing period This gives us the interest charges for each Transaction Category To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365 We add up all the daily interest charges The sum is the total interest charge for the billing period How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category We add Cash Advance Fees to the applicable Cash Advance Transaction Category We add all other fees to the standard Purchase Transaction Category Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate It shows this for each transaction category The Balance Subject to Interest Rate is the average of the daily balances during the billing period Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement A credit balance is money that is owed to you You may make charges against this amount if your Account is open We will send you a refund of any remaining balance of $1 00 or more after 6 months, or as otherwise required by applicable law For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes The Discovertt card is issued by Discover Bank, Member FDIC RZNi•LOCJI 30228758 Questions? Visit www.Dlscover.com or call 1 -800 -DISCOVER (1-800-347-2683. DISCOVER' DISC VER New Balance $1,525.56 TODD HOSTETTER 2101 PRINCETON AVE CAMP HILL PA 1701 1-5445 Minimum Payment Due $48.00 Payment Due Date January 22, 2013 Address, e-mail or telephone change2 Go to www.Discover.com or print change in space above Account Number ending in 1799 Enter Amount Enclosed Below $1 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 000001986458480716022015255600090000004800 Opening Date: November 28, 2012 - Closing Date: December 27, 2012 Discover More Card Account Summary Account number ending in 1799 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $1,588 31 90 00 + 0 00 + 0 00 + 0 00 + 0 00 + 2725 $1,525 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 $1,90000 $374 00 $500 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 nine log a, www.Discover.com Anniversary Month July $ 0 00 + 0 00 $ 0.00 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 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 $1,525 56 Minimum Payment Due $48 00 Payment Due Date January 22, 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 22 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 5 years $2,437 $57 3 years $2,069 (Savings = $368 ) 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 moret -» 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 22 Dec 22 PAYMENT - THANK YOU $ -90 00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 t 28188 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS $ 0 42 26 83 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 o paper copy of your statement anytime • Sign up today at Discover.com/paperless „2U I GF rank fdcmnel ?ApLR Cri IU Transactions (cont.) Trans. Post Date Date Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 27,25 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 TOTAL INTEREST CHARGED IN 2012 30228758 $ 240 00 229 56 Questions? Visit www.Discovor.com or call 1 -800 -DISCOVER (1-800-347-2683). D1SC•VER DISC VER R pot's iso DISC VER TODD HOSTETTER Account number ending in 1799 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 AANNUAALL PERCENTAGE N E NC g BE ECT TO INTEREST CHARGE RATE (Purchases 17 99% V $28 25 $0 42 Cash Advances 2099% $1,555 31 $26 83 V = Variable Rale Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report immediately' Call 1.800.347.2683. What To Do If You Think You Find A Mistake On Your Statement IF you think there is an error on your statement, write to us at Discover, PO Box 30421, Salt Lake City, UT 84130-0421 In your letter, give us the following information Account information Your 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 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 fell 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 horn 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 30228758 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 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 seeded by you, from your bank account You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment You can cancel a scheduled payment by phone at 1.800.347.2683 or by mail at Discover, PO Box 30421 Salt take City, UT 84130.0421, however we must receive notice at least three business days in advance of the scheduled payment If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be You must ensure that sufficient funds are available 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, (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 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 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 she following address Discover, PO Box 15316, Wilmington, DE 19850-5316 Please indicate your name, address, home telephone number and Account number Paying Interest: We begin to impose interest charges on o transaction, Fee or interest charge from the day we add it to the daily balance We continue to impose interest charges until you pay the total amount you owe us You 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 Dote shown on that billing statement, we will not impose interest charges on new Purchases or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement New Purchases are Purchases that first appear on the current billing statement How We Apply Payments May Impact Your Grace Period If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases How We Calculate Interest Charges • Daily Balance Method (including current transactions): We calculate interest charges each billing period by first figuring the "daily balance" for each Transaction Category Transaction Categories include standard Purchases, standard Cash Advances and different promotional balances, such as Balance Transters How We Figure the Daily Balance for Each Transaction Category We start with the beginning balance for each day The beginning balance for the first day of the billing period is your balance on the last day of your previous billing period We add any interest charges accrued on the previous day's daily balance and any new transactions and fees We add any new transactions or fees as of the later of the Transaction Date or the first day of the billing period in which the transaction or fee posted to your Account We subtract any new credits and payments We make other adjustments (including those adjustments required in the "Paying Interest" section) How We Figure Your Total Interest Charges We multiply the daily balance for each Transaction Category by its daily periodic rate We do this for each day in the billin period This gives us the 'merest charges for each Transaction Category To ger 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 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 balonces 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 Dscovert'Dcard is issued by Discover Bank, Member FDIC et:NrLuor 30228758 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER' DISC VER ACCOUNT SUMMARY Previous Balance Payments and Credits Purchases Balance Transfers Cosh Advances Fees Charged Interest Charged New Balance $1,525.56 550.00 + $0.00 + $0.00 + $0.00 + $0.00 + S27.23 $1,502.79 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. 51,900 $397 $500 $0 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 1799 Open Dote: Dec 28, 2012- Close Date: Jan 27, 2013 Cardmember Since 2006 Page 1 of 4 PAYMENT INFORMATION New Balance Minimum Payment Due Payment Due Dote $1,502.79 548.00 February 22, 2013 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may hove to pay a late fee of up to 535.00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 22.99% variable. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no otidi8otattl charges u$tn9 this•card •and each month You wtli pay off the balanceshown pn this ataterteitin abottf,;; And you will, end op paying att estimated totai Only the minimum payment $57 5 years 3 years 52,451 52,038 l (Savings= 5413) f you would like information about credit counseling services, call 1-800-347-1121. REWARDS Cashback Bonus® Opening Balance New Cashbook Bonus This Period Redeemed This Period Cashback Bonus Balance To learn more, log in at Discover.com 5 +5 _$ Anniversary Month July 0.00 0.00 0.00 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Payment coupon; 11'44* do pot. fold, clip or .stoOfe:: Pay Online. Dtstgver.CoM Pay by Phone 1 100347 2683 Illll 111 I"I 'Illi' ll I ,1111111 111H1 TODD HOSTETTER 2101 PRINCETON AVE CAMP HILL PA 1 701 1-5445 302287e58 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 Minimum Payment Due New Balance Payment Due Date ..................................................................... Amount enclosed 1799 548.00 51,502.79 February 22, 2013 5 PO BOX 71084 CHARLOTTE NC 28272-1084 IIII;I' I1 .I,.'II 11 �:II::I.:III 11111:11 11 l l„ lr'II'II 000001986458480716022015027900050000004800 TODD HOSTETtER Account number ending in 1799 Important Information See your Cordmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately) Call 1-800-347-2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is on error on your statement, write to us ot: 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 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 a check transaction. If o payment is processed os an electronic fund transfer, the transfer will be for the amount of the check. When we use information from your check to make on electronic fund transfer, funds may be withdrawn from your account as soon 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 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 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. 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 Dote shown on that statement, or the next automatic payment dote 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 Dote. If your scheduled payment dote falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account 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 on error in the processing of such payment. You con cancel a scheduled payment by phone at 1-800-347-2683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 84130-0421; however, we must receive notice al 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 28, 2012 - Close Date: Jan 27, 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 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 Cordmember Agreement. If your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the 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: J Full Poy 1Min Pay :..:Min Pay+ 5 Other Amount$ ; Bank Routing #: Bank Account # Monthly on the L_? Payment Due Date LIClose Dote �.. 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 dote 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 Rote is the average of the daily balances during the billing period. Credit Balances. If your Account has o credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed 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 51.00 or more after 6 months, or as otherwise required by applicable low, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Discover may monitor and/or record telephone calls between you and Discover representatives for 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 I 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 Fees Interest Charged Mobile Manage your account anytime, anywhere at m. Di scover.com Trans. Date Jan 21 Post Date Jan 21 Phone 1 -800 -DISCOVER (1-800-347-2683) TDD 1-800-347-7449 PAYMENT - THANK YOU TOTAL FEES FOR THIS PERIOD Discover More Card Account number ending in 1799 Open Date: Dec 28, 2012 - Close Date: Jon 27, 2013 Page 3 of 4 Inquiry Discover PO Box 30943 Salt Lake City UT 84130 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD Mail Payments Discover PO Box 6103 Carol Stream IL 60197-6103 S $ S -50.00 0.00 0.00 27.23 0.00 27.23 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 30228758 ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO (APR)• INTEREST RATE 17.99% V $0.32 20.99% $1,527.15 $ S 0.00 27.23 INTEREST CHARGE S0.00 S27.23 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION TODD HOSTETTER 30228758 Account number ending in 1794 Open Date: Dec 28, 2012 • Close Date: an 27, 2013 Page 4 of 4 DISC VER ACCOUNT SUMMARY Previous Balance $1,502.79 Payments and Credits — $50.00 Purchases + $0.00 Balance Transfers + $0.00 Cash Advances + $0.00 Fees Charged + $0.00 Interest Charged + S26.74 New Balance $1,479.53 See Interest Charge Calculation section 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 ovoid interest on Purchases. See reverse for details. S 1,900 $420 $500 $0 Contact Us Discover.com 1 1.800-347-2683 Discover More Card Account number ending in 1799 Open Dote: Jan 28, 2013- Close Date: Feb 27, 2013 Cardmember Since 2006 Page 1 of 4 PAYMENT INFORMATION New Balance Minimum Payment Due Payment Due Dote $1,479.53 $47.00 March 22, 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 22.99% 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 rnal:e no adduio€atit charoes.l esing this- card aadeocl-:trtontf., rtiu You wilt pay eff the balance •shown pn this statement n.abau# .:. And'you will' end up. paying oe. estirnated total Only the minimum payment $56 5 years 3 years $2,397 ...................... $2,007 (Savings= S390) 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 Make Check payable to Discover Please fold on the perforation below, detach and return with your payment S ..................................................................... Anniversary Month July 0.00 0.00 0.00 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Payment Coupon. Plegst ao npt fafd, clip: or stoat Pay Online. biscove : om lay by Phone 1-800.347-2683, 11111`1'111111 11Ill .I IIII I1:. Ill1111 ti1111 i1"'11;1:11::11 TODD HOSTETTER 2101 PRINCETON AVE CAMP HILL PA 17011-5445 302287.581 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 IMinimum Payment Due 1799 $47.00 New Balance Payment Due Date Amount enclosed $ 1,479.53 March 22, 2013 S PO BOX 71084 CHARLOTTE NC 28272-1084 1 111111`1;;1111;1 :1111111;11 1111111111 , 000001986458480716022014795300050000004700 TODD HOSTETTER Account number ending in 1794 Open Dot an 28, 2013 - Close Date: Feb 27, 2013 Page 2 of 4 Important Information See your Cordmember Agreement. Your Cordmember Agreement contains all the terms of your Account. Lost or stolen cords. 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 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 moy call us, but if you do we ore not required to investigate any potential errors, and you may have io pay the amount in question. The Billing Rights Notice further explains your rights. A copy of this notice is available at htlps://discover.com/billingrights. Payments. You moy pay all or port of your Account bolonce of any time. However, you must pay of leost the Minimum Payment Due by the Poyment Due Date. Send only your payment and the bottom portion of this statement in the envelope provided. Do not send cosh. If you pay by check, you authorize us to use information on your check io make an electronic fund tronsfer from your account of the finonciol institution indicated on your check or to process the payment as o check transaction. If poyment 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 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 oddress or if you use on envelope other ihon the one provided. Payments received in proper form ai 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 loco) 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. 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 Poyment 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 shot statement, or the next automatic payment dote referred to on your statement, unless you request o recurring payment dale (e.g., the 15" day of the month) that occurs before your Payment Due Dote or Close Dote. If your scheduled payment dote falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bunk holiday. In order to schedule monthly payments by telephone, you will need this statement and your hank account information. You will be osked to provide the losi 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 outhorize, in the amount selected by you, from your bank account. You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct on error in the processing of such payment. You can cancel o scheduled payment by phone at 1-800-347-2683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 84130-0421; however, we must receive notice of least three business doys in advonce 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 You must ensure that sufficient funds ore avoiloble in your bank account, and at Ironsodions 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 Poyment 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 poymeni amount moy be less than the amount indicated on the billing statement based on credits or poyments after the Close Dote. If you enroll by phone in our outomotic payment service, please fill-in the following blanks below and retain the authorization for your records. Amount: _ Full Pay ii Min Pay ! II Min Poy+ 5 [ Other Amount$ ; Bank Routing #: Bank Account # Monthly on the Payment Due Date (...I Close Date (I 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 stotus 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, oddress, home telephone number and Account number. Paying Interest. Your due dote is at least 25 doys after the close of each billing period (al 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 eoch month. We will begin charging interest on Cash 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 Bolance Subject to Interest Rate. For more information, please toll us 011-800-347-2683. Balance Subject to Interest Rate. Your statement shows o Balance Subject to Interest Rote. 11 shows this for each transaction category. The Balance Subject to Interest Rote is the average of the daily balances during the billing period. Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges ogoinst this amount if your Account is open. We will send you a refund of any remaining balonce of 51.00 or more offer 6 months, or as otherwise required by applicable low, or upon request made to the address in the Contact Us section on page 3 of your billing stotement. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover(6 card is issued by Discover Bank, Member FDIC. TL23N If correct on front, do not use. Pleose print cleorly in blue or block ink, in the space provided. Street Address i City Horne 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 al Discover.com Transactions Payments and Credits Fees Interest Charged Mobile Manage your account anytime, anywhere at m.Discover.com Phone 1 -800 -DISCOVER (1-800-347-2683) TDD 1-800-347-7449 Trans. Date Post Date Feb 18 Feb 18 PAYMENT - THANK YOU TOTAL FEES FOR THIS PERIOD Discover More Card Account number ending in 1799 Open Dote: Jan 28, 2013 - Close Date: Feb 27, 2013 Page 3 of 4 Inquiry Discover PO Box 30943 Solt Lake City UT 84130 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD Mail Payments Discover PO Box 6103 Carol Stream IL 60197-6103 $ 5 5 -50.00 0.00 0.00 26.74 0.00 26.74 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 Rote 30228758 ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO (APR) INTEREST RATE 17.99% V $0.00 20.99% $1,499.66 $ 0.00 $ 53.97 INTEREST CHARGE S0.00 526.74 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION TODD HOSTETTER Account number ending in 1799 30228758 Open Dote:._ Jan ._2a.c._2019.._'...Close Dote:... Feb 27, 201_3............__.....................Poge 4 of 4 DISC VER ACCOUNT SUMMARY Previous Balance 51,479.53 Payments and Credits — $0.00 Purchases + $0.00 Balance Transfers + 50.00 Cosh Advances + $0.00 Fees Charged + 535.00 Interest Charged + 524.01 New Balance $1,538.54 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 ovoid interest on Purchases. See reverse for details. Contact Us Discover.com 1-800-347-2683 51,900 5361 $500 50 See "Information For You" section for important information regording Your Billing Rights. Make Check payable to Discover Please fold on the perforation below, detach and return with your payment Discover More Card Account number ending in 1799 Open Date: Feb 28, 2013- Close Date: Mar 27, 2013 Cardmember Since 2006 Page 1 of 4 PAYMENT INFORMATION New Balance Minimum Payment Due * Payment Due Dote . Includes past due amount of: $1,538.54 $127.00 April 22, 2013 S47.00 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 22.99% variable. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and ii will take you longer to pay off your balance. For example: If yap make :itoattdttiaht4 chatge's esinxq t#Erscard and each month lou will .pay aff the baitiaca slaawtt bn this staternentlt4 about;., 7+nc1you vv,ll end up pay'iltn estimafed1001 Only the minimum payment 5 years $2,427 If 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 S +5 Anniversary Month July 0.00 0.00 0.00 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Payment'Coupon Pay Online. Please do not fold, clip: zer staple, Otscovertotn Pay by Phone 1,800447-26.83 11111:1 1 ,1 I Nil 11 11"11 1111i 1'' 111I 1,I1 1111:1;11 TODD HOSTETTER 2101 PRINCETON AVE CAMP HILL PA 1 701 1-5445 302287.5a 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 Minimum Payment Due New Balance Payment Due Date Amount enclosed 1799 5127.00 $1,538.54 April 22, 2013 PO BOX 71084 CHARLOTTE NC 28272-1084 1!11111 1111:1111 111'11111 000001986458480716022015385400193000012700 11111,1111 TODD HOSTETTER Account number ending in 1799 Important Information Se your Card emberryourcAg+ement.YourCordmemberAgreementcontains ollLost or stolen cards. Report immediotely! Coll 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 stotement, 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 nay the amount in question. The Billing Rights Notice further explains your rig its. Please see your Cordmember Agreement or visit https://discover.com/billingrights for o copy of this notice. Payments. You may pay oll or port of your Account bolonce 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 stotement in the envelope provided. Do not send cosh. If you pay by check, yov authorize us to use information on your check 10 make on electronic fund tronsfer from your occount at the financial institution indicated on your check or to process the payment as a check transaction. If o payment is processed as on electronic fund transfer, the tronsfer 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 to any other address or if you use an envelope other thou the one provided. Payments received in proper form al 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 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 os on electronic debit. Payments made online or by phone will be credited as of the day of receipt if mode 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 stotement 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 dote (e.g., the 15' day of the month) that occurs before your Payment Due Date or Close Dote. 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 occount 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 lo your bank account, as opplicable, to correct an error in the processing of such payment. You can cancel a scheduled payment by phone 011-800-347-2683 or by moil of Discover, PO Box 30421, Solt Lake City, UT 84130-0421; however, we must receive notice at least three business doys in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly billing stotement when your payment will be mode and how much it will be. CHANGE OF ADDRESS Open ...Dale: .._Feb 28•..._ 2013... -Close Dole: Mar 27, 2013...................................._Page..2.. of 4 You must ensure that sufficient funds are available in your bank account, and all Ironsoctions must comply with U.S. low, You con set outomotic payments for: (i) statement New Bolance, (11) 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 10 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 greoter 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 poyment 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: LJ Full Poy [IMin Pay ^Min Pay+ 5 ( Other AmounlS ; Bank Routing #: Bank Account # Monthly on the _ Payment Due Dote L.1 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 dote is at least 25 days after the close of each billing period (al least 23 days for billing periods that begin in February). We will not charge you any interest on Purchases if you pay your entire balance by the due dote each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the 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 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 Rote. Your statement shows o Bolance Subject to Interest Rate. It shows this for each transaction category. The Bolance 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 o refund of any remaining balance of 51.00 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 stotement. 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 cleorly in blue or block ink, in the space provided. Street Address City Home Phone ork Phone Email t 361 6')i58 �......_. 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 al 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 1799 Open Date: Feb 28, 2013 - Close Date: Mar 27, 2013 Page 3 of 4 Inquiry Mail Payments Discover Discover PO Box 30943 PO Box 6103 Solt Lake City Carol Stream UT 84130 IL 60197-6103 Fees Interest Charged Mor 22 Mar 22 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 5 5 35.00 35.00 0.00 24.01 0.00 24.01 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: 28 days $ $ 35.00 77.98 ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchases 17.99% V 50.00 $0.00 Cash Advances 20.99% $1,491.07 524.01 V=Variable Rote Information For You Your Billing Rights: Keep This Document For Future Use This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. What To Do If You Find A Mistake On Your Statement If you think there is an error on your statement, write to us ot: Discover,P0 Box 30421,Salt Lake City, UT 84130-0421. In your letter, give us the following information: • Account information: Your name and account number. • Dollar amount: The dollar amount of the suspected error. • Description ofproblem: If you think there is on error on your bill, describe what you believe is wrong and why you believe itis a mistake. You must contact us: • Within 60 days after the error appeared on your statement. • At least 3 business days before on automated payment is scheduled, if you want to stop payment on the amount you think is wrong. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may hove lo pay the amount in question. What Will Happen After We Receive Your Letter When we receive your letter, we must do two things: 1. Within 30 days of receiving your leiter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. While we investigate whether or not there has been an error: • We cannot try 10 collect the amount in question, or report you as delinquent on that amount. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. • While you do not hove to pay the amount in question, you are responsible for the remoinder of your balance. • We can opply any unpaid amount against your credit limit. 308v$'9h our investigation, one of two things will happen: • we made a mistake: You will not have io pay the amount in question or any interest or other fees related to that amount. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION TODD HOSTETTER...................................... Account number ending in 1799 Information For You ... Continued Open Daie: Feb 28, 2013 - Close Date: Mar 27, 2013 .__ ..........................__Page 4 of 4 • 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 dote payment is due. We moy 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 pay the first $50 of the amount you question even if your bill is correct. Your Rights.. If. You Are..Dissatisfied With Your .._Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may hove the right not to pay the remaining amount due on the purchose. 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 purchose price must have been more than S50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must hove used your credit card for the purchase. Purchases 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 hove fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Discover PO Box 30945 Solt Lake City, UT 84130-0945 While we investigate, the some rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we moy report you os delinquent. 30228758 DISC VER ACCOUNT SUMMARY Previous Balance 51,538.54 Payments and Credits — $0.00 Purchases + $0.00 Balance Transfers + 50.00 Cosh Advances + $0.00 Fees Charged + 535.00 Interest Charged + 527.58 New Balance 51,601.12 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. Contact Us Discover.com 1-800-347-2683 $1,900 5298 5500 50 Make Check payable to Discover Please fold on the perforation below, detach and return with your payment Discover More Card Account number ending in 1799 Open Date: Mar 28, 2013- Close Date: Apr 27, 2013 Cardmember Since 2006 Page 1 of 4 PAYMENT INFORMATION New Balance Minimum Payment Due * Payment Due Date Includes past due amount of: $1,601.12 $210.00 May 22, 2013 $127.00 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 and balance transfer APRs for new transactions may be increased up to the Penalty APR of 22.99% variable. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and i1 will take you longer to pay off your balance. For example: 1'10 bloke sle ,ddttiottit chbt'Ocs ustric3 thtsaard;and eot}t me nils ItauPay,-.. ! Yuu will f ,yy off the i baktnce s'howb on: kis .stotemohiti a about,, AO you. will etld uP paying ort estimoted 1: of.,, Only the minimum payment 5 years 52,463 f you would like information about credit counseling services, call 1-800-347-1 121. REWARDS Cashback Bonus® Opening Balance New Cashback Bonus This Period Redeemed This Period Cashback Bonus Balance i To learn more, log in at Discover.com S +S —5 Anniversary Month July 0.00 0.00 0.00 $ 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Payment +Coupon; , Pay Online. Please dct not fold„ dip Discgver;torn. Payby Phone 1•800.347-2W, Iiil I I,IIIIII'':Ill; ltii TODD HOSTETTER 2101 PRINCETON AVE CAMP HILL PA 1 701 1-5445 3022875aInternet 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 Minimum Payment Due 1799 5210.00 New Balance Payment Due Date ........................................................................... Amount enclosed $1,601.12 May 22, 2013 PO BOX 71084 CHARLOTTE NC 28272-1084 It 000001986458480716022016011200199000021000 lllili 1111; II 11I'I;tl i;1" lliil. TODD HOSTETTER Account number ending in 1799 Important Information See your Cardmember Agreement. Your Cardmember Agreement contoins ()lithe 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, Sall 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 htips://discover.com/billingrights for a copy of this notice. Payments. You may pay all or part of your Account balonce at any time. However, you must pay at least the Minimum Payment Due by the Payment Dug Date. Send only, your payment and the bottom portion Qt this statement in the envelope provided. Do not send cosh. If you pay by check, you authorize us 10 use information on your check to make an electronic fund transfer from your account at the financial institution indicoted on your check or to process the payment ps check trpnsoction. If a payment is processed os on electronic fund transfer, the transfer will be for the amount of the check. When we use information from your check to make 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 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 os of the next day. If you hove misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197.6103.PIease ollow 7.10 days for delivery. If your payment is returned unpaid, we reserve the right 10 resubmit it as on electronic debit. Payments mode online or by phone will be credited as of the doy 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 con setup automatic payments through a customer service representative by calling 1-800-347-2683. Automatic payments for the biting 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 o recurring payment dote (e.g., the 15' doy of the month) that occurs before your Payment Due Date or Close 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 poyments 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 signoture, 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 011-800-347-2683 or by moil at Discover, PO Box 30421, Salt Lake City, UT 84130-0421; however, we must receive notice at least three business days in advance of the scheduled payment. If your poyments 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. CHANGE OF ADDRESS Open Date: Mor 28, 2013 - Close Date: Apr 27, 2013 Page 2 of 4 You must ensure that sufficient funds ore available in your bank account, and all tronsodions 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 Poyment Due. If the scheduled payment is greater thon 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 poyments after the Close Dole. 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: 1 Full Pay Li Min Pay _Min Pay+ S (. l Other AmountS ; Bank Routing #: Bank Account # Monthly on the !... Payment Due Date C( Close Dote Day of month (insert date) Credit Reporting. We may report information about your Account to credit bureous. Late poyments, 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 io 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 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 as of the later of the Transaction Dote or the first day of the billing period in which the tronsadion 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 overoge 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 low, 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 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 3iativi58 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 Mobile Access your Manage your account securely account anytime, at Discover.com anywhere at m.Discover.com Transactions Trans. Date Post Date Phone 1 -800 -DISCOVER (1-800-347-2683) TDD 1-800-347-7449 Discover More Card Account number ending in 1799 Open Date: Mar 28, 2013 - Close Dote: Apr 27, 2013 Page 3 of 4 Inquiry Mail Payments Discover Discover PO Box 30943 PO Box 6103 Salt Lake City Carol Stream UT 84130 IL 60197-6103 Fees Interest Charged Apr 22 Apr 22 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 $ $ 35.00 35.00 0.54 27.04 0.00 27.58 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 Role Information For You $ 70.00 105.56 ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO (APR) INTEREST RATE INTEREST CHARGE 17.99% V $35.26 S0.54 20.99% $1,516.58 527.04 For more information about how interest charges are calculated see your Cordmember Agreement or go to www.discover.com/interestcharges 30228758 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION TODD HOSTETTER Account number ending in 1799 Oen Dote: Mor 28, 2013 - Close Dote: Apr 27, 2013 Page 4 of 4 30228758 DISC VER ACCOUNT SUMMARY Previous Balance $1,601.12 Payments and Credits — $0.00 Purchases + $0.00 Balance Transfers + $0.00 Cash Advances + $0.00 Fees Charged + S35.00 Interest Charged + S27.68 New Balance S1,663.80 See Interest Charge Calculation section following the Transactions section for detailed APR information Credit Line $1,900 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. Contact Us Discover.com 1-800-347-2683 $236 $500 SO Make Check payable to Discover Please fold on the perforation below, detach and return with your payment Discover More Card Account number ending in 1799 Open Date: Apr 28, 2013- Close Date: May 27, 2013 Cardmember Since 2006 Page 1 of 4 PAYMENT INFORMATION New Balance Minimum Payment Due Payment Due Date ' Includes past due amount of: $1,663.80 $293.00 June 22, 2013 $210.00 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to poy 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 22.99% variable. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and 11 will take you longer to pay off your balance. For example: if you tta.b make ddatiotrtd clxarges using this coni and 00d1r4011141 yrtu:.pay.. Yo4 wiil pay of if {xi1000 3%taWl! bla; hft 4kitemeknt' o A�td you wtll ettd up poying.on estimekhctfoib1 Only the minimum payment 5 years 52,504 If 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 5 +S -5 $ Anniversary Month July 0.00 0.00 0.00 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Payment -Coupon Pleas* da not fold, €lip: er ato'ple: Pay Online bi$oraver.coal Pay by Phone 1-800447-2683 1�'lll1 1 11 I1�1 �1 il1'l1 TODD HOSTETTER 2101 PRINCETON AVE CAMP HILL PA 1 701 1-5445 302287'58i 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 000001986458480716022016638000199000029300 Account number ending in Minimum Payment Due $293.00 $1,663.80 June 22, 2013 1799 New Balance Payment Due Dote Amount enclosed PO BOX 71084 CHARLOTTE NC 28272-1084 S 11111 111; II11i1111 1111' 11: 111,1110,1111: ;: TODD HOSTETTER Account number ending in 1799 Important Information See your CardmemberAgreement. Your Cordmember 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 0 you think there is an error on your statement, write to us ot: Discover, PO Box 30421, Salt Loke City, UT 84130-0421. You must write to us within 60 days after the error oppeored on your statement. You may call us, but if you do we ore not required to investigate any potential errors, and you may hove to pay the amount in question. The Billing Rights Notice further explains your rights. Please see your Cordmember Agreement or visit https://discover.com/billingrights for o copy of this notice. Payments. You may pay all or part of your Account balance of any time. However, you must pay at least the Minimum Payment Due by the Payment Due Date. Send onlyyour payment and the bottom portion ot this statement in the envelope provided, Do not send cosh, If you pay by check, yoy us to use information on your check to make n electronic Lund transfer tromour account of the financial institution indicated on your check or to process the payment as a check transaction. If a payment is processed as an eledromc 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 moy be wdhdrawn 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 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 os of that day. Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day. If you hove misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197.6103.Pleose allow 7.10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it os an electronic debit. Payments made online or by phone will be credited os of the day of receipt if mode 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 stotement, or the next automatic payment date referred to on your statement, unless you request a recurring payment dole (e.g., the 15'tday of the month) that occurs before your Payment Due Dote or Close Date. If your scheduled payment dote falls on a weekend or bank holiday, your payment will be processed the business doy prior to the weekend or bonk 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 signoture, you will be agreeing to this authorization to allow us and your bonk to deduct each payment you authorize, in the amount selected by you, from your bonk account. You olso authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment. You con cancel a scheduled payment by phone at 1-800-347-2683 or by moil at Discover, PO Box 30421, Salt Lake City, UT 84130-0421; however, we must receive notice al 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:Apr 28,2013- Close Date: May 27,2013............................._......Page..2of4 You muss ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. low. You con set outomatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) Ctther 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 Poyment Due. If the scheduled payment is greater thon the Minimum Payment Due, any excess will be applied in accordance with your Cordmember Agreement. If your scheduled payment is greater thon the New Bolonce 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: L) Full Pay 0 Min Pay E Min Pay+ 5 1 Ocher AmountS ; Bank Routing #: Bonk Account # Monthly on the (._ Payment Due Dote LI Close Dote Day of month (insert dote) Credit Reporting. We may report information about your Account lo credit bureaus. Late payments, missed payments, or other defoults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting ogencies each month. 0 you believe that our report is inaccurate or incomplete, please write us at the following address: Discover, PO Box 15316, Wilmington, DE 19850-5316. Pleose 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 poy your entire bolonce by the due dote each month. We will begin charging interest on Cash 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 Bolonce Subject to Interest Rote. For more informotion, please call us of 1-800-347-2683. Balance Subject to Interest Rote. Your statement shows o Balance Subject to Interest Rate. It shows this for each transaction category. The Bolonce Subject to Interest Rote is the overoge of the daily balances during the billing period. Credit Balances. If your Account hos o credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed 10 you. You may make charges against this amount if your Account is open. We will send you o refund of any remaining bolonce of 51.00 or more after 6 months, or os otherwise required by applicable low, or upon request made io the address in the Contact Us section on page 3 of your billing statement. Discover moy monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® cord is issued by Discover Bank, Member FDIC. TL23N If correct on front, do not use. Please print clearly in blue or block ink, in the space provided. Street Address City t 3ag}58 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 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 1799 Open Date: Apr 28, 2013 - Close Date: May 27, 2013 Page 3 of 4 Inquiry Mail Payments Discover Discover PO Box 30943 PO Box 6103 Salt Lake City Carol Stream UT 84130 IL 60197-6103 Fees Interest Charged May 22 May 22 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 $ 35.00 35.00 1.05 26.63 0.00 27.68 2013 Totals Year -to -Date TOTAL FEES CHARGED IN 2013 $ TOTAL INTEREST CHARGED IN 2013 S 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 Rote Information For You 105.00 133.24 ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO (APR) INTEREST RATE INTEREST CHARGE 17.99% V $71.05 51.05 20.99% $1,543.41 $26.63 For more information about how interest charges are calculated see your Cardmember Agreement or go to www.discover.com/inierestcharges 30228758 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION TODD HOSTETTER Account number ending in 1799 Open Date: Apr 28, 2013 - Close Date: May 27, 2013 Page 4 of 4 30228758 DISC VER ACCOUNT SUMMARY Previous Balance 51,663.80 Payments and Credits — $0.00 Purchases + $0.00 Balance Transfers + 50.00 Cash Advances + $0.00 Fees Charged + 535.00 Interest Charged + 529.64 New Balance 51,728.44 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. Contact Us Discover.com 1-800-347-2683 51,900 $171 5500 50 Make Check payable to Discover Please fold on the perforation below, detach and return with your payment Discover More Card Account number ending in 1799 Open Dote: May 28, 2013- Close Date: Jun 27, 2013 Cardmember Since 2006 Page 1 of 4 PAYMENT INFORMATION New Balance Minimum Payment Due* Payment Due Date Includes past due amount of: $1,728.44 $378.00 July 22, 2013 $293.00 Late Payment Warning: If we do not receive your minimum payment by the dote listed above, you may have to poy a lute 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 22.99% variable. Minimum Payment Warning: If you make only the minimum payment each period, you will poy more in interest and it will take you longer to pay off your balance. For example: if'yott iloke tta` adds" iot,.t j; chotgts using tfiiscord and eoeh mcsnifi You pay,.: You wfll poy oft ff,4 bokime tht*M bn thts statement in about;.. And you vtii11 end up pPying cttr estim atectfgitil Only the minimum payment 5 years $2,543 1f you would like information about credit counseling services, call 1-800-347-1121. REWARDS Cashback Sonus® Opening Balance New Cashbock Bonus This Period Redeemed This Period Cashback Bonus Balance To learn more, log in at Discover.com S +S —5 Anniversary Month July 0.00 0.00 0.00 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Payment Coupon f'legse do not fold, clip &.staple:, Pay Online Pay by Phone 1Dtstavertcorr 1.$00-347-2683 111:11 IiI1'111111 1111111111,111 TODD HOSTETTER 2101 PRINCETON AVE CAMP HILL PA 17011-5445 11 11111111,1i111 1,11i 302287e5a Internet payments must be received by 5 PM ET to be credited os of the same day Address, e-mail or telephone changed? Note changes on reverse side 000001986458480716022017284400200000037800 Account number ending in 1799 Minimum Payment Due $378.00 New Balance $1,728.44 Payment Due Date July 22, 2013 .................................................................................. Amount enclosed $ PO BOX 71084 CHARLOTTE NC 28272-1084 11: 1111;11,111111:' 111111111111111 11:1111 1111111111111111: TODD HOSTETTER Account number ending„in Important Information See your Cardmember Agreement. Your Cord member Agreement contains oll the terms of your Account. Lost or stolen cords. 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, Soli Lake City, UT 84130.0421. You must write lo 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 moy hove to pay the amount in question. The Billing Rights Notice further explains your rights. Please see your Cordmember Agreement or visit https://discover.com/billingrights for o copy of this notice. Payments. You may pay all or port of your Account balance al onyy time. However, you must pay at leosi the Minimum Payment Due by the Pa menl Due Dote. Send only, your payment and the bottom portion ot this statement in the envelope provided. Do riot send cash. If you pay by check, you authorize us to use information on, your check lo make pn electronic fund tronster trom your account at the financial institution indicated on your check or to process the payment as a check transaction. If a payment is processed os on electronic fund transfer, the transfer will be for the amount of the check. When we use information from your check to make on electronic fund transfer, funds moy be withdrawn from your account as soon os the some doy 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 lo ony 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 ony day will be credited lo your Account as of that day. Payments received at our processing facility after 5PM local time will be credited lo 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.Pleose 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 os of the doy 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 o 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 stolement, or the next automatic payment date referred to on your statement, unless you request a recurring payment dale (e.g., the 15*day of the month) that occurs before your Poymeni Due Date or Close Dote. If your scheduled payment dote falls on a weekend or bank holidoy, your payment will be processed the business doy prior to the weekend or bank holiday. In order to schedule monthly poymenis 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 on error in the processing of such payment. You con cancel a scheduled payment by phone at 1-800-347-2683 or by mail ot Discover, PO Box 30421, Salt Lake City, UT 84130-0421; however, we must receive notice at least three business days in advance of the scheduled payment. If your payments moy vary in amount, we will tell you on each monthly billing statement when your payment will be mode and how much it will be. 799 Open Date: May 28, 2013. - Close Dote: Jun 27, 2013 CHANGE OF ADDRESS Page 2 of 4 Yov must ensure that sufficient funds ore available in your bank account, and all tronsodions must comply with U.S. low. You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Poymeni Due plus a fixed dollor 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 increosed to cover the Minimum Poyment Due. If the scheduled payment is greater than the Minimum Poyment 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 moy be less than the amount indicated on the billing statement based on credits or payments after the Close Dole. If you enroll by phone in our outomotic payment service, please fill-in the following blanks below and retain the authorization for your records. Amount: 1 Full Poy Min Pay U Min Pay+ 5 Cl Other AmountS Bank Account # Monthly on the Li Payment Due Date [.1 Close Date Li Day of month (insert date) ; Bank Routing #: 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 thot our report is inoccurote or incomplete, pleose write us ot the following address: Discover, PO Box 15316, Wilmington, DE 19850-5316. Please include your nome, address, home telephone number and Account number. Paying Interest. Your due dale 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 bolonce by the due dote 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 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 overage of the doily balances during the billing period. Credit Balances. If your Account hos o credit balance, the amount is shown on the front of your billing stolement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you o refund of ony remaining balance of 51.00 or more after 6 months, or os otherwise required by applicable low, or upon request mode to the address in the Contact Us section on page 3 of your billing statement. Discover rnoy monitor and/or record telephone calls between you and Discover representatives for quolity 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 Addre City 3e6658 Home Phone Work Phone Emoil 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. Dale Post Dale Phone 1 -800 -DISCOVER (1-800-347-2683) TDD 1-800-347-7449 Discover More Card Account number ending in 1799 Open Date: May 28, 2013 - Close Date: Jun 27, 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 Fees Interest Charged Jun 22 Jun 22 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 $ 35.00 35.00 1.64 28.00 0.00 29.64 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 Rote Information For You ANNUAL PERCENTAGE RATE (APR) 17.99% V 20.99% BALANCE SUBJECT TO INTEREST RATE $107.38 $1,570.72 $ 140.00 $ 162.88 INTEREST CHARGE S1.64 $28.00 For more information about how interest charges are calculated see your Cardmember Agreement or go to www.discover.com/inierestcharges 30228758 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION TODD HOSTETTER Account number ending in 1799 30228758 Open Date: May 28, 2013 - Close Dote: Jun 27, 2013 Page 4 of 4 DISC VER ACCOUNT SUMMARY Previous Balance 51,728.44 Payments and Credits — $0.00 Purchases + $0.00 Balance Transfers + $0.00 Cash Advances + 50.00 Fees Charged + 535.00 Interest Charged + 529.71 New Balance 51,793.15 See Interest Charge Calculation section following the Transactions section for detailed APR information Credit Line 51,900 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. Contact Us Discover.com 1-800-347-2683 50 5500 50 Moke Check payable to Discover Please fold on the perforation below, detach and return wrth your poyment Discover More Card Account number ending in 1799 Open Date: Jun 28, 2013- Close Date: Jul 27, 2013 Cardmember Since 2006 Page 1 of 4 PAYMENT INFORMATION New Balance Minimum Payment Due Payment Due Dote Includes post due amount of: $1,793.15 $463.00 August 22, 2013 $378.00 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 transodions moy be increased up to the Penalty APR of 22.99% 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 poy off your balance. For example: if yea makeo tsddttiotreI chanes using tl is tord.onc moth eooth : you.pay :,... _ I Yo will poy of f ffie i balance sli Mt on;fl is : staferienf u abouts,, • .end you will end ukt peying air esbmtstedf of,. l Only the minimum payment 5 years 52,587 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 5 +5 —5 Anniversary Month July 0.00 0.00 0.00 $ 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Payment tOUpon Peas da eat :fold,, flip dr staple. Pay Qnline. istpver colt I'Illi111 111lil 1111111ll lll11 X11 1111;'111'11 ;SII+ 11l TODD HOSTETTER 2101 PRINCETON AVE CAMP HILL PA 1 701 1-5445 302287e5a Internet payments must be received by 5PM ET to be credited os of the same day Address, e-mail or telephone changed? Note changes on reverse side Account number ending in Minimum Payment Due New Balance Payment Due Date .......................................................................................... Amount enclosed 1799 5463.00 $1,793.15 August 22, 2013 5 PO BOX 71084 CHARLOTTE NC 28272-1084 111 1 11. 1 11 1 ,111I11,11,1 000001986458480716022017931500320000046300 X11111' ,11111111d TODD HOSTETTERAccount number ending in 1799 Important Information See your Cardmember Agreement. Your Cordmember Agreement contains all the terms of your Account. Lost or stolen cords. Report immediotelyl Coll 1-800-347-2683. Whot 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 ot: 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 cull us, but if you do we are not required to investigate any potential errors, and you may hove to pay the amount in question. The Billing Rights Notice further explains your rights. Please see your Cordmember Agreement or visit https://discover.com/billingrights for o copy of this notice. Payments. You may pay all or part of your Account balance al an time. However, you must pay at least the Minimum Payment Due by the Poymens Due Dote. Send only, your payment and the bottom portion of this statement in the envelope provided. Do not send cosh. If you poy by check, you authorize us to use information on, your check to make Q electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as o check transodion. If payment is processed as on electronic fund transfer, the transfer will b 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 some doy we receive your payment, and you will not receive your check back from your financial institution. The processing of your payment may be delayed if you send cosh, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other fhon the one provided. Payments received in proper form ot our processing facility by 5PM local time on any day will be credited Io your Account os 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 Streom, IL 60197-6103.Pleose allow 7.10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an eledronic debit. Payments mode online or by phone will be credited os of the doy of receipt if mode by 5 PM Eastern time. You con poy your monthly Minimum Payment Due, or 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 dale (e.g., the 15*. doy of the month) that occurs before your Payment Due Dote or Close Dote. If your scheduled payment dote falls on a weekend or bank holiday, your payment will be processed the business doy prior to the weekend or bunk holiday. In order to schedule monthly payments by telephone, you will need this statement and your bunk 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. Yov also authorize us to initiate debit or credit entries to your bank account, as opplicoble, to correct on error in the processing of such payment. You con cancel o scheduled payment by phone of 1-800-347-2683 or by mail of Discover, PO Box 30421, Salt Loke City, UT 84130-0421; however, we must receive notice al least three business days in advance of the scheduled payment. If your poyments may vary in amount, we will tell you on each monthly billing statement when your poyment will be mode and how much it will be. CHANGE OF ADDRESS Open Date: Jun 28, 2013 - Close Dote: Jul 27, 2013 Page 2 of 4 You must ensure that sufficient funds are available in your bank account, and all transoctions must comply with U.S. low. You con set outomotic 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 thon the New Bolonce 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 ofter the Close Dote. If you enroll by phone in our outomotic payment service, please fill-in the following blanks below and retain the authorization for your records. Amount: :Full Pay [l Min Poy _Min Poy+ 5 r 1 Other AmountS ; Bank Routing #: Bank Account # Monthly on the '.i Payment Due Dote l...j Close Dote L 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 refleded in your credit report. We normally report the status and payment history of your Account to credit reporting ogencies each month. If you believe thoi 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 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 dote each month. We will begin charging interest on Cosh Advances and Bolonce Transfers as of the later of the Tronsodion 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 Bolonce Method (including current transactions) to calculate the Balance Subject to Interest Rote. For more information, please call us of 1-800-347-2683. Balance Subject to Interest Rate. Your statement shows o Balance Subject to Interest Rote. It shows this for each transaction category. The Balance Subject to Interest Rate is the overage of the daily balances during the billing period. Credit Balances. If your Account hos o credit balance, the amount is shown on the front of your billing statement. A 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 51.00 or more after 6 months, or os otherwise required by opplicoble low, or upon request mode to the oddress in the Contact Us section on pope 3 of your billing stotement. Discover may monitor and/or record telephone calls between you and Discover representatives for quolity assurance purposes. The Discover® cord 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. 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 al Discover.com Transactions • Mobile Monage 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 1799 Open Dote: Jun 28, 2013 - Close Date: Jul 27, 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 Fees Interest Charged Jul 22 Jul 22 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 5 5 35.00 35.00 2.13 27.58 0.00 29.71 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 Rote Information For You ANNUAL PERCENTAGE RATE (APR) 17.99% V 20.99% BALANCE SUBJECT TO INTEREST RATE $144.26 $1,598.50 $ $ 175.00 192.59 INTEREST CHARGE 52.13 $27.58 For more information about how interest charges are calculated see your Cardmember Agreement or go to www.discover.com/interestcharges 30228758 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION TODD HOSTETTER Account number ending in 1799 30228758 Open Date: Jun 28, 2013 - Close Dote: Jul 27, 2013 Page 4 of 4 DISC VER ACCOUNT SUMMARY Previous Balance $1,793.15 Payments and Credits — 50.00 Purchases + $0.00 Balance Transfers + $0.00 Cosh Advances + $0.00 Fees Charged + 535.00 Interest Charged + $31.78 New Balance 51,859.93 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 ovoid interest on Purchases. See reverse for details. Contact Us Discover.com 1-800-347-2683 51,900 50 $500 50 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:OOpm ET for same day posting. Make Check payable to Discover Please fold on the perforation below, detach and return wrth your payment Discover More Card Account number ending in 1799 Open Date: Jul 28, 2013- Close Date: Aug 27, 2013 Cardmember Since 2006 PAYMENT INFORMATION New Balance Minimum Payment Due' Payment Due Date Includes past due amount of: Page 1 of 4 $1,859.93 $550.00 September 22, 2013 $463.00 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 22.99% variable. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and 11 will take you longer 10 pay off your balance. For example: if ypb tttoke tit trrldtttotrctt charges this cord and cath Ynontlt Pciy..: YOU will pay ofHht3 balance thaw4 o4 ;eltt3 s"tOfea i:tvtt gbOtlfi:.. diad yoo, wdlend up ppying on estimcfed'lattti of.. I Only the minimum poyment 5 years 52,632 If you would like information about credit counseling services, call 1-800-347-1121. REWARDS Cashback Bonus® Opening Balance New Cashbock Bonus This Period Redeemed This Period Cashback Bonus Balance To learn more, log in at Discover.com s +5 _s Anniversary Month July 0.00 0.00 0.00 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Payment Coupon Please do not ford, ,Clip: or atople. Pay Online. Dtstover tom Pay by Phone: 1,8C047-2683 I I II 11 I II,:'1 1 iillllli 'ill'lill TODD HOSTETTER 2101 PRINCETON AVE CAMP HILL PA 17011-5445 '�I"I'lil�l 111 302287ea81 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 Minimum Payment Due 1799} $550.00 New Balance Payment Due Date Amount enclosed $1,859.93 September 22, 2013 5 PO BOX 71084 CHARLOTTE NC 28272-1084 000001986458480716022018599300220000055000 Ilil'I'��I" TODD HOSTEUER_..........._..._........_................................._Account number ending in 1799 Important Information See your CardmemberAgreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cords. 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 an error on your statement, write to us at: Discover, PO Box 30421, Salt Lake City, UT 84130.0421. You must write lo us within 60 days after the error appeared on your statement. You may cull us, but if you do we are not required to investigate ony potential errors, and you moy hove to pay the amount in question. The Billing Rights Notice further exploins your rights. Please see your Cardmember Agreement or visit https://discover.com/billingrights for a copy of this notice. Payments. You moy pay all or part of your Account balance of on time. However, you must pay at least the Minimum Payment Due by the any Due Date. Send onlyyour ppoyment and the bottom portion of this statement in the envelope provided. 00 not send cash. If you pay by check, you authorizeus to use information on your check to make an electronic fund transfer rom your account ai the financial institution indicated on your check or io process the payment as o check transaction. If a payment is processed os on electronic fundtrggnsfer, the transfer will be for the amount of the check. When we use information from your check to make on electronic fund transfer, funds moy be withdrawn from your account as soon os the some day we receive your payment, and you will not receive your check back from your fiinanciol institution. The processing of your payment moy be deloyed 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 tocol time on ony doy will be credited lo your Account os of !hot day. Poyments received at our processing facility after 5PM tocol time will be credited to your Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197.6103.Pleose ollow 7-10 doys for delivery. If your payment is returned unpaid, we reserve the right io resubmit it as an electronic debit. Payments made online or by phone will be credited as of the doy of receipt if made by 5 PM Eastern time. You con pay your monthly Minimum Payment Due, or a greoter 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 Poyment 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 156' doy of the month) that occurs before your Poymeni Due Date or Close Dote. If your scheduled payment dote falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account 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 bonk account. You also authorize us to initiate debit or credit entries to your bonk account, as applicable, to correct an error in the processing of such payment. You can cancel o scheduled payment by phone at 1-800-347-2683 or by moil at Discover, PO Box 30421, Salt Lake City, UT 84130-0421; however, we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on eoch monthly billing statement when your payment will be mode and how much it will be. CHANGE OF ADDRESS Open Dot e:...:�u! 28, 4013...'...Close Date. Aug..27,2013............................_....._Page 2 of 4. You must ensure that sufficient funds are available in your bunk account, and all transactions must comply with U.S. low. You can set automatic payments for: (i) statement New Bolonce, (ii) statement Minimum Payment Due, (iii) statement Minimum Poymeni 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 Poyment Due. If the scheduled payment is greater than the Minimum Payment Due, ony excess will be applied in accordance with your Cardmember Agreement. If your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the billing statement based on credits or poyments after the Close Dole. 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: _s Full Poy LiMin Poy UMin Poy+ 5 Other AmountS ; Bonk Routing #: Bank Account # Monthly on the f._' Payment Due Dote L._l Close Date Day of month (insert date) Credit Reporting. We may report information about your Account to credit bureous. 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 of 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 ony interest on Purchases if you pay your entire balance by the due dale 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 toll us of 1-800-347-2683. Balance Subject to Interest Rate. Your statement shows o Balance Subject to Interest Rote. It shows this for each transaction cotegory. The Balance Subject to Interest Rate is the averoge of the daily balances during the billing period. Credit Balances. If your Account hos o credit balance, the amount is shown on the front of your billing statement. A 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 bolonce of 51.00 or more otter 6 months, or os otherwise required by opplicoble low, or upon request made to the address in the Contact Us section on poge 3 of your billing statement. 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. TL23N If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Street Address Horne Phone I Work Phone Email To make changes to your address, email or telephone number, visit Discover.com Continued on next poge 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 1799 Open Date: Jul 28, 2013 - Close Date: Aug 27, 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 Fees Interest Charged Aug 22 Aug 22 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 $ 5 35.00 35.00 2.78 29.00 0.00 31.78 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 Rote Information For You ANNUAL PERCENTAGE RATE (APR) 17.99% V 20.99% BALANCE SUBJECT TO INTEREST RATE $181.70 $1,626.78 s 210.00 224.37 INTEREST CHARGE 52.78 529.00 For more information about how interest charges ore calculated see your Cardmember Agreement or go to www.discover.com/interestcharges 30228758 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION TODD HOSTETTER Account number ending in 1799 30228758 Open Dote: Jul 28, 2013 -_ Close Dole: Aug „27, 2013 Page..4 of 4 DISCOVER' ACCOUNT SUMMARY Previous Balance $1,859.93 Payments and Credits — $0.00 Purchases + $0.00 Balance Transfers + $0.00 Cash Advances + $0.00 Fees Charged + $35.00 Interest Charged + $32.88 New Balance $1,927.81 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. $1,900 $0 $500 $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 S27.81. Make Check payable to Discover. Please fold on the perforation below, detach and return with your payment. Discover More Card Account number ending in 1799 Open Date: Aug 28, 2013- Close Date: Sep 27, 2013 Cardmember Since 2006 Page 1 of 4 PAYMENT INFORMATION New Balance Minimum Payment Due' Payment Due Date • Includes post due amount of: $1,927.81 $638.00 October 22, 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 lo $35.00 and your purchase and balance transfer APRs for new transections may be increased up to the Penalty APR of 22.99% 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;addihono! charges using: this card and each tr onth YY You wdl payoff the balance shown on ibis statementn about,.. Anyf'}rou wilt end 41:r. Aging an esfirriat k Only the minimum payment 5 years $2,676 If 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 July $ 0.00 + $ 0.00 — $ 0.00 $ 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Payment Coupon Please db nat laid; cid ar staple,• Pay Online Discover.com Pay by' Phone 1=800-347.2688 11111II'I'1'll'1111111111 X11111111111111111 ,1,111"III TODD HOSTETTER 2101 PRINCETON AVE CAMP HILL PA 1 701 1-5445 302287e581 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. 00000198645848071602201927810032❑000063800 Account number ending in 1799 Minimum Payment Due $638.00 New Balance $1,927.81 Payment Due Date Amount enclosed October 22, 2013 $ PO BOX 71084 CHARLOTTE NC 28272-1084 1111"111111'II'III IIII' III111'11111"IIII1 h111111,1111111, TODD HOSTEI U R Account number ending in 1799 Important Information See your Cardmember Agreement. Your Cordmember 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 an error on your statement, write to us at: Discover, PO Box 30421, Salt Lake City, UT 84130.0421. You must write lo 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 moy have to pay the amount in question. The Billing Rights Notice further explains your rights. Please see your Cordmember Agreement or visit https://discover.com/billingrighis for o copy of this notice. Payments. You may pay all or port of your Account boloncg of any time. However, you must pay at least the Minimum Payment Due by the Poyment Due Dote. Send only/our payment and the bottom portion of this statement in the envelope proyicjed. Do not send cash. If you pay by check, yoy authorize us to use inttormation on your check to make an electronic fund transfer trom your account at the financial institution indicated on your check or to process the payment ps a check transaction. If o payment is processed as on electronic fund transfer, the transter will be for the amount of the check. When we use information from your check to make on electronic fund transfer, funds may be wiithdrown 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 cosh, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day. Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day. If you hove misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197.6103. Please allow 7-10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it os an electronic debit. Payments mode online or by phone will be credited os 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 bi ling period shown on your statement will be deducted on the Poyment 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 Dote. If your scheduled payment dote falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account 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 on error in the processing of such payment. You con cancel a scheduled payment by phone at 1-800-347-2683 or by moil at Discover, PO Box 30421, Salt Lake City, UT 84130-0421; however, we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be. CHANGE OF ADDRESS Open Date: Aug 28, 2013 - Close Date: Sep 27, 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 can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus o fixed dollar amount, or (iv) Other dollar amount. If your scheduled "Other dollor 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: ❑ Full Pay ❑ Min Pay ❑ Min Pay+ $ , ❑ Other Amount$ ; Bank Routing #: Bank Account # • Monthly on the ❑ Poyment Due Dale ❑ 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 normolly report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at the following address: Discover, PO Box 15316, Wilmington, DE 19850-5316. 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 balonce 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 overage of the daily balances during the billing period. Credit Balances. If your Account has o credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed 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 Contoct Us section on page 3 of your billing statement. Discover may monitor and/or record telephone calls between you and Discover representatives for quolity ossuronce purposes. The Discover® cord 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 3iaiT58 Home Phone Work Phone Email To make changes to your address, email or telephone number, visit Discover.com Continued on next page DISCOVER* CONTACT US Discover More Card Account number ending in 1799 Open Date: Aug 28, 2013 - Close Date: Sep 27, 2013 Page 3 of 4 O 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 Sep 22 Sep 22 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 3.36 29.52 0.00 32.88 2013 Totals Year -to -Date TOTAL FEES CHARGED IN 2013 TOTAL INTEREST CHARGED IN 2013 $ 245.00 $ 257.25 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=Vorioble Rote ANNUAL PERCENTAGE RATE (APR) 17.99% V 20.99% BALANCE SUBJECT TO INTEREST RATE $219.76 $1,656.03 INTEREST CHARGE $3.36 $29.52 Information For You For more information about how interest charges are calculated see your Cordmember Agreement or go to www.discover.com/interestcharges 30228758 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION TODD HOSTETTER Account number ending in 1799 Open Date: Aug 28, 2013 - Close Date: Sep 27, 2013 Page 4 of 4 30228758 DISC'''. VER ACCOUNT SUMMARY ( Previous Balance $1,859.93 I Payments and Credits — $0.00 Purchases + $0.00 Balance Transfers + $0.00 Cosh Advances + $0.00 Fees Charged + S35.00 Interest Charged + 532.88 New Balance 51,927.81 See Interest Charge Calculation section following the Transactions section for detailed APR information Credit Line S1,900 Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available You may be able to ovoid interest on Purchases. See reverse for details. Contact Us Discover.com 1-800-347-2683 SO S500 SO Please make check payable to Discover. You ore overlimit. Pay the sum of the Minimum Payment Due plus the remaining overlimit amount of S27.81. Make Check payable to Discover. Please fold on the perforation below, detach and return with your payment. Discover More Card Account number ending in 1799 Open Date: Aug 28, 2013- Close Date: Sep 27, 2013 Cardmember Since 2006 Page 1 of 4 PAYMENT INFORMATION New Balance Minimum Payment Due * Payment Due Date • Includes past due amount of: $1,927.81 $638.00 October 22, 2013 $550.00 Lote 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 22.99% variable. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and ii will take you longer to pay off your balance. For example: 1f `oil tnake ttd iddihonq[;cltatges using tf s carcl ,00, np ;pita y ,� _.:..> . ;,�,y <. , s: Yott Yrtllt off fhgr bcd6nst s* onfhi� wsfytfiem�nt-'itt ct�out, .,,,.. Atid yali ri Uri up' t r :.. paytrigt+ eshm d Cgto . Only the minimum payment 5 years $2,676 If 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 July 5 0.00 + $ 0.00 $ 0.00 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION � � �I I'�i;nlill; l,l ill nll 111 111IIlllll 111i 1( 1 11:Ill TODD HOSTETTER 2101 PRINCETON AVE CAMP HILL PA 1 701 1-5445 30228Z58t 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. 000001986458480716022019278100320000063800 Account number ending in Minimum Payment Due 1799 S638.00 New Balance Payment Due Date Amount enclosed $1,927.81 October 22, 2013 5 PO BOX 71084 CHARLOTTE NC 28272-1084 ��:Il:ll;l1Ili l �I'' 111i 111111 hili 1,11 TODD HOSTETTER Account number ending in 1799 Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediotelyl 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, Soli Loke City, UT 84130-0421. You must write 10 us within 60 days after the error appeared on your statement. You may cull us, but if you do we are not required to investigate ony potential errors, and you may have to pay the amount in question. The Billing Rights Notice further explains your rights. Please see your Cordmember Agreement or visit hops://discover.com/billingrighis for a copy of this notice. Payments. You may pay all or part of your Account bolonce at anyytime. However, you must pay at least the Minimum Payment Due by the Pa mens Due Date. Send only, your poyment and the bottom portion of this statement in tie envelope provided. Uo not send cosh, If youay by check, yoy out us to use information on your check to make 4n electronic fund transfer trom your occount of the financial institution indicated on your check or to process the payment Qs o check transaction. It a payment is processed os an electronic fundtrpnster, the transfer will be for the amount of the check. When we use information from your check to make on electronic fund tronsrter, funds may be withdrawn from your occount as soon os the some day we receive your payment, and you will not receive your check bock trom your financial institution. The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment lo ony 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 ony day will be credited lo your Account us of Ihot 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 made online or by phone will be credited os of the day of receipt if mode by 5 PM Eastern time. You con poy your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account bolonce, over the telephone or you can setup outomatic 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 stotement, or the next automatic payment date referred to on your stotement, unless you request a recurring payment date (e.g., the 15'x° day of the month) that occurs before your Payment Due Dole or Close Dote. 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 bunk 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 os 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 occount. You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct on error in the processing of such payment. You can cancel a scheduled poyment by phone 011-800-347-2683 or by moil at Discover, PO Box 30421, Salt Loke City, UT 84130-0421; however, we must receive notice at least three business days in odvonce of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly billing stotement when your payment will be made and how much it will be. CHANGE OF ADDRESS Open Dote: Aug 28, 2,013 - Close Dote: Sep 27, 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 con set outomotic 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 Bolance 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 poyments after the Close Dote. If you enroll by phone in our automatic poyment service, pleose fill-in the following blonks below and retain the authorization for your records. Amount: Full Poy n Min Pay ! iI Min Pay+ 5 Other AmouniS ; Bank Routing #: Bonk Account # Monthly on the . Payment Due Date j...1Close Dote L Day of month (insert dote) Credit Reporting. We may report information about your Account io 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 ogencies 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 doys after the close of each billing period (at least 23 days for billing periods that begin in February). We will not charge you any interest on Purchases if you pay your entire bolonce by the due dote each month. We will begin charging interest on Cash Advances and Bolance 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 Rote. For more informoiion, please call us at 1-800-347-2683. Balance Subject to Interest Rate. Your stotement shows a Balance Subject to Interest Role. 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 bolonce, 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 51.00 or more offer 6 months, or os otherwise required by applicable low, 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@ cord 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 3eb58 _.. 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 al 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 1799 Open Date: Aug 28, 2013 - Close Date: Sep 27, 2013 Page 3 of 4 lnqui ry Discover PO Box 30943 Salt Lake City UT 84130 Mail Payments Discover PO Box 6103 Carol Stream 11 60197-6103 Fees Interest Charged Sep 22 Sep 22 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 S 5 35.00 35.00 3.36 29.52 0.00 32.88 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 rote on your account. Current Billing Period: 31 days TYPE OF BALANCE Purchases Cash Advances V=Variable Rate Information For You ANNUAL PERCENTAGE RATE (APR) 17.99% V 20.99% BALANCE SUBJECT TO INTEREST RATE $219.76 $1,656.03 $ S 245.00 257.25 INTEREST CHARGE 53.36 529.52 For more information about how interest charges are calculated see your Cardmember Agreement or go to www.discover.com/interestcharges 30228758 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION TODD HOSTETTER Account number ending in 1799 30228758 Open Date Aug 28, 2013....-._ Close Dote: Sep 27, 2013 ...................................._Page 4 of 4 DISC VER ACCOUNT SUMMARY Previous Balance S1,859.93 Payments and Credits. $0.00 Purchases $0.00 Balance Transfers 50.00 Cosh Advances 50.00 Fees Charged 535.00 Interest Charged 532.88 New Balance S1,927.81 See Interest Charge Calculation section following the Transactions section for detailed APR information Credit Line 51,900 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. 50 $500 50 Discover More Card Account number ending in 1 799 Open Date: Aug 28, 2013- Close Date: Sep 27, 2013 Cardmember Since 2006 PAYMENT INFORMATION New Balance Page 1 of 4 Minimum Payment Due * Payment Due Date Includes past due amount of: $1,927.81 $638.00 Odober 22, 2013 5550.00 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 $35.00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 22.99% variable. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: Ifro OcAP IKF chtrges msi% :ih4ttiM uric! 0(0 rfIoetfl YOu wiljpcktpfitifi k'.0:10000 trhOW4 04 ittitortior44 , poyirlorte$fitoolodloitil Only ihe minimum payment 5 years 52,676 If you would like information about credit counseling services, call 1-800-347-1121. REWARDS Contact Us Discover.com Cashback Bonus® 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 527.81. Anniversary Month July - I Opening Balance 5 0.00 New Cashback Bonus This Period + 5 0.00 Redeemed This Period — 0.00 Cashback Bonus Balance 0.00 Make Check payable to Discover Please fold on the perforation below, detach and return with your payment ( To learn more, log in at Discover.com NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Payment Coupon Pay Online Maas*d ri6tfold, clip or stoofe, bist6ventorn Pay,by Phone 1-800-3,47-260 1111111i, 1 1.1 1111111111111 1111111 L1111111111111111 1:11111111 TODD HOSTETTER 2101 PRINCETON AVE CAMP HILL PA 17011-5445 302287.5a 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 Minimum Payment Due New Balance $1,927.81 Payment Due Date October 22, 2013 Amount enclosed 1799 5638.00 PO BOX 71084 CHARLOTTE NC 28272-1084 illiii,111111,11'1111111h11111,1'11111,,m11111:1111'1,1111 000001986458480716022019278100320000063800 TODD HOSTETTER Account number ending in 1799 Important Information See your Cardmember Agreement. Your Cardmember Agreement contains oll the terms of your Account. Lost or stolen cords. 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 io us ot: Discover, PO Box 30421, Sall Lake City, UT 84130-0421. You must write to us within 60 days ofter 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 hove to pay the amount in question. The Billing Rights Notice further exploins your rights. Please see your Cordmember Agreement or visit haps://discover.com/billingrighis for o copy of this notice. Payments. You moy pay all or part of your Account balance al an yy time. However, you must pay at least the Minimum Payment Due by the Pa ment Due Dote. Send only your payment and the bottom portion qt 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 ironsfer trom your account of the financial institution indicated on your check or io process the payments a check transaction. Ifo payment is processed as on electronic fund transfer, the transfer will be for the amount of the check. When we use informotion from your check to make on eledronic fund transfer, funds may be withdrawn from your account as soon as the some day we receive your payment, and you will not receive your check back from your financial institution. The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided. Poyments received in proper form of our processing focility by 5PM local time on any day will be credited to your Account os of that day. Payments received at our processing focility 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, Corot 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. Payments made online or by phone will be credited as of the doy 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 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 Dote. If your scheduled payment dote falls on a weekend or bank holiday, your poyment will be processed the business doy prior to the weekend or bank holiday. In order io schedule monthly poyrnents 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 os your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct eoch payment you authorize, in the amount selected by you, from your bank account. You also authorize us to initiate debit or credit entries to your bank account, os applicable, to correct on error in the processing of such payment. You can cancel a scheduled payment by phone at 1-800-347-2683 or by mail of Discover, PO Box 30421, Soli Lake City, UT 84130-0421; however, we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be mode and how much it will be. CHANGE OF ADDRESS Open Dote: Aug 28, 2013 - Close Dote: Sep 27, 201 f'age2of4 You must ensure that sufficient funds ore avoiloble 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 thon the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. If your scheduled payment is greater than the New Bolonce 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 Pay Min Poy [ Min Poy+ 5 1 Other Amounts ; Bank Routing #: Bank Account # Monthly on the '.a Payment Due Dote L.]Close Dote Day of month (insert dole) 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. Pleose include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days offer the close of each billing period (at least 23 doys for billing periods that begin in February). We will not charge you any interest on Purchoses if you pay your entire balance by the due dote eoch month. We will begin charging interest on Cosh Advances and Balance Transfers as of the later of the Tronsaction 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 tronsodions) 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 Sperubjiod.ect to Interest Rate is the overage of the doily balances during the billing Credit Balances. If your Account has o credit balance, the amount is shown on the front of your billing statement. A credit bolonce is money that is owed to yov. You moy make chorges against this amount if your Account is open. We will send you o refund of any remaining balance of 51.00 or more offer 6 months, or as otherwise required by applicable low, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Discover may monitor and/or record telephone calls between you and Discover representatives for 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. To make changes to your address, email or telephone number, visit Discover.com J Continued on nest page DISC VER CONTACT US Web Access your account securely at Discover.com Transactions Mobile Manage your account anytime, anywhere of 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 1799 Open Dote: Aug 28, 2013 - Close Date: Sep 27, 2013 Page 3 of 4 Inquiry Mail Payments Discover Discover PO Box 30943 PO Box 6103 Salt Lake City Carol Stream UT 84130 IL 60197-6103 Fees Interest Charged Sep 22 Sep 22 LATE FEE TOTAL FEES FOR THIS PERIOD INTEREST CHARGE ori PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD $ 5 35.00 35.00 3.36 29.52 0.00 32.88 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 rale on your account. Current Billing Period: 31 days TYPE OF BALANCE Purchases Cash Advances V=Variable Rote Information For You $ 245.00 257.25 ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO (APR) INTEREST RATE INTEREST CHARGE 17.99% V $219.76 53.36 20.99% $1,656.03 S29.52 For more information about how interest charges are calculated see your Cardmember Agreement or go to www.discover.com/interestcharges 30228758 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION TODD HOSTETTER Account number ending in 1799 30228758 Open Date: _Aug ..2.8, 2013 -Close Date: Sep 27, 2019 Page. 4 of 4 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 wit 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 biting periods. Otherwise, the fee is $35. This fee wit 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 wit 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 S5 for each copy of a biting statement or sales slip that you request. We will not charge this fee if you request copies in connection with a billing dispute. -1- ©2010 Discover Bank, Member FDIC ANNUAL 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 any time. Each billing period you must pay at least the Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be any amount past due plus the greater of: • S40; • 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 S20. 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 andlor any third party. At our request, you agree to provide this assignment in writing. Automatic Billing Arrangements You may set up automatic billing with a merchant. If your Account number or Card expiration date changes, you authorize us to provide this updated information to any such merchant at our discretion. You must contact the merchant directly if you wish to stop automatic billing. Our Privacy Policy We send you our Privacy Policy when you open your Account and annually. Contact us or visit Discover.com if you would like a copy. Please read it carefully. It summarizes: • the personal information we collect; • how we safeguard its confidentiality and security; • when it may be shared with others; and • how you can limit our sharing of this information. Reporting to Credit Reporting Agencies We may from time to time review your credit, employment and income records. We may report the status and payment history of your Account to credit reporting agencies and other creditors, We normally report to credit reporting agencies each month. If you believe that information we reported is inaccurate or incomplete, please write us at Discover, PO Box 15316, Wilmington, DE 19850-5316. Please include your name, address, home phone number and Account number. Our Communications with You You agree that our personnel may listen to or record phone calls between you and our representatives without additional notice to you including calls we make to collect debts. We may use any medium permitted by law including mail, live telephone calls, automated telephone equipment, prerecorded telephone calls, e-mail, text messages and calls to your cell phone (which may be at your expense) to contact you about your Account or to offer you products or services that may be of value to you. If you prefer not to be contacted in one or more of these ways, you must either call us at 1 -800 -DISCOVER (1-800-347-2683) or write to us at Discover, PO Box 30961, Salt Lake City, UT 84130-0961. Please include your name, address and Account number, Unauthorized Use You must notify us immediately if: • your Card is lost or stolen; or • you believe someone is using your Account or a Card without your permission. Cancellation of 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, to file a claim or for other information, please contact: • AAA at 335 Madison Ave., Floor 10, New York, NY 10017-5905, www.adr.org (phone 1-800-778-7879) or • JAMS at 620 Eighth Ave., Floor 34, New York, NY 10018, www.jamsadr.com (phone 1-800-352-5267). If both AAA and JAMS are completely unavailable, and if you and we cannot agree on a substitute, then either you or we may request that a court appoint a substitute. Fees and Costs. If you wish to begin an arbitration against us but you cannot afford to pay the organization's or arbitrator's costs, we will pay those costs if you ask us in writing. Any request like this should be sent to Discover, PO Box 30421, 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: • dosing of your Account; • voluntary payment of your Account or any part of it; • any legal proceedings to collect money you owe; • any bankruptcy by you; and • any sale by us of your Account. You May Have the Right to Reject Arbitration. You may reject the Arbitration of Disputes section but only if we receive from you a written notice of rejection within 30 days of your receipt of the Card. You must send the notice of rejection to: Discover, PO Box 30938, Salt Lake City, UT 84130-0938. Your rejection notice must include your name, address, phone number, Account number and personal signature. No one else may sign the rejection notice for you. Your rejection notice also must not be sent with any other correspondence. However, if you previously had the chance to reject an arbitration agreement with us but did not, you may not reject it now. Rejection of arbitration will not affect your other rights or responsibilities under this Agreement or your obligation to arbitrate disputes under any other account as to which you and we have agreed to arbitrate disputes. If you once sent us a rejection notice on a different account or card, you must send us a new rejection notice or else this arbitration agreement will apply to any disputes with us relating to your other accounts or cards. Your Billing Rights: Keep This Document For Future Use This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. What To Do If You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at: Discover PO Box 30421 Salt Lake City, UT 84130-0421. In your letter, give us the following information: • Account information: Your name and account number. • Dollar amount: The dollar amount of the suspected error. • Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us: • Within 60 days after the error appeared on your statement. • At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. You must notify us of any potential errors in writing. You may call us, but 4 you do we are not required to investigate any potential errors and you may have to pay the amount in question. What Will Happen After We Receive Your Letter When we receive your letter, we must do two things: 1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. While we investigate whether or not there has been an error: • We cannot try to collect the amount in question, or report you as delinquent on that amount. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. • While you do not have to pay the amount in question, you are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit. After we finish our investigation, one of two things will happen: • If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. • If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent 0 you do not pay the amount we think you owe. If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct. Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you 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. DESCRIPTION OF COVERAGE SCHEDULED AIR TRAVEL Discover® Cardmembers are provided with $500,000 Scheduled Air Travel Accident Insurance against Accidental Loss of Life arising ACCIDENT INSURANCE from and occurring on a Covered Trip while you, your Spouse, Domestic Partner or eligible Dependent Children for whom a ticket was purchased with your Discover card are riding as a passenger in or entering, exiting or being struck by a Scheduled Aircraft. SECONDARY RENTAL CAR COLLISION Discover® Cardmembers can benefit from the security and safety offered through Excess Collision Damage Waiver. If you rent a COVERAGE vehicle for 31 consecutive days or less (or 45 days under certain circumstances) with your Discover card, you may be eligible for benefits under this coverage. 24/7 TRAVEL ASSISTANCE 24/7 Travel Assistance provides Cardmembers and their families a wide range of free travel assistance benefits. For more information and a description of these plans, features, benefits, definitions, exclusions, and information on how to file a claim, please go to Discover.com/mybenefits or call 1 -800 -DISCOVER (1-800-347-2683). -6 - (Name) dM - VERIFICATION %1,� (Title) 441/,(#.69/A -fl 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. D,t4se,Daor/ WWR# 30228758 Todd Hostetter Account No.: XXXXXXXXXXXX1799 (Si DB Servicing Corporation servicing affiliate For Discover Bank CERTIFICATE OF SERVICE A true and correct copy o U.S. Mail, Postage Pre -Paid, on Robert Klingensmith, Esquire 209 West Patriot Street Somerset, PA 15501 within P day of s Amended Complaint has been served by , 2014 upon the following: By: Matthew D. Urban, Esquire IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DISCOVER BANK Plaintiff CIVIL ACTION -LAW v. NO: 14-555 Civil PRELIMINARY OBJECTIONS TODD HOSTETTER TO AMENDED COMPLAINT Defendant Filed on Behalf of Defendant: TODD HOSTETTER Counsel of Record: Robert D. Klingensmith, Esquire PA I.D. # 313960 HAROLD SHEPLEY & ASSOCIATES, LLC 209 West Patriot Street Somerset, PA 15501 (814) 444-0500 (814) 444-0600 (fax) rklingensmith@shepleylaw.com y�c IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DISCOVER BANK Plaintiff CIVIL ACTION -LAW v. NO: 14-555 Civil TODD HOSTETTER Defendant DEFENDANT'S PRELIMINARY OBJECTIONS PURSUANT TO PA.R.C.P. 1028 AND NOW, comes the Defendant, Todd Hostetter, by and through his attorney, Robert D. Klingensmith, Esquire, from the law firm of Harold Shepley & Associates, LLC, and files the following Preliminary Objections to Plaintiff's Amended Complaint: Objection 1 1. Plaintiff filed an Amended Complaint in Civil Action against Defendant demanding damages. 2. DB Servicing is not a party to the lawsuit. 3. DB Servicing has no relationship to the alleged account and was not the party who allegedly contracted with the Defendant on an alleged account. 4. DB Servicing has no claim against the Defendant. 5. Furthermore, an employee of DB Servicing signed the verification in this matter. 6. Plaintiff's Complaint does not conform to law or rule of court under Pa.R.C.P. 1028(a)(2) because the verification is not signed by a proper party to the lawsuit. 7. An employee of DB Servicing is not a proper party to sign the verification. DB Servicing is in effect acting as a collection company for the Plaintiff. If they are to sign the verification, they must include a bill of sale or proof of assignment from the Plaintiff. No such proof exists. 8. Pa.R.C.P. 1024 requires that the verification of the Complaint be signed by a proper party to the lawsuit. 9. Here, the Complaint is verified by an employee of DB Servicing Corporation. 10. DB Servicing Corporation has no interest in the action and is not a proper party. 11. DB Servicing Corporation's verification does not set forth an exception to the rule. 12. Therefore, Plaintiff's Complaint is not verified by a proper party to the action as required under Pa.R.C.P. 1024 and therefore does not comply with law or rule of court as governed by Pa.R.C.P. 1028(a)(2). WHEREFORE, Defendant respectfully requests that the Plaintiff's Complaint be stricken and a proper verification be required in Plaintiff's Amended Complaint or the action be dismissed with prejudice. Objection 2 13. Plaintiff's Complaint fails to conform to law or rule of court under PA.R.C.P. 1028(a)(2). 14. PA.R.C.P. 1024(b) requires that when a pleading contains averments which are inconsistent in fact, the verification shall state that the signer has been unable after reasonable investigation to ascertain which of the inconsistent averments, specifying them, are true but that the signer has knowledge or information sufficient to form a belief that one of them is true. 15. By pleading in their Complaint a breach of contract theory in Count 1 and then subsequently pleading in their Complaint unjust enrichment in Count 2 the Plaintiff has plead inconsistent averments of facts. 16. By filing a Complaint under a breach of contract theory, Plaintiff alleges that the Defendant had a written or expressed contract with the Plaintiff. 17. A claim for unjust enrichment is inapplicable when the relationship between the parties is founded upon a written agreement or express contract containing terms which govern the contractual relationship with the Plaintiff. See: Wilson Area School District v. Skepton, 586 Pa. 513 (2006). 18. By pleading unjust enrichment in the alternative, the Plaintiff is relying on an equitable remedy not founded on a writing and must attach a verification that conforms with PA.R.C.P. 1024(b). See: Bowers v. Bon Ton Foods, Inc., 58 Pa. D.&C. 2d 372 19. Plaintiff has not submitted a verification with the Complaint that conforms with PA.R.C.P. 1024(b). 20. Furthermore, the name of the person verifying the Complaint is not ascertainable. 21. As a result, Plaintiff has failed to conform their Complaint to law or rule of Court and based on PA.R.C.P. 1028(a)(2) Plaintiff's Complaint should be stricken. WHEREFORE, Defendant respectfully requests that the Court order Plaintiff to file an Amended Complaint or dismiss this action with prejudice. Respectfully bmitted, Robert D. Klingensmith, Esquire PA I.D.# 313960 Harold Shepley & Associates, LLC 209 West Patriot Street Somerset, PA 15501 (814) 444-0500 (814) 444-0600 (fax) rklingensmith@shepleylaw.com Attorney for Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DISCOVER BANK Plaintiff CIVIL ACTION -LAW v. NO: 14-555 Civil TODD HOSTETTER Defendant CERTIFICATE OF SERVICE I served these Preliminary Objections, Brief in Support of Preliminary Objections, and Scheduling Order by U.S. Mail, postage prepaid, at 1400 Koppers Building, 436 Seventh Avenue, Pittsburgh, PA 15219 on Matthew Urban, Esquire, the Attorney for the Plaintiff, Discover Bank, on May 16, 2014. I declare under penalty of perjury that this information is true. Date: May 16, 2014 Lutvon Server's Signature Gretchen Giles — Legal Assistant Name and Title Harold Shepley & Associates, LLC 209 West Patriot St. Somerset, PA 15501 Server's Address IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DISCOVER BANK Plaintiff CIVIL ACTION -LAW v. NO: 14-555 Civil TODD HOSTETTER Defendant Order of Court On this day of , upon consideration of defendant(s)' preliminary objections, it is hereby ORDERED that plaintiff(s)'amended complaint is stricken. Plaintiff(s) is (are) granted days leave to file a second amended complaint. If the plaintiff(s) fail(s) to file a second amended complaint within days of the date of this order, upon praecipe of defendant(s), the Prothonotary, shall dismiss the case with prejudice. BY THE COURT J. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA r� 7,47;-) CP CIVIL ACTION -LAW Q DISCOVER BANK Plaintiff v. TODD HOSTETTER Defendant NO: 14-555 Civil PRAECIPE TO WITHDRAW PRELIMINARY OBJECTIONS & STIPULATION TO EXTEND TIME Filed on Behalf of Defendant: TODD HOSTETTER Counsel of Record: Robert D. Klingensmith, Esquire PA I.D. # 313960 HAROLD SHEPLEY & ASSOCIATES, LLC 209 West Patriot Street Somerset, PA 15501 (814) 444-0500 (814) 444-0600 (fax) rklingensmith@shepleylaw.com Attorney for Plaintiff: Matthew D Urban, Esq. Weltman Weinberg and Reis, C.O. L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DISCOVER BANK Plaintiff CIVIL ACTION -LAW v. NO: 14-555 Civil TODD HOSTETTER Defendant Praecipe to Withdraw Preliminary Objections TO THE PROTHONOTARY: Please mark the Defendant's Preliminary Objections to Plaintiff's Amended Complaint withdrawn and remove the matter any argument list it may appear on. Thank you. Robe D. Klingensmith, Esquire Attorney for Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUN3 4.Y,` PENNSYLVANIA rn ter- DISCOVER BANK Plaintiff CIVIL ACTION -LAW v. NO: 14-555 Civil 2 TODD HOSTETTER Defendant Stipulation to Extend Time to Answer 77' _,. C Pursuant to Pa.R.C.P. 1003, it hereby agreed that the time for Defendant to file and serve and Answer the Amended Complaint is extended until September 19, 2014. Matthew D. Urban Robert D. Klingensmith Attorney for the Plaintiff Attorney for the Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DISCOVER BANK Plaintiff v. TODD HOSTETTER Defendant • CIVIL ACTION -LAW • NO: 14-555 Civil ANSWER Filed on Behalf of Defendant: TODD HOSTETTER Counsel of Record: Robert D. Klingensmith, Esquire PA I.D. # 313960 no a rn rn 73 (r) r-- < CD 3C) :r c=; ..c- ci) rn Cr, HAROLD SHEPLEY & ASSOCIATES, LLC 209 West Patriot Street Somerset, PA 15501 (814) 444-0500 (814) 444-0600 (fax) rklingensmith@shepleylaw.com IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DISCOVER BANK Plaintiff CIVIL ACTION -LAW v. NO: 14-555 Civil TODD HOSTETTER Defendant ANSWER AND NOW, comes the Defendant, Todd Hostetter, by and through his attorney, Robert D. Klingensmith, Esquire of Harold Shepley & Associates, LLC, and files the following Answer to Plaintiff's Complaint: 1. Admitted 2. Admitted 3. Denied. After a reasonable investigation, Defendant is without knowledge or information sufficient to know the relationship of DB Servicing and the Plaintiff. 4. Admitted. 5. Denied. Defendant is without the knowledge or information to form a belief as to if the Plaintiff is exempt from requiring to be registered in Pennsylvania. 6. Denied. Defendant is without the knowledge or information to form a belief as to if the Plaintiff is exempt from requiring to be registered in Pennsylvania. Count I Breach of Contract 7. Admitted. 8. Denied. After a reasonable investigation, Defendant is without knowledge or information sufficient to form a belief as to whether they applied for, received, and used the account at issue. After a reasonable investigation, Defendant is without knowledge or information sufficient to form a belief as to the terms and conditions of the original agreement, and whether those terms and conditions were subsequently amended by the Plaintiff. 9. Denied. After a reasonable investigation, Defendant is without knowledge or information sufficient to form a belief as to whether they applied for, received, and used the account at issue. After a reasonable investigation, Defendant is without knowledge or information sufficient to form a belief as to the terms and conditions of the original agreement, and whether those terms and conditions were subsequently amended by the Plaintiff. 10. Denied. After a reasonable investigation, Defendant is without knowledge or information sufficient to form a belief as to whether they applied for, received, and used the account at issue. After a reasonable investigation, Defendant is without knowledge or infoiniation sufficient to form a belief as to the terms and conditions of the original agreement, and whether those terms and conditions were subsequently amended by the Plaintiff. 11. Denied. Defendant is without knowledge or information sufficient to form a belief as to whether accurate information was obtained by the Plaintiff. Defendant disputed owing any debt to the Plaintiff and has no infollnation to accurately calculate the amount claimed owed by the Plaintiff. 12. Denied. Defendant is without knowledge or information sufficient to form a belief as to whether accurate information was obtained by the Plaintiff. Defendant disputed owing any debt to the Plaintiff and has no information to accurately calculate the amount claimed owed by the Plaintiff. Count II Unjust Enrichment 13. Admitted. 14. Denied. Defendant after reasonable investigation is without knowledge or information to form a belief as to whether they used the alleged card or not. Strict proof of said usage by the Defendants is required at trial. 15. Denied. Defendant after reasonable investigation is without knowledge or information to form a belief as to whether they used the alleged card or not. Strict proof of said usage by the Defendant is required at trial. 16. Admitted in part and Denied in part. Defendant admits to not making payments on the alleged account. Defendant specifically denies owing the Plaintiff any monies. By way of further response, Plaintiff cannot recover on an unjust enrichment claim when they have specifically plead a breach of contract theory. Count III Breach of Contract -Contract Implied in Law 17. Admitted. 18. Denied. Defendant is without knowledge or information sufficient to form a belief as to whether accurate information was obtained by the Plaintiff. Defendant disputed owing any debt to the Plaintiff and has no information to accurately calculate the amount claimed owed by the Plaintiff. 19. Denied. After a reasonable investigation, Defendants are without knowledge or information sufficient to foul' a belief a belief as to whether they used the account at issue. If Plaintiff can prove that Defendants used the account at issue, then Defendants are without knowledge or information sufficient to form a belief as to whether Defendants' act of using said credit card constituted an acceptance of the terms and conditions of an alleged agreement. 20. Denied. Defendant is without knowledge or information sufficient to form a belief as to whether accurate information was obtained by the Plaintiff. Defendant disputed owing any debt to the Plaintiff and has no information to accurately calculate the amount claimed owed by the Plaintiff. 21. Admitted in part and denied in part. Defendants admit refusing to pay the aforesaid amount, but Defendant denies that the aforesaid amount is owed by Defendants to Plaintiff. 22. Denied. After a reasonable investigation, Defendant is without knowledge or information sufficient to form a belief as to whether they applied for, received, and used the account at issue. After a reasonable investigation, Defendant is without knowledge or information sufficient to form a belief as to the terms and conditions of the original agreement, and whether those terms and conditions were subsequently amended by the Plaintiff. 23. Admitted in Part and Denied in Part. Defendant Admits not making payments to the Plaintiff. Defendant specifically denies owing any monies to the Plaintiff. WHEREFORE, Defendant respectfully requests that judgment be entered for it on Plaintiff's claims and the same dismissed with prejudice. Respectfully submitted, Robert D. Klingensmith, Esquire Attorney for the Defendant Harold Shepley and Associates, LLC 209 West Patriot Street Somerset, PA 15501 (814) /1/1 0500 (814) 444-0600 (fax) rklingensmith@shepleylaw.com VERIFICATION Todd Hostetter, hereby states that I am the Defendant in this action and verifies that the statements made in the forgoing pleading are true and correct to the best of my knowledge, information and belief. The undersigned understands that the statements herein are made subject to the penalties of 18 Pa. C.S.A. Section 4904 relating to unsworn falsification to authorities. Todd Hostetter Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DISCOVER BANK Plaintiff v. TODD HOSTETTER Defendant CIVIL ACTION -LAW NO: 14-555 Civil CERTIFICATE OF SERVICE I served this Answer and Discovery Requests by U.S. Mail, postage prepaid, at 436 Seventh Avenue, Suite 1400, Pittsburgh, PA 15219 on Matt Urban, Esquire, the Attorney for the Plaintiff, Discover Bank on September 12, 2014. I declare under penalty of perjury that this information is true. Date: September 12, 2014 nollOP LNJ Server's Signature Gretchen Giles — Legal Assistant Printed Name and Title Harold Shepley & Associates, LLC 209 West Patriot St. Somerset, PA 15501 Server's Address