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HomeMy WebLinkAbout14-1176 COMMONWEALTH OF PENNSYLVANIA COURT OF COMMON PLEAS NOTICE OF APPEAL Judicial District, County Of FROM MAGISTERIAL DISTRICT JUDGE JUDGMENT COMMON PLEAS No. NOTICE OF APPEAL Sri✓► Notice is given that the appellant has filed in the above Court of Common Pleas an appeal from the judgment rendered by the Magisterial District Judge on the date and in the case referenced below. NAME OF APPELLANT A DIST. NO. NAME OF MDJ 57 IIIA oloy)'104 �FE ) I f - i k7 - - - /X - 41 k, 4 ADDRESS OF APPELLANT ITY STATE ZIP CODE 1. e6 ✓e _ DATE OF UDGMENT IN THE ASE OF (Plaintiff) (De endant ' 2f1 w < Vs e h DOCK T Wo. SIGNATURE OF APPELLANT OR ATTORNEY OR AGENT �-� yro C v'- 000171�S - 013 �2 UAL m.0 -a-- -. This block will be signed ONLY when this notation is required under Pa. If appellant was Claimant (see Pa. R.C.P.D.J. No. 1001(6) in action R.C.P.D.J. No. 1008B. This Notice of Appeal, when received by the Magisterial District Judge, will before a Magisterial District Judge, A COMPLAINT MUST BE FILED operate as a SUPERSEDEAS to the judgment for possession in this case. within twenty (20) days after filing the NOTICE of APPEAL. Signature of Prothonotary or Deputy PRAECIPE TO ENTER RULE TO FILE COMPLAINT AND RULE TO FILE (This section of form to be used ONLY when appellant was DEFENDANT (see Pa.R.C.P.D.J. No. 1001(7) in action before Magisterial District Judge. IF NOT USED, detach from copy of notice of appeal to be served upon appellee. PRAECIPE: To Prothonotary Enter rule upon fJ 1Z�` f cd v,(191 appellee(s), to file a complaint in this appeal Name of appellee(s) (Common Pleas No. I 11 e 111 within twenty (20) days after service of rule or suffer entry of judgment of non pros. Signature of appellant or attorney or agent RULE: To of 0 V61" l�ti17 appellee(s) Name of appellee(s) (1) You are notified that a rule is hereby entered upon you to file a complaint in this appeal within twenty (20) days after the date of service of this rule upon you by personal service or by certified or registered mail. .(2)- If you do not file a complaint within this time, a JUDGMENT OF NON PROS MAY BE ENTERED AGAINST YOU. (3) The date of service of this rule if service was by mail is the date of the mailing. Date: L!� Signature of Prothonotary or Deputy YOU MUST INCLUDE A COA)yj df'N �r Mh J J UDGMENTITRANSCRIPT FORM WITH THIS y OTICE OF APPEAL. o el t I . WN U 633 03..E AOPC 312 -05 �AS� COMMONWEALTH OF PENNSYLVANIA r Notice of Judgment/Transcript Civil COUNTY OF CUMBERLAND Case Mag. Dist. No: MDJ- 09 -1 -03 Discover Bank MDJ Name: Honorable Richard S. Dougherty V. Address: 98 South Enola Drive, Suite 1 Solomon Lee Enola, PA 17025 Telephone: 717- 728 -2805 Solomon Lee Docket No: MJ- 09103 -CV- 0000178 -2013 11 E. Beale Avenue Case Filed: 10/1/2013 Enola, PA 17025 -2804 Disposition Summary (cc- cross comp Iaint) - __ .. .. ...... ... _... _, .__.... . Docket No Plaintiff Defendant Disposition Disposition Date MJ- 09103 -CV- 0000178 -2013 Discover Bank Solomon Lee Judgment for Plaintiff 01/30/2014 ._...- _.... __..._..._.._...._ ._ ............._..- _- _.,.__.w.. ... __... _._.._...... _ _ _..._.._,.._.. .._._....._ .,.. __..W. .. _...... _...._......_...,. Judgment m Summary Participant Joint/Several Liability Individual Liability Amount Discover Bank $0.00 $0.00 $0.00 Solomon Lee $0.00 $1,887.02 $1,887.02 Jud ._ Judgment Finding m ent) 9 9 (`Post Judgm ........ __._ _e.._._. �. w_., ...._- ,_..... .._m,_.r._ -..... In the matter of Discover Bank vs. Solomon Lee on MJ- 09103 -CV- 0000178 -2013, on 1/30/2014 the judgment was awarded as follows: Judgment Component Joint/Several Liability Individual Liability Deposit Applied Amount Civil Judgment $0.00 $1,761.87 $1,761.87 Filing Fees $0.00 $125.15 $125.15 Grand Total: $1,887.02 ANY PARTY HAS THE RIGHT TO APPEAL WITHIN 30 DAYS AFTER THE ENTRY OF JUDGMENT BY FILING A NOTICE OF APPEAL WITH THE PROTHONOTARY /CLERK OF COURT OF COMMON PLEAS, CIVIL DIVISION. YOU MUST INCLUDE A COPY OF THIS NOTICE OF JUDGMENT /TRANSCRIPT FORM WITH YOUR NOTICE OF APPEAL. EXCEPT AS OTHERWISE PROVIDED IN THE RULES OF CIVIL PROCEDURE FOR MAGISTERIAL DISTRICT JUDGES, IF THE JUDGMENT HOLDER ELECTS TO ENTER THE JUDGMENT IN THE COURT OF COMMON PLEAS, ALL FURTHER PROCESS MUST COME FROM THE COURT OF COMMON PLEAS AND NO FURTHER PROCESS MAY BE ISSUED BY THE MAGISTERIAL DISTRICT JUDGE. UNLESS THE JUDGMENT IS ENTERED IN THE COURT OF COMMON PLEAS, ANYONE INTERESTED IN THE JUDGMENT MAY FILE A REQUEST FOR ENTRY OF SATISFACTION WITH THE MAGISTERIAL DISTRICT JUDGE IF THE JUDGMENT DEBTOR PAYS IN FULL, SETTLES, OR OTHERWISE COMPLIES WITH THE JUDGMENT. JAN 3Q 2014 �t Date Magisterial District Judge Richard S. Dougherty certify that this is a true and correct copy of the record of the proceedings containing the jud gment. Date Magisterial District Judge MDJS 315 Page 1 of 2 Printed: 01/30/2014 1:47:58PM Discover Bank Docket No.: MJ- 09103 -CV- 0000178 -2013 V. Solomon Lee Participant List Plaintiff(s) Discover Bank C/O Pressler and Pressler LLP 7 Entin Rd Parsippany, NJ 070545020 Defendant(s) Solomon Lee 11 E. Beale Avenue Enola, PA 17025 -2804 Complainant's Attorney(s) Ralph Gulko, Esq. c/o PRESSLER and PRESSLER, LLP 7 Entin Road Parsippany, NJ 07054 -5020 MDJS 315 Page 2 of 2 Printed: 01/30/2014 1:47:58PM TE LEL PRO TH 0 NO TAI r- 2014 NAP -5 PH 54 CUMBERL A ND COUNTY PENNSYLVANIA PROOF OF SERVICE OF NOTICE OF APPEAL AND RULE TO FILE COMPLAINT (This proof of service MUST BE FILED WITHIN TEN (10) DAYS AFTER filing of the notice of appeal. Check applicable boxes.) COMMONWEALTH OF PENNSYLVANIA COUNTY OF 6vm_g_evei AFFIDAVIT: I hereby (swear) (affirm) that I served ; SS Lz] a copy of the Notice of Appeal, Common Pleas No. , upon the Magisterial District Judge designated therein on (date of service) 0 by personal servic /e by (certified) (registered) mail, sender's receipt attached hereto, and upon the appellee, (na , on , 20 / V- El by personal service by (certified) (registered) mail, sender's receipt attached hereto. (SWORN) (AFFIRMED) AND SUBSCRIBED BEFORE THIS DAY OF 20 \ —411111r_if V/ E Signature of official before whom a Title of cprefal id F PENNSYLVANIA NOTARIAL SEAL DONALD TRAUBE Notary Public LEMOYNE BOROUGH, CUMBERLAND COUNTY My Commission Expires Jun 3, 2017 • My commission expires on , 20 AOPC 312A - 05 Signature of affiant Pressler & Pressler,.LLP BY: Francis X. Grimes I.D4 62404. • 80.4 West Avenue. Jenkintown, PA 1904'6 (215) '576 -1900 DISCOVER BANK. C/0 DB SERVICING CORPORATION 6500 New Albany Rd. East New Albany, OH 43054 Plaintiff vs. SOLOMON LEE 11 E. Beale'Ave., Enola, PA'.17025 Defendan "NOTICE You have been, sued irt court: If you wish to'defend•against the clairus,set •forth in'the fol- lowing pages, you:must take action within twenty (20) days 'atter this complaint and notice" are served, by entering a written appdarance person- • ally or by attorney and tiling in writing with the court your defenses or ' objections to the.clalrits 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'rnay 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 AFFO.RD'ONE, GO TO ' OR ..TELEPHONE THE OFFICE .SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP, ' L�1 Attorney for Plaintiff COURT OF COMMON PLEAS= • CUMBERLAND . .COUNTY CIVIL ACTION -LAW. "AVISO” - - "Le han demanded!) a • usted en. la torte. Si • usted. quiere defenderse' de estas•demandas ex- ' puestas en •las .paginas sigulentes, usted, tlene veinte (20) digs de plazo at partir'de la fecha•de . la demanda y la notification. Hece•talta asentar una comparencia escrita o en persona o con Lin abogado. y. entregar ' a la corte en ,forma. escrita sus defenses o 'sus objecion'es a, las 'demandes' en contra de' su persona. Sea avisado, quo',si usted no se defiende, la carte 'tomara medidas . 'y:.puede continuer la demanda en contra suya sin previo aviso o' n'otificacion. Ademas, la torte 'puede decidir a favor del demandante y requiere ,que usted cuMpla con todas 'las provi.sione•s de esta demanda: Usted puede perder dinero o sus propiedades.• u otros derechos importantes para usted." . • • "LLEVE ESTA DEMANDA A UN ABO- GADO INMEDIATAMENTE, SI 'NO' TIENE ABO- GADO O SI. NO'TIENE ELDINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PER- SONA O'LLAME 'POR 'TELEFONO A LA OFI- .CINA CUY A DIRECCION ,SE 'ENCUENTRA ESCRITA ABAJO A,RA. AVERIGUAR DONDE• SE PUEDE COHSE 11R ASISTENCI. LEGAL, CE SERVICES •' PRESSLER and PRESSLER, LLP BY: FRANCIS X. GRIMES, ESQUIRE I.D. #62404 804 West Avenue Jenkintown, PA 19046 (215) 576 -1900 DISCOVER BANK C/O DB SERVICING CORPORATION 6500 New Albany Rd. East New Albany, OH 43054 Plaintiff vs. SOLOMON LEE 11 E. Beale Ave. Enola, PA 17025 Defendants(s) Attorney for Plaintiff File # L147807 : COURT OF COMMON PLEAS : CUMBERLAND COUNTY, : PENNSYLVANIA : CIVIL ACTION -LAW : No.:14 -1176 CIVIL CIVIL ACTION COMPLAINT 1. Plaintiff, Discover Bank, is a banking institution organized under the laws of the State of Delaware and maintains a business address c/o DB Servicing Corporation, 6500 New Albany Rd. East New Albany, OH 43054. 2. Plaintiff is engaged in interstate commerce and is subject to various federal laws and federal banking regulations; and, Plaintiff does not conduct business within the Commonwealth of Pennsylvania within the meaning of any statutes and /or regulations pertaining to foreign corporations. 3. Discover Bank is the issuer and owner of the Discover credit cards which are issued to consumers pursuant to an extension of credit agreement with them. 4. DB Servicing Corporation, a wholly owned subsidiary of Discover Bank, is the servicing affiliate for the Discover credit card accounts for Discover Bank. It creates and maintains all of the records in connection with all of the activities and/or transactions regarding the Discover accounts. 5. The Defendant(s), is/are adult individual(s) believed to be residing at the address contained in the above caption. 6. Plaintiff issued a Discover credit card to the Defendant(s), and the Defendant(s) accepted the Discover credit card, so that the Defendant(s) could make purchases or other forms of credit from various merchants who were authorized to accept the credit card from the Defendant(s) in lieu of payment by the Defendant(s) to the merchants. 7. The Defendant(s) received the physical credit card issued by the Plaintiff, together with a Cardmember Agreement (extension of credit agreement), which agreement contains the terms and conditions governing the use of the credit card between the parties hereto. Plaintiff attaches hereto as Exhibit "A" a copy of the Defendant's Cardmember Agreements applicable to the Defendant(s) account. 8. The cardmember agreement is in writing however, is not signed and is not required to be signed by the parties as the cardmember agreement only becomes effective and assented to by the Defendant(s) upon the use of the credit card. See Discover Bank v. Stucka, 2011 PA Super 241 (Pa. Super. Ct., 2011). 9. Thereafter, on sundry and various occasions, the Defendant(s), pursuant to the extension of credit agreement, used the credit card for purchases and/or other forms of credit and maintained a running account, a copy of which was provided to the Defendant(s). Attached hereto as Exhibit "B" is a copy of the Defendant(s) monthly cardmember statements for the period ending May 27, 2012 through period ending July 27, 2013. 10. The Defendant(s) by acceptance and use of the Discover card has assented and ratified the terms and conditions of the Cardmember Agreement/account each and every time they utilized the Discover credit card, as well as by continuing to make payments to the Plaintiff after receiving monthly statements summarizing the activities and/or transactions on the account. 11. The Defendant(s) by use and conduct with the Discover Card have impliedly represented to the credit card issuer that the Defendant(s) had the ability and the intention to pay for the use of the Discover credit card. 12. The Defendant(s) have not disputed any of the charges in writing within sixty (60) days of receipt of the monthly cardmember statements as required pursuant to the Fair Credit Billing Act ("FCBA"), an amendment to the Truth In Lending Act ("TILA"), 15 U.S.C. § 1601. 13. Plaintiff believes, and therefore avers, that the Defendant(s) last payment in regard to their Discover obligation was processed on or about January 4, 2013 and as a result thereof, the Defendant(s) is in breach of their obligation to the Plaintiff; and as a further result thereof, the obligation of the Defendant(s) to satisfy the entire balance in regard to the credit card account became accelerated. 14. The outstanding balance which was due on the credit account as of July 27, 2013, was $1,761.87; and, although repeated requests and demands have been made upon the Defendant(s) by the Plaintiff to satisfy the balance, the Defendant(s) is still in breach of its obligation on the account and have failed to repay the account balance and debt due the Plaintiff. COUNT I - BREACH OF CONTRACT 15. Plaintiff incorporates by reference, all of the foregoing averments of this Civil Action Complaint, as though the same were more fully set forth in length herein. 16. In addition to the balance on the account as indicated above, the Plaintiff may incur additional damages for accrued interest, costs and request payment of the same by the Defendant(s) pursuant to the terms of the Cardmember Agreement and/or applicable law. 17. Plaintiff, through its counsel's investigation, has determined that the Defendant(s) is/are not in the military service. 18. THIS COMMUNICATION OF PLAINTIFFS COUNSEL IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. WHEREFORE, Plaintiff, Discover Bank, demands Judgment against the Defendant(s), Solomon Lee, in the sum of $1,761.87 plus costs in accordance with law. COUNT II - ACCOUNT STATED 19. Plaintiff incorporates by reference, all of the foregoing averments of this Civil Action Complaint, as though the same were more fully set forth in length herein. 20. The Defendant(s) has/have, by their use of the credit card, impliedly assented to the terms and conditions of the account and is/are now in breach of the account for their failure to pay the outstanding balance due and owing. 21. The Plaintiff mailed to the Defendant(s) monthly account statements when the Defendant opened their account on Apil 15, 2012 and continued to mail monthly statements reflecting account activity, and therefore, an account was stated by virtue of the Defendant's receipt and acceptance of those monthly statements, Defendant's making many minimum monthly payments pursuant to the statements, the Defendant's continued use of the credit account and other payments and Defendant's acceptance of the monthly statements received. 22. By virtue of the Plaintiff's ongoing rendering an account, the Defendant(s) receipt, acceptance and payments thereon of Plaintiff's rendering an account, the Defendant(s) has/have assented to the correctness of the account. 23. By virtue of the Defendant's failure to dispute any charges in writing, pursuant to Federal Law as hereinbefore described, reflected on the monthly statements provided to the Defendant(s), the Defendant(s) has/have accepted and agreed to the correctness of the account. WHEREFORE, Plaintiff, Discover Bank, demands Judgment against the Defendant(s), Solomon Lee, in an amount less than the Court's Arbitration limits, plus costs in accordance with law. COUNT III - UNJUST ENRICHMENT 24. Plaintiff incorporates by reference, all of the foregoing averments of this Civil Action Complaint, as though the same were more fully set forth in length herein. 25. Defendant(s), by the use of the Discover credit card account and the extension of credit, received the benefit of the same which was given on the said credit account and has/have failed to make payment for the receipt of the said benefit. 26. As a direct result of the receipt of the benefit of the extension of credit understanding as above, the Defendant(s) has/have been unjustly enriched in an amount less than the Court's arbitration limit, to Plaintiffs detriment. WHEREFORE, Plaintiff, Discover Bank, demands Judgment against the Defendant(s), Solomon Lee, in an amount less than the Court's Arbitration limits, plus costs in accordance with law. DATE: IS X. GRIMES, ESQUIRE Attorney for Plaintiff VERIFICATION I, JAMES BALL, hereby state that I hold the position of Litigation Support Manager with DB Servicing Corporation, and that I am authorized to take this Verification on behalf of Discover Bank and DB Servicing Corporation, the servicing affiliate of Discover Bank. I certify that Discover Bank is the issuer and owner of the credit card obligation(s) of Solomon Lee, (card number -3125) and that the balance owed as of July 31, 2013 was $1,761.87. The Plaintiff lacks sufficient knowledge or information to execute this verification, however, I have sufficient knowledge and information in my position as Litigation Support Manager with DB Servicing Corporation which is a subsidiary of Plaintiff and is the servicing affiliate of Discover Bank and which creates and maintains the business records for Discover Bank. THAT, in my capacity as Litigation Support Manager, I have access to records regarding the Discover Card account of the above referenced Defendant(s), and further, that I have personally inspected said account and statements regarding the balance due on said account. DB Servicing Corporation maintains these records in the ordinary course of business. To the extent any pleading is believed to aver inconsistent facts, specifically a cause of action for breach of contract and a cause of action for unjust enrichment, I have been unable after reasonable investigation to ascertain which of the inconsistent facts are true, but I have knowledge or information sufficient to form a belief that one of them is true. The undersigned verifies that the facts contained in the within pleading are true and correct to the best of his knowledge, information and belief and understands that the statements therein are made subject to the penalties of 18 Pa..C..S..A. 4904 relating to unworn falsification to authorities. EXHIBIT "A" DISCOVER CARDMEMBER AGREEMENT TL23J.1210 Thank you for choosing Discover® card. This Agreement explains the current terms and conditions of your Account. The enclosed Pricing Schedule is part of this Agreement. Please read this Agreement, including the Pricing Schedule, carefully. Keep them for your records. Contact us if you have any questions. We have included a "Definitions" section for your reference on page 4. ACCEPTANCE OF AGREEMENT You accept this Agreement if you do not cancel your Account within 30 days after receiving a Card. You also accept this Agreement if you or an Authorized User use the Account. You may, however, reject the "Arbitration of Disputes" section as explained in that section. CHANGES TO YOUR AGREEMENT The rates, fees and terms of this Agreement may change from time to time. We may add or delete any term to this Agreement. If required by law, we will give you advance written notice of the change(s) and a right to reject the change(s). We will not charge any fee or interest charge prohibited by law. USING YOUR ACCOUNT Permitted Uses You may use your Account for Purchases, Balance Transfers and Cash Advances. You may not use it for illegal transactions. Authorized Users You may request additional Cards for Authorized Users. You must notify us if you wish to cancel the authority of an Authorized User to use your Account, Joint Accounts If your Account is a joint Account: • each of you agrees to be liable individually and jointly for the entire amount owed on the Account; and • any notice we mail to an address provided by either of you for the Account will serve as notice to both of you. Checks If we provide you with Checks, we will tell you whether we will treat the Check as a Purchase, Balance Transfer or Cash Advance. You may not use these Checks to pay any amount you owe us. Credit Authorizations We may not authorize a transaction for security or other reasons. We will not be liable to you if we decline to authorize a transaction or if anyone refuses your Card, Check or Account number. Credit Lines We will tell you what your Account credit line is. You must keep your Account balance below your Account credit line. If you do not, we may request immediate payment of the amount by which you exceed it. We may establish a lower credit line for Cash Advances. We may increase or decrease your Account credit line or your Cash Advance credit line without notice. We may delay increasing your available credit by the amount of any payment that we receive for up to 10 business days. FEES (See your Pricing Schedule for Additional Fees) Late Fee If you do not pay the Minimum Payment Due by the Payment Due Date, we will charge you a Late Fee, The fee is $25 if you were not charged a Late Fee during any of the prior six billing periods. Otherwise, the fee is $35. This fee will never exceed the Minimum Payment Due that was due immediately prior to the date on which the fee was assessed, Returned Payment Fee If you make a payment that is not honored by your financial institution, we will charge you a Returned Payment Fee even if the payment is honored after we re- submit it. The fee is $25 if you were not charged a Returned Payment Fee during any of the prior six billing periods. Otherwise, the fee is $35. This fee will never exceed the Minimum Payment Due that was due immediately prior to the date on which the payment was returned to us. Returned Check Fee We will charge you a Returned Check Fee each time we decline to Check Fee during any of the prior six billing periods. Otherwise, the honor a Check. The fee is $25 if you were not charged a Returned fee is $35. This fee will never exceed the amount of the Check. Research Fee We may charge you a Research Fee of $5 for each copy of a billing statement or sales slip that you request. We will not charge this fee if you request copies in connection with a billing dispute. ©2010 Discover Bank, Member FDIC ANNUAL PERCENTAGE RATES ( "APRs ") (See your Pricing Schedule for the APRs, including Penalty APRs, that apply to your Account) Variable APRs Your Pricing Schedule may include variable APRs. These APRs are 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 '.he 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: • $40; • 2% of the New Balance shown on your billing statement (plus $40 if the New Balance includes a Balance Transfer balance); or • any Interest Charges and Late Fee shown on your billing statement, plus $20. The Minimum Payment Due may also include amounts by which you exceed your Account credit line. However, it will never exceed the New Balance. When we calculate the Minimum Payment Due, we may subtract from the New Balance certain fees added to your Account during the billing period. The Minimum Payment Due is rounded up to the nearest dollar, How We Apply Payments We apply payments and credits at our discretion, including in a manner most favorable or convenient for us. In all cases, we will apply payments and credits as required by applicable law. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment. INTEREST CHARGES How We Calculate Interest Charges —Daily Balance Method (including current transactions) We calculate interest charges each billing period by first figuring the "daily balance" for each Transaction Category. Transaction Categories include standard Purchases, standard Cash Advances and different promotional balances, such as Balance Transfers. How We Figure the Daily Balance for Each Transaction Category • We start with the beginning balance for each day. The beginning balance for the first day of the billing period is your balance on the last day of your previous billing period. • We add any interest charges accrued on the previous day's daily balance and any new transactions and fees. We add any new transactions or fees as of the later of the Transaction Date or the first day of the billing period in which the transaction or fee posted to your Account. • We subtract any new credits and payments. - 2 - • We make other adjustments (including those adjustments required in the "Paying Interest" section). How We Figure Your Total Interest Charges • We multiply the daily balance for each Transaction Category by its daily periodic rate. We do this for each day in the billing period. This gives us the interest charges for each Transaction Category, To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365. • We add up all the daily interest charges. The sum is the total interest charge for the billing period. How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category. We add Cash Advance Fees to the applicable Cash Advance Transaction Category. We add all other fees to the standard Purchase Transaction Category. INTEREST CHARGES Paying Interest When Interest Charges Begin We begin to impose interest charges on a transaction, fee or interest charge from the day we add it to the daily balance. We continue to impose interest charges until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest on Balance Transfers or Cash Advances. How to Avoid Paying Interest on Purchases ( "Grace Period ") If you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases, or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement. New Purchases are Purchases that first appear on the current billing statement. How We Apply Payments May Impact Your Grace Period If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases. OTHER IMPORTANT INFORMATION Default You are in default if: • you file bankruptcy or another insolvency proceeding is filed by you or against you; • we have a reasonable belief that you are unable or unwilling to repay your obligations to us; • you die or are legally declared incompetent or incapacitated; • you fail to comply with the terms of this Agreement or any Agreement with us or an Affiliate, including failing to make a required payment when due, exceeding your Account credit line or using your Card or Account for an illegal transaction. If you are in default, we may declare the entire balance of your Account immediately due and payable without notice. Collection Costs If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable attorneys' fees, court or other collection costs, and fees and costs of any appeal. Merchant Disputes If you have a dispute with a merchant, you may request a credit to your Account. If we resolve the dispute in your favor, we will issue a credit to your Account. You assign to us your claim for the credited amount against the merchant and /or any third party. At our request, you agree to provide this assignment in writing. Automatic Billing Arrangements You may set up automatic billing with a merchant. If your Account number or Card expiration date changes, you authorize us to provide this updated information to any such merchant at our discretion. You must contact the merchant directly if you wish to stop automatic billing. Our Privacy Policy We send you our Privacy Policy when you open your Account and annually. Contact us or visit Discover,com if you would like a copy. Please read it carefully. It summarizes: • the personal information we collect; • how we safeguard its confidentiality and security; • when it may be shared with others; and • how you can limit our sharing of this information. Reporting to Credit Reporting Agencies We may from time to time review your credit, employment and income records. We may report the status and payment history of your Account to credit reporting agencies and other creditors. We normally report to credit reporting agencies each month. If you believe that information we reported is. inaccurate or incomplete, please write us at Discover, PO Box 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, 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 fora 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 jedgment) in any court with jurisdiction. Other Beneficiaries of this Provision. In addition to you and us, the rights and duties described in this arbitration agreement apply to: our Affiliates and our and their officers, directors and employees; any third party co- defendant of a claim subject to this arbitration • provision; and all joint Accountholders and Authorized Users of your Account(s). - 5 - Survival of this Provision. This arbitration provision shall survive: • closing of your Account; • voluntary payment of your Account or any part of it; • any legal proceedings to collect money you owe; • any bankruptcy by you; and • any sale by us of your Account. You May Have the Right to Reject Arbitration. You may reject the Arbitration of Disputes section but only if we receive from you a written notice of rejection within 30 days of your receipt of the Card. You must send the notice of rejection to: Discover, PO Box 30938, Salt Lake City, UT 84130 -0938. Your rejection notice must include your name, address, phone number, Account number and personal signature. No one else may sign the rejection notice for you. Your rejection notice also must not be sent with any other correspondence. However, if you previously had the chance'to reject an arbitration agreement with us but did not, you may not reject it now. Rejection of arbitration will not affect your other rights or responsibilities under this Agreement or your obligation to arbitrate disputes under any other account as to which you and we have agreed to arbitrate disputes. If you once sent us a rejection notice on a different account or card, you must send us a new rejection notice or else this arbitration agreement will apply to any disputes with us relating to your other accounts or cards. Your Billing Rights: Keep This Document For Future Use This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. What To Do If You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at: Discover PO Box 30421 Salt Lake City, UT 84130 -0421. In your letter, give us the following information: • Account information: Your name and account number. • Dollar amount: The dollar amount of the suspected error. • Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us: • Within 60 days after the error appeared on your statement, • At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. What Will Happen After We Receive Your Letter When we receive your letter, we must do two things: 1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we 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 if you do not pay the amount we think you owe. If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay, If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matterhas 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 ciedit 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 $500000 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 maybe 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.comlmybenefits or call 1 -800- DISCOVER (1.800. 347 - 2683). EXHIBIT "B" New Balance $1,368.83 SOLOMON LEE 11 E BEALE AVE ENOLA PA 17025 -2804 Minimum Payment Due $40.00 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 3125 Enter Amount Enclosed Below Pay online at www.Discover.com or make check payable to Discover. Phone and internet payments must be made by 5:00pm ET for same day posting. PO BOX 71084 CHARLOTTE NC 28272 -1084 0000019864510617121 14013688300000000004000 Opening Date: April 15, 2012 - Closing Date: May 27, 2012 Discover More Card Account Summary Account number ending in 3125 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $0.00 0.00 + 1,368.83 + 0.00 + 0.00 + 0.00 + 0.00 $1,368.83 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available $1,500.00 $131.00 Cash Advance Credit Line $100.00 Cash Advance Credit line Available $100.00 You may be able to avoid Interest Charges, see Additional Important Information for details. Cashback Bonus® Anniversary Month April Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 3.42 Cashback Bonus Balance $ 3.42 To learn more, log in atwww.Discover.com 3 Easy Ways to Contact Us 1. Access your account securely at www.Discover.com 2. Call 1-800-DISCOVER (1. 800 -347 -2683) Please have your Discover® card available. 3. Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197-6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449. page 1 of 2 Payment Information New Balance Minimum Payment Due $1,368.83 $40.00 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 add04:00ges using this card #ltid each man:tf you pay;: You witlpay off the balance shown on thin sttpternent In oboist: Andyouvillend up pnyrn an egftmatg:i total of ; Only the minimum payment 4 years $1,661 • $47 3 years $1,637 (Savings = $24 ) f you would like information about credit counseling services, call 1-800-347-1121. Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth moreSM —find easy ways to earn and redeem cash rewards NEW! Access your account securely through your mobile phone Transactions Gasoline Supermarkets Education Trans. Date Apr 24 Apr 21 Post Date Apr 24 Apr 21 SUNOCO MECHANICSBURGPA GIANT 6263 ENOLA PA 010021 Apr 22 Apr 22 GIANT 6263 ENOLA PA 010137 Apr 20 Apr 20 EMBRY RIDDLE AERONAUTICA DAYTONA FL $ 41.35 8.07 2.00 1,317.41 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC•VER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadoble, password protected statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. • Sign up today at Discover.com /paperless ©2010 Discover Bank, Member FDIC Transactions (cont.) Trans. Post Date Date Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 0.00 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 $ 0.00 TOTAL INTEREST CHARGED IN 2012 0.00 Questions? Visit www.Discover.com or call 1 -800- DISCOVER (1-800-347-2683). DISCOVER' It pays to DISCOVER SOLOMON LEE Account number ending in 3125 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 43 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE (APR) INTEREST RATE Purchases 0.00% $0 $0 Cash Advances 23.99% V $0 $0 V = Variable Rate Information For You Every time you use your Discover(R) card, you earn cash rewards automatically. Use your card for everyday purchases, monthly bill payments or for something special. Make your money worth more — today and every dayl Need Cash? Whether its for an unexpected bill or an emergency car repair, Discover(R) card can always help. Get cash at ATMs nationwide or have money deposited directly into your bank account. Visit Discover.com /cash to find out more. 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. 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, 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 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. 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 payment. If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be. You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. law. You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount. If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. If your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the periodic statement based on credits or payments after the Closing Date. If you enroll by phone in our automatic payment service, please fill -in the following blanks below and retain the authorization for your records. Amount: Full Pay ❑Min Pay L] Min Pay + $ - ❑ Fixed Pay$ Bank Routing #: ; Bank Account #: ; Frequency: Credit Reporting. We may report information about your Account to credit bureaus. late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If ou believe that our report is inaccurate or incomplete, please write us at the following address: Discover, PO Box 15316, Wilmington, DE 19850.5316. Please indicate your name, address, home telephone number and Account number. Paying Interest We begin to impose interest charges on a transaction fee or interest charge from the day we add it to the daily balance. We continue to impose interest charges until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest on Balance Transfers or Cash Advances. How to Avoid 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 doily balances during the billing period. Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of $1.00 or more after 6 months, or as otherwise required by applicable law. For TDD (Telecommunications Device for the Deaf) assistance, please call 1- 800-347 -7449. Discover may monitor and /or record telephone calls between you and Discover representatives For quality assurance purposes. The Discover ®card is issued by Discover Bank, Member FDIC RZNFE001 Questions? Visit www,Discover.com or call 1 -800- DISCOVER (1-800-347-2683). DISCSVER New Balance 51,525.63 SOLOMON LEE 1 1 E BEALE AVE ENOLA PA 17025 -2804 Minimum Payment Due 585.00 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 3125 Enter Amount Enclosed Below Please make check ayable to Discover Card. You are overlimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $25.63. PO BOX 71084 CHARLOTTE NC 28272 -1084 000001986451061712114015256300000000008500 Opening Date: May 28, 2012 Closing Date: June 27, 2012 Discover More Card Account Summary Account number ending in 3125 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $1,368.83 0.00 + 131.80 + 0.00 + 0.00 + 25.00 + 0.00 $1,525.63 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $1,500.00 $0.00 $100.00 $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 Anniversary Month April $ 3.42 + 0.32 Cashback Bonus Balance To learn more, on in or www.Discover.com 3.74 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 Minimum Payment Due" Payment Due Date *Includes past due amount of $40.00 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. $1,525.63 $85.00 July 22, 2012 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 rtc+ addrtionz charges using this card and each month you pay: You will pay aff tfte balati a slt tv ti' oti thin statement tit ±about. And io i F. end !. up payint an estimated total i f. Only the minimum payment 4 years $1,930 f you would like information about credit counseling services, call 1- 800 -347 -1121. Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth moreSM —find easy ways to earn and redeem cash rewords NEW! Access your account securely through your mobile phone Transactions Warehouse Clubs Trans. Date Jun 3 Post Date Jun 3 BJ WHOLESALE #0025 CAMP HILL PA $ 131.80 Fees Jun 22 Jun 22 LATE FEE TOTAL FEES FOR THIS PERIOD $ 25.00 25.00 Interest Charged TOTAL INTEREST FOR THIS PERIOD 0.00 NOTICE: SEE REVERSE SIDE TOR 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 ©2010 Discover Bank, Member FDIC PAPER.0310 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 $ 25.00 TOTAL INTEREST CHARGED IN 2012 0.00 Questions? Visit www.Discover.com or call 1 -800- DISCOVER (1- 800 - 347- 2683). DISCOVER' It Pays to DISCOVER SOLOMON LEE Account number ending in 3125 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 0.00% $1,475.12 $0 Cash Advances 23.99% V $0 $0 V = Variable Rate Information For You With Discover(R) Giving, its 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 todayl Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately) Call 1-800-347-2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at: Discover, PO Box 30421, Salt Lake City, UT 84130-0421. In your letter, give us the following information: Account information; Your name and account number. Dollar amount: The dollar amount of the suspected error. Description of Problem' If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error, the following are true: We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest,or other fees related to that amount. While you do not have to pay the amount in question, you are responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit. Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have fried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1, The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Discover, PO Box 30945, Salt Lake City, UT 841300945 While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. Payments. You may pay all or part of your Account balance at any time. However, you must pay at least the Minimum Payment Due by the Payment Due Date. Send only your payment and the top portion of this statement in the envelope provided. Do not send cash. By sending your check as described above, you authorize us to use information on your check to make an electronic Fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. If payment is processed as an electronic fund transfer, the transfer will be for the amount of the check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the some day we receive your payment, and you will not receive your check back from your financial institution. The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment fo any other address or if you use an envelope other than the one provided, Payments received in proper form at our processing Facility by 5PM local time on any day will be credited to your Account as of that day. Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103 Carol Stream, IL 60197-6103. Please allow 7.10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC•VER You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you con setup automatic payments through a customer service representative by calling 1.800. 347 -2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment date (e.g., the 15th day of the month) that occurs before your Payment Due Date. If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4) digits of the social security number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account. You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1- 800 - 347.2683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 84130-0421; however we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be. You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. law, You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a Fixed dollar amount. If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. It your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance. Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credits or payments after the Closing Date. If you enroll by phone in our automatic payment service, please Fill -in the following blanks below and retain the authorization for your records, Amount: ❑ Full Pay ❑ Min Pay ❑ Min Poy + $ ❑ Fixed Pay$ Bank Routing #: ; Bank Account #: ; Frequency: Credit Reporting. We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. IF ou believe that our report is inaccurate or incomplete, please write us at the following address: Discover, PO Box 15316, Wilmington, DE 19850.5316. Please indicate your name, address, home telephone number and Account number. Paying Interest We begin to impose interest charges on a transaction fee or interest charge from the day we add it to the daily balance. We continue to impose interest charges until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest on Balance Transfers or Cash Advances. 11• t. A .i. "r ' . e =s . r ' r Bases ( "Grace Period ") If you paid the New alance 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 Palmed' May Ii pact 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 odd up all the doily interest charges. The sum is the total interest charge for the billing period. How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category. We add Cash Advance Fees to the applicable Cash Advance Transaction Category. We add all other fees to the standard Purchase Transaction Category. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the 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 TOO (Telecommunications Device for the Deaf) assistance, please call 1.800- 347 -7449. Discover may monitor and /or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover °card is issued by Discover Bank, Member FDIC RZNFEOO1 Questions? Visit www.Discover.com or call 1- 800 - DISCOVER (1- 800 - 347 - 2683). DISCOVER New Balance $1,492.30 SOLOMON LEE 11 E BEALE AVE ENOLA PA 17025 -2804 Minimum Payment Due $40.00 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 3125 Enter Amount Enclosed Below Pay online at www.Discover.com or make check payable to Discover. Phone and Internet payments must be made by 5:00pm ET for same day posting. PO BOX 71084 CHARLOTTE NC 28272 -1084 000001986451061712114014923000000000004000 Opening Date: June 28, 2012 - Closing Date: July 27, 2012 Discover More Card Account Summary Account number ending in 3125 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $1,525.63 200.00 + 166.67 + 0.00 + 0.00 + 0.00 + 0.00 $1,492.30 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $1,500.00 $7.00 $100.00 $7.00 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 Anniversary Month April 3,74 + 0.41 Cashback Bonus Balance To learn more, log in at www.Discover.com 4.15 3 Easy Ways to Contact Us 1. Access your account securely at www.Discovercom 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 $1,492.30 Minimum Payment Due $40.00 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 ri nse na 0:0)00:09) r< ugi;ig th s'cot :.:. eacl! > :chili Only the minimum payment 4 years $1,941 $52 3 years $1,862 (Savings = $79 ) f you would like information about credit counseling services, call 1. 800.347.1121. Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth moreSM —find easy ways to earn and redeem cash rewards NEW! Access your account securely through your mobile phone Transactions Payments and Credits Trans. Post Dote Date Jul 3 Jul 3 INTERNET PAYMENT - THANK YOU $ - 200.00 Supermarkets Jul 23 Jul 23 GIANT 6263 ENOLA PA 02340R Warehouse Clubs Jul 22 Jul 22 BJ WHOLESALE #0025 CAMP HILL PA $ 30.14 136.53 Fees TOTAL FEES FOR THIS PERIOD $ 0,00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER' Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadable, password protected statements. • See your statement as soon os its 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 todoy at Discover.com /paperless 02010 Discover Bank, Member FDIC PAPER 0310 Transactions (cont.) Trans. Post Data Date Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 0.00 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 $ 25.00 TOTAL INTEREST CHARGED IN 2012 0.00 Questions? Visit www.Discover.com or call. 1- 800 - DISCOVER (1- 800 -347- 2683), DISCOVER pays DISCOVER SOLOMON LEE Account number ending in 3125 page 2 of 2 interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 30 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE (APR) INTEREST RATE Purchases 0.00% $1,391.27 $0 Cash Advances 23.99% V $0 $0 V = Variable Rate Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately! Call 1- 800 - 347 -2683. What To Do If You Think Yov Find A Mistake On Your Statement If you think there is an error on your statement, write to us at: Discover, PO Box 30421, Salt 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 Dissatis ied W You Credit Card ' , rchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be hue: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in 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 +o 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 farm at our processing facility by 5PM local time on any day will be credited to your Account as of that day. Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day. IF you have misplaced your envelope, send your payment to Discover, PO Box 6103 Carol Stream, IL 60197 -6103. Please allow 7.10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you con setup automatic payments through a customer service representative by calling 1 -800- 347 -2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment dote (e.g., the 15th day of the month) that occurs before your Payment Due Date. If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4) digits of the social security number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account. You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1-800-347.2683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 84130.0421; however we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be. You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. law. You can set-automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (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 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 Pay ❑ Min Pay + $ ❑ Fixed Pay$ Bank Routing #: ; Bank Account #: ; Frequency: Credit Reporting. We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at the following address: Discover, PO Box 15316, Wilmington, DE 19850 -5316. Please indicate your name, address, home telephone number and Account number. Paying Interest We begin to impose interest charges on a transaction fee or interest charge from the day we add it to the daily balance. We continue to impose interest charges until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest on Balance Transfers or Cash Advances. ■• a it• r ; ;s +i ' r•s= "G +e. If you paid the New valance 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 Moy Impact Your Grace Period If you do not pay your New Balance in Full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases. How We Cakulate Interest Charges - Daily Balance Method (including current transactions): We calculate interest charges each billing period by first figuring the "daily balance" for each Transaction Category. Transaction Categories include standard Purchases, standard Cash Advances and different promotional balances, such as Balance Transfers. How We Figure the 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 doily periodic rate, we divide the APR that applies to the Transaction Category by 365. We add up all the doily interest charges. The sum is the total interest charge for the billing period. How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category. We add Cash Advance Fees to the applicable Cash Advance Transaction Category. We add all other fees to the standard Purchase Transaction Category. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement. "A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of $ 1.00 or more after 6 months, or as otherwise required by applicable law. For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover ®card is issued by Discover Bank, Member FDIC RZNFE001 Questions? Visit www.Discover.com or call 1- 800 - DISCOVER (1 -800- 347 - 2683). DISCOVER New Balance $1,527.30 SOLOMON LEE 11 E BEALE AVE ENOLA PA 17025 -2804 Minimum Payment Due $95.00 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 3125 Enter Amount Enclosed Below Please make check payable to Discover Card. You are overlimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $27.30. PO BOX 71084 CHARLOTTE NC 28272 -1084 000001986451061712114015273000000000009500 Opening Date: July 28, 2012 - Closing Date: August 27, 2012 Discover More Card Account Summary Account number ending in 3125 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $1,492.30 0.00 + 0,00 + 0.00 + 0.00 + 35.00 + 0.00 $1,527.30 See Interest Charge Calculation section following transactions For detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $1,500.00 $0.00 $100.00 $0.00 You may be able to avoid Interest Charges, see Additional Important Information for details. Cashback Bonus® Opening Cashback Bonus Balance New Cashbook Bonus This Period Anniversary Month April $ 4.15 + 0.00 Cashback Bonus Balance To learn more, log in of www.Discover.com 4.15 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 Minimum Payment Due` Payment Due Date `Includes past due amount of $40.00 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. $1,527.30 $95.00 September 22, 2012 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: I f you1 make no ';'; acfdstt t chart s < usrng this card arid each month you pay You will pay off the balance 811 #wti: < it thta statement tri . about.:. .#4'.40:'i::::''' u will: end.::.,; u} payln an esiimated total of . Only the minimum payment 4 years $1,995 f you would like information about credit counseling services, call 1-800-347-1121. Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth moreSM —find easy ways to earn and redeem cash rewards NEW! Access your account securely through your mobile phone Transactions Fees Trans. Post Date Date Aug 22 Aug 22 LATE FEE TOTAL FEES FOR THIS PERIOD 35.00 35.00 interest Charged TOTAL INTEREST FOR THIS PERIOD $ 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadable, password protected statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. • Sign up today at Discover.com /paperless 02010 Discover Bank, Member FDIC PAPER.0310 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 60.00 TOTAL INTEREST CHARGED IN 2012 0.00 Questions? Visit www.Discover.com or call 1- 800 - DISCOVER (1-800-347-2683). DISC•VER It pays lo DISCOVER SOLOMON LEE Account number ending in 3125 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 31 days TYPE OF BALANCE Purchases Cash Advances V = Variable Rate ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE (APR) INTEREST RATE 0.00% $1,492.30 $0 23.99% V $0 $0 Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediatelyl Call 1.800.347 -2683. 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. Dour '•n •f • •rf= ,• 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 lo the disputed amount as discussed above. After we finish our investigation, we will tell you our decision, At that point, if we think you owe an amount and you do not pay we may report you as delinquent. Payments. You may pay all or part of your Account balance at any time. However, you must pay at least the Minimum Payment Due by the Payment Due Date. Send only your payment and the top portion of this statement in the envelope provided. Do not send cash. By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. If payment is processed as an electronic Fund transfer, the transfer will be For the amount of the check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back From your financial institution. The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use on envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account os of that day. Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103 Carol Stream, 11 60197.6103. Please allow 7-10 days for delivery. IF your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC•VER You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1- 800 - 347 -2683. Automatic payments will be deducted on the Payment Due Data 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 pa ment you authorize, in the amount selected by you, from your bank account. You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1. 800.347.2683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 84130.0421; however we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be. You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. law. You con set automatic payments Far: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount. If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement; your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cordmember Agreement. If your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance. Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credits or payments after the Closing Date. If you enroll by phone in our automatic payment service, please fill -in the following blanks below and retain the authorization for your records. Amount: ❑ Full Pay ❑ Min Pay ❑ Min Pay + $ ❑ Fixed Pay$ Bank Routing #: ; Bank Account #: ; Frequency: Credit Reporting. We may report information about your Account to credit bureaus, Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at the following address: Discover, PO Box 15316, Wilmington, DE 19850 -5316. Please indicate your name, address, home telephone number and Account number. Paying Interest We begin to impose interest charges on a transaction fee or interest charge from the day we add it to the daily balance. We continue to impose interest charges until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot ovoid paying interest on Balance Transfers or Cash Advances. t. .4r• ,t_: •r• r•= •e•_iod ") If you paid the New :glance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement. New Purchases are Purchases that first appear on the current billing statement. 1Jow_\Ln Apply Payments May Imp>ari 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 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 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 RZNFEool Questions? Visit www.Discover.com or call 1- 800 - DISCOVER (l - 800.347- 2683). DISCIVER New Balance $1,427.30 SOLOMON LEE 11 E BEALE AVE ENOLA PA 17025 -2804 Minimum Payment Due $40.00 Payment Due Date October 22, 2012 Address, e-mail or telephone change? Go to www.Discover.com or print change in space above. Account Number ending in 3125 Enter Amount Enclosed Below Pay online at www.Discover.com or make check payable to Discover, Phone and internet payments must be made by 5:00pm ET For some day posting. PO BOX 71 084 CHARLOTTE NC 28272 -1084 000001986451061712114014273000000000004000 Opening Date: August 28, 2012 - Closing Date: Septem Discover More Card Account Summary Account number ending in 3125 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $1,527.30 100.00 + 0.00 + 0.00 + 0.00 + 0.00 + 0.00 $1,427.30 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $1,500.00 $72.00 $100.00 $72.00 You may be able to avoid Interest Charges, see Additional Important Information For details. Cashback Bonus® Opening Cashback Bonus Balance New Cashbook Bonus This Period Anniversary Month April $ 4.15 + 0.00 Cashback Bonus Balance $ 4.15 To learn more, log in of www.Discover.com 3 Easy Ways to Contact Us 1. Access your account securely at www.Discover.com 2. Coll 1- 800 - DISCOVER (1- 800 - 347 -2683) Please have your 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. 27, 2012 pa 1 of 2 Payment Information New Balance Minimum Payment Due Payment Due Date $1,427.30 $40.00 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: 1Fyot hake r 44.0410.641: :00 us! this'..:.. up,pdyin .euttmatei Only the minimum payment 4 years $1,890 $50 3 years $1,806 (Savings = $84) 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 NEW! Access your account securely through your mobile phone Transactions Payments and Credits Fees Interest Charged Trans. Post Date Date Aug 31 Aug 31 INTERNET PAYMENT - THANK YOU $ - 100.00 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 its available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. • Sign up today at Discover.com /paperless (02010 Discover Bank, Member FDIC PAPER.0310 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 $ 60.00 TOTAL INTEREST CHARGED IN 2012 0.00 Questions? visit www.Discover.com or call 1 -800- DISCOVER (1- 800 - 347 - 2683). DISCOVER: It pays to DISCOVER SOLOMON LEE Account number ending in 3125 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rote (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 0.00% $1,436.97 $0 Cash Advances 23.99% V $0 $0 V = Variable Rate Information For You "Discover Home Loans State Licensing Info" Not all applicants are approved. Terms and conditions apply. AZ Mortgage Banker LIC No, 0919392; Licensed by the Dept of Corporations under the CA Residential Mortgage lending Act; Regulated by the CO Division of Real Estate; GA Residential Mortgage Licensee #33265; IL Residential Mortgage Licensee #MB.6760852 -Dept of Financial Regulation, 100 W Randolph, 9th Floor, Chicago, 11 60601; MA Mortgage lender & Mortgage Broker UC #MC837915; Licensed by the MS Dept of Banking and Consumer Finance; Licensed by the NH Banking Dept; NJ Residential Mortgage Lender UC; OH Mortgage Broker Act Mortgage Banker Exemption #MBMB.850150.000; OR Mortgage Lender LIC #M1.5100; Licensed by the PA Dept of Banking; VA Exempt Company Registration; Licensed in WA under the name of DFS HL Inc., Consumer Loan LIC #CL- 837915; Discover Home Loans, Inc.'s NMLS #837915, Not available in NV, NY & RI Additional Important Information See your Cardmember Agreement, Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately) Call 1 -800- 347 -2683, What To Do if You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at: Discover, PO Box 30421, Salt Lake City, UT 84130-0421. In your letter, give us the following information: Account information: Your name and account number. Dollar amount. The dollar amount of the suspected error. Description of Problem. If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been 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 far 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: I. 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 writi g 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, 11.60197-6103. Please allow 7.10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling • I-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 (41 digits of the social security number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account. You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment. You can cancel o scheduled payment by phone at 1-800-347-2683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 84130-0421; however we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be. You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. law. You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount. If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due, If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. It your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance, Your automatic payment amount may be less than the amount indicated on the periodic statement based on credits or payments after the Closing Date. If you enroll by phone in our automatic payment service, please fill -in the following blanks below and retain the authorization for your records. Amount: ❑ Full Pay ❑ Min Pay ❑ Min Pay + $ ❑Fixed Pays Bank Routing #: ; Bank Account #: ; Frequency: Credit Reporting. We may report information about your Account to credit bureaus. late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If ou believe that our report is inaccurate or incomplete, please write us at the following address: Discover, PO Box 15316, Wilmington, DE 19850 -5316. Please indicate your name, address, home telephone number and Account number. Paying Interest: We begin to impose interest charges on a transaction fee or interest charge from the day we add it to the daily balance. We continue to impose interest charges until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest on Balance Transfers or Cash Advances. 1±ow 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)Ne Applv_Payments May Impact Your Grace Period If you do not pay your New Balance in Full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases. How We Calculate Interest Charges - 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 Discover ®card is issued by Discover Bank, Member FDIC RZNFE001 Questions? Visit www.Discover.com or call 1 -800- DISCOVER (1- 800 - 347 - 2683). DISCOVER' New Balance $ 1,407.09 SOLOMON LEE 1 1 E BEALE AVE ENOLA PA 17025 -2804 Minimum Payment Due $40.00 Payment Due Date November 22, 2012 Address, e-mail or telephone change? Go to www.Discover.com or print change in space above. Account Number ending in 3125 Enter Amount Enclosed Below Pay online at www.Discover.com or make check payable to Discover. Phone and internet payments must be made by 5:00pm ET for same day posting. PO BOX 71084 CHARLOTTE NC 28272 -1084 000001986451061712114014070900000000004000 Opening Date: September 28, 2012 - Closing Date: October 27, 2012 Discover More Card Account Summary Account number ending in 3125 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $1,427.30 90.00 + 69.79 + 0.00 + 0.00 + 0.00 + 0.00 $1,407.09 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $1,500.00 $92.00 $100.00 $92.00 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 Anniversary Month April $ 4.15 + 0.17 Cashback Bonus Balance $ 4,32 To learn more, tog in at www.Discover.com 3 Easy Ways to Contact Us 1. Access your account securely at www.Discover.com 2. Call 1-800-DISCOVER (1-800-347-2683) Please have your Discovers card available. 3. Write to us at Discover, PO Box 30943, Salt lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197.6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449. page 1 of 2 Payment Information New Balance Minimum Payment Due Payment Due Date $1,407.09 $40.00 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: Only the minimum payment 4 years $1,889 $50 3 years $1,793 (Savings = $96 ) 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 NEW! Access your account securely through your mobile phone Transactions Payments and Credits Trans. Post Date Date Oct 22 Oct 22 INTERNET PAYMENT - THANK YOU $ -40.00 Oct 23 Oct 23 INTERNET PAYMENT - THANK YOU -50.00 Warehouse Clubs Oct 21 Oct 21 BJ WHOLESALE #0025 CAMP HILL PA $ 69.79 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER' Paper less statements mean less clutter, more convenience Easily access up to 24 months of downloadoble, password protected statements. • See your statement as soon as its available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. • Sign up today at Discover.com/paperless 02010 Discover Bank, Member FDIC PAPER.03 10 2012 Totals Year-to-Date TOTAL FEES CHARGED IN 2012 $ 60.00 TOTAL INTEREST CHARGED IN 2012 0.00 Questions? Visit www.Discover.com or call 1-800-DISCOVER (1-800-347-2683). DISCOVER It pays to DISCOVER SOLOMON LEE Account number ending in 3125 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 Cash Advances V = Voriable Rate ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE (APR) INTEREST RATE 0.00% $1,427.24 $0 23.99% V $0 $0 Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediatelyl Coll 1- 800 - 347 -2683. 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. sc . t 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, 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: I. 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 an any day will be credited to your Account as of that day. Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103 Carol Stream, IL 60197-6103. Please allow 7-10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCIVER You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1- 800 - 347 -2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring ent date (e.g., the 15th day of the month) that occurs before your Payment Due Date. If your scheduled payment date falls a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4) digits of the social security number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account. You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1-800-347-2683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 84130-0421; however we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be. You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. law. You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount. If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. If your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance, Your automatic payment amount may be less than the amount indicated on the periodic statement based on credits or payments after the Closing Date. If you enroll by phone in our automatic payment service, please fill -in the following blanks below and retain the authorization for your records. Amount: ' ❑ Full Pay ❑ Min Pay ❑ Min Pay + $ ❑ Fixed 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 ou believe that our report is inaccurate or incomplete, please write us at the following address: Discover, PO Box 15316, Wilmington, DE 19850-5316. Please indicate your name, address, home telephone number and Account number. Paying Interest: We begin to impose interest charges on a transaction fee or interest charge from the day we add it to the daily balance. We continue to impose interest charges until you pay the total amount you owe us. You can ovoid paying interest on Purchases as described below. However, you cannot avoid paying interest on Balance Transfers or Cash Advances. ■• • pv•• • 41• I = •I • Of If you paid the New :glance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement. New Purchases are Purchases that first appear on the current billing statement. How We Apply Payments May Impact Your Grace Period If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases. How We 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 rote. We do this for each day in the billing period. This gives us the interest charges for each Transaction Category. To get a daily periodic rate, we divide the APR that applies to the 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 RZNFEO01 Questions? Visit www.Discover.com or call 1- 800 - DISCOVER (1- 800 - 347 - 2683). DISCOVER New Balance $1,442.09 SOLOMON LEE 11 E BEALE AVE ENOLA PA 17025 -2804 Minimum Payment Due $95.00 Payment Due Date December 22, 2012 Address, e-mail or telephone change? Go to www.Discover.com or print change in space above. Account Number ending in 3125 Enter Amount Enclosed Below Please make check payable to Discover Card. Minimum yment due includes a past due amount of $40.00. Phone and internet payments must be made by 5:00pm ET for same day posting. PO BOX 71084 CHARLOTTE NC 28272 -1084 000001986451061712114014420900000000009500 Opening Date: October 28, 2012 - Closing Date: November 27, 2012 Discover More Card Account Summary Account number ending in 3125 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $1,407.09 0.00 + 0.00 + 0.00 + 0.00 + 35.00 + 0.00 $1,442.09 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit line Available $1,500.00 $57.00 $100.00 $57.00 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 Anniversary Month April $ 4.32 + 0.00 Cashback Bonus Balance $ 4.32 To learn more, log in or www.Discover.com 3 Easy Ways to Contact Us 1. Access your account securely at www.Discover.com 2. Call 1- 800 - DISCOVER (1. 800. 347 -2683) Please have your Discover® card available. 3. Write to us 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 Minimum Payment Due* Payment Due Date *Includes post due amount of $40.00 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. • $1,442.09 $95.00 December 22, 2012 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 nn d It os bi it1sor8S <> '' sad h:i:m6nth Ycu will pay.nff the 0 th s st ><> > flits atcaametfi:.::::..:. And yov wiItadd est mete ifotal d ::::::.:::::::::.::::.::::::::: Only the minimum payment 4 years $1,943 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 Fees Trans. Post Date Date Nov 22 Nov 22 LATE FEE TOTAL FEES FOR THIS PERIOD $ 35.00 35.00 Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadoble, password protected statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. • Sign up today at Discover.com /paperless 02010 Discover Bank, Member FDIC PAPER.0310 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 $ 95.00 TOTAL INTEREST CHARGED IN 2012 0.00 Questions? Visit www.Discover.com or call 1 -800- DISCOVER (1- 800 - 347 - 2683). DISCOVER It pays to DISCOVER SOLOMON LEE Account number ending in 3125 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 0.00% $1,407.09 $0 Cash Advances 23.99% V $0 $0 V = Variable Rate Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately) Call 1- 800 - 347 -2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at: Discover, PO Box 30421, Salt Lake City, UT 84130-0421. In your letter, give us the following information: Account information- Your name and account number. Dollar amount; The dollar amount of the suspected error. Description of Problem• If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in_wrifing. 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 RicifitLif 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 far delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER' You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1-800-347-2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment date (e.g., the 15th day of the month) that occurs before your Payment Due Date. If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4) digits of the social security number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account. You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1-800-347-2683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 84130-0421; however we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be. You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. law. You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount. If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment For that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. If your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the periodic statement based on credits or payments after the Closing Date. If you enroll by phone in our automatic payment service, please fill -in the following blanks below and retain the authorization for your records. Amount: ❑ Full Pay ❑ Min Pay ❑ Min Pay + $ ['Fixed Pay$ Bank Routing #: ; Bank Account #: ; Frequency: Credit Reporting. We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at the following address: Discover, PO Box 15316, Wilmington, DE 19850 -5316. Please indicate your name, address, home telephone number and Account number. Paying Interest: We begin to impose interest charges on a transaction fee or interest charge from the day we add it to the daily balance. We continue to impose interest charges until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest on Balance Transfers or Cash Advances. How to Avoid Paying Interest on Purchases ( "Grace Period ") If you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement. New Purchases are Purchases that first appear on the current billing statement. How We App y.?gymentsMay 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 Discover ®card is issued by Discover Bank, Member FDIC RZNFE001 Questions? Visit www.Discover.com or call 1 -800- DISCOVER (1- 800 - 347 - 2683). DISCOVER New Balance $1,477.09 SOLOMON LEE 11 E BEALE AVE ENOLA PA 17025 -2804 Minimum Payment Due $150.00 Payment Due Date January 22, 2013 Address, e-mail or telephone change? Go to www.Discover.com or print change in space above. Account Number ending in 3125 Enter Amount Enclosed Below Please make check payable to Discover Card. Minimum payment due includes a past due amount of $95.00. Phone and internet payments must be made by 5:00pm ET for same day posting. PO BOX 71084 CHARLOTTE NC 28272 -1084 000001986451061712114014770900000000015000 Opening Date: November 28, 2012 - Closing Date: December 27, 2012 Discover More Card Account Summary Account number ending in 3125 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $1,442.09 0.00 + 0.00 + 0.00 + 0.00 + 35.00 + 0.00 $1,477.09 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $1,500.00 $22.00 $100.00 $22.00 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 Anniversary Month April $ 4.32 + 0.00 Cashback Bonus Balance $ 4.32 To learn more, log in at www.Discover.com - 3 Easy Ways to Contact Us 1. Access your account securely at www.Discover.com 2. Call 1- 800 - DISCOVER (1- 800 - 347.2683) Please have your Discovers card available. 3. Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197-6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1. 800 -347 -7449. page 1 of 2 Payment Information New Balance Minimum Payment Due' Payment Due Date `Includes past due amount of $95.00 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. $1,477.09 $150.00 January 22, 2013 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: '':::ni °4: l `< tonril {cfin'r:'. e':i ii ?. is" n af<s'card:oiid:'.'. ?'s`' 8::;;;;;;;;;;;: >;; ;;;;;;;;;;,;;; etic h ?rriontkr.;:AUs> Y u wil a3t.l, . `e bplGtC@ Sl4W:0 <Ci1 .:....:........ kf }ls EFati3ii @?tEil<;;:; 'ii d'you>vVill >end ... estimated ;:;;;::;;:;;;: Only the minimum payment 4 years $1,998 F you would like information about credit counseling services, call 1-800-347-1121. Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth moresM —find easy ways to earn and redeem cash rewards NEW! Access your account securely through your mobile phone Transactions Fees Trans. Date Dec 22 Post Date Dec 22 LATE FEE TOTAL FEES FOR THIS PERIOD $ 35.00 35.00 Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER' Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadoble, password protected statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. • Sign up today at Discover.com /paperless 02010 Discover Bank, Member FDIC PAPER.0310 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 TOTAL INTEREST CHARGED IN 2012 $ 130.00 0.00 Questions? Visit www.Discover.com or call 1- 800 - DISCOVER (1- 800 - 347 - 2683. DISCOVER' It pays to DISCOVER' SOLOMON LEE Account number ending in 3125 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 30 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE (APR) INTEREST RATE Purchases 0.00% $1,442.09 $0 Cash Advances 23.99% V $0 $0 V = Variable Rate Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately) Call 1-800-347-2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at: Discover, PO Box 30421, Salt Lake City, UT 84130-0421. In your letter, give us the following information: Account information- Your name and account number. Dollar amount: The dollar amount of the suspected error. Description of Problem• If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error, the following are true: We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. While you do not have to pay the amount in question, you are responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit. Your Rights if You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Discover, PO Box 30945, Salt Lake City, UT 84130-0945 While we investigate, the some rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. Payments. You may pay all or part of your Account balance at any time. However, you must pay at least the Minimum Payment Due by the Payment Due Date. Send only your payment and the top portion of this statement in the envelope provided. Do not send cash. By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. If payment is processed as an electronic fund transfer, the transfer will be for the amount of the check. When we use information From your check to make an electronic fund transfer, funds 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. 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, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount. If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. It your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the periodic statement based on credits or payments after the Closing Date. If you enroll by phone in our automatic payment service, please fill -in the following blanks below and retain the authorization for your records. Amount: ❑ Full Pay ❑ Min Pay ❑ Min Pay + $ • ❑ Fixed Pay$ Bank Routing #: ; Bank Account #: ; Frequency: Credit Reporting. We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at the following address: Discover, PO Box 15316, Wilmington, DE 19850 -5316. Please indicate your name, address, home telephone number and Account number. Paying Interest We begin to impose interest charges on a transaction fee or interest charge from the day we add it to the daily balance. We continue to impose interest charges until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest on Balance Transfers or Cash Advances. 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 AppITPayments MayhDact 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 Discover®card is issued by Discover Bank, Member FDIC RZNFE001 Questions? Visit www.Discover.com or call 1-800-DISCOVER (1- 800 - 347 - 2683). DISCOVER ACCOUNT SUMMARY Previous Balance Payments and Credits Purchases Balance Transfers Cosh Advances Fees Charged Interest Charged New Balance $ 1,477.09 $100.00 + $0.00 + $0.00 + $0.00 + $35.00 + $0.00 $1,412.09 See Interest Charge Calculation section following the Transactions section for detailed APR information Credit Line Credit Line Available Cosh Advance Credit Line Cash Advance Credit Line Available You may be able to ovoid interest on Purchases. See reverse for details. $1,500 $87 $100 $87 Contact Us Discover.com 1- 800 - 347 -2683 L Please make check payable to Discover. You ore nearing your credit line; call today to apply for a line increase. Phone and internet payments must be made by 5:00pm ET for same day posting. Make Check payable to Discover. Please fold an the perforation below, detach and return with your payment. IIII II I Ii �yC)nitr�e° scoverrcom`Y IiIIII II'II111 I IIII'I11 11111111111 1 II'III IIIIIII SOLOMON LEE 11 E BEALE AVE ENOLA PA 17025 -2804 Discover More Card Account number ending in 3125 Open Dote: Dec 28, 2012- Close Dote: Jan 27, 2013 Cardmember Since 2012 Page 1 of 4 PAYMENT INFORMATION New Balance Minimum Payment Due * Payment Due Dote Includes past due amount of: $1,412.09 $105.00 February 22, 2013 $50.00 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay o late fee of up to $35.00 and your purchase and balance transfer APRs for new transactions may be increased up io 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 lake you longer to pay off your balance. For example: end uF hmdtid tot Only the minimum payment 5 years $2,036 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 April $ 4.32 + 5 0.00 — $ 4.32 $ 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Phone and Internet payments must be received by 5PM ET to be credited as of the same day. Address, e-mail or telephone changed? Note changes on reverse side. Account number ending in 3125 Minimum Payment Due $105.00 New Balance $1,412.09 Payment Due Date February 22, 2013 Amount enclosed PO BOX 71 084 CHARLOTTE NC 28272-1084 �I�IIIIII�IItII�IIII iiIIIt111111 1111tiIII�II�I j ill�lii��! II 000001986451 061712114014120900185910010500 SOLOMON LEE Account number ending in 3125 Important Information See your Cardmember Agreement. Your Cordmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately! Call 1 -800- 347 -2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is on error on your statement, write to us at: Discover, PO Box 30421, Salt Lake City, UT 84130 -0421. You must write to us within 60 days after the error appeared on your statement. You may call us, but if you do we are not required to investigate any potential errors, and you may hove to oay the amount in question. The Billing Rights Notice further explains your rig-its. A copy of this notice is available at www.Discover.com. Payments. You may pay all or port of your Account balance at any time. However, you must pay at least the Minimum Payment Due by the Payment Due 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 as an electronic fund transfer, the transfer will be for the amount of the check. When we use informotion from your check to make on electronic fund transfer, funds may be withdrawn from your account as soon os the some day we receive your payment, and you will not receive your check 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 as of that day. Payments received of our processing facility after 5PM local time will be credited to your Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197.6103. Please allow 7.10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1- 800 - 347 -2683. Automatic payments for the billing period shown on your statement will be deducted on the Payment Due Dote shown on that statement, or the next automatic payment dote referred to on your stotement, unless you request a recurring payment dote (e.g., the 15th day of the month) that occurs before your Payment Due Dote or Close Date. If your scheduled payment dote falls on o weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4) digits of the social security number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account. You also authorize us to initiate debit or credit entries to your bank account, os applicable, to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1- 800 - 347.2683 or by mail at Discover, PO Box 30421, Solt Lake City, UT 84130 -0421; however, we must receive notice at least three business Boys 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 Dote: 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. law. You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) Other dollar amount. If your scheduled "Other dollar amount" payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be 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 indicoted on the billing statement based on credits or payments after the Close Date. If you enroll by phone in our automatic payment service, please fill -in the following blanks below and retain the authorization for your records. Amount: 0 Full Pay 0 Min Pay 0 Min Pay+ $ 0 Other AmountS ; Bank Routing #: Bank Account # Monthly on the 0 Payment Due Date 0 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 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 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 Rote. For more information, please call us at 1. 800 - 347 -2683. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the doily balances during the billing period. Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of $1.00 or more after 6 months, or as otherwise required by applicable law, or upon request mode to the address in the Contact Us section on page 3 of your billing statement. Discover may monitor and /or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® card is issued by Discover Bank, Member FDIC. TL23N If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Street Address City State, Zip Home Phone Work Phone Email To make changes to your address, email or telephone number, visit Discover.com Continued on next page CONTACT US O Web Access your account securely at Discover.com Discover More Card Account number ending in 3125 Open Dote: Dec 28, 2012 - Close Date: Jon 27, 2013 Page 3 of 4 Mobile Manage your account anytime, anywhere ci 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 Moil Payments Discover PO Box 6103 Carol Stream IL 60197-6103 Transactions Trans. Date Post Date Payments and Credits Jan 4 Jon 4 INTERNET PAYMENT - THANK YOU $ -100.00 Fees Jan 22 Jan 22 LATE FEE TOTAL FEES FOR THIS PERIOD 35.00 35.00 Interest Charged TOTAL INTEREST FOR THIS PERIOD 0.00 2013 Totals Year-to-Date TOTAL FEES CHARGED IN 2013 TOTAL INTEREST CHARGED IN 2013 35.00 0.00 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 0.00% $1,399.66 $0.00 Cash Advances 23.99% V $0.00 $0.00 V=Variable Rate NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION SOLOMON LEE Account number ending in 3125 Open Dale: Dec 28, 2012 - Close Date: Jan 27, 2013 Page 4 of 4 ACCOUNT SUMMARY Previous Balance Payments and Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $1,412.09 — $0.00 + $0.00 + $0.00 + $0.00 + $35.00 + $21.74 $1,468.83 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 $1,500 $31 $100 $31 You may be able to avoid interest on Purchases. See reverse for details. - Contact Us Discover.com 1- 800 - 347 -2683 Please make check payable to Discover. You are nearing your credit line; call today to apply for a line increase. Phone and iniernet payments must be mode by 5:00pm ET for same day posting. Make Check payable to Discover. Please fold on the perforation below, detach and return with your payment. Discover More Card Account number ending in 3125 Open Date: Jan 28, 2013- Close Date: Feb 27, 2013 Cordmember Since 2012 Page 1 of 4 PAYMENT INFORMATION New Balance Minimum Payment Due Payment Due Date * Includes past due amount of: $1,468.83 $182.00 March 22, 2013 $105.00 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 it will take you longer to pay off your balance. For example: If you ,make o adddit al:charge using thrs card and each month yoUPay v � t�a.°c, ;You twill pay off ,'t he. balance shown on this ,'.3tateme in about... Aid you will end `up dl. in d',.' an estimated total p1 ..xl`I s Only the minimum payment 5 years $2,072 f you would like information about credit counseling services, call 1- 800 - 347 -1121. REWARDS Cashback Bonus® Opening Balance New Cashback Bonus This Period Redeemed This Period Cashback Bonus Balance To learn more, log in at Discover.com Anniversary Month April $ 0.00 + S 0.00 — $ 0.00 $ 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION I 1 1 1 1 1 1 "'I'II' 1111111111' "I "1 ' 1111 'II'111'1,1 "1'11111111 SOLOMON LEE 1 1 E BEALE AVE ENOLA PA 17025 -2804 Phone and Internet payments must be received by 5PM ET to be credited as of the some day. Address, e-mail or telephone changed? Noie changes on reverse side. Account number ending in 3125 Minimum Payment Due $182.00 New Balance $1,468.83 Payment Due Date Amount enclosed March 22, 2013 $ PO BOX 71084 CHARLOTTE NC 28272 -1084 1111111 1 III 1 1 1111111 1 ' 1111111111111 "'I'11111'1111'11111111111, I' 000001986451061712114014688300102070018200 SOLOMON LEE Account number ending in 3125 Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately! Call 1 -800- 347 -2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at: Discover, PO Box 30421, Salt Lake City, UT 84130 -0421. You must write to us within 60 days after the error appeared on your statement. You may call us, but if you do we are not required to investigate any potential errors, and you may have to pay the amount in question. The Billing Rights Notice further explains your rights. A copy of this notice is available at https : / /discover.com /billingrights. Payments. You may pay all or part of your Account balance at any time. However, you must pay at least the Minimum Payment Due by the Payment Due Date. Send only your payment and the bottom portion of this statement in the envelope provided. Do not send cash. If you pay by check, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. If a payment is processed as on electronic fund transfer, the transfer will be for the amount of the check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day. Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197.6103. Please allow 7.10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as on electronic debit. Payments made online or by phone will be credited as of the day of receipt if made by 5 PM Eastern time. You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1- 800 - 347 -2683. Automatic payments for the billing period shown on your statement will be deducted on the Payment Due Date shown on that statement, or the next automatic payment date referred to on your statement, unless you request a recurring payment date (e.g., the 151h day of the month) that occurs before your Payment Due Date or Close Date. If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the lost four (4) digits of the social security number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account. You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1- 800 - 347 -2683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 84130 -0421; however, we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be. CHANGE OF ADDRESS Open Date: Jan 28, 2013 - Close Date: Feb 27, 2013 Page 2 of 4 You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. low. You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) Other dollar amount. If your scheduled 'Other dollar amount" payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. If your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the billing statement based on credits or payments after the Close Date. If you enroll by phone in our automatic payment service, please fill -in the following blanks below and retain the authorization for your records. Amount: [ Full Pay 0 Min Pay [ Min Pay+ $ 0 Other Amount$ ; Bank Routing #: Bank Account # Monthly on the ❑ Payment Due Date [ Close Date 0 Doy of month (insert date) Credit Reporting. We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at the following address: Discover, PO Box 15316, Wilmington, DE 19850 -5316. Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will not charge you any interest on Purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Date or the first day of the billing period in which the transaction posted to your Account. How We Calculate Interest Charges. We Use the Daily Balance Method (including current transactions) to calculate the Balance Subject to Interest Rate. For more information, please call us at 1- 800 - 347 -2683. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of $1.00 or more after 6 months, or as otherwise required by applicable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Discover may monitor and /or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® card is issued by Discover 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 State, Zip Home Phone Work Phone Email To make changes to your address, email or telephone number, visit Discover.com Continued on next page Discover More Card Account number ending in 3125 Open Date: Jan 28, 2013 - Close Date: Feb 27, 2013 Page 3 of 4 CONTACT US 0 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 0 Mail Payments Discover Discover PO Box 30943 PO Box 6103 Salt Lake City Carol Stream UT 84130 IL 60197 -6103 Transactions Trans. Date Post Date Fees Feb 22 Feb 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 21.74 0.00 0.00 21.74 2013 Totals Year -to -Date TOTAL FEES CHARGED IN 2013 TOTAL INTEREST CHARGED IN 2013 $ 70.00 $ 21.74 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 $1,422.58 $21.74 Cash Advances 23.99% V $0.00 $0.00 V= Variable Rate NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION SOLOMON LEE Account number ending in 3125 Open Date: Jan 28, 2013 - Close Dale: Feb 27, 2013 Page 4 of 4 ACCOUNT SUMMARY Previous Balance Payments and Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $1,468.83 $0.00 $0.00 $0.00 $0.00 $35.00 $20.40 $1,524.23 See Interest Charge Calculation section following the Transactions section for detailed APR information Credit Line Credit Line Available Cosh Advance Credit Line Cash Advance Credit Line Available You may be able to ovoid interest on Purchases. See reverse for details. $1,500 $0 $100 $0 Contact Us Discover.com 1- 800 - 347 -2683 J See "Information For You section for important information regarding Your Billing Rights. Please make check payable to Discover. You are overlimit. Pay the sum of the Minimum Payment Due plus the remaining overlimit amount of $24.23. Make Check payable to Discover. Please fold on the perforation below, detach and return with your payment. Discover More Card Account number ending in 3125 Open Date: Feb 28, 2013- Close Date: Mar 27, 2013 Cardmember Since 2012 Page 1 of 4 PAYMENT INFORMATION New Balance Minimum Payment Due * Payment Due Dote * Includes past due amount of: $1,524.23 $258.00 April 22, 2013 $182.00 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 it will take you longer to pay off your balance. For example: If you make no i odditonal changes using this card and e month �`` you pay:. ", " You will pay off the, balance shown dn:this statement in about:.. An, d you will end up paying-an estimated, total of.. Only the minimum payment 4 years $2,112 f you would like information about credit counseling services, call 1- 800 - 347 -1121. REWARDS Cashback Bonus® Opening Balance New Cashback Bonus This Period Redeemed This Period Cashback Bonus Balance To learn more, log in at Discover.com +$ -$ Anniversary Month April 0.00 0.00 0.00 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Payment Coupon Please do not fold, clip or staple Pay Online Discovercom 1-800-347-2683 11111 11111'11'11111111 11 " ' 11111111111 1111 II'11111111" '11111 SOLOMON LEE 11 E BEALE AVE ENOLA PA 1 7025-28 04 F4 Phone and Internet payments must be received by 5PM ET to be credited as of the same day. Address, e-mail or telephone changed? Note changes on reverse side. Account number ending in Minimum Payment Due New Balance 3125 $258.00 $1,524.23 Payment Due Date Amount enclosed April 22, 2013 $ PO BOX 71 084 CHARLOTTE NC 28272 -1084 IIII I'I�1111111 11 11111111111111�l'llllI Ill'll'lll" "'1' 000001986451061712114015242300638940025800 SOLOMON LEE Account number ending in 3125 Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately! Call 1-800-347-2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at: Discover, PO Box 30421, Solt Lake City, UT 84130 -0421. You must write to us within 60 days after the error appeared on your statement. You may call us, but if you do we are not required to investigate any potential errors, and you may have to pay the amount in question. The Billing Rights Notice further explains your rights. Please see your Cardmember Agreement or visit https : / /discover.com/billingrights for a copy of this notice. Payments. You may pay all or part of your Account balance at any time. However, you must pay at least the Minimum Payment Due by the Payment Due Dole. Send only your payment and the bottom portion of this statement in the envelope provided. Do not send cash. If you pay by check, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. If a payment is processed 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 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 cash, correspondence or other items with your payment, if you send the payment to any other address or if you use on envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local time on any doy 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 601976103. Please allow 7.10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. Payments mode online or by phone will be credited as 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 can setup automatic payments through a customer service representative by calling 1.800- 347.2683. Automatic payments for the billing period shown on your statement will be deducted on the Payment Due Dote shown on that statement, or the next automatic payment dote referred to on your statement, unless you request a recurring payment date (e.g., the 15th day of the month) that occurs before your Payment Due Dote or Close Date. If your scheduled payment date falls on o weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the 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. CHANGE OF ADDRESS f Open Date: Feb 28, 2013 - Close Date: Mar 27, 2013 Page 2 of 4 You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. law. You 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 os listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. 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 offer the Close Date. If you enroll by phone in our automatic payment service, please fill -in the following blanks below and retain the authorization for your records. Amount: 0 Full Pay D Min Pay 0 Min Pay+ $ 0 Other Amount$ ; Bank Routing #: Bank Account # Monthly on the ❑ Payment Due Date ❑ Close Dote 0 Day of month (insert date) Credit Reporting . We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us 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 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 Dote or the first doy of the billing period in which the transaction posted to your Account. How We Calculate Interest Charges. We Use the Doily Balance Method (including current transactions) to calculate the Balance Subject to Interest Rate. For more information, please call us at 1- 800. 347 -2683. Balance Subject to Interest Rate. Your statement shows o Bolonce Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rote is the overage of the doily balances during the billing period. Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of $1.00 or more after 6 months, or as otherwise required by applicable law, or upon request mode to the address in the Contact Us section on page 3 of your billing statement. Discover may monitor and /or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® card is issued by Discover Bank, Member FDIC. TL23N If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Street Address City Slate, Zip Home Phone Work Phone Email To make changes to your address, email or telephone number, visit Discover.com Continued on next page Discover More Card Account number ending in 3125 Open Date: Feb 28, 2013 - Close Date: Mor 27, 2013 Page 3 of 4 CONTACT US A Web Access your account securely at Discover.com Transactions Mobile Manage your account anytime, anywhere of 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 Trans. Date Post Date Fees Mar 22 Mar 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 20.40 0.00 0.00 20.40 2 013 Totals. Year -to -Date TOTAL FEES CHARGED IN 2013 TOTAL INTEREST CHARGED IN 2013 $ 105.00 $ 42.14 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your occount. Current Billing Period: 28 days ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchases 17.99% V $1,478.64 $20.40 Cash Advances 23.99% V $0.00 $0.00 V= Variable Rate Information For You Your Billing Rights: Keep This Document For Future Use This notice 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 occouni number. Dollar amount: The dollar amount of the suspected error. Description of problem: If you think there is on error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us: • Within 60 days after the error appeared on your statement. • At least 3 business days before an automated payment is scheduled, if you wont 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 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 olso tell you if we have already corrected the error. 2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. While we investigate whether or not there has been on error: We cannot try to collect the amount in question, or report you as delinquent on that amount. • 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 ore 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. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION SOLOMON LEE Account number ending in 3125 Open Date: Feb 28, 2013 - Close Date: Mar 27, 2013 Page 4 of 4 Information For You ... Continued • If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe. If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you os 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 hove used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit cord account do not qualify. 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you 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 thot point, if we think you owe an amount and you do not pay, we may report you as delinquent. ACCOUNT SUMMARY Previous Balance $1,524.23 Payments and Credits — $0.00 Purchases + $0.00 Balance Transfers + $0.00 Cosh Advances + $0.00 Fees Charged + $35.00 Interest Charged + $23.47 New Balance $1,582.70 See Interest Charge Calculation section following the Transactions section for detailed APR information Credit Line $1,500 Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available You may be able to avoid interest on Purchases. See reverse for details. $0 $100 $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 $82.70. Make Check payable to Discover. Please fold on the perforation below, detach and return with your payment. Discover More Card Account number ending in 3125 Open Date: Mar 28, 2013- Close Date: Apr 27, 2013 Cardmember Since 2012 PAYMENT INFORMATION New Balance Minimum Payment Due * Payment Due Date * Includes past due amount of: Page 1 of 4 $1,582.70 $337.00 May 22, 2013 $258.00 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: Li itt�kcard a nd peach monthg� Musing 'y 'F Y . 1 {e' ',2q" dt?aY "... r leiW- e� ;balances ownon thi4 ett I stakemeht a about mss' a `pay.. ing anestimated total r +5 T"Sth ..s.A o , �.. S•;?x ` . . Only the minimum payment 4 years $2,151 If you would like information about credit counseling services, call 1-800-347-1121. REWARDS Cashback Bonus® Opening Balance New Coshback Bonus This Period Redeemed This Period Cashback Bonus Balance To learn more, log in at Discover.com Anniversary Month April 0.00 0.00 0.00 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION II IIIII IIIII IIIII IIIIIIIII'IIIIIIIIIII SOLOMON LEE 11 E BEALE AVE ENOLA PA 17025 -2804 IIIIIIIIIIIIIIIIIIIIIIIIII Phone and Internet payments must be received by 5PM ET to be credited as of the some day. Address, e-mail or telephone changed? Note changes on reverse side. Account number ending in 3125 Minimum Payment Due $337.00 New Balance $1,582.70 Payment Dye Date May 22, 2013 Amount enclosed $ PO BOX 71 084 CHARLOTTE NC 28272 -1084 IIIII 111111111111111 1111111 111111111111 11111'1" 000001986451061712114015827000296000033700 III111'lllll SOLOMON LEE Account number ending in 3125 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 Loke City, UT 84130 -0421. You must write to us within 60 days after the error appeared on your statement. You may toll 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.corn/billingrights for a copy of this notice. Payments. You may pay all or part of your Account balance at any time. However, you must pay at least the Minimum Payment Due by the Payment Due Date, Send only, your payment and the bottom portion of this statement in the envelope provided. Do not send cash. If yov pay by check, yoy 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 es o check transaction. If a 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 an electronic fund transfer, funds may be withdrawn from your account as soon as the some day we receive your payment, and you will not receive your check 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 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 Stream, IL 601976103. Please allow 7.10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit ii as an electronic debit. Payments made online or by phone will be credited as of the day of receipt if made by 5 PM Eastern time. You can pay your monthly Minimum Payment Due, or o greater amount that does not exceed your current Account balance, over the telephone or you can setup 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 dote (e.g., the 15'h day of the month) that occurs before your Payment Due Dote or Close Date. If your scheduled payment date falls on a weekend or bank holiday, your payment will be 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 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 Dote: Mar 28, 2013 - Close Date: Apr 27, 2013 Page 2 of 4 You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. low. You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus o fixed dollar amount, or (iv) Other dollar amount. If your scheduled 'Other dollar amount" payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. If your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the billing statement loosed on credits or payments after the Close Date. If you enroll by phone in our automatic payment service, please fill -in the following blanks below and retain the authorization for your records. Amount: 0 Full Pay 0 Min Pay 0 Min Pay+ S 0 Other Amount$ ; Bank Routing #: Bank Account # Monthly on the 0 Payment Due Date 0 Close Date 0 Day of month (insert date) Credit Reporting. We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us of 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 dote is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will not charge you any interest on Purchases if you pay your entire balance by the due date each month, We will begin charging interest on Cash Advances and Balance Transfers as of the later of the 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 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 a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you o refund of any remaining balance of $1.00 or more offer 6 months, or as otherwise required by applicable law, or upon request mode to the address in the Contact Us section on page 3 of your billing statement. Discover may monitor and /or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® card is issued by Discover Bank, Member FDIC. TL23N If correct on front, do not use. Please print clearly in blue or block ink, in the space provided. Street Address City State, Zip Home Phone Work Phone Email To make changes to your address, email or telephone number, visit Discover.com Continued on next page CONTACT US Discover More Card Account number ending in 3125 Open Dote: Mar 28, 2013 - Close Date: Apr 27, 2013 Page 3 of 4 0 Web Mobile 1-800-DISCOVER 0 Inquiry Mail Payments 0 Access your Manage your Discover Discover account securely account anytime, (1 -800- 347 -2683) PO Box 30943 PO Box 6103 at Discover.com anywhere of TDD 1- 800 -347 -7449 Salt Loke City Carol Stream m.Discover.com UT 84130 IL 60197 -6103 Transactions Trans. Date Post Dale Fees Apr 22 Apr 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 23.47 0.00 0.00 23.47 2013 Totals Year -to -Date TOTAL FEES CHARGED IN 2013 TOTAL INTEREST CHARGED IN 2013 $ 140.00 $ 65.61 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rote on your account. Current Billing Period: 31 days ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchases 17.99% V $1,535.55 $23.47 Cash Advances 23.99% V $0.00 $0.00 V= Variable Rate Information For You For more information about how interest charges are calculated see your Cardmember Agreement or go to www .discover.com /interestchorges NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION SOLOMON LEE Account number ending in 3125 Open Date: Mar 28, 2013 - Close Date: Apr 27, 2013 Page 4 of 4 ACCOUNT SUMMARY Previous Balance Payments and Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $1,582.70 $0.00 + $0.00 + $0.00 + $0.00 + $35.00 + $23.57 $1,641.27 See Interest Charge Calculation section following the Transactions section for detailed APR information Credit Line $1,500 Credit Line Available Cosh Advance Credit Line Cosh Advance Credit Line Available You may be able to avoid interest on Purchases. See reverse for details. Contact Us Discover.com 1- 800 - 347 -2683 $0 5100 $0 Make Check payable to Discover. Please fold on the perforation below, detach and return with your payment. Discover More Card Account number ending in 3125 Open Date: Apr 28, 2013- Close Date: May 27, 2013 Card member Since 2012 Page 1 of 4 PAYMENT INFORMATION New Balance Minimum Payment Due' Payment Due Date Includes past due amount of: $1,641.27 $416.00 June 22, 2013 $337.00 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 it will take you longer to pay off your balance. For example: If you make no additional charges using this card and each month •you15ay..... . . Only the minimum payment `You: will pay off the balance shown on this statement in about.. 4 years And you will end up paying an estimated total of... $2,192 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 April $ 0.00 + $ 0.00 — $ 0.00 $ 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Payment Coupon Pay Online Please do not fold, clip or staple. ` Discovericom Pay by Phone 1, 800.347.2683 111111" II'11111'11'11'11'I' 11111111'1111' 11'111'1111111'1'11111 SOLOMON LEE 11 E BEALE AVE ENOLA PA 17025 -2804 Phone and Internet payments must be received by 5PM ET to be credited as of the same day. Address, e-mail or telephone changed? Note changes on reverse side. i Account number ending in 3125 Minimum Payment Due $416.00 New Balance $1,641.27 Payment Due Date Amount enclosed June 22, 2013 $ PO BOX 71084 . CHARLOTTE NC 28272 -1084 II111111I11, 111111111'1' 111111111 "1111111'11111'111111111'1 1111 000001986451061712114016412704632490041600 SOLOMON LEE Account number ending in 3125 Important Information See your Cardmember Agreement. Your Card member Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately! Call 1- 800 - 347 -2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at: Discover, PO Box 30421, Salt Lake City, UT 84130 -0421. You must write to us within 60 days after the error appeared on your statement. You may call us, but if you do we are not required to investigate any potential errors, and you may have to pay the amount in question. The Billing Rights Notice further explains your rights. Please see your Cardmember Agreement or visit hrips : / /discover.com /billingrights for a copy of this notice. Payments. You may pay all or part of your Account balance at any time. However, you must pay at least the Minimum Payment Due by the Payment Due Dote. Send only, your payment and the bottom portion of this statement in the envelope provided. Do not send cash. If you pay by check, yoy authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. If a payment is processed as an electronic fund transfer, the transfer will be for the amount of the check. When we use information 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 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 T10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. Payments mode online or by phone will be credited as of the day of receipt if mode by 5 PM Eastern time. You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1 -800- 347 -2683. Automatic payments for the billing period shown on your statement will be deducted on the Payment Due Dote shown on that statement, or the next automatic payment date referred to on your statement, unless you request a recurring payment date (e.g., the 15th day of the month) that occurs before your Payment Due Date or Close Date. If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4) digits of the social security number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account. You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1- 800 - 347 -2683 or by mail at Discover, PO Box 30421, Salt Loke City, UT 84130 -0421; however, we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be. CHANGE OF ADDRESS Open Date: Apr 28, 2013 - Close Date: May 27, 2013 Page 2 of 4 You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. low. You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) Other dollar amount. If your scheduled "Other dollar amount" payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. If your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the billing statement based on credits or payments after the Close 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: OFull Pay OMin Pay OMin Pay+ $ Other Amount$ ; Bank Routing #: Bank Account # Monthly on the 0 Payment Due Date 0 Close Date 0 Day of month (insert date) Credit Reporting. We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at the following address: Discover, PO Box 15316, Wilmington, DE 19850 -5316. Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will not charge you any interest on Purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Date or the first day of the billing period in which the transaction posted to your Account. How We Calculate Interest Charges. We Use the Daily Balance Method (including current transactions) to calculate the Balance Subject to Interest Rate. For more information, please call us at 1- 800 - 347 -2683. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of $1.00 or more after 6 months, or as otherwise required by applicable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Discover may monitor and /or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover@ card is issued by Discover 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 State, Zip Home Phone Work Phone Email To make changes to your address, email or telephone number, visit Discover.com Continued on next page Discover More Card Account number ending in 3125 Open Date: Apr 28, 2013 - Close Date: May 27, 2013 Page 3 of 4 CONTACT US 0 R 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 Streom IL 60197 -6103 Transactions Trans. Date Post Date Fees May 22 May 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 23.57 0.00 0.00 23.57 2013 Totals Year -to -Date TOTAL FEES CHARGED IN 2013 TOTAL INTEREST CHARGED IN 2013 $ 175.00 $ 89.18 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 30 days ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchases 17.99% V $1,594.07 $23.57 Cash Advances 23.99% V $0.00 $0.00 V= Variable Rate Information For You For more information about how interest charges are calculated see your Cardmember Agreement or go to www .discover.com /interestchorges NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION SOLOMON LEE Account number ending in 3125 Open Date: Apr 28, 2013 - Close Dote: May 27, 2013 Page 4 of 4 ACCOUNT SUMMARY r Previous Balance $1,641.27 Payments and Credits — $0.00 Purchases + $0.00 Balance Transfers + $0.00 Cosh Advances + $0.00 Fees Charged + $35.00 Interest Charged + $25.26 New Balance $1,701.53 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. $1,500 $0 $100 $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 3125 Open Date: May 28, 2013- Close Date: Jun 27, 2013 Cardmember Since 2012 Page 1 of 4 PAYMENT INFORMATION New Balance Minimum Payment Due Payment Due Date * Includes past due amount of: $1,701.53 $497.00 July 22, 2013 $416.00 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 it will take you longer to pay off your balance. For example: If o,''make nofiodditwnal charges using }this card and ea h mon � you. pay". i,,A, eYoutwilf'pdyo ff theme r, balancetshown on this statement in abauut And you will end up paying`on estimated total r Only the minimum payment 4 years $2,234 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 April $ 0.00 + $ 0.00 — $ 0.00 $ 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION hI11111111 II 1111111111 h 1111111 ll'1'11"1111111'Ii ii III SOLOMON LEE 11 E BEALE AVE ENOLA PA 17025 -2804 Phone and Internet payments must be received by 5PM ET to be credited as of the same day. Address, e-mail or telephone changed? Note changes on reverse side. Account number ending in 3125 Minimum Payment Due $497.00 New Balance $1,701.53 Payment Due Date Amount enclosed July 22, 2013 $ PO BOX 71084 CHARLOTTE NC 28272 -1084 nll'IIIII 111111 IIII I (III IIII'I'lllll"l l'l11 11111 000001986451061712114017015300391440049700 SOLOMON LEE Account number ending in 3125 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 If you think there is on 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 oppeared on your statement. 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. The Billing Rights Notice further explains your rights. Please see your Cordmember Agreement or visit hops : / /discover.com /billingrights for a copy of this notice. Payments. You may pay all or part of your Account balance of on time. However, you must pay at least the Minimum Payment Due by the Poymeni Due Dote. Send only, your payment and the bottom portion of this statement in the envelope provided. Uo not send cash. If you pay by check, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. If a payment is processed as an electronic fund transfer, the tronsfer will be for the amount of the i check. When we use nformation from your check io make an electronic fund transfer, funds may be withdrawn from your account as soon as the some day we receive your payment, and you will not receive your check back from your finonciol institution. The processing of your payment may be delayed if you send cosh, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day. Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197.6103.PIease allow 7.10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as on electronic debit. Payments made online or by phone will be credited as of the day of receipt if mode by 5 PM Eastern time. You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you con setup automatic payments through a customer service representative by calling 1.800- 347 -2683. Automatic payments for the billing period shown on your statement will be deducted on the Payment Due Dale shown on that statement, or the next automatic payment dale referred to on your statement, unless you request o recurring payment dote (e.g., the 151h day of the month) that occurs before your Payment Due Dole or Close Dote. If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the 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 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 -600- 347 -2683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 84130-0421; however, we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be. CHANGE OF ADDRESS Open Date: May 28, 2013 - Close Date: Jun 27, 2013 Page 2 of 4 You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. low. You con set automatic payments for: (I) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) Other dollar amount. If your scheduled "Other dollar amount" payment is not enough io 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 schedu'ed 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$ ; Bonk Routing #: Bonk Account # Monthly on the ❑ Payment Due Date [Close Date ❑ Day of month (insert dote) Credit Reporting. We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at the following address: Discover, PO Box 15316, Wilmington, DE 19850 -5316. Please include your name, address, home telephone number and Account number. Paying Interest. Your due dote is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will not charge you any interest on Purchases if you pay your entire balance by the due 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 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 a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of $1.00 or more after 6 months, or as otherwise required by applicable law, or upon request mode to the address in the Contact Us section on page 3 of your billing statement. Discover may monitor and /or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® card is issued by Discover Bank, Member FDIC. TL23N If correct on front, do not use. Please print clearly in blue or block ink, in the space provided. Street Address City State, Zip Home Phone Work Phone Email To make changes to your address, email or telephone number, visit Djscover.com Continued on next page Discover More Card Account number ending in 3125 Open Dote: May 28, 2013 - Close Date: Jun 27, 2013 Page 3 of 4 CONTACT US Web ® Mobile © 1-800 ® Inquiry Mail Payments Access your Manage your 1- 800 - DISCOVER Discover Discover account securely account anytime, (1 -800- 347 -2683) PO Box 30943 PO Box 6103 at Discover.com anywhere of TDD 1- 800 - 347 -7449 Salt Lake City Carol Streom m.Discover.com UT 84130 IL 60197 -6103 Transactions Trans. Date Post Date Fees Jun 22 Jun 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 25.26 0.00 0.00 25.26 2013 Totals Year -to -Date TOTAL FEES CHARGED IN 2013 TOTAL INTEREST CHARGED IN 2013 $ 210.00 $ 114.44 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 $1,653.46 S25.26 Cash Advances 23.99% V $0.00 $0.00 V= Variable Rate Information For You For more information about how interest charges are calculated see your Cardmember Agreement or go to www .discover.com /interestcharges NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION SOLOMON LEE Account number ending in 3125 Open Dote: May 28, 2013 - Close Date: Jun 27, 2013 Page 4 of 4 ACCOUNT SUMMARY Previous Balance Payments and Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $1,701.53 $0.00 + $0.00 + $0.00 + $0.00 + $35.00 + $25.34 $1,761.87 See Interest Charge Calculation section following the Transactions section for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available You may be able to avoid interest on Purchases. See reverse for details. $1,500 $0 $100 $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 $261.87. Make Check payable to Discover. Please fold on the perforation below, detach and return with your payment. Discover More Card Account number ending in 3125 Open Date: Jun 28, 2013- Close Date: Jul 27, 2013 Cardmember Since 2012 Page 1 of 4 PAYMENT INFORMATION New Balance Minimum Payment Due * Payment Due Date * Includes past due amount of: $1,761.87 m $578.00 August 22, 2013 $497.00 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 it will take you longer to pay off your balance. For example: Win ustn rw ,,, nalcharges+ is card and eadi month b�You�,�wi� pay offalance shown er on thi statetrrent'in about r Only the minimum payment 4 years $2,277 If you would like information about credit counseling services, call 1- 800 - 347 -1121. i 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 April 0.00 0.00 0.00 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Tiiilli 11,1,IIIwi11 1,111,1 1 1111 1111 11 11111111 1111111 SOLOMON LEE 11 E BEALE AVE ENOLA PA 17025 -2804 Phone and Internet payments must be received by 5PM ET to be credited as of the same day. Address, e-mail or telephone changed? Note changes on reverse side. Account number ending in 3125 Minimum Payment Due $578.00 New Balance $ 1,761.87 Payment Due Date Amount enclosed August 22, 2013 $ PO BOX 71084 CHARLOTTE NC 28272 -1084 11111111111111'1' 111111 l'11111111111111II111111'1111 0000019864510617121 14017618700328910057800 111111111 "1 SOLOMON LEE Account number ending in 3125 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 Loke City, UT 84130 -0421. You must write to us within 60 days after the error oppeored on your statement. You may coil us, but if you do we ore not required to investigate any potential errors, and you may have to pay the amount in question. The Billing Rights Notice further explains your rights. Please see your Cordmember Agreement or visit https : / /discover.com /billingrights for a copy of this notice. Payments. You may pay all or part of your Account balance at any time. However, you must pay at least the Minimum Payment Due by the Payment your Date. Send only, our payment and the bottom portion of this statement in the envelope provided. Do not send cash. If you pay by heck, o authorize us to use formation on your check to make an electronic Lund transfer from our occount at the financial institution indicated on your check or to process the payment ps 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 may be withdrawn from your occount 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 io 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 io Discover, PO Box 6103, Carol Stream, IL 60197.6103. Please allow 7.10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as 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 can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1- 800. 347 -2683. Automatic payments for the billing period shown on your statement will be deducted on the Payment Due Dote 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'h day 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 payments by telephone, you will need this statement and your bonk account information. You will be asked to provide the last four (4) digits of the social security number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeing to this 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 concel a scheduled payment by phone at 1 -800- 347 -2683 or by mail at Discover, PO Box 30421, Solt Lake City, UT 84130 -0421; however, we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be. CHANGE OF ADDRESS 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 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 o fixed dollar amount, or (iv) Other dollar amount. If your scheduled "Other dollar amount" payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. If your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the billing statement based on credits or payments after the Close Dale. If you enroll by phone in our automatic payment service, please fill -in the following blanks below and retain the authorization for your records. Amount: ❑ Full Pay ❑ Min Pay ❑ Min Pay+ $ ❑ Other Amount$ ; Bank Routing #: Bank Account # Monthly on the ❑ Payment Due Date ❑ Close Dote ❑ Day of month (insert dote) 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 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 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 a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of $1.00 or more after 6 months, or os otherwise required by applicable law, or upon request 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 Discovert card 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 State, Zip Home Phone Work Phone Email To make changes to your address, email or telephone number, visit Discover,com Continued on next page Discover More Card Account number ending in 3125 Open Date: Jun 28, 2013 - Close Date: Jul 27, 2013 Page 3 of 4 CONTACT US 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 Jul 22 Jul 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 25.34 0.00 0.00 25.34 2013 Totals Year -to -Date TOTAL FEES CHARGED IN 2013 TOTAL INTEREST CHARGED IN 2013 $ 245.00 $ 139.78 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 30 days ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchases 17.99% V $1,713.75 $25.34 Cash Advances 23.99% V $0.00 $0.00 V= Variable Rate Information For You For more information about how interest charges are calculated see your Cardmember Agreement or go to www .discover.com /interestcharges NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION SOLOMON LEE Account number ending in 3125 Open Date: Jun 28, 201 3 - Close Dole: Jul 27, 2013 Page 4 of 4 DISCOVER BANK 6500 NEW ALBANY RD EAST NEW ALBANY, OH 43054 Plaintiff VS. SOLOMON LEE 11 E. BEALE AVE. ENOLA, PA 17025 Defendant : COURT OF COMMON PLEAS : CUMBERLAND COUNTY, : PENNSYLVANIA : CIVIL ACTION-LAW : No.: 14-1176 CIVIL CERTIFICATE OF SERVICE I hereby certify that I have served a true and correct copy of Plaintiff's Complaint on the date indicated below to all parties or their attorneys of record by: X regular first class mail certified mail other DATE: PRESSL i'and PRESSLER, LLP BY: FRA CIS X. GRIM S ' ESQUIRE Attorney for Plaintiff (11 r = ; CD IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DISCOVER BANK Plaintiff VS. SOLOMON LEE Defendant CIVIL ACTION Civil Action No. 14-1176 OBJECTION TO SUMMARY JUDGMENT 1. There has been no single legitimate contact from Pressler & Pressler, Plaintiff's Collection Agency, contrary to the Fair Debt Collection Practices Act before filing to the court! 2. Legal Insufficiency; Not a single document was attached to Plaintiff's Civil Complaint! No single document was presented to the Defendant on the court hearing day! 3. Exhibit "A" and "B"prove only that the collection agency holds an account in the defendant's name — not that the debt itself is legally valid or that defendant actually incurred the debt. And that James Ball, who validated the account, is neither a direct employee of Discover Bank nor collection agency( Pressler & Pressler,LLP)! WHEREFORE, Defendant requests THE FINAL NOTICE TO PRODUCE THE DOCUMENT. Respectfully submitted Solomon J. Lee, Defendant April 16, 2014 PRESSLER and PRESSLER, LLP BY: FRANCIS X. GRIMES, ESQUIRE I.D. NO.:62404 804 WEST AVENUE JENKINTOWN, PA 19046 (215) 576-1900 DISCOVER BANK v. SOLOMON LEE Plaintiff Defendant Attorney for Plaintiff PROTtIONOIAF? 1014 AUG 2 � Pr# 1: 0 CO PEP,f1��SYL A1414 T COURT OF COMMON PLEAS LAW DIVISION CUMBERLAND COUNTY DOCKET NO: 14-1176 CIVIL CIVIL ACTION MOTION FOR JUDGMENT ON THE PLEADINGS Plaintiff, Discover Bank, herein files its Motion for Judgment on the Pleadings, and in support thereof, avers as follows: 1. On March 14, 2014, Plaintiff commenced the within action against the Defendant relating to an outstanding balance on a Discover Card obligation after the Defendant took an appeal from the adverse decision rendered in Magisterial District Court. A true and correct copy of Plaintiff's Complaint is attached hereto as Exhibit "P-1". 2. On April 17, 2014, Defendant filed their Answer to Plaintiff's Complaint. A true and correct copy of Defendants' Answer is attached hereto as Exhibit "P-2". 3. Pennsylvania Rule of Civil Procedure 1029(a) which provides: A responsive pleading shall admit or deny each averment of fact in the preceding pleading or any part thereof to which it is responsive. A party denying only a part of an averment shall specify so much of it as is admitted and shall deny the remainder. Admissions and denials in a responsive pleading shall refer specifically to the paragraph in which the averment admitted or denied is set forth. 4. Pennsylvania Rule of Civil Procedure 1029(b) provides: Averments in a pleading to which a responsive pleading is required are admitted when not denied specifically or by necessary implication. A general denial or a demand for proof, except as provided by subdivisions (c) and (e) of this rule, shall have the effect of an admission. 5. The Defendant's obligation in answering Plaintiff's Complaint is governed by Pennsylvania Rule of Civil Procedure 1029(a) and when the answer fails to meet the requirements of 1029(a), is thereafter subject to 1029(b). 6. Defendants' Answer fails to admit or deny any of the twenty six (26) averments asserted by the Plaintiff against the Defendant. 7. Defendants' Answer to Plaintiff's Complaint is improper, fail to meet the requirements and duties imposed pursuant to Pa.R.C.P. 1029(a), and are therefore deemed admissions to Plaintiff s allegations within its Complaint. 8. Pursuant to Pennsylvania Rule of Civil Procedure 1034, Plaintiff may file this Motion for Judgment on the Pleadings. 9. Defendants' Answer does not deny Plaintiffs allegations in Plaintiff's Complaint and are otherwise deemed admissions to Plaintiff's allegations within its Complaint as a result of Defendants failure to abide by the requirements of Pa.R.C.P. 1029(a). 10. Plaintiff request Judgment be entered in the amount of $1,887.02 ($1,761.87, plus court costs of $125.15). 11. As a result of Plaintiff's allegations being admitted, it is clear that there are no genuine issues of material facts in dispute and Plaintiff is entitled to an entry of Judgment. WHEREFORE, Plaintiff request Judgment be entered in the amount of $1,887.02 ($1,761.87, plus court costs of $125.15). Date: Resp lly submitted, F Attorney for Plaint NCIS X. G °�'T� SQUIRE EXHIBIT "P-1" Pressler & Pressler,:uP BY r Francis X. Grimes I.D:# 62404. • 80.1 West Avenue. Jenkintown., PA 1904.6 (215) '576-1900 DISCOVER BANK. C/O DB SERVICING CORPORATION 6500 New Albany Rd. East New Albany, OH 43054 Plaintiff Vs. SOLOMON LEE 11 E. Beale 'Ave. Enola; PA 17025 • • ' Defendant( s ) "NOTICE • "You• have been, sued in court: If .you wish tb'defend•against the clairits,set •forth insthe fol- lowing pages, you:must take action within twenty . (20) days 'after this complaint and notice' are . • served, by entering a written appdarance person- • ally of by •attorney and tiling In writing with the court your defenses or 'objections to the.clalrits •. get .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 iri the complaint or tor any other•ctaim dr relief•requested by:the plaintiff. You may lose 'inoney ,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 AFFO.RD'ONE, GO TO.OR ..TELEPHONE THE OFFICE .SET FORTH BELOW • TO FIND OUT WHERE YOU CAN GET LE.GAL HELP, ' Attorney for Plaintiff COURT OF COMMON' .PLEAS: CUMERIAND. COUNTY CIVIL ACTIONLAW . *NO. 14-1176 "CIVIL • (71 cZ <Q .74 • "AVISO"•- "Le han demandedo a usted en, la corte. Si • u§ted. quiere defenderse de estas•demandas ex- • puestas en 'las .paginas sigulentes, usted. tlene veinte (20) dias de plaza. al •partir de la fecha•de . la demanda y la notificacion. Hace (alta asentar • _ una comparencia escrita o en persona o con un abogado. y. entregar•a la corte en ,forma. escrlta sus defenses o'sus. objeciones a, las 'dernandas• • en contra de' su persona. Sea ai,sado. que'.si • usted no se defiende, la corte'tomara medidas 'y:.puede continuar la deinanda en contra suya sin previo aviso o notificacion. Adernas, la corte puede decidir a favor del demandante y requiere .que usted cumpla con todas•las •pro.v(s(ones de esta demands: Usted puede perder dinero o sus • propiedades.•.0 otros derechos importantes para usted." . • 'LLEVE ESTA DEMANDA A UN ABO - GADO INMIEDIATAMENTE. SI NO TI ENE ABO- GADO.O SI. NO'TIENE ELDINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PER- SONA O'LLAME •POFj TELEFONO A LA OFI- .CINA CUY A DIRECCION .SE •ENCUENTRA ESCRITA ABAJO • ARA. AVERIGUAR DONDir. SE PUEDE COHSE• IIR ASISTENCin LEGAL CE SERVICES' Io PRESSLER and PRESSLER, LLP BY: FRANCIS X. GRIMES, ESQUIRE T.D. #62404 804 West Avenue Jenkintown, PA 19046 (215) 576-1900 DISCOVER BANK C/O DB SERVICING CORPORATION 6500 New Albany Rd. East New Albany, OH 43054 Plaintiff vs. SOLOMON LEE 11 E. Beale Ave. Enola, PA 17025 Defendants(s) Attorney for Plaintiff File # L147807 : COURT OF COMMON PLEAS : CUMBERLAND COUNTY, : PENNSYLVANIA : CIVIL ACTION -LAW : No.:14-1176 CIVIL CIVIL ACTION COMPLAINT 1. Plaintiff, Discover Bank, is a banking institution organized under the laws of the State of Delaware and maintains a business address c/o DB Servicing Corporation, 6500 New Albany Rd. East New Albany, OH 43054. 2. Plaintiff is engaged in interstate commerce and is subject to various federal laws and federal banking regulations; and, Plaintiff does not conduct business within the Commonwealth of Pennsylvania within the meaning of any statutes and/or regulations pertaining to foreign corporations. 3. Discover Bank is the issuer and owner of the Discover credit cards which are issued to consumers pursuant to an extension of credit agreement with them. 4. DB Servicing Corporation, a wholly owned subsidiary of Discover Bank, is the servicing affiliate for the Discover credit card accounts for Discover Bank. It creates and maintains all of the records in connection with all of the activities and/or transactions regarding the Discover accounts. 5. The Defendant(s), is/are adult individual(s) believed to be residing at the address contained in the above caption. 6. Plaintiff issued a Discover credit card to the Defendant(s), and the Defendant(s) accepted the Discover credit card, so that the Defendant(s) could make purchases or other forms of credit from various merchants who were authorized to accept the credit card from the Defendant(s) in lieu of payment by the Defendant(s) to the merchants. 7. The Defendant(s) received the physical credit card issued by the Plaintiff, together with a Cardmember Agreement (extension of credit agreement), which agreement contains the terms and conditions governing the use of the credit card between the parties hereto. Plaintiff attaches hereto as Exhibit "A" a copy of the Defendant's Cardmember Agreements applicable to the Defendant(s) account. 8. The cardmember agreement is in writing however, is not signed and is not required to be signed by the parties as the cardmember agreement only becomes effective and assented to by the Defendant(s) upon the use of the credit card. See Discover Bank v. Stucka, 2011 PA Super 241 (Pa. Super. Ct., 2011). 9. Thereafter, on sundry and various occasions, the Defendant(s), pursuant to the extension of credit agreement, used the credit card for purchases and/or other forms of credit and maintained a running account, a copy of which was provided to the Defendant(s). Attached hereto as Exhibit "B" is a copy of the Defendant(s) monthly cardmember statements for the period ending May 27, 2012 through period ending July 27, 2013. 10. The Defendant(s) by acceptance and use of the Discover card has assented and ratified the terms and conditions of the Cardmember Agreement/account each and every time they utilized the Discover credit card, as well as by continuing to make payments to the Plaintiff after receiving monthly statements summarizing the activities and/or transactions on the account. 11. The Defendant(s) by use and conduct with the Discover Card have impliedly represented to the credit card issuer that the Defendant(s) had the ability and the intention to pay for the use of the Discover credit card. 12. The Defendant(s) have not disputed any of the charges in writing within sixty (60) days of receipt of the monthly cardmember statements as required pursuant to the Fair Credit Billing Act ("FCBA"), an amendment to the Truth In Lending Act ("TILA"), 15 U.S.C. § 1601. 13. Plaintiff believes, and therefore avers, that the Defendant(s) last payment in regard to their Discover obligation was processed on or about January 4, 2013 and as a result thereof, the Defendant(s) is in breach of their obligation to the Plaintiff; and as a further result thereof, the obligation of the Defendant(s) to satisfy the entire balance in regard to the credit card account became accelerated. 14. The outstanding balance which was due on the credit account as of July 27, 2013, was $1,761.87; and, although repeated requests and demands have been made upon the Defendant(s) by the Plaintiff to satisfy the balance, the Defendant(s) is still in breach of its obligation on the account and have failed to repay the account balance and debt due the Plaintiff. COUNT I - BREACH OF CONTRACT 15. Plaintiff incorporates by reference, all of the foregoing averments of this Civil Action Complaint, as though the same were more fully set forth in length herein. 16. In addition to the balance on the account as indicated above, the Plaintiff may incur additional damages for accrued interest, costs and request payment of the same by the Defendant(s) pursuant to the terms of the Cardmember Agreement and/or applicable law. 17. Plaintiff, through its counsel's investigation, has determined that the Defendant(s) is/are not in the military service. 18. THIS COMMUNICATION OF PLAINTIFFS COUNSEL IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. WHEREFORE, Plaintiff, Discover Bank, demands Judgment against the Defendant(s), Solomon Lee, in the sum of $1,761.87 plus costs in accordance with law. COUNT II - ACCOUNT STATED 19. Plaintiff incorporates by reference, all of the foregoing averments of this Civil Action. Complaint, as though the same were more fully set forth in length herein. 20. The Defendant(s) has/have, by their use of the credit card, impliedly assented to the terms and conditions of the account and is/are now in breach of the account for their failure to pay the outstanding balance due and owing. 21. The Plaintiff mailed to the Defendant(s) monthly account statements when the Defendant opened their account on Apil 15, 2012 and continued to mail monthly statements reflecting account activity, and therefore, an account was stated by virtue of the Defendant's receipt and acceptance of those monthly statements, Defendant's making many minimum monthly payments pursuant to the statements, the Defendant's continued use of the credit account and other payments and Defendant's acceptance of the monthly statements received. 22. By virtue of the Plaintiff's ongoing rendering an account, the Defendant(s) receipt, acceptance and payments thereon of Plaintiffs rendering an account, the Defendant(s) has/have assented to the correctness of the account. 23. By virtue of the Defendant's failure to dispute any charges in writing, pursuant to Federal Law as hereinbefore described, reflected on the monthly statements provided to the Defendant(s), the Defendant(s) has/have accepted and agreed to the correctness of the account. WHEREFORE, Plaintiff, Discover Bank, demands Judgment against the Defendant(s), Solomon Lee, in an amount less than the Court's Arbitration limits, plus costs in accordance with law. COUNT III - UNJUST ENRICHMENT 24. Plaintiff incorporates by reference, all of the foregoing averments of this Civil Action Complaint, as though the same were more fully set forth in length herein. 25. Defendant(s), by the use of the Discover credit card account and the extension of credit, received the benefit of the same which was given on the said credit account and has/have failed to make payment for the receipt of the said benefit. 26. As a direct result of the receipt of the benefit of the extension of credit understanding as above, the Defendant(s) has/have been unjustly enriched in an amount less than the Court's arbitration limit, to Plaintiffs detriment. WHEREFORE, Plaintiff, Discover Bank, demands Judgment against the Defendant(s), Solomon Lee, in an amount less than the Court's Arbitration Limits, plus costs in accordance with law. DATE: F IS X. GRIMES, ESQUI At rney for Plaintiff VERIFICATIQN I, JAMES BALL, hereby state that I hold the position of Litigation Support Manager with DB Servicing Corporation, and that I am authorized to take this Verification on behalf of Discover Bank and DB Servicing Corporation, the servicing affiliate of Discover Bank. I certify that Discover Bank is the issuer and owner of the credit card obligation(s) of Solomon Lee, (card number 111111111111-3125) and that the balance owed as ofJuly 31, 2013 was $1,761.87. The Plaintiff lacks sufficient knowledge or information to execute this verification, however, I have sufficient knowledge and information in my position as Litigation Support Manager with DB Servicing Corporation which is a subsidiary of Plaintiff and is the servicing affiliate of Discover Bank and which creates and maintains the business records for Discover Bank. THAT, in my capacity as Litigation Support Manager, I have access to records regarding the Discover Card account of the above referenced Defendant(s), and further, that I have personally inspected said account and statements regarding the balance due on said account. DB Servicing Corporation maintains these records in the ordinary course of business. To the extent any pleading is believed to aver inconsistent facts, specifically a cause of action for breach of contract and a cause of action for unjust enrichment,1 have been unable after reasonable investigation to ascertain which of the inconsistent facts are true, but I have knowledge or information sufficient to form a belief that one of them is true. The undersigned verifies that the facts contained in the within pleading are true and correct to the best of his knowledge, information and belief and understands that the statements therein are made subject to the penalties of 18 Pa..C..S..A. 4904 relating to unsworn falsification to authorities. Date: EXHIBIT "A" DISCOVER CARDMEMBER AGREEMENT TL23J.1210 Thank you for choosing Discovere card. This Agreement explains the current terms and conditions of your Account. The enclosed Pricing Schedule is part of this Agreement. Please read this Agreement, including the Pricing Schedule, carefully. Keep them for your records. Contact us if you have any questions. We have included a "Definitions" section for your reference on page 4. ACCEPTANCE OF AGREEMENT You accept this Agreement if you do not cancel your Account within 30 days after receiving a Card. You also accept this Agreement if you or an Authorized User use the Account. You may, however, reject the "Arbitration of Disputes' section as explained in that section. CHANGES TO YOUR AGREEMENT The rates, fees and terms of this Agreement may change from time to time. We may add or delete any term to this Agreement. If required by law, we will give you advance written notice of the change(s) and a right to reject the change(s). We will not charge any fee or interest charge prohibited by law. USING YOUR ACCOUNT Permitted Uses You may use your Account for Purchases, Balance Transfers and Cash Advances. You may not use it for illegal transactions, Authorized Users You may request additional Cards for Authorized Users. You must notify us if you wish to cancel the authority of an Authorized User to use your Account. Joint Accounts If your Account is a joint Account: • each of you agrees to be liable individually and jointly for the entire amount owed on the Account; and • any notice we mail to an address provided by either of you for the Account will serve as notice to both of you. Checks If we provide you with Checks, we will tell you whether we will treat the Check as a Purchase, Balance Transfer or Cash Advance. You may not use these Checks to pay any amount you owe us. Credit Authorizations We may not authorize a transaction for security or other reasons. We will not be liable to you if we decline to authorize a transaction or if anyone refuses your Card, Check or Account number. Credit Lines We will tell you what your Account credit line is. You must keep your Account balance below your Account credit line. If you do not, we may request immediate payment of the amount by which you exceed it. We may establish a lower credit line for Cash Advances. We may increase or decrease your Account credit line or your Cash Advance credit line without notice. We may delay increasing your available credit by the amount of any payment that we receive for up to 10 business days. FEES (See your Pricing Schedule for Additional Fees} Late Fee If you do not pay the Minimum Payment Due by the Payment Due Date, we will charge you a Late Fee. The fee is 525 if you were not charged a Late Fee during any of the prior six billing periods. Otherwise, the fee is $35. This fee will never exceed the Minimum Payment Due that was due immediately prior to the date on which the fee was assessed. • Returned Payment Fee If you make a payment that is not honored by your financial institution, we will charge you a Retumed Payment Fee even if the payment is honored after we resubmit it. The fee is 525 if you were not charged a Returned Payment Fee during any of the prior six billing periods. Otherwise, the fee is $35. This fee will never exceed the Minimum Payment Due that was due immediately prior to the date on which the payment was returned to us. Returned Check Fee ' We will charge you a Returned Check Fee each time we decline to Check Fee during any of the prior six billing periods. Otherwise, the honor a Check. The fee is 525 if you were not charged a Returned fee is 535. This fee will never exceed the amount of the Check. Research Fee We may charge you a Research Fee of S5 for each copy of a billing statement or sales slip that you request. We will not charge this fee if you request copies in connection with a billing dispute. ©2010 Discover Bank, Member FDIC -1- ANNUAL PERCENTAGE RATES ("APRs") (See your Pricing Schedule for the APRs, including Penalty APRs, that apply to your Account) Variable APRs Your Pricing Schedule may 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 far 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: • $40; • 2% of the New Balance shown on your billing statement (plus 540 if the New Balance includes a Balance Transfer balance); or • any Interest Charges and Late fee shown on your billing statement, plus 520. 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 unwilting to • repay your obligations to us; • you die or are legally declared incompetent or incapacitated; • you fail to comply with the terms of this Agreernent or any Agreement with us or an Affiliate, including failing to make a required payment when due, exceeding your Account credit line or using your Card or Account for an illegal transaction. If you are in default, we may declare the entire balance of your Account immediately due and payable without notice. Collection Costs If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable attorneys' fees, court or other collection costs, and fees and costs of any appeal. Merchant Disputes If you have a dispute with a merchant, you may request a credit to your Account. If we resolve the dispute in your favor, we will issue a credit to your Account. You assign to us your claim for the credited amount against the merchant and/or any third party. At our request, you agree to provide this assignment in writing. Automatic Billing Arrangements You may set up automatic billing with a merchant. If your Account number or Card expiration date changes, you authorize us to provide this updated information to any such merchant at our discretion. You must contact the merchant directly if you wish to stop automatic billing. Our Privacy Policy We send you our Privacy Policy when you open your Account and annually. Contact us or visit Discover,com if you would like a copy. Please read it carefully. It summarizes: • the personal information we collect; • how we safeguard its confidentiality and security; • when it may be shared with others; and • how you can limit our sharing of this information. Reporting to Credit Reporting Agencies We may from time to time review your credit, employment and income records. We may report the status and payment history of your Account to credit reporting agencies and other creditors. We normally report to credit reporting agencies each month, If you believe that information we reported is.inaccurate or incomplete, please write us at Discover, PO Box 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, hve 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 peter 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 M 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 ASA 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. Goveming 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 it 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 MA 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 3093B, Salt Lake City, UT 84130-0938. Your rejection notice must include your name, address, phone number, Account number and personal signature. No one else may sign the rejection notice for you. Your rejection notice also must not be sent with any other correspondence. However, if you previously had the chance to reject an arbitration agreement with us but did not, you may not reject it now. Rejection of arbitration will not affect your other rights or responsibilities under this Agreement or your obligation to arbitrate disputes under any other account as to which you and we have agreed to arbitrate disputes. If you once sent us a rejection notice on a different account or card, you must send us a new rejection notice or else this arbitration agreement will apply to any disputes with us relating to your other accounts or cards. Your Billing Rights: Keep This Document For Future Use This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. What To Do If You Find A Mistake On Your Statement If you think there is an error on your statement write to us at: Discover PO Box 30421 Salt Lake City, UT 84130-0421. In your letter, give us the following information: • Account information: Your name and account number. • Dollar amount: The dollar amount of the suspected error. • Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us: • Within 60 days after the error appeared on your statement. • At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. What Will Happen After We Receive Your Letter When we receive your letter, we must do two things: 1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we 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 bit is correct. While we investigate whether or not there has been an error: • We cannot try to collect the amount in question, or report you as delinquent on that amount. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. • While you do not have to pay the amount in question, you are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit. After we finish our investigation, one of two things will happen: • if we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. • If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees, We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe. If you receive our explanation but still believe your bill is wrong, you must write to us within 30 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 bit. 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 450 of the amount you question even if your bit 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 450. (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 aur 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 4500,000 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 ticketwas purchased with your Discover card are riding as a passenger in or entering, exiting or being struck by a Scheduled Aircraft SECONDARY RENTAL CAR COLLISION Discover° Cardmembers can benefit from the security and safety offered through Excess Collision Damage Waiver. If you rent a COVERAGE vehicle for 31 consecutive days or less (or 45 days under certain circumstances) with your Discover card, you may be eligible for benefits under this coverage. 2417 TRAVEL ASSISTANCE 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 (1.800.347.2693). -6 - EXHIBIT "B" New Balance $1,368.83 SOLOMON LEE 11 E BEALE AVE ENOLA PA 17025.2804 Minimum Payment Due S40.00 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 3125 Enter Amount Enclosed Below Pay online al www.Discover.com or make check payable to Discover. Phone and internet payments must be mode by 5:OOpm ET for same day posting. PO BOX 71084 CHARLOTTE NC 28272-1084 000001986451061712114013688300000000004000 Opening Date: April 15, 2012 - Closing Date: May 27, 2012 Discover More Card Account Summary Account number ending in 3125 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance 30.00 0.00 + 1,368.83 + 0.00 + 0.00 + 0.00 + 0.00 $1,368.83 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit line Available 31,500.00 $131.00 $100.00 $100.00 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 Anniversary Month April $ 0.00 + 3.42 Cashback Bonus Balance $ 3.42 To team more, tog in of www.Discover.com 3 Easy Ways to Contact Us 1. Access your account securely at www.Discover.com 2. Call 1.800 -DISCOVER (1.800-347-2683) Please have your Discover® 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 Minimum Payment Due Payment Due Date 31,368.83 340.00 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: Only the minimum payment 4 years $1,661 • 347 3 years $1,637 (Savings = 324 ) f you would like information about credit counseling services, call 1.800.347.1121. Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth moreSM—find easy ways to earn and redeem cash rewards NEW! Access your account securely through your mobile phone Transactions Gasoline Supermarkets Education Trans. Date Apr 24 Apr 21 Post Date Apr 24 Apr 21 SUNOCO MECHANICSBURGPA GIANT 6263 ENOLA PA 010021 Apr 22 Apr 22 GIANT 6263 ENOLA PA 010137 Apr 20 Apr 20 EMBRY RIDDLE AERONAUTICA DAYTONA FL 41.35 8.07 2.00 1,317.41 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC•VER Paperless statements mean Tess clutter, more convenience Easily access up to 24 months of downloadoble, password protected statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. • Sign up today at Discover.com/paperless 02010 Discover Bonk, Member FDIC PAPER.03I0 Transactions (cont.) Trans. Post Date Date Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 0.00 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 $ 0.00 TOTAL INTEREST CHARGED IN 2012 0.00 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISC•VER It panto DISCOVER SOLOMON LEE Account number ending in 3125 page 2 of 2 Interest Charge Calculation . Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 43 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE (APR) INTEREST RATE Purchases 0.00% $0 $0 Cash Advances 23.99% V $0 $0 V = Variable Rate Information For You Every time you use your Discover(R) card, you earn cash rewards automatically. Use your card for everyday purchases, monthly bill payments or for something special. Make your money worth more — today and every day) Need Cash? Whether it's for an unexpected bill or an emergency car repair, Discover(R) card con always help. Get cosh at ATMs nationwide or have money deposited directly into your bank account. Visit Discover.com/cash to find out more. Identity Theft Protection provides daily 3 -bureau credit report monitoring and alerts you of key changes that may help you identify potential Fraud. Visit Discover.com/itp or call 1.866.515.5302 to learn more or to enroll. Additional Important Information Sae your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolon 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 contoct us within 60 days after the error appeared on your statement, You must notify us of any potential errors (.1_152114g 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 triad in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current moiling address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases 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 to 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 Poyment Due by the Payment Due Data, 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 payii ent, and you will not receive your check back from your financial institution. The processing of your payment moy 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 Ise credited to your Account as of that day. Payments received of our processing facility after 5PM local time will be credited to your Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103 Carol Stream, It 60197-6103. Please allow 7-10 days for delivery. 1f your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER' You con pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you con setup automatic payments through a customer service representative by calling 1.800.347.2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment 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 doy prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4) digits of the social security number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account. You also authorize us to initiate debit or credit entries to your bank account, as applicable, fo correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1.800.347.2683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 84130-0421; however we must receive notice at least three business days in advance of the scheduled payment. IF your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be. You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. law. You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount. If your scheduled fixed payment Is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled poyment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. If your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the periodic statement based on credits or payments after the Closing Date. If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization • for your records. Amount: ❑ Full Pay ❑ Min Pay ❑ Min Pay + $ • 0 Fixed Pay$ Bank Routing #: ; Bank Account #: ; Frequency: Credit Reporting. We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. Ifou believe that our report is inaccurate or incomplete, please write us at the following address: Discover, PO Box 15316, Wilmington, DE 19850.5316. Please indicate your name, address, home telephone number and Account number. Paying Interest We begin to impose interest charges on a transaction fee or interest charge from the day we add it to the 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. liaw. L.e pply 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 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 doily 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 doily balances during the billing period. Credit Balances. IF your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of $1.00 or more after 6 months, or as otherwise required by applicable law. For TDD (Telecommunications Device forthe 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 RZNFE001 Questions? visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER New Balance 31,525.63 SOLOMON LEE 11 E BEALE AVE ENOLA PA 17025-2804 Minimum Payment Due $85.00 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 3125 Enter Amount Enclosed Below Please make check payable to Discover Card. You are overlimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $25.63. PO BOX 71084 CHARLOTTE NC 28272-1084 000001986451061712114015256300000000008500 Opening Date: May 28, 2012 • Closing Date: June 27, 2012 Discover More Card Account Summary Account number ending in 3125 Previous Balance Payments And Credits Purchases Balance Transfers Cosh Advances Fees Charged Interest Charged New Balance $1,368.83 0.00 + 131.80 + 0.00 + 0.00 + 25.00 + 0.00 $1,525.63 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $1,500.00 30.00 $100.00 $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 Anniversary Month April $ 3.42 + 0.32 Cashback Bonus Balance $ 3.74 To learn more, log in alwww.Discovor.com 3 Easy Ways to Contact Us 1. Access your account securely at www.Discover.com 2. Call 1 -800 -DISCOVER (1-800-347-2683) Please have your Discover® card available. 3. Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, 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 Minimum Payment Due* Payment Due Date °Includes past due amount of $40.00 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 335.00 and your purchase and balance transfer APRs for new transactions may be Increased up to the Penalty APR of 22.99% variable. $1,525.63 $85.00 July 22, 2012 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 yay rntsite rtc+ adprttant -argg as• m? this card and each moth you pay. 3 Ybu will pay tiff the 1>dtdf s:,. . oa.. this atdtt3.tnettt to '0,4:04,' .; And y;v 4vill and up paytn}Jan estin ated Coto) of Only the minimum payment 4 years 31,930 If you would like information about credit counseling services, call 1.800.347.1121. Manage Your Account Online atwww.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth moresm—find easy ways to earn and redeem cash rewards NEWI Access your account securely through your mobile phone Transactions Warehouse Clubs Trans. Date Jun 3 Post Date Jun 3 BJ WHOLESALE #0025 CAMP HILL PA $ 131.80 Fees Jun 22 Jun 22 LATE FEE TOTAL FEES FOR THIS PERIOD $ 25.00 25.00 Interest Charged 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 availoble rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. • Sign up today at Discover.com/paperless 02010 Discover Bonk, Member FDIC PAPER.0310 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 TOTAL INTEREST CHARGED IN 2012 $ 25.00 0.00 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISC•VER It pays to DISCOVER' SOLOMON LEE Account number ending in 3125 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rote on your account. Current Billing Period: 31 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE (APR) INTEREST RATE Purchases 0.00% $1,475.12 $0 Cash Advances 23.99% V $0 $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 today! Additional Important Information See your Cardmember Agreement, Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediatelyl Call 1.800.347-2683. What To Do /f You Think You Find A Mistake On Your Statement IF you think there is an error on your statement, write to us at; Discover, PO Box 30421, Salt Lake City, UT 84130.0421. In your letter, give us the following information: Account information- Your name and account number. Dollar amount: The dollar amount of the suspected error. Description of Problem If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been on error, the following are true: We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you 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 VVith Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good Faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must hove been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases mode with cosh advances from an ATM or with 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 ot 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 ot our processing facility after 5PM tical time will be credited to your Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103 Carol Stream, IL 60197-6103. Please allow 7.10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit if as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER' You can pay your monthly Minimum Payment Due, ora 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 151h 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 telepphone, you will need this statement and your bank account information. You will be asked to provide the last four (4) digits of the social security number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bonk 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, (it) statement Minimum Payment Due, (iii)' statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount. If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment Is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. It your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the periodic statement based on credits or payments after the Closing Date. If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records. Amount: Full❑Pay ❑Min Pay ❑ Min Pay + $ • 0 Fixed Pay$ Bank Routing #: • Bonk Account #: • Frequency: Credit Reporting. We• may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If 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 Indicate your name, address, home telephone number and Account number. Paying Interest. We begin to impose interest charges on a transaction fee or interest charge from the day we add it to the daily balance. We continue to impose interest charges until you pay the total amount you owe us. You con avoid paying interest on Purchases as described below. However, you cannot avoid paying interest on Balance Transfers or Cash Advances. . • •ce Period") I you paid toe New :a once on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchasesorany 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. Bowl We_Apply_tgym_ents May rnpact Yosm_Gr Ice P=riot 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 Day Balance for Each Transaction Category We start with the beginning balance for each day. The beginning balance for the first day of the billing period is your balance on the last day of your previous billing period. We add any interest charges accrued on the previous day's daily balance and any new transactions and fees. We odd any new transactions or fees as of the later of the Transaction Date or the first day of the billing period in which the transaction or Fee posted to your Account. We subtract any new credits and payments. • We make other adjustments (including those adjustments required in the "Paying Interest" section). How We Figure Your Total Interest Charges We multiply the doily balance For each Transaction Category by its daily Periodic rate. We do this for each day in the billing period. This gives us the interest charges for each Transaction Category. To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365. We add up all the doily interest charges. The sum is the total interest charge for the billing period. How We Include Fees We odd Balance Transfer Fees to the applicable Balance Transfer Transaction Category We add Cash Advance fees to the applicable Cash Advance Transaction Category. We add all other fees to the standard Purchase Transaction Category. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. Credit Balances. If your Account hos a credit balance, the amount is shown on the Front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of $1.00 or more after 6 months, or as otherwise required by applicable law. For TDD (Telecommunications Device for the Deaf) assistance, please call 1.800.347.7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discovermcard is issued by Discover Bank, Member FDIC RZNFEoos •_ •• 11• 1 = - •l • I• Questions? Visit www.Discover.com or call 1.800 -DISCOVER (1-800-347-2683). DISCOVER New Balance 51,492.30 SOLOMON LEE 11 E BEALE AVE ENOLA PA 17025-2804 Minimum Payment Due 540.00 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 3125 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 000001986451061712114014923000000000004000 Opening Date: June 28, 2012 - Closing Date: July 27, 2012 Discover More Card Account Summary Account number ending in 3125 Previous Balance Payments And Credits Purchases Balance Transfers Cosh Advances Fees Charged Interest Charged New Balance $1,525.63 200.00 + 166.67 + 0.00 + 0.00 + 0.00 + 0.00 $1,492.30 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $1,500.00 $7.00 $100.00 $7.00 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 Anniversary Month April $ 3,74 + 0.41 Cashback Bonus Balance $ 4.15 To loarn more, log in at www.Discover.com 3 Easy Ways to Contact Us 1. Access your account securely at www.Discover.com 2. Call 1.800•0ISCOVER (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 Minimum Payment Due Payment Due Date $1,492.30 $40.00 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: ifybumakert ad�ltngnal charge;;.. vting thl Card #riitE ea }'.mon ly°u PoY=.. Y8J *10 oy afF, the balance sh>ywa on thts statemesst .And yor i 'MA* 111 end Only the minimum payment 4 years $1,941 $52 3 years $1,862 (Savings = $79 ) 1 you would like information about credit counseling services, call 1.800.347.1121. Manage Your Account Online at www.Discover.com Access Free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth moresm—Findeasy ways to earn and redeem cash rewords NEW! Access your account securely through your mobile phone Transactions Trans. Post Date Date Payments and Credits Jul 3 Jul 3 INTERNET PAYMENT - THANK YOU $ •200.00 Supermarkets Warehouse Clubs Jul 23 Jul 23 GIANT 6263 ENOLA PA 02340R Jul 22 Jul 22 BJ WHOLESALE #0025 CAMP HILL PA 30.14 136.53 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean Tess cluster, 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 email or text messages on your mobile phone. • Print a paper copy of your statement, anytime. • Sign up today at Discovercom/paperless 02010 Discover Bonk, Member FDIC PAPER.03 )0 Transactions (cont.} Trans. Post Date Date Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 0.00 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 $ 25.00 TOTAL INTEREST CHARGED IN 2012 0.00 Questions? visit www.Discover.com or coll. 1 -800 -DISCOVER (1-800-347-2683). DISCOVER' II 1pISCaysto DOVER SOLOMON LEE Account number ending in 3125 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 30 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE (APR) INTEREST RATE Purchases 0.00% $1,391,27 $0 Cash Advances 23.99% V $0 $0 V = Variable Rate Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately) Call 1-800-347-2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at: Discover, PO Box 30421, Soh 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 ony potential errors In writina You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error, the following are true: We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, If we determine that we made a mistake, you will not have to pay the amount in question or any -interest or other fees related to that amount. While you do not have to 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 Arepissatisfied 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 purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services.) 2. You must hove used your credit card for the purchase. Purchases made with cash advances from an ATM or with o check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Discover, PO Box 30945, Salt Lake City, UT 84130-0945 While we investigate, the some rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. Payments. You may pay all or part of your Account balance at any time. However, you must pay at least the Minimum Payment Due by the Payment Due Date. Send only your payment and the top portion of this statement in the envelope provided. Do not send cash. By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. If payment is processed as an electronic Fund transfer, the transfer will be for the amount of the check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided. Payments received in proper farm 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 tt as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER' You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you con setup automatic payments through a customer service representative by calling 1.800.347.2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment date (e.g. the 15th 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 moil at Discover, PO Box 30421, Salt Lake City, UT 84130.0421; however we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be. You must ensure that sufficient funds are available in your bank account, and all transections must comply with U.S. law. You can setoutomatic 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 stotement, 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 occordance with your Cardmember Agreement. II 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 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: I=1 Full Pay ❑ Min Pay 0 Min Pay + $ ❑ Fixed Pay$ Bank Routing #: • Bonk Account #: ; Frequency: Credit Reporting. We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. Ifou believe that our report Is inaccurate or incomplete, please write us at the following address: Discover, PO Box 15316, W Imington, 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 stotement. New Purchases are Purchases that first appear on the current billing statement. how We Appy Payments May Impsct 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 vs 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 doily 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 o Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. Credit Balances. If your Account has a credit balance, the amount in shown on the front of your billing statement. -A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of $1.00 or more after 6 months, or as otherwise required by applicable law. for TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discovermcard is issued by Discover Bank, Member FDIC RZNFEOOI Questions? visit www.Discover,com or call 1.800 -DISCOVER )1-800-347-2683). DISC•VER New Balance 51,527.30 SOLOMON LEE 11 E BEALE AVE ENOLA PA 17025-2804 Minimum Payment Due 595.00 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 3125 Enter Amount Enclosed Below Please make check payable to Discover Card. You are overlimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $27.30. PO BOX 71084 CHARLOTTE NC 28272-1084 000001986451061712114015273000000000009500 Opening Date: July 28, 2012 - Closing Date: August 27, 2012 Discover More Card Account Summary Account number ending in 3125 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $1,492.30 0.00 + 0.00 + 0.00 + 0.00 + 35.00 + 0.00 $1,527.30 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit line Cosh Advance Credit Line Available $1,500.00 $0.00 $100.00 $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 Anniversary Month April $ 4.15 + 0.00 Cashback Bonus Balance $ 4.15 To learn Moro, log In or www.Discover.com 3 Easy Ways to Contact Us 1. Access your account securely at www.Discover.com 2. Coll 1.800 -DISCOVER (1.800347.2683) Please have your Discovers card available. 3. Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment.address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 601974103 For TDD (Telecommunications Device for the Deaf} assistance, please call 1.800.347.7449. page 1 of 2 Payment Information New Balance Minimum Payment Due' Payment Due Date `Includes past due amount of $40.00 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a tote fee of up to $35.00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 22.99% variable. $1,527.30 $95.00 September 22, 2012 Minimum Payment Warning: 11 you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you t:.. na addttt a charges tts10 thrs card aed :.:::.:$:.:.:8191.l...::: h ypu RN:< Youtiwllf poikii the; bakanee ahawn im : thtu atemettf u- : about . ;< 66.o... i•:Svll(end 140,1nl on e41in otediotak9f. Only the minimum payment 4 years $1,995 f you would like information about credit counseling services, call 1-800-347.1121. Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth moreSM—find easy ways to earn and redeem cash rewords NEW! Access your account securely through your mobile phone Transactions Fees Trans. Post Dote Date Aug 22 Aug 22 LATE FEE TOTAL FEES FOR THIS PERIOD $ 35.00 35.00 Interest Charged 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 downloadoble, password protected statements. • See your statement os 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 Discoveccom/paperless 02010 Difeover Bank, Mcmber FDIC PAPER.0310 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 $ 60.00 TOTAL INTEREST CHARGED IN 2012 0.00 Questions? Visitwww.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER It pons to DISCOVER SOLOMON LEE Account number ending in 3125 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Currant Billing Period: 31 days TYPE OF BALANCE Purchases Cash Advances V = Variable Rate ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE (APR) INTEREST RATE 0.00% $1,492.30 $0 23.99% V $0 $0 Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account, Lost or stolen cards. Report immediately) Call 1-800-347-2683. 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. 22llar 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 ig wr t no 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 Riq, D' - d . • . _r_Credtt 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 cosh advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing ot: 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 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 address or if you use an envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day. Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103 Carol Stream, IL 60197-6103. Please allow 7-10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER' You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you con setup automatic payments through a customer service representative by calling 1-800-347-2683. Automatic payments will be deducted on the Payment Due Date unless you request o recurring payment date (e.g.,the 15th day of the month) that occurs before your Payment Due Date. If your scheduled payment date falls on o weekend r bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4) digits of the social security number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each pa ment you authorize, in the amount selected by you, from your bank account. You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1.800.347.2683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 84130-0421; however we must receive notice at least three business days in advance of the scheduled payment. IF your payments may vary in amount, we will tell you on each monthly biting statement when your payment will be made and how much it will be. You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. law. You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount. If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement; your scheduled payment For that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. It your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the periodic statement based on credits or payments after the Closing Date. If you enroll by phone in our automatic payment service, please fit -in the following blanks below and retain the authorization for your records. Amount: 0 Full Pay ❑ Min Pay 0 Min Pay + $ 0 Fixed Pay$ Bank Routing #: ; Bank Account #: • Frequency: Credit Reporting. We may report information about your Account to credit bureaus. late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. IFou believe that our report is inaccurate or incomplete, please write us at the following address: Discover, PO Box 15316, Wilmington, DE 19850-5316. Please indicate your name, address, home telephone number and Account number. Paying Interest: We begin to impose interest charges on a transaction fee or interest charge from the day we add it to the daily balance. We continue to impose interest charges until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest on Balance Transfers or Cash Advances. Igterest on Purchases ("Grace Period") It you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement. New Purchases are Purchases that first appear on the current billing statement. ow W_e.Apply Payments May Impact Your_G ace 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 • Dady Balance Method (including current transactions): We calculate interest charges each billing period by first figuring the "daily balance" for each Transaction Category. Transaction Categories include standard Purchases, standard Cash Advances and different promotional balances, such as Balance Transfers. How We Figure the Darty Balance for Each Transaction Category We start with the beginning balance for each day. The beginning balance for the first day of the billing period is your balance on the last day of your previous billing period. We add any interest charges accrued on the previous day's daily balance and any new transactions and fees. We add any new transactions or fees as of the later of the Transaction Date or the first day of the billing period in which the transaction or fee pasted to your Account. We subtract any new credits and payments. We make other adjustments (including those adjustments required in the "Paying Interest" section). How We Figure Your Total Interest Charges We multiply the 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 doily interest charges. The sum is the total interest charge for the billing period. How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category. We add Cash Advance Fees to the applicable Cash Advance Transaction Category. We add all other fees to the standard Purchase Transaction Category. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement, A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of $1.00 or more after 6 months, or as otherwise required by applicable law. For TDD (Tolecommunications 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 RZNFE00t Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800.347-2683). DISCOVER' New Balance $1,427.30 SOLOMON LEE 11 E BEALE AVE ENOLA PA 17025-2804 • Minimum Payment Due Account Number ending in 3125 $40.00 Enter Amount Enclosed Below Payment Due Date October 22, 2012 Address, e-mail or telephone change? • Go to www.Discover.com or print change in space above. Pay online at www.Discover.com or make check payable to Discover. Phone and internet payments must be made by 5:OOpm ET for same day posting. PO BOX 71084 CHARLOTTE NC 28272-1084 000001986451061712114014273000000000004000 Opening Date: August 28, 2012 - Closing Date: September 27, 2012 Discover More Card Account Summary Account number ending in 3125 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $1,527.30 100.00 + 0.00 + 0.00 + 0.00 + 0.00 + 0.00 $1,427.30 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available 31,500.00 $72.00 $100.00 $72.00 You may be able to avoid Interest Charges, see Additional Important Information for details. Cashback Bonuse Opening Cashback Bonus Balance New Cashback Bonus This Period Anniversary Month April $ 4.15 + 0.00 Cashback Bonus Balance $ 4.15 To learn more, log in of www.Discovor.com 3 Easy Ways to Contact Us 1. Access your account securely at www.Discover.com 2. Call 1 -800 -DISCOVER (1.800.347.2683) Please have your Discover® card available. 3. Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197.6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1.800-347.7449. 'page 1 of 2 Payment Information New Balance $1,427.30 Minimum Payment Due $40.00 Payment Due Dote October 22, 2012 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may hove to pay a late fee of up to $35.00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 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: ou: Only the minimum payment Y w+ill * Jy;off the ku tao0o,*v;!ii' 041 hlaatatam 4 years $1,890 $50 3 years $1,806 (Savings = $84 ) 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 eam and redeem cash rewards NEWI Access your account securely through your mobile phone Transactions Payments and Credits Trans. Post Dab Date Aug 31 Aug 31 INTERNET PAYMENT - THANK YOU $ .100.00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER' Paperless statements mean 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 102010 Discover Bonk, Member FDIC PAPER.0310 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 $ 60.00 TOTAL INTEREST CHARGED IN 2012 0.00 Questions? visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER It pays to DISCOVER" SOLOMON LEE Account number ending in 3125 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 TYPEOF BALANCE Purchases Cash Advances V = Variable Rate ANNUAL PERCENTAGE BALANCE SUBJECT TO RATE (APR) INTEREST RATE 0.00% $1,436.97 $0 23.99% V $0 $0 INTEREST CHARGE 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, 11.60601; MA Mortgage Lender & Mortgage Broker UC #MC837915; Licensed by the MS Dept of Banking and Consumer Finance; Licensed by the NH Banking Dept; Ni Residential Mortgage lender UC; OH Mortgage Broker Act Mortgage Banker Exemption #MBMB.850150.000; OR Mortgage Lender LIC #ML•5100; Licensed by the PA Dept of Banking; VA Exempt Company Registration; licensed in WA under the name of DFS HL Inc., Consumer Loan LIC #CL -837915; Discover Home loans, Inc.'s NMLS #837915. Not available in NV, NY & RI Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately' Call 1-800-347-2683. .What To Do /f Y_ou�hittk_]_'ou €iagf.BJblistake On Yous .5&fement IF you think there is an error on your statement, write to us at: Discover, PO Box 30421, Sok 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, Descripi on of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistoke. 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 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. ]_oughts If You Are • • tis ' d ' o r C dit • rd se If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit cord account do not qualify. 3. You must not yet have fully paid for the purchase. IF all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Discover, PO Box 30945, 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 fo 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 loco' time on any day will be credited to your Account as of that day. Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day. IF you have misplaced your envelope, send your payment to Discover, PO Box 6103 Carol Stream, IL 60197-6103. Please allow 7.10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER' You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling • I-800.347.2683. Automatic poyments will be deducted on the Payment Due Date unless you request a recurring payrnent 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 r bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4) digits of the social security number of the primary borrower. By providing those numbers as your 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 moil at Discover PO Bax 30421, Solt Lake City,UT 84130-0421; however we must receive notice at least three business days in advance of the scheduled payment. IF your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be. You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. law. You can set automatic payments for: (i) statement New Balance, (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 os listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. IF the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. It your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the periodic statement based on credits or payments 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 0 Min Pay + $ El 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 of 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 ("Grgfe 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. ttaw We Apply Payments Mac Grace Period If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases. How We Calculate Interest Charges - Daily Balance Method (including current transactions): We calculate interest charges each billing period by first figuring the "daily balance" For each Transaction Category. Transaction Categories include standard Purchases, standard Cosh Advances and different promotional balances, such as Balance Transfers. How We Figure the Daily Balance for Each Transaction Category We start with the beginning balance for each day. The beginning balance for the first day of the billing period is your balance on the fast day of your previous billing period We add any interest charges accrued on the previous day's daily balance and any new transactions and fees. We add any new transactions or fees os of the later of the Transaction Date or the first day of tho billing period in which the transaction or fee posted to your Account. We subtract any new credits and payments. We make other adjustments (including those adjustments required in the "Paying Interest" section). How We Figure Your Total Interest Charges We multiply the daily balance for each Transaction Category by its daily periodic rate. We do this For each day in • the billing period. This gives us the interest charges for each Transaction Category. To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365. We add up all the daily interest charges. The sum is the total interest charge for the billing period. How We Include Fees We odd Balance Transfer Fees to the applicable Balance Transfer Transaction Category. We add 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 hansaction 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 ony remaining balance of $1.00 or more after 6 months, or as otherwise required by applicable law. For TDD (Telecommunications Devito for Me Deaf) assistance, please call 1-800-347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives For quality assurance purposes. The Discover®card is issued by Discover Bank, Member FDIC RZNFE001 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER' New Balance $1,407.09 SOLOMON LEE 11 E BEALE AVE ENOLA PA 17025-2804 Minimum Payment Due Account Number ending in- 3125 $40.00 Enter Amount Enclosed Below Payment Due Date November 22, 2012 $ Address, e-mail or telephone change? Go to www.Discover.com or print change in space above. Pay online at www.Discover.com or make check payable to Discover. Phone and internet payments must be made by 5:OOpm ET for same day posting. PO BOX 71084 CHARLOTTE NC 28272-1084 00000198645106)712114014070900000000004000 Opening Date: September 28, 2012 - Closing Date: October 27, 2012 Discover More Card Account Summary Account number ending in 3125 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance 31,427.30 90.00 + 69.79 + 0.00 + 0.00 + 0.00 + 0.00 $1,407.09 See Interest Charge Calculation section Following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $1,500.00 $92.00 $100.00 $92.00 You may be able to avoid Interest Charges, see Additional Important Information for details. Cashback Bonus® Opening Cashbook Bonus Balance New Cashback Bonus This Period Anniversary Month April $ 4.15 + 0.17 Cashback Bonus Balance $ 4.32 To learn mora, log in otwww.Discovor.com 3. Easy Ways to Contact Us 1. Access your account securely at www.Discover.com 2. Call 1 -800 -DISCOVER (1-800.347-2683) Please have your Discovers card available. 3. Write to us at Discover, PO Box 30943, Salt lake City, UT 84130 (Not a payment address( For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197.6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1.800.347.7449. page 1 of 2 Payment Information New Balance Minimum Payment Due Payment Due Date $1,407.09 $40.00 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, yov will pay more in interest and it will take you longer to pay off your balance. For example: Only the minimum payment 4 years $1,889 $50 3 years $1,793 (Savings = $96 ) f you would like information about credit counseling services, call 1.800-347.1121. Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bilis online and easily track all transactions Make your money worth more$M—find easy ways to earn and redeem cash rewards NEW! Access your account securely through your mobile phone . Transactions Trans. Post Dote Date Payments and Credits Oct 22 Oct 22 INTERNET PAYMENT - THANK YOU Oct 23 Oct 23 INTERNET PAYMENT - THANK YOU $ -40.00 -50.00 Warehouse Clubs Oct 21 Oct 21 BJ WHOLESALE #0025 CAMP HILL PA $ 69.79 Fees . TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER' Paperless statements mean Tess clutter, more convenience Easily access up to 24 months of downloadable, possword protected statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. • Sign up today at Discovercom/paperless ©2010 Discover Bonk, Member FDIC PAPER.0310 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 $ 60.00 TOTAL INTEREST CHARGED IN 2012 0.00 Questions? visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISC•VER It pays to DISCOVER' SOLOMON LEE Account number ending in 3125 page 2 of 2 Interest Charge Calculation Your Annuol Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 30 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE (APR) INTEREST RATE Purchases 0.00% $1,427.24 $0 Cash Advances 23.99% V $0 S0 V = Variable Rate Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediatelyl Call 1-800-347-2683. What To Do if You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at: Discover, PO Box 30421, Salt Lake City, UT 84130-0421. In your letter, give us the following information: Account information• Your name and account number. Dollar amount' The dollar amount of the suspected error. Descriptio of Problem. If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error, the following 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 Rio. ou • s i s s ie, . , d' anP durcha 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 thou $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services.) 2. You must have used your credit cord for the purchase. Purchases made with cash advonces 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. 8y sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. If payment is processed as an electronic fund transfer, the transfer will be for the amount of the check. When we use information From your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. The processing of your payment may be delayed if you send cosh, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day. Payments received at our processing Facility after 5PM local time will be credited to your Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103 Carol Stream, IL 60197.6103. Please allow 7-10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1.800.347.2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment date (e.g., the 15th day of the month) that occurs before your Payment Due Date. If your scheduled payment dote falls on a weekend r bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4) digits of the social security number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account. You also authorize us to initiate debit or credit entries to your bank account, as applicable, fo correct an error in the processing of such payment. You can cancel a scheduled payment by phone 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 ayments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be, You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. law. You can set automatic payments for: (1) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) o fixed dollar amount. If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. 11 your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance, Your automatic payment amount 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 fil-in the following blanks below and retain the authorization for your records. Amount: ' 0 Full Pay 0 Min Pay ❑ Min Pay + $ • 0 Fixed Pay$ Bank Routing #: ; Bank Account #. • Frequency: Credit Reporting. We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each 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 Interesh 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. • 4r• 1 •r • I you paid t e New to once on your previous bi ing 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. f1c vy .W A_ p_ply Payments May Impact Your Grace Pesiocl If you do not pay your New Balance in Full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases. How We Calculate Interest Charges • Daily Balance Method (including current transactions): We calculate interest charges each billing period by first figuring the "daily balance" for each Transaction Category. Transaction Categories include standard Purchases, standard Cosh Advances and different promotional balances, such as Balance Transfers. How We Figure the Daily Balance for Each Transaction Category We start with the beginning balance for each day. The beginning balance for the first day of the billing period is your balance on the last day of your previous billing period We add any interest charges accrued on the previous day's doily balance and any new transactions and fees. We add any new transactions or fees as of the later of the Transaction Date or the first day of the billing period in which the transaction or fee posted to your Account. We subtract any new credits and payments. We make other adjustments (including those adjustments required in the "Paying Interest" section). How We Figure Your Total Interest Cftarges We multiply the daily balance for each Transaction Category by its doily periodic rote, We do this for each day in the billing period. This gives us the interest charges for each Transaction Category. To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365. We add up all the daily interest charges. The sum is the total interest charge for the billing period. How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category. We add Cash Advance Fees to the applicable Cash Advance Transaction Category. We add all other' fees to the standard Purchase Transaction Category. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rote is the average of the daily balances during the billing period. Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of $1.00 or more after 6 months, or as otherwise required by applicable low. For TDD (Telecommunications Device for the Deaf) assistance, please caU 1-800-347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover®card is issued by Discover Bank, Member FDIC RZNFE001 Questions? Visit www.Discover.com or cal) 1.800 -DISCOVER (1-800-347-2683). DISCOVER' New Balance $1,442.09 • SOLOMON LEE 11 E BEALE AVE ENOLA PA 17025-2804 Minimum Payment Due $95.00 Payment Due Date December 22, 2012 Address, e -moil or telephone change? Go to www.Discover.com or print change in space above. Account Number ending in 3125 Enter Amount Enclosed Below Please make check payable to Discover Card. Minimum payment due includes* past due amount of $40.00. Phone and internet payments must be made by 5:OOpm ET for some day posting. PO BOX 71084 CHARLOTTE NC 28272-1084 000001986451061712114014420900000000009500 Opening Date: October 28, 2012 - Closing Date: November 27, 2012 Discover More Card Account Summary Account number ending in 3125 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $1,407.09 0.00 + 0.00 + 0.00 + 0.00 + 35.00 + 0.00 $1,442.09 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cosh Advance Credit Line Cosh Advance Credit Line Available $1,500.00 $57.00 $100.00 $57.00 You may be able to avoid Interest Charges, see Additional Important information for details. Cashback Bonus® Opening Cashbock Bonus Balance New Cashback Bonus This Period Anniversary Month April $ 4.32 + 0.00 Cashback Bonus Balance $ 4.32 To learn more, log in vi www.Discover.com 3 Easy Ways to Contact Us 1. Access your account securely at www.Discover.com 2. Coll 1.800 -DISCOVER (1.800.347.2683) Please have your Discovers card available. 3. Write to us at Discover PO Box 30943, Salt lake City, UT 84130 (Not o payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197-6103 Far TDD (Telecommunications Device for the Deaf) assistance, please call 1.800347.7449. page 1 of 2 Payment Information New Balance $1,442.09 Minimum Payment Due' $95.00 Payment Due Date December 22, 2012 "Includes post due amount of $40.00 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 Waming: If you make only the minimum payment each period; you will pay more in interest and it will take you longer to pay off your balance. For example: tf: ou.:hka`;no .. .. addJtonii efinras`>' rt t:::....i g us ng ifjfs caul' anrt Y.i `u Nil ay offh1is':'Anti:"oui:: ;w< :,s bala+scm aha n rsn thra statement rt ".1.l end. ;u.:,<•:> .,.n'.::<a p payl s n espmated total of ', Only the minimum payment• 4 years $1,943 f you would like information about credit counseling services, call 1-800-3471121. 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 Fees Trans. Post Date Date Nov 22 Nov 22 LATE FEE TOTAL FEES FOR THIS PERIOD $ 35.00 35.00 Interest Charged 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 of Discover.com/paperless 02010 Discover Bonk, Member FDIC PAPER.0310 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 TOTAL INTEREST CHARGED IN 2012 S 95.00 0.00 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISC•VER it Pays to DISCOVER' SOLOMON LEE Account number ending in 3125 page 2 of 2 Interest Charge Calculation Your Annuol Percentage Rate (APR) is the annual interest rate on your account. Currant Billing Period: 31 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE (APR) INTEREST RATE Purchases 0,00% 31,407.09 30 Cash Advances 23.99% V 30 $0 V = Varioble Rate Additional Important Information See your Cardmember Agreement, Your Cordmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediatelyl Call 1800.347.2683, What ro 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 iso mistake. You must contact us within 60 days ether the error appeared on your statement. You must notify us of any potential errors 1'n writ net You may call us, but if you do we ore not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error, the following are true: We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not 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. Ypyr Rights 11 You Are Disse If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must hove been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on 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 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 ore still dissatisfied with the purchase, contact us in writing ot: 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 o check transaction. IF payment is processed as an electronic Fund transfer, the transfer will be for the amount of the check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon 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. is u "r 0 ua r 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 datee.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 payent will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4) digits of the social security number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each pa ment you authorize, in the amount selected by you, from your bank account. You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1-800-347-2683 or by mail at Discover, PO Box 30421, Salt lake City, UT 84130-0421; however we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be. You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. law. You can set automatic payments for: (1) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Poyment Due plus a fixed dollar amount, or (iv) a fixed dollar amount. If your scheduled fixed payment Is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. IF your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the periodic statement based on credits or payments after the Closing Date. If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records. Amount: ❑ Full Pay ❑ Min Pay ❑ Min Pay + $ • ❑ Fixed Pay$ Bank Routing #: ; Bank Account #: ; Frequency: Credit Reporting. We may report information about your Account to credit bureaus. late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. ifou believe that our report is inaccurate or incomplete, please write us at the following address: Discover, PO Box 15316, Wilmington, DE 19850-5316. Please indicate your name, address, home telephone number and Account number. Paying Interest We begin to impose interest charges on a transaction fee or interest charge from the day we add it to the daily balance. We continue to impose interest charges until you pay the total amount you owe us. You 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") I 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. Llgw_We..Apply Payments May ImpaoLYour Grgce_1'_er ocl 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 Wo 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. Crodit 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 TOD (Telecommunications Device for the Deaf) assistance, please call 1.800-347.7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover®cord is issued by Discover Bank, Member FDIC RZNFE001 Questions? visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER New Balance $1,477.09 SOLOMON LEE 11 E BEALE AVE ENOLA PA 17025-2804 Minimum Payment Due S150.00 Payment Due Date January 22, 2013 Address, e-mail or telephone change? Go to www.Discover.cem or print change in space above. Account Number ending in 3125 Enter Amount Enclosed Below Please make check payable to Discover Card. Minimumpayment due includes a past due amount of $95.00. Phone and internet payments must be made by 5:OOpm ET for same day posting. PO BOX 71084 CHARLOTTE NC 28272-1084 000001986451061712114014770900000000015000 Opening Date: November 28, 2012 - Closing Date: December 27, 2012 Discover More Card Account Summary Account number ending in 3125 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $1,442.09 0.00 + 0.00 + 0.00 + 0.00 + 35.00 + 0.00 $1,477.09 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cosh Advance Credit Line Cosh Advance Credit Line Available $1,500.00 $22.00 $100.00 $22.00 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 Anniversary Month April $ 4.32 + 0.00 Cashback Bonus Balance $ 4.32 To learn more. log in ai www.Discover.com 3 Easy Ways to Contact Us 1. Access your account securely at www.Discover.com 2. Coll 1 -800 -DISCOVER (1-800-347.2683) Please have your Discover® card available. 3. Write to us at Discover, PO Box 30943, Salt Joke City, UT 84130 (Not o payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197.6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347.7449. page 1 of 2 Payment Information New Balance $1,477.09 Minimum Payment Due` $150.00 Payment Due Date January 22, 2013 •Includes past due amount of $9500 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35.00 and your purchase and balance transfer APRs for new transactions moy be increased up to the Penalty APR of 22.99% variable. Minimum Payment Waming: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If "„IVA: lta rut „> : >'< ro..alsb....'i€€? tislit 'iakiis>eai tiii'd»:€<- 9 eii h'It1k117ff1�.' l>Il • Y3ti Miill> o <f tiff tti0 bakncm?iaieSina.. :al$sfo11 ttttfr€># : t1}�ssiatammstwn;: t1 ()15: O b. . OV4:.90)Ilie`ndi ostimafaiiiofal:'' cI: : Only the minimum payment 4 years $1,998 f you would like information about credit counseling services, call 1.800-347:1121. Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth moresM—find easy ways to earn and redeem cash rewards NEWT Access your account securely through your mobile phone Transactions fees Trans. Date Dec 22 ATst E Dec 22 LATE FEE TOTAL FEES FOR THIS PERIOD $ 35.00 35.00 Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadable, password protected statements. • See your statement as soon os it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print o paper copy of your statement anytime. • Sign up today at Discovercom/paperless 02010 Discover Bonk, Member FDIC PAPER.0310 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 TOTAL INTEREST CHARGED IN 2012 $ 130.00 0.00 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER It pays to DISCOVER' SOLOMON LEE Account number ending in 3125 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 30 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE (APR) INTEREST RATE Purchases 0.00% $1,442.09 $0 Cash Advances 23.99% V $0 $0 V = Variable Rate Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately) Call 1-800-347-2683. Whet 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. Dolor amount. The dollar amount of the suspected error. Description of Problem• If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been 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 mode a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. While you do not have to pay the amount in question, you are responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit.. .a.v.rilights 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 purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services.) 2. You must have used your credit card For the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit cord account do not qualify. 3. You must not yet have fully paid For the purchase. If all of the criteria above are met and you 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 poyment and the top portion of this statement in the envelope provided. Do not send cash. By sending your check os described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. IF payment is processed as an electronic fund transfer, the transfer will be for the amount of the check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. The processing of your payment may be delayed 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 clay will be credited to your Account as of that day. Payments received at our processing facility after SPM local time will be credited to your Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103 Carol Stream, IL 60197.6103. Please allow 7.10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. 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: (t) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount. If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cordmember Agreement. It your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the periodic statement based on credits or payments after the Closing Date. If you enroll by phone in our automatic payment service, please fill-in the Following blanks below and retain the authorization for your records. Amount: ❑ Full Pay ❑ Min Pay ❑ Min Pay + $ •❑ Fixed Pay$ Bank Routing #: ; Bank Account #: ; Frequency: Credit Reporting. We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. Ifou believe that our report is inaccurate or incomplete, please write us at the following address: Discover, PO Box 15316, Wilmington, DE 19850-5316. Please indicate your name, address, home telephone number and Account number. Paying interest We begin to impose interest charges on a transaction fee or interest charge from the day we odd it to the daily balance. We continue to impose interest charges until you pay t(ie total amount you owe us. You con avoid paying interest on Purchases as described below. However, you cannot avoid paying interest on Balance Transfers or Cash Advances. How to Avoid Paying Interest on Purchases ("G ace Period") I 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. ligw Wq 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 Day Balanco 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 TOD (Telecommunications Device for the Deaf) assistance, please call 1.800.347.7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover®card is issued by Discover Bank, Member FDIC RZNFEOOI Questions? Visitwww.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER ACCOUNT SUMMARY Previous Balance $1,477.09 Payments and Credits — $100.00 Purchases + $0.00 Balance Transfers + $0.00 Cosh Advances + $0.00 Fees Charged + $35.00 Interest Charged + $0.00 New Balance $1,412.09 See Interest Charge Calculation section following the Transactions section for detailed APR information Credit Line Credit Line Avoiloble Cosh Advance Credit Line Cosh Advance Credit Line Available You may be able to ovoid interest on Purchases. See reverse for details. $1,500 $87 $100 $87 c - J Contact Us Discover.com 1-800-347-2683 Please moke check payable to Discover. You are nearing your credit line; coil today to opply for a line increase. Phone and internet payments must be mode by 5:OOpm ET for some day posting. Make Check poyoble to Discover. Pleose fold on the perforation below, detach and return with your payment. Discover More Card Account number ending in 3125 Open Date: Dec 28, 2012- Close Dote: Jon 27, 2013 Cordmember Since 2012 Page 1 of 4 PAYMENT INFORMATION New Balance $1,412.09 Minimum Payment Due Poyment Due Dote Includes past due amount of: $105.00 February 22, 2013 $ 50.00 Late Poyment Warning: If we do not receive your minimum payment by the dote listed above, you may have to pay o late fee of up to $35.00 and your purchose 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 lake you longer to pay off your balance. For example: fir u a er a 'cid Honor akg in 's car8 a^A ch ' .._,Rrr .,^ r� ..: d ay off the 65nce s7 ` `liown a Is °situ-tw'emendlna 1. tAn``� OWiill"e d up 'fir r *6 rig a n e timaf*id Notal " f. -ft. u., >f, Only_the minimum payment 5 years $2,036 f you would like informotion about credit counseling services, call 1-800-347-1121. REWARDS Cashback Bonus® Opening Balance New Coshback Bonus This Period Redeemed This Period Cashback Bonus Balance To learn more, log in at Discover.com +S _$ Anniversary Month April 4.32 0.00 4.32 0.00 j NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION PaymentCoupon nasov�pleeoolldcpt �,,. able- Discoverr`rcomit Pa%bPho e' 1-800134.47' 2683 tairornAtteateilicr% xtv nl,llntitlnlllltllIntl'11111.11tllt111"lll,lll,lll,lllllll SOLOMON LEE 11 E BEALE AVE ENOLA PA 17025-2804 Phone and Internet payments must be received by 5PM ET to be credited as of the same day. Address, e-mail or telephone changed? Note changes on reverse side. Account number ending in 3125 Minimum Poyment Due $105.00 New Balance $1,412.09 Payment Due Date Februory 22, 2013 Amount enclosed PO BOX 71084 CHARLOTTE NC 28272-1084 tl��nitt�lllll�lllulltll�n�il�tltil�ll�l�ll��lll�ltlll�ll�!nl 000001986451061712114014120900185910010500 1 SOLOMON LEE Account number ending in 3125 Important Information See your Cordmember Agreement. Your Cordmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately) Call 1-800-347-2683. What To Do If You Think You Find A Mistake On Your Statement ti you think there is on error on your statement, write to us al: Discover, PO Box 30421, Salt Lake 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. A copy of this notice is available of www.Discover.com. Payments. You may pay all or pori of your Account balance at any time. However, you must pay of least the Minimum Payment Due by the Payment Due Date. Send only your payment and the bottom portion of this statement in the envelope provided. Do not send cosh. If you pay by check, you outhorize us to use information on your check to make on electronic fund transfer from your account of the financiol institution indicated on your check or to process the payment as o check transaction. If a payment is processed os on electronic fund transfer, the transfer will be for the omounl of the check. When we use informotion 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 finonciol 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 of our processing facility by 5PM local time on any day will be credited to your Account as of shot day. Payments received of our processing facility offer 5PM tocol 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, Corot Stream, IL 60197.6103. Please ollow 7-10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it os an electronic debit. You con pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account bolonce, over the telephone or you can setup outomotic 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 statement, or the next outomalic payment dote referred to on your statement, unless you request a recurring poyment date (e.g., the 15'h day of the month) that occurs before your Payment Due Dote or Close Date. If your scheduled payment dote falls on o weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedvle 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 eoch payment you authorize, in the amount selected by you, from your book account. You also authorize us to initiate debit or credit entries to your bank occount, os applicable, to correct on error in the processing of such payment_ You can cancel o scheduled payment by phone al 1.800-347-2683 or by moil at Discover, PO Box 30421, Soh Coke City, UT 84130-0421; however, we must receive notice at least three business days in advance of the scheduled poyment. If your poymenls moy 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 Dote: Dec 28, 2012 • Close Date: Jan 27, 2013 Poge 2 of 4 You must ensure that sufficient funds ore available in your bank account, and all tronsactions must comply with U.S. law. You con set outomolic poymenls for: (i) statement New Bolonce, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) Other dollor amount. If your scheduled "Other dollar amount" payment is not enough to cover the Minimum Payment Due os listed on your monthly billing statement, your scheduled payment for that month will be increosed to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Poyment Due, any excess will be applied in occordonce with your Cordmember Agreement. If your scheduled payment is greater thon the New Bolonce on your billing stotement, that payment will be processed only for the amount of your New Bolonce. Your automatic poyment amount may be less thon the amount indicoled on the billing statement bosed on credits or poymenls offer the Close Dale. If you enroll by phone in our automatic payment service, please fill-in the following blanks below and reloin the outhorizotion for your records, Amount: 0 Full Pay 0 Min Poy 0 Min Poy+ $ 0 Other AmountS ; Bonk Routing #: Bank Account # Monthly on the 0 Payment Due Date ❑ Close Date 0 Day of month (insert dote) Credit Reporting. We may report informotion about your Account to credit bureaus. Lote payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting ogencies each month. If you believe shot our report is inoccurote or incomplete, pleose 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 dale each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Dote or the first doy of the billing period in which the tronsoction posted to your Account. How We Calculate Interest Charges. We Use the Daily Balance Method (including current transactions) to colculote the Balance Subject to Interest Role. For more informotion, pleose coil us al 1-800-347-2683. Balance Subject to Interest Rate. Your stotement shows a Bolonce Subject to Interest Rote. It shows this for each transaction category. The Balance Subject io Interest Rate is the average of the doily balances during the billing period. Credit Bolances. 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 o refund of any remaining balance of $1.00 or more after 6 months, or as otherwise required by applicable law, or upon request mode to the address in the Contact Us section on page 3 of your billing statement. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® 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 State, Zip Home Phone Work Phone Email To make changes to your address, email or telephone number, visit Discover.com Continued on nerd page Discover More Card • Account number ending in 3125 Open Dote: Dec 28, 2012 - Close Date: Jon 27, 2013 Page 3 of 4 CONTACT US O Web Access your account securely of Discover.com Mobile Manage your account onytime, anywhere of m,Discover.com Phone 1 -800 -DISCOVER (1-800.347.2683) TDD 1-800-347-7449 Inquiry Discover PO Box 30943 Solt Lake City UT 84130 Moil Payments Discover PO Box 6103 Carol Stream IL 60197-6103 Transactions Payments and Credits Trans. Date Post Date Jon 4 Jan 4 INTERNET PAYMENT - THANK YOU $ -100.00 Fees Jan 22 Jan 22 LATE FEE TOTAL FEES FOR THIS PERIOD 35.00 35.00 Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 0.00 2013 Totals Year -to -Date TOTAL FEES CHARGED IN 2013 . TOTAL INTEREST CHARGED IN 2013 $ 35.00 $ 0.00 Interest Charge Calculation Your Annuol Percentage Rote (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 0,00% $1,399.66 50.00 Cash Advances 23.99% V $0.00 $0.00 V=Vorioble Rote NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION SOLOMON LEE Account number ending in 3125 Open Dote: Dec 28, 2012 • Close Date: Jan 27, 2013 Page 4 of 4 ACCOUNT SUMMARY Previous Balance $1,412.09 Payments and Credits — $0.00 Purchases + 50.00 Balance Transfers + $0.00 Cosh Advances + $0.00 Fees Charged + $35.00 Interest Charged + $21.74 New Balance $1,468.83 See Interest Charge Colculotion 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 avoid interest on Purchases. See reverse for details. $1,500 $31 $100 $31 Contact Us Discover.com 1-800-347-2683 Please make check poyable to Discover. You are nearing your credit line; call todoy to apply for a line increase. Phone and internet poyments must be mode by 5:OOpm ET for same day posting. Make Check poyoble to Discover. Please fold on the perforation below, detach and return with your payment. ay.Vnline" } iscoveiLpfartY.com "1 Ii1 111"'1'li'11111111111-1-11'111111'll'll1,1'1"1'11111111 SOLOMON LEE 11 E BEALE AVE ENOLA PA 17025-2804 Discover More Card Account number ending in 3125 Open Dote: Jan 28, 2013- Close Dote: Feb 27, 2013 Cordmember Since 2012 Page 1 of 4 PAYMENT INFORMATION New Balance $1,468.83 Minimum Poyment Due * Poyment Due Date • Includes past due amount of: $182.00 March 22, 2013 $105.00 Late Poyment 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 purchose and balance tronsfer 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 poyment each period, you will pay more in interest and it will take you longer 10 pay off your balance. For example: N3. 3 U1W slfip*. * "irM If.you mmaxe no aadd h al c�targ'esl 16U ng thts ca d and each month " .,..N.„-:• ypu 19Y. 6t;.kV' t n*: > 1V#F� ' D 'n ry+f Youww ll pay off.he � 'balgrce i%o�Wrr a 1 this statetn_"ent,inabdut @;;n ''.5 w is,r 14,T .mrt,. , Y nd you wid endup 3poyui94an1Ashmat'ed total rAr- e, 1..X Only the minimum poyment 5 yeors $2,072 f you would like information obout credit counseling services, coll 1-B00-347-1121. REWARDS Cashback Bonus® Opening Balance New Cashback Bonus This Period Redeemed This Period Cashback Bonus Balance To leorn more, log in at Discover.com +S —$ Anniversary Month April 0.00 0.00 0.00 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION aNaztoattnAvontePa l y,Phorie Phone and Internet payments must be received by 5PM ET to be credited as of the some day. Address, e-mail or telephone changed? Noie changes on reverse side. Account number ending in 3125 Minimum Poyment Due $182.00 New Balance 51,468.83 Payment Due Date Amount enclosed March 22, 2013 $ PO BOX 71084 CHARLOTTE NC 28272-1084 11111111111111+1111,1111111111111-T11111,1111,111W11111.1, 000001986451061712114014688300102070018200 SOLOMON LEE Account number ending in 3125 Important Information • See your Cordmember Agreement. Your Cordmember Agreement contains all the terms of your Account. Lost or stolen cords. Report immediotelyl 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 Loke City, UT 84130-0421. You must write to us within 60 days of -ter the error appeared on your statement. Yov may colt us, but if you do we are not required to investigate any potential errors, and you may hove to poy the amount in question. The Billing Rights Notice further explains your rights. A copy of this notice is ovailable at hltps://discover.com/billingrights. Poyments. You may poy all or part of your Account balance at any time. However, you must poy at least the Minimum Payment Due by the Payment Due Dote. Send only your poyment and the bottom portion of this stotement in the envelope provided. Do not send cash. If you pay by check, you authorize us to use information on your check to moke 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 a 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 on electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from .your financial institution. The processing of your payment may be delayed if you send cosh, correspondence or other items with your payment, if you send the payment to ony other address or if you use an envelope other than the one provided. Payments received in proper form at our processing facility by 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. Please allow 7.10 days for delivery. If your poyment is returned unpaid, we reserve the right to resubmit if as on electronic debit. Payments mode 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 Poyment Due, or o greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through o customer service representative by calling 1-800-347-2683. Automatic poyments for the billing period shown on your statement will be deducted on the Poyment Due Date shown on that stoiement, or the next automatic payment date referred to on your statement, unless you request a recurring payment date (e.g., the 15th doy of the month) that occurs before your Poyment Due Date or Close Date. If your scheduled payment date falls on o weekend or bonk holidoy, your payment will be processed the business doy 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 eoch payment you authorize, in the amount selected by you, from your bank account. You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment. You can cancel o scheduled payment by phone at 1-800-347-2683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 84130-0421; however, we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be mode and how much it will be. CHANGE OF ADDRESS Open Dote: Jan 28, 2013 - Close Dote: Feb 27, 2013 Page 2 of 4 You must ensure that sufficient funds are available in your bank account, and all transodions must comply with U.S. low. You can set automatic payments for: (i) statement New Balonce, (ii) statement Minimum Poyment 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 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 Balonce. 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: OFull Pay ❑Min Pay 0Min Poy+ $ 0 Other AmountS ; Bonk Routing #: Bonk Account # Monthly on the 0 Payment Due Dote 0 Close Date Q Doy of month (insert date) Credit Reporting. We moy report information about your Account to credit bureaus. Late poyments, missed poyments, or other defaults on your Account moy 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, pleose 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 leost 23 days for billing periods that begin in Februory). 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 Balonce 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 colculote the Balance Subject to Interest Rote. For more information, pleose colt us of 1.800.347-2683. Balance Subject to Interest Rate. Your statement shows a Balonce Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the daily bolances 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 balonce 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 ony remaining balance of $1.00 or more offer 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 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 Slate, Zip Home Phone Work Phone Emoil To make changes to your address, email or telephone number, visit Discover.com Continued on next page Discover More Card Account number ending in 3125 Open Dote: Jon 28, 2013 - Close Date: Feb 27, 2013 Page 3 of 4 CONTACT US Web Access your account securely at Discover.com Mobile Manoge your occount anytime, anywhere al 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 Feb 22 Feb 22 LATE FEE $ 35.00 TOTAL FEES FOR THIS PERIOD 35.00 Interest Charged INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD 21.74 0.00 0.00 21.74 2013 Totals Year -to -Date TOTAL FEES CHARGED IN 2013 TOTAL INTEREST CHARGED IN 2013 $ 70.00 $ 21.74 Interest Charge Calculation Your Annuol Percentage Rate (APR) is the annual interest rate on your occount. Current Billing Period: 31 days TYPE OF BALANCE Purchases Cash Advances V=Variable Rale ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO (APR) INTEREST RATE 17.99% V $1,422.58 23.99% V $0.00 INTEREST CHARGE $21.74 50.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION SOLOMON LEE Account number ending in 3125 Open Date: Jan 28, 2013 - Close Date: Feb 27, 2013 Page 4 of 4 ACCOUNT SUMMARY Previous Balance $1,468.83 Payments and Credits 80.00 Purchoses + $0.00 Balance Transfers + $0.00 Cash Advances + $0.00 Fees Chorged + $35.00 Interest Charged + $20.40 New Balance $1,524.23 See Interest Charge Colculation section following the Tronsoctions section for detailed APR information Credit Line Credit Line Available Cosh Advance Credit Line Cosh Advance Credit Line Available You may be able to avoid interest on Purchoses. See reverse for details. $1,500 $0 $100 $0 Contact Us Discover.com 1-800-347-2683 See "Information For You" section for important informotion regarding Your Billing Rights. Please make check payable to Discover. You ore overlimit. Pay the sum of the Minimum Payment Due plus the remaining overlimit amount of $24.23. Make Check payable to Discover. Please fold on the perforation below, detach and return with your payment. Discover More Card Account number ending in 3125 Open Date: Feb 28, 2013- Close Dale: Mar 27, 2013 Cardmember Since 2012 Page 1 of 4 PAYMENT INFORMATION New Balance Minimum Payment Due' Payment Due Dote ' Includes past due amount of: $1,524.23' $258.00 April 22, 2013 $182.00 Late Payment Warning: If we do not receive your minimum payment by the dale listed above, you may hove to pay 0 tote fee of up to $35.00 and your purchase and balance tronsfer 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 pay more in interest and it will take you longer to pay off your balance. For example: f li jrriti, muhe :no,additiional charges 1:usingthis card and oeh mrtith. `.- ;you pay...ll You wiB pay off the, ''', btslante shown ort thr atotement in abgyt... And you will end by :: paying on estimated, total of,.. . . Only the minimum pyment 4 years $2,112 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 leorn more, log in of Discover.com Anniversary Month April $ 0.00 + 5 0.00 — $ 0.00 $ 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Payment Coupon: Pieose do notifold; clip or stapler Pay Online DiscoVer:com Vic,by Pt one:,`.::.;,; 1-800-3d 7. 2683 `, •• 11111111111dl 1 1111"111111 1 1111111,,, '111111111111 1 ,1i SOLOMON LEE 11 E BEALE AVE ENOLA PA 17025-2804 Phone and Internet poyments 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 3125 Minimum Payment Due $258.00 New Balance $1,524.23 Payment Due Date April 22, 2013 Amount enclosed PO BOX 71084 CHARLOTTE NC 28272-1084 1111 11111111111 111I 11111111111111111111 111111111111111111111111111111 000001986451061712114015242300638940025800 SOLOMON LEE Account number ending in 3125 Important Information See your Cardmember Agreement . 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, Solt Lake City, UT 84130-0421. You must write to us within 60 days after the error appeared on your stotement. You may coil 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. Pleose see your Cardmember Agreement or visit haps://discover.com/billingrights for o copy of this notice. Payments. You may pay all or part of your Account balance at any time. However, you must pay ai least the Minimum Poyment Due by the Payment Due Dote. Send only your poyment and the bottom portion of this statement in the envelope provided. Do not send cosh. If you pay by check, you ouihorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. If a payment is processed os on electronic fund transfer, the transfer wit be for the amount of the check. When we use informotion from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon os the same day we receive your poyment, and you will not receive your check back from your financial institution. The processing of your poyment may be delayed if you send cosh, correspondence or other items with your payment, if you send the payment to 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 any day will be credited to your Account as of that day. Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day. If you hove misplaced your envelope, send your payment io Discover, PO Box 6103, Carol Stream, IL 60197.6103. Please allow 7.10 days for delivery. If your payment is returned unpoid, we reserve the right to resubmit it as on electronic debit. Payments mode online or by phone will be credited as of the day of receipt if mode by 5 PM Eastern time. You can pay your monthly Minimum Payment Due, or a greater omount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by tolling 1-800-347-2683. Automatic payments for the billing period shown on your statement will be deducted on the Poyment Due Dote shown on that statement, or the next automatic payment date referred 10 on your statement, unless you request a recurring poyment date (e.g., the 15' day of the month) that occurs before your Payment Due Dote or Close Date. If your scheduled poyment date falls on o weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account informotion. 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 io deduct each payment you authorize, in the amount selected by you, from your bank account. You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1-800.347.2683 or by mail at Discover, PO Box 30421, Solt Lake City, UT 84130-0421; however, we must receive notice ot least three business days in advance of the scheduled payment. If your poyments may vory 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 r Open Date: Feb 28, 2013 - Close Date: Mar 27, 2013 Page 2 of 4 You must ensure thot sufficient funds are available in your bank account, and all transactions must comply with U.S. low. You con set automatic payments for: (i) statement New Bolonce, (ii) statement Minimum Payment Due, (iii) stotement Minimum Payment Due plus a fixed dollar omount, or (iv) Other dollar amount. If your scheduled "Other dollar amount" payment is not enough to cover the Minimum Poyment Due os listed on your monthly billing statement, your scheduled payment for thot month will be increased io cover the Minimum Poyment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. If your scheduled 'payment is greater than the New Balonce on your billing statement, that poyment will be processed only for the amount of your New Balonce. Your automatic payment amount may be less ihon 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 retoin the authorization for your records. Amount: D Full Pay a Min Pay ° Min Pay+ $ Other Amount$ ; Bonk Routing #: Bank Account # • Monthly on the 0 Payment Due Dote 0 Close Dote 0 Day of month (insert dote) Credit Reporting . We may report information about your Account to credit bureous. Late poyments, missed payments, or other defaults on your Account moy 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 ot the following address: Discover, PO Box 15316, Wilmington, DE 19850-5316. Please include your name, address, home telephone number and Account number. Paying Interest. Your due dote is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will not charge you any interest on Purchases if you pay your entire 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 Dote or the first day of the billing period in which the tronsodion 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 cull us 011-800-347-2683. 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 Rote is the overage 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 moy make charges against this amount if your Account is open. We will send you a refund of any remaining balance of $1.00 or more after 6 months, or as otherwise required by applicable law, or upon request mode 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@ cord is issued by Discover Bonk, Member FDIC. TL23N If correct on front, do not use. Pleose print clearly in blue or black ink, in the space provided. Street Address City State, Zip Home Phone Work Phone Email To make changes to your address, email or telephone number, visit Discover.com Continued on next page Discover More Card Account number ending in 3125 Open Dote: Feb 28, 2013 - Close Dote: Mor 27, 2013 Page 3 of 4 CONTACT US Web Access your account securely at Discover.com Mobile Manage your account onylime, anywhere of m.Discover.com Phone 1 -800 -DISCOVER (1-800-347-2683) TDD 1-800-347-7449 Inquiry Discover PO Box 30943 Solt Lake City UT 84130 Mail Payments Discover PO Box 6103 Carol Stream IL 60197-6103 Transactions Trans. Date Post Date Fees Mar 22 Mar 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 20.40 0.00 0.00 20.40 2013 Totals. Year -to -Date TOTAL FEES CHARGED IN 2013 TOTAL INTEREST CHARGED IN 2013 $ 105.00 $ 42.14 interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rote on your account. Current Billing Period: 28 days ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchases 17.99% V 51,478.64 520.40 Cash Advances 23.99% V $0.00 $0.00 V=Voriable Rate Information For You Your Billing Rights: Keep This Document For Future Use This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. What To Do If You Find A Mistake On Your Statement If you think there is an error on your stotement, write to us at: Discover,P0 Box 30421,5011 Lake City, UT 84130.0421. In your letter, give us the following information: • Account information: Your name and occount number. - Dollar amount: The dollar amount of the suspected error. • Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You muss contact us: • Within 60 days after the error appeared on your statement. • At least 3 business doys before an automated payment is scheduled, if you wont 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 ony potential errors and you may hove to pay the amount in question. What Will Happen After We Receive Your Letter When we receive your letter, we must do two things: 1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will olso 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 onyour 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 remainder of your balance. • We con apply any unpaid amount against your credit limit. After we finish our investigation, one of two things will happen: • If we mode a mistake: You will not hove to pay the amount in question or any interest or other fees related to that amount. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION SOLOMON LEE Account number ending in 3125 Open Date: Feb 28, 2013 - Close Date: Mor 27, 2013 Page 4 of 4 Information For You ... Continued • If we do not believe there was o mistake: You will hove to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe. If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us thot you still refuse to pay. If you do so, we cannot report you os delinquent without also reporting that you are questioning your bill. We must tell you the name of onyone to whom we reported you os delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the rules above, you do not hove to pay the first $50 of the amount you question even if your bill is correct. Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services Choi you hove purchased with your credit cord, and you hove tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchose must have been made in your home state or within 100 miles of your current moiling address, and the purchose price must hove been more than $50. (Note: Neither of these are necessary if your purchase was based on on advertisement we moiled to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cosh advances from an ATM or with a check that accesses your credit cord account do not qualify. 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing a1: Discover PO Box 30945 Solt Lake City, UT 84130-0945 While we investigote, 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. ACCOUNT SUMMARY Previous Balance $1,524.23 Payments and Credits — $0.00 Purchases + $0.00 Balance Transfers + $0.00 Cosh Advances + $0.00 Fees Charged + $35.00 Interest Charged + $23.47 New Balance $1,582.70 See Interest Charge Calculation section following the Tronsodions section for detailed APR information Credit Line $1,500 Credit Line Available Cash Advance Credit Line Cosh Advance Credit Line Available You may be oble to avoid interest on Purchases. See reverse for details. Contact Us Discover.com 1-800-347-2683 Please make check payable to Discover. You ore overlimit. Pay the sum of the Minimum Payment Due plus the remaining overlimit amount of $82.70. Make Check payable to Discover. Pleose fold on the perforation below, detach and return with your payment. Pgy'Online Discoveccom. I'II1 " III1 " I' III II IIIIIII II 1III1I IIIII 1'I1111I ITV 1II1III IIIIII SOLOMON LEE 1 1 E BEALE AVE ENOLA PA 17025-2804 Ltne Discover More Card Account number ending in 3125 Open Dote: Mor 28, 2013- Close Dote: Apr 27, 2013 Cardmember Since 2012 Page 1 of 4 PAYMENT INFORMATION New Balance Minimum Payment Due * Payment Due Dote * Includes post due amount of: $1,582.70 $337.00 May 22, 2013 $258.00 Late Payment Warning: If we do not receive your minimum payment by the dote listed above, you may hove to pay a late fee of up to $35.00 and your purchase and balance transfer APRs for new tronsaciions 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 bolonce. For example: If yob mokeioa�dltiacagf"mll" "aia'h es *using scard • #9-WPW,:, . uw of e balonceshowno his ysaei±apu $ Aydtnowrllnd up nag anihtnted loarm � �!.'�rt... Only the minimum payment 4 yeors $2,151 f you would like information about credit counseling services, call 1-800-347-1121. REWARDS Cashback Bonus® Opening Balance New Cashback Bonus This Period Redeemed This Period Cashback Bonus Balance To learn more, log in at Discover.com Anniversary Month April $ 0.00 + S 0.00 $ 0.00 $ 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION ; ,b • x»s s.s. ay yPhone. f80034=2b8:3i 'ti+!at+aen.�rro.�as�am!� Phone and Internet payments must be received by 5PM ET to be credited as of the some day. Address, e-mail or Telephone changed? Note changes on reverse side. Account number ending in 3125 Minimum Payment Due $337.00 New Balance $1,582.70 Payment Due Date May 22, 2013 Amount enclosed $ PO BOX 71084 CHARLOTTE NC 28272-1084 III II I11IIII11I11111111IIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIII'lull 000❑01986451061712114015827000296000033700 SOLOMON LEE Account number ending in 3125 Importbnt Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediotelyl Call 1-800-347-2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at: Discover, PO Box 30421, Solt Loke City, UT 84130-0421. You must write to us within 60 days after the error op eared on your statement. You may callus, but if you do we are not required to investigate any potential errors, and you may have to pay the amount in question. The Billing Rights Notice further explains your rights. Please see your Cordmember Agreement or visit haps://discover.com/billingrights for o copy of this notice. Payments. You moy pay all or part of your Account balance at any time. However, you must pay at least the Minimum Payment Due by the Payment Du Date. Send only, ourpayment and the bottom portion othis statement in the envelope provided. Do o not send cosh. If you pay by check, you authorize us to use information or your check to moke an a ectronicndl transfer from your occount at the tmoncial institution indicated on your check or to process the payment es a check trpnsaction. It a payment is processed as an electronic fund,transter, the transfer will b for the amount of the check. When we use information from your check to moke an electronic fund tronsfer, funds may be withdrawn from yoyr account os 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 oddress or if you use an envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local time on any doy 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. Pleose ollow 7.10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit ii os an electronic debit. Payments mode online or by phone will be credited as of the day of receipt if made by 5 PM Eastern time. You can pay your monthly Minimum Payment Due, or o 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 coiling 1.800-347-2683. Automatic payments for the billing period shown on your statement will be deducted on the Poyment Due Dole shown on that statement, or the next automatic payment date referred io on your statement, unless you request a recurring payment dote (e.g., the 15'h day of the month) that occurs before your Poyment Due Dote or Close Date. If your scheduled payment dole falls on a weekend or bank holiday, your payment will be processed the business doy prior to the weekend or bank holiday. In order 10 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 signoture, you will be agreeing io this authorization to ollow us and your bank to deduct each payment you authorize, in the amount selected byyou, from your bonk account. You olso authorize us to initiate debit or credt entries to your bank account, as applicable, to correct on error in the processing of such payment. You can cancel a scheduled payment by phone at 1.800-347.2683 or by moil at Discover, PO Box 30421, Solt Lake City, UT 84130-0421; however, we must receive notice of least three business days in advance of the scheduled poyment. 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 i1 will be. CHANGE OF ADDRESS Open Date: Mar 28, 2013 - Close Dote: Apr 27, 2013 Page 2 of 4 You must ensure that sufficient funds are available in your bank account, and all transodions must comply with U.S. law. You con set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due,iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) Other dollar amount. If your scheduled "Other dollar amount" payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Poyment Due. If the scheduled poymeni is greater than the Minimum Poyment Due, ony excess will be opplied in accordance with your Cardmember Agreement. If your scheduled payment is greater thon the New Balance on your billing statement, that poymeni will be processed only for the amount of your New Bolonce. Your automatic payment amount may be less thon the amount indicated on the billing statement based on credits or payments offer the Close Date. If you enroll by phone in our automatic poyment service, please fill-in the following blanks below and retain the authorization for your records. Amount: 0 Full Pay 0 Min Pay 0 Min Poy+ $ 0 Other Amount$ ; Bonk Routing #: Bank Account # Monthly on the 0 Payment Due Date 0 Close Dote 0 Doy of month (insert date) Credit Reporting. We may report information about your Account to credit bureaus. Lote payments, missed payments, or other defaults on your Account moy be reflected in your credit report. We normolly report the status and payment history of your Account to credit reporting agencies eoch month. If you believe that our report is inaccurate or incomplete, please write us of 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 dote is of least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will not charge you any interest on Purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Tronsfers 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 transodions) to calculate the Balance Subject to Interest Rate. For more information, pleose call us at 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 Rote is the overage of the daily balances during the billing period. Credit Balances. If your Account has o 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 moke charges ogainst 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 os otherwise required by applicable low, or upon request mode to the oddress 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 Bank, Member FDIC. TL23N If correct on front, do not use. Please print cleorly in blue or black ink, in the spoce provided. Street Address City Stote, Zip Home Phone Work Phone Email To make changes to your address, email or telephone number, visit Discover.com Continued on next pogo Discover More Card Account number ending in 3125 Open Date: Mor 28, 2013 - Close Dote: Apr 27, 2013 Page 3 of 4 CONTACT US 0 Web Access your account securely at Discover.com Mobile Manage your account anytime, anywhere of m.Discover.com Phone 1 -800 -DISCOVER (1-800-347-2683) TDD 1-800-347-7449 Inquiry Discover PO Box 30943 Solt Lake City UT 84130 Mail Payments Discover PO Box6103 Carol Stream IL 60197-6103 Transactions Trans. Date Post Date Fees Apr 22 Apr 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 $ 23.47 0.00 0.00 23.47 2013 Totals Year -to -Date TOTAL FEES CHARGED IN 2013 TOTAL INTEREST CHARGED IN 2013 $ 140.00 $ 65.61 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 ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO (APR) INTEREST RATE 17.99% V $1,535.55 23.99% V $0.00 INTEREST CHARGE $23.47 50.00 Information For You For more information about how interest charges ore calculated see your Cordmember Agreement or go to www.discover.com/interestchorges NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION SOLOMON LEE Account number ending in 3125 Open Dote: Mar 28, 2013 - Close Dote: Apr 27, 2013 Page 4 of 4 ACCOUNT SUMMARY Previous Balance $1,582.70 Payments and Credits — $0.00 Purchases + 50.00 Balance Transfers + 50.00 Cosh Advances + 50.00 Fees Chorged + $35.00 Interest Charged + $23.57 New Bolonce 51,641.27 See Interest Charge Colculation section following the Transactions section for detailed APR information Credit Line Credit Line Available Cosh Advance Credit Line Cosh Advance Credit Line Available You moy be able to avoid interest on Purchases. See reverse for details. $1,500 $0 5100 $0 rContact Us Discover.com 1-800-347-2683 Discover More Card Account number ending in 3125 Open Dote: Apr 28, 2013- Close Dote: May 27, 2013 Cord member Since 2012 Page 1 of 4 PAYMENT INFORMATION New Balance Minimum Payment Due' Poyment Due Date Includes past due amount of: $1,641.27 $416.00 June 22, 2013 $337.00 Late Payment Warning: If we do not receive your minimum payment by the dote listed above, you moy have to pay a lote 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 eoch period, you will pay more in interest and it will toke you longer to pay off your balance. For example: If you make no additional charges •using this,cord.and+eoch:month you;pay,:: 'You;will pay off the • ,balance shown on this `statemenl;in about::. • And you wit end up paying an estimated`total Only the minimum payment 4 yeors $2,192 f you would like information about credit counseling services, coll 1-800-347-1121. REWARDS J Make Check payable to Discover. Please fold on the perforation below, detach and return with your payment. 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 April 0.00 0.00 0.00 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Payment:CouponPay On Please'do not fold; clip or staple. ® line ' Discovercom Pay by Phone 1;;800=347:268.3 111111"1111111' 11'11'11'1'11111111'1111'11'111'1111111'1'111 11 SOLOMON LEE 11 E BEALE AVE ENOLA PA 17025-2804 • Phone and Internet payments must be received by 5PM ET to be credited as of the some day. Address, e-mail or telephone changed? Note changes on reverse side. Account number ending in 3125 Minimum Payment Due 5416.00 New Balance $1,641.27 Payment Due Date Amount enclosed June 22, 2013 $ PO BOX 71084 CHARLOTTE NC 28272-1084 11111111111' 111111111' 1' 111111111 "1111111' 1111111111111111 1111 000❑01986451061712114016412704632490041600 1 SOLOMON LEE Account number ending in 3125 Open Dote: Apr 28, 2013 - Close Dote: May 27, 2013 Page 2 of 4 Important Information See your Cardmember Agreement. Your Cordmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately! Call 1-800-347-2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is on error on your statement, write to us o1: Discover, PO Box 30421, Solt Loke 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 ony potential errors, and you moy hove to pay the amount in question. The Billing Rights Notice further explains your rights. Please see your Cardmember Agreement or visit https://discover.com/billingrights for a copy of this notice. Payments. You moy pay all or port of your Account balance of any time. However, you must poy ot least the Minimum Poyment Due by the Payment Due Dote. Send only, our payment and the bottom porton of this statement in the envelope prow ed. Do not send cosh. If you pay by check, you authorize us to use in ormofion on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the poyment as o check trgnsoction. If a payment is processed os ank eledronrc fund transfer, the transfer will be for the amount of the ransfer,Wfunds moy be information withdrawn from your account as soon os the somfund day we receive your payment, and you will not receive your check bock from your financial institution. The processing of your poyment moy be delayed if you send cosh, correspondence or other items with your payment, if you send the payment to 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 any day will be credited to your Account as of that day. Payments received at our processing focility after 5PM local time will be credited to your Account os of the next day. If you have misplaced your envelope, send your poyment io Discover, PO Box 6103, Carol Scream, IL 60197.6103. Please allow 7.10 doys for delivery. If your poyment is returned unpaid, we reserve the right to resubmit it os on electronic debit. Payments mode online or by phone will be credited as of the day of receipt if mode by 5 PM Eastern time. You con poy your monthly Minimum Poyment Due, or a greater amount that does not exceed your current Account bolance, 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 Dote shown on thot statement, or the next automotic payment dote referred to on your, statement, unless you request a recurring poyment dole (e.g., Ihe 15h day of the month) thot occurs before your Poyment Due Dote or Close Dote. If your scheduled poyment 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 informotion. You will be asked to provide the lost 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 poyment you authorize, in the amount selected by you, from your bank account. You also authorize us to initiate debit or credit entries to your bonk account, os 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,Soli Lake City, UT 84130.0421; however, we must receive notice of leost three business doys in advance of the scheduled poyment. If your payments may vary in amount, we will tell you on each monthly billing stotement when your poyment will be made and how much it will be. CHANGE OF ADDRESS You must ensure Ihot sufficient funds ore available in your bonk occouni, and oll transactions must comply with U.S. low. You con set automatic payments for: (i) statement New Balance, (ii) statement Minimum Poyment Due, (iii) statement Minimum Poyment 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 Poyment Due os listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Poyment 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 Bolonce. 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 oulhorizoiion for your records. Amount D Full Pay 0 Min Pay 0 Min Poy+ $ 0 Other Amount$ ; Bonk Routing #: Bank Account # • Monthly on the ❑ Poyment Due Dote 0 Close Dote Day of month (insert date) Credit Reporting. We may report information about your Account to credit bureous. Lote poyments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and poyment history of your Account lo credit reporting agencies each month. If you believe thot our report is inaccurate or incomplete, please write us ot 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 days often the close of each billing period lot least 23 days for billing periods that begin in February), We will not charge you ony interest on Purchases if you pay your entire bolance by the due dote each month. We will begin charging interest on Cosh Advances and Balance Transfers as of Ihe toter 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 Bolonce Method (including current transactions) to colculote the Balance Subject lo Interest Rote, For more information, pleose colt us al 1-800-347.2683. Balance Subject to Interest Rate. Your statement shows a Bolonce Subject to Interest Rote. It shows this for each transodion category. The Balance Subject to Interest Rote is the overage of the daily bolonces during the billing period. Credit Balances. If your Account hos o credit balance, the omounl is shown on the front of your billing statement. A credit bolance 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 ony remaining balance of $1.00 or more after 6 months, or as otherwise required by opplicobte law, or upon request mode to the address in the Contact Us section on poge 3 of your billing statement. Discover moy monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® card is issued by Discover Bank, Member FDIC. TL23N If correct on front, do not use. Please print clearly in blue or block ink, in the space provided. Street Address City State, Zip Home Phone Work Phone Email To make changes to your address, email or telephone number, visit Discover.com Continued an next page Discover More Card Account number ending in 3125 Open Date: Apr 28, 2013 - Close Dote: May 27, 2013 Page 3 of 4 CONTACT US 0 Web Access your account securely at Discover.com Mobile Manage your account onytime, anywhere of m,Discover.com Phone 1 -800 -DISCOVER (1-800-347-2683) TDD 1-800-347-7449 Inquiry Discover PO Box 30943 Salt Loke City UT 84130 Mail Payments Discover PO Box6103 Corol Streom IL 60197-6103 Transactions Trans. Date Post Date Fees May 22 May 22 LATE FEE $ 35.00 TOTAL FEES FOR THIS PERIOD 35.00 Interest Charged INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD 23.57 0.00 0.00 23.57 2013 Totals Year -to -Date TOTAL FEES CHARGED IN 2013 TOTAL INTEREST CHARGED IN 2013 $ 175.00 $ 89.18 Interest Charge Calculation Your Annual Percentage Rote (APR) is the annual interest rate on your account. Current Billing Period: 30 days ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchases 17.99% V $1,594.07 523.57 Cash Advances 23.99% V 50.00 S0.00 V=Variable Rate Information For You For more information about how interest charges ore calculated see your Cordmember Agreement or go to www.discover.com/interestchorges NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION SOLOMON LEE Account number ending in 3125 Open Dole: Apr 28, 2013 - Close Date: May 27, 2013 Page 4 of 4 ACCOUNT SUMMARY Previous Balance $1,641.27 Payments and Credits — 50.00 Purchases + 50.00 Balance Transfers + 50.00 Cosh Advances + 50.00 Fees Charged + $35.00 Interest Charged + $25.26 New Balance $1,701.53 See Interest Charge Calculation section following the Transactions section for detailed APR information Credit Line Credit Line Avoilable Cash Advance Credit Line Cosh Advance Credit Line Avoiloble You may be oble to ovoid interest on Purchases. See reverse for details. $1,500 $0 $100 $0 Contact Us Discover.com 1-800-347-2683 i Make Check poyoble to Discover. Pleose fold on the perforation below, detach and return with your payment. Discover More Card Account number ending in 3125 Open Dote: May 28, 2013- Close Dote: Jun 27, 20] 3 Cardmember Since 2012 Page 1 of 4 PAYMENT INFORMATION New Balance Minimum Payment Due' Payment Due Date • Includes past due amount of: $1,701.53 5497.00 July 22, 2013 $416.00 Late Payment Warning: If we do not receive your minimum payment by the dote listed above, you may have to pay o late fee of up to $35.00 and your purchase and balance transfer APRs for new transections may be increosed 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 bolance. For exomple: IfA otr' fiVnd'«�4'� tr Wali iL'a ail} ryod,makr a nnosvddlhonolrch.oryes }usiSjgrthis card and"e`adi months yoy;pay�f� +.Iq{ ',ff4'yrof ten You w,ll pay�yo . .e,, ,oaloncesshoownnon tthi ;4tatementmabovt •R' }:evs: ,1 ,C'+h Tt dayou,�wtl B P+ 't s tpaytng an eshmated total of..`". `,`i ,, Only the minimum payment 4 years $2,234 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 April $ 0.00 + $ 0.00 —$ 0.00 $ 0.00 1111111111111111111111111w111111111111111' 1111111'1111"111111 SOLOMON LEE 11 E BEALE AVE ENOLA PA 17025-2804 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION 5y'-'n. 800.by $honee'. -347.2683,„ its`m44,15.44:rptstS4e�acv�t Phone and Internet payments must be received by 5PM ET to be credited as of the same day. Address, e-mail or Telephone changed? Note changes on reverse side. 000001986451061712114017015300391440049700 Account number ending in 3125 Minimum Poyment Due 5497.00 New Bolonce $1,701.53 Payment Due Date Amount enclosed July 22, 2013 $ PO BOX 71084 CHARLOTTE NC 28272-1084 111111111"11111111111' 1"' 1' 1' I I I' 1111' 1' 11111 "1' 1' 11111111111 SOLOMON LEE Account number ending in 3125 Important Information See your Cardmember Agreement. Your Card member Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately! Call 1-800-347-2683. What To Do if You Think You Find A Mistake On Your Statement If you think there is on error on your stotement, write to us at: Discover, PO Box 30421, Salt Lake City, UT 84130-0421. You must write to us within 60 doys after the error appeared on your stotement. You may colt us, but if you do we ore not required to investigate any potential errors, and you moy hove io pay the amount in question. The Billing Rights Notice further explains your rights. Please see your Cordmember Agreement or visit, haps://discover.com/billingrights for a copy of this notice. Payments. You may pay all or port of your Account balance ot any time. However, you must pay at feast the Minimum Payment Due by the Payment Due Dote. Send only, your payment and the bottom portion of this stotement in the envelope proyii ed. Do not send cash. If you poy by check, you outhoriz us o use inrormation on your check to make an electronic fund transfer from your occount of the financial institution indicated on your check or torocess the payment os o check tr nsacfion. It a poyment is processed os an electronic fund transfer, the transfer will be for the amount of the check. When we use informotion from your check to make on electronic fund transfer, funds may be withdrawn from your occount as soon os the same doy we receive your payment, and you will not receive your check bock from your finonciol institution. The processing of your poyment 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 doy 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 os 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 poyment is returned unpaid, we reserve the right to resubmit it as on electronic debit. Payments mode online or by phone will be credited as of the day of receipt if mode by 5 PM Eastern time. You can pay your monthly Minimum Poyment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through o customer service representative by calling 1.800-347-2683. Automatic payments for the billing period shown on your statement will be deducted on the Payment Due Dole shown on thot statement, or the next automatic payment date referred to on your stotement, 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 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 osked 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 bunk account. You also authorize us to initiate debit or credit entries to your bank account, as opplicoble, to correct on error in the processing of such poyment. You con cancel o scheduled payment by phone at 1-800-347-2683 or by moil of Discover, PO Box 30421, Salt Lake City, UT 84130-0421; however, we must receive notice of leost three business days 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 Date: May 28, 2013 - Close Date: Jun 27, 2013 Page 2 of 4 You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. low. You con set automatic payments for: (i) stotement 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 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 Cordmember Agreement. If your schedu'ed payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Bolonce. Your automatic poyment amount may be less Than the amount indicated on the billing stotement bosed on credits or payments after the Close Date. If you enroll by phone in our outomatic poyment service, please fill-in the following blanks below and retain the authorization for your records. Amount: 0 Full PoyD Min Pay DMin Poy+ $ D Other Amount$ Bonk Account # ; Bonk Routing #: Monthly on the 0 Poyment Due Date 0 Close Date 0 Doy of month (insert dote) Credit Reporting. We moy 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 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 ot least 25 days after the close of each billing period (at least 23 doys for billing periods that begin in Februory). We will not charge you any interest on Purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advonces 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 tronsactions) to calculate the Bolonce Subject to Interest Rate. For more information, please call us at 1-800-347-2683. Balance Subject to Interest Rate. Your statement shows a Bolonce Subject to Interest Rote. It shows this for each transoction category. The Bolonce Subject to Interest Rote is the overoge of the daily bolonces during the billing period. Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing stotement. 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 stotement. Discover may monitor and/or record telephone colts between you and Discover representatives for quolity assurance purposes. The Discover® card is issued by Discover Bank, Member FDIC. TL23N • If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Street Address City State, Zip Home Phone Work Phone Email To make changes to your address, email or telephone number, visit Discover.com Continued on next page Discover More Card Account number ending in 3125 Open Dote: May 28, 2013 - Close Date: Jun 27, 2013 Page 3 of 4 CONTACT US O Web Access your account securely at Discover.com Mobile Manage your account anytime, anywhere of 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 Streom IL 60197-6103 Transactions Trans. Date Post Date i Fees Jun 22 Jun 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 25.26 0.00 0.00 25.26 2013 Totals Year -to -Date TOTAL FEES CHARGED IN 2013 TOTAL INTEREST CHARGED IN 2013 $ 210.00 $ 114.44 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 ANNUAL PERCENTAGE RATE (APR) 17.99% V 23.99% V BALANCE SUBJECT TO INTEREST RATE $1,653.46 $0.00 INTEREST CHARGE S25.26 50.00 Information For You For more information about how interest charges are calculated see your Cordmember Agreement or go to www.discover.com/intereslcharges NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION SOLOMON LEE Account number ending in 3125 Open Dote: May 28, 2013 - Close Dote: Jun 27, 2013 Page 4 of 4 ACCOUNT SUMMARY Previous Balance $1,701.53 Poyments and Credits — $0.00 Purchases + $0.00 Balance Transfers + $0.00 Cosh Advances + $0.00 Fees Charged + $35.00 Interest Charged + $25.34 New Balance $1,761.87 See Interest Chorge Calculation section following the Tronsactions section for detailed APR information Credit Line Credit Line Avoilable Cosh Advance Credit Line Cosh Advance Credit Line Avoiloble You may be able to ovoid interest on Purchases. See reverse for details. $1,500 $0 $100 $0 Contact Us Discover.com 1-800-347-2683 Discover More Card Account number ending in 3125 Open Dote: Jun 28, 2013- Close Dote: Jul 27, 2013 Card member Since 2012 Page 1 of 4 PAYMENT INFORMATION New Balance Minimum Payment Due' Poyment Due Dote ` Includes past due amount of: $1,761.87 $578.00 August 22, 2013 $497.00 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 tronsfer APRs for new tronsodions may be increosed up lo 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: oU eke o add tw ai,.. - es If using thd'rcard and each month 5� � h 1 ; h ou wrt ff�'the.; •balpncs shown o- a this stale"`hVe t,n,abo . a ,r1W.VM11441t.PeiV, IA "Anted y� v14ll p f � }paying an eshmated total 1 if .. total Only the minimum payment 4 years $2,277 f you would like information about credit counseling services, calf 1-800-347.1121. i REWARDS i Pleose moke check payable to Discover. You are overlimit. Pay the sum of the Minimum Payment Due plus the remaining overlimit amount of $261.87. Make Check payable to Discover. Pleose fold on the perforation below, detach and return with your payment. ass sxsxa s ^ n .9 . x .nsrx •Payment Coupon "A Pay'Onlln€ Pleasedo,,not„Idclprior staple� �� ..DiscEcom i'llt11 1 tIl1l! II1llllillli11111111 111ll111 11111 111111 1 SOLOMON LEE 11 E BEALE AVE ENOLA PA 17025-2804 Cashback Bonus® Opening Bolance New Cashback Bonus This Period Redeemed This Period Cashback Bonus Balance To learn more, log in at Discover.com Anniversary Month April $ 0.00 + $ 0.00 — $ 0.00 $ 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Phone and Internet payments must be received by 5PM ET to be credited as of the same day. Address, e-mail or telephone changed? Note changes on reverse side. Account number ending in 3125 Minimum Payment Due $578.00 New Bolance $1,761.87 Payment Due Date Amount enclosed • August 22, 2013 PO BOX 71084 CHARLOTTE NC 28272-1084 Ill11 1111111111 Illi'll'lll1111 Iii''lllllllll'l11 111111 1H1 0000019864510617121140176187❑0328910057800 SOLOMON LEE Account number ending in 3125 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 on 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 doys ofier the error oppeored on your statement_ You may call us, but if you do we ore not required lo investigate any potential errors, and you moy hove to pay the omount in question. The Billing Rights Notice further exploins your rights. Pleose see your Cardmember Agreement or visit htlps://discover.com/billingrights for o copy of this notice. Payments. You may poy all or port of your Account balance of anytime. However, you must poy of least the Minimum Payment Due by the Po mens Du Dote. Send only, ourppayment and the bottom portion this statement in the envelope prow ed. Do not send cosh. If you poy by neck, o ouhorizg us to use in ormotion on your check tmace on electronic tund transfer trom yovr accountatthe finonciol institution indicated on your check or on eleyycytro icefupnd,tronster,the tronsheck terswill be n.forathpe amounnt t ofrthesse trhansfer, funds moy befwithdrawnfromyyrraccount as soon electronic fund nd day we receive your payment, and you will not receive your check bock trom your finonciol 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 of our processing facility by 5PM local time on any daywill 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 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 710 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit ii as on electronic debit. Poyments made online or by phone will be credited os of the day of receipt if mode by 5 PM Eastern lime. You con poy your monthly Minimum Poyment Due, or a greater amount thot does not exceed your current Account bolonce, over the telephone or you con setup automatic payments through o customer service representolive by calling 1-800.347-2683. Automatic poyments for the billing period shown on your statement will be deducted on the Payment Due Date shown on that statement, or the next automatic payment date referred to on your stotement, unless you request a recurring payment dole (e.g., the 15'h doy of the month) that occurs before your Payment Due Dote 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 bonk occounl 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 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 bonk account. You also authorize us to initiate debit or credit entries to your bank account, os applicoble, lo 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, Solt Lake City, UT 84130.0421; however, we must receive notice at least three business days in odvonce of the scheduled payment. If your payments moy vory 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: Jun 28, 2013 - Close Date: Jul 27, 2013 Page 2 of 4 You must ensure that sufficient funds ore ovailoble in your bunk account, and all transactions must comply with U.S. low. You con set ovtomotic poyments for: (i) statement New Balance, (ii) statement Minimum Payment Dve, (iii) statement Minimum Payment Due plus a fixed dollor amount, or (iv) Other dollar amount. If your scheduled "Other dollar omount" payment is not enough to cover the Minimum Payment Due os listed on your monthly billing siotement, your scheduled poymenl 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 Ikon the New Balance on your billing statement, that payment will be processed only for the omount of your New Bolonce. Your automatic payment omount moy be less than the amount indicated on the billing statement based on credits or payments offer the Close Dote. If you enroll by phone in our automatic payment service, pleose fill-in the following blanks below and retain the authorization for your records. Amount: 0Full Pay OMin Poy 0Min Poy+ $ 0 Other Amount$ ; Bank Routing #: Bank Account # • Monthly on the 0 Payment Due Date 0 Close Date 0 Day of month (insert dote) 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 io credit reporting agencies eoch month. If you believe that our report is inaccurate or incomplete, please write us at the following address; Discover, PO Box 15316, Wilmington, DE 19850-5316. Please 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 days for billing periods that begin in February). We will not charge you any interest on Purchases if you poy your entire balance by the due dote each month. We will begin charging interest on Cosh Advances and Balance Transfers as of the toter 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) io calculate the Balance Subject to Interest Rate. For more information, please call us 011-800-347-2683. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Role. It shows this for each transaction category. The Balance Subject lo Interest Rate is the overage of the doily balances during the billing period. Credit Balances. If your Account hos o credit bolonce, the amount is shown on the front of your billing statement. A credit bolonce is money that is owed to you. You may make charges against this omount if your Account is open. We will send you o refund of any remaining bolonce of $1.00 or more offer 6 months, or os otherwise required by applicoble low, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Discover moy monitor and/or record telephone coils 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 cleorly in blue or block ink, in the space provided. Street Address City State, Zip Home Phone Work Phone Emoil To make changes to your address, email or telephone number, visit Discover.com Continued on ne,l page Discover More Card Account number ending in 3125 Open Date: Jun 28, 2013 - Close Date: Jul 27, 2013 Page 3 of 4 CONTACT US 0 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 I1.60197-6103 Transactions Trans. Date Post Dale J Fees Jul 22 Jul 22 LATE FEE $ 35.00 TOTAL FEES FOR THIS PERIOD 35.00 Interest Charged INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD $ 25.34 0.00 0.00 25.34 2013 Totals Year -to -Date TOTAL FEES CHARGED IN 2013 TOTAL INTEREST CHARGED IN 2013 $ 245.00 $ 139.78 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 30 days TYPE OF BALANCE Purchases Cash Advances V=Variable Rate ANNUAL PERCENTAGE RATE (APR) 17.99% V 23.99% V BALANCE SUBJECT TO INTEREST RATE 51,713,75 $0.00 INTEREST CHARGE $25.34 $0.00 Information For You For more informotion about how interest charges ore calculated see your Cordmember Agreement or go to www.discover.com/interesicharges NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION SOLOMON LEE Account number ending in 3125 Open Dole: Jun 28, 2013 • Close Dote: Jul 27, 2013 Poge 4 of 4 EXHIBIT "P-2" IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DISCOVER BANK Plaintiff VS. SOLOMON LEE Defendant CIVIL ACTION Civil Action No. 14-1176 OBJECTION TO SUMMARY JUDGMENT 1. There has been no single legitimate contact from Pressler & Pressler, Plaintiffs Collection Agency, contrary to the Fair Debt Collection Practices Act before filing to the court! 2. Legal Insufficiency; Not a single document was attached to Plaintiffs Civil Complaint! No single document was presented to the Defendant on the court hearing day! 3. Exhibit "A" and "B"prove only that the collection agency holds an account in the defendant's name — not that the debt itself is legally valid or that defendant actually incurred the debt. And that James Ball, who validated the account, is neither a direct employee of Discover Bank nor collection agency( Pressler & Pressler,LLP)! WHEREFORE, Defendant requests THE FINAL NOTICE TO PRODUCE THE DOCUMENT. Respectfully submitted Solomon J. Lee, Defendant April 16, 2014 PRESSLER and PRESSLER, LLP BY: FRANCIS X. GRIMES, ESQUIRE I.D. NO.:62404 804 WEST AVENUE JENKINTOWN, PA 19046 (215) 576-1900 DISCOVER BANK Plaintiff v. IpNplr�r 2014 AUG ? / Pti 08 Attorney for Plaintiff CUMBER' PENNSYLVANIA V COUNTY Y COURT OF COMMON PLEAS LAW DIVISION CUMBERLAND COUNTY DOCKET NO: 14-1176 CIVIL SOLOMON LEE CIVIL ACTION Defendant CERTIFICATE OF SERVICE I, Francis X. Grimes, Esquire, hereby certify that on this date I served a true and correct copy of the foregoing Plaintiffs Motion and Memorandum of Law in Support of Judgment on the Pleadings upon the Defendant or any attorneys of record, by first class mail, postage prepaid, on the date indicated below. Dated: F' CIS X. GRIMES, ESQUIRE A orney for Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DISCOVER BANK Plaintiff VS. SOLOMON LEE Defendant CIVIL ACTION ) ) ) ) ) Civil Action No. 14-1176 MOTION TO DISMISS Pursuant to Rule § 42.61(a) of Pennsylvania Code, defendant Solomon J. Lee hereby moved to dismiss the above -captioned action for failure to file on time. The grounds for defendant's motion are set forth in the accompanying Brief In Support of Defendant's Motion To Dismiss, dated September , 2014. For the reason appearing therein, plaintiffs claim should be dismissed, with prejudice. A proposed form of order is attached. Dated: September 15, 2014 Respectfully submitted, Solomon J. Lee, Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DISCOVER BANK Plaintiff VS. SOLOMON LEE Defendant ) ) ) ) CIVIL ACTION Civil Action No. 14-1176 BRIEF IN SUPPORT OF DEFENDANT'S MOTION TO DISMISS Rule § 42.61 Dismissal of Complaints (a) of Pennsylvania Code The Plaintiff failed to file on time against the Defendant's Objection to Summary Judgment(Filed-Office of the Prothonotary; 2014 April 17 AM 8:00) . CONCLUSION For the foregoing reason, plaintiff's action should be dismissed, with prejudice. Dated: September 15, 2014 Respectfully Submitted, Solomon J. Lee, Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DISCOVER BANK ) Plaintiff ) VS. ) SOLOMON LEE ) Defendant ) CIVIL ACTION Civil Action No. 14-1176 [PROPOSED] ORDER This case is before the Court upon defendant's Motion to Dismiss, filed September 15, 2014. The Court having considered the partiesrespective submissions in support of and in opposition to defendant's motion, the relevant facts, and applicable law, . IT IS HEREBY ORDERED: Defendant's motion is hereby CfRATITED. So ORDERED this A6 day of , 2014 301 anon J. Lee v x r.inlese A'led DPIejJiI9 DO for HON. PRAECIPE FOR LISTING CASE FOR ARGUMENT (Must be typewritten and submitted in triplicate) TO THE PROTHONOTARY OF CUMBERLAND COUNTY: (List the within matter for the next Argument Court.) CAPTION OF CASE (entire caption must be stated in full) DISCOVER BANK;, VS. SOLOMON LEEr, 1176 2014 No.Term 1. State matter to be argued (i.e., plaintiff's motion for new trial, defendant's demurrer to complaint, etc.): Plaintiffs Motion for Judgment on the Pleadings 2. Identify all counsel who will argue cases: (a) for plaintiffs: Francis X. Grimes, Esquire, 804 West Avenue, Jenkintown, PA 19046 (Name and Address) (b) for defendants: (Name and Address) 3. I will notify all parties in writing within two days that this case has been listed for argument. 4. Argument Court Date: Date: December 19, 2014 (071d/ti( i���� gnature Francis X. Grimes, Esquire Print your name Attorney for Plaintiff INSTRUCTIONS: 1. Original and two copies of all briefs must be filed with the COURT ADMINISTRATOR (not the Prothonotary) before argument. 2. The moving party shall file and serve their brief 14 days prior to argument. 3. The responding party shall file their brief 7 days prior to argument. 4. If argument is continued new briefs must be filed with the COURT ADMINISTRATOR (not the Prothonotary) after the case is relisted.IL-t--Hocn T) 1Z fAq s it PRESSLER and PRESSLER, LLP By: FRANCIS X. GRIMES, ESQUIRE ID No.: 62404 804 West Avenue Jenkintown, PA 19046 (215)576-1900 Attorney for Plaintiff DISCOVER BANK : COURT OF COMMON PLEAS : CUMBERLAND COUNTY : CIVIL ACTION -LAW v. : No.: 14-1176 CIVIL SOLOMON LEE Plaintiff Defendant CERTIFICATE OF SERVICE I hereby certify that I have served a true and correct copy of Plaintiffs Praecipe for Listing Case for Argument on the date indicated below to all parties or their attorneys of record. by: X regular first class mail certified mail other PRESSLER and PRESSLER, LLP DATED: %U BY: i RANCIS X. , ESQUIRE Attorney for P1 DISCOVER BANK, : COURT OF COMMON PLEAS OF PLAINTIFF : CUMBERLAND COUNTY, PENNSYLVANIA v. SOLOMON LEE, DEFENDANT : 14-1176 CIVIL TERM IN RE: PLAINTIFF'S MOTION FOR JUDGMENT ON THE PLEADINGS AND DEFENDANT'S PRELIMINARY OBJECTIONS STYLED AS AN OBJECTION TO SUMMARY JUDGMENT BEFORE GUIDO, J., MASLAND, J., AND PECK, J. ORDER OF COURT AND NOW, this i day of December, 2014, upon consideration of the Motion for Judgment on the Pleadings filed by Plaintiff, Discover Bank, the Preliminary Objections filed by Defendant, Solomon Lee, styled as an "Objection to Summary Judgment", briefing by the parties, and argument en banc, the Motion for Judgment on the Pleadings is DENIED, the Preliminary Objections are OVERRULED, and the Defendant is DIRECTED to file an Answer to the Complaint within twenty (20) days of the entry of this order. By the Court, Albert H. Masland, J. "Francis X. Grimes, Esquire PRbrney for Plaintiff v /Solomon Lee, Pro se 11 E. Beale Avenue Enola, PA 17025 DISCOVER BANK, : COURT OF COMMON PLEAS OF PLAINTIFF : CUMBERLAND COUNTY, PENNSYLVANIA v. SOLOMON LEE, DEFENDANT : 14-1176 CIVIL TERM IN RE: PLAINTIFF'S MOTION FOR JUDGMENT ON THE PLEADINGS AND DEFENDANT'S PRELIMINARY OBJECTIONS STYLED AS AN OBJECTION TO SUMMARY JUDGMENT BEFORE GUIDO, J., MASLAND, J., AND PECK, J. OPINION AND ORDER OF COURT Masland, J., December 30, 2014: -- Before the court is the Motion for Judgment on the Pleadings filed by Plaintiff, Discover Bank, against the Defendant, Solomon Lee. Following consideration of the motion, the pleadings, briefing by the parties, and argument en banc, the Motion will be denied in accordance with this opinion and order of court. This is a collections matter arising from an allegedly delinquent credit card account. After being served with the Complaint, Defendant, representing himself, filed a pleading styled as an "Objection to Summary Judgment." The pleading reads: 1. There has been no single legitimate contact from Pressler & Pressler, Plaintiff's Collection Agency, contrary to the Fair Debt Collection Practices Act before filing to the court! 2. Legal Insufficiency; Not a single document was attached to Plaintiff's Civil Complaint! No single document was presented to the Defendant on the court hearing day! 3. Exhibit "A" and "B" prove only that the collection agency holds an account in the defendant's name — not that the debt itself is legally valid or that defendant actually incurred the debt. And that James Ball, who validated the account, is 14-1176 CIVIL TERM neither a direct employee of Discover Bank nor collection agency (Pressler & Pressler, LLP)! WHEREFORE, Defendant requests THE FINAL NOTICE TO PRODUCE THE DOCUMENT. Objection to Summary Judgment, filed April 17, 2014. Plaintiff construed Defendant's filing as an Answer and seeks judgment on the pleadings on the basis that the purported Answer fails to admit or deny the averments in the Complaint and therefore constitutes an admission. We disagree. Unrepresented litigants remain bound by the rules of court despite the absence of counsel. Cove Center, Inc. v. Westhaver Const., Inc., 965 A.2d 259, 262 (Pa. Super. 2009). Nonetheless, "[t]he rules shall be liberally construed to secure the just, speedy and inexpensive determination of every action or proceeding to which they are applicable. The court at every stage of any such action or proceeding may disregard any error or defect of procedure which does not affect the substantial rights of the parties." Pa. R.C.P. No. 126. With those principles in mind, we have little difficulty in determining that Defendant's "Objection to Summary Judgment" amounts to a filing of Preliminary Objections. Specifically, he objects on the basis of the legal insufficiency of the Complaint due to a lack of attached documentation and he objects to the adequacy of the verification. These are both issues properly and routinely raised via Preliminary Objection. See Pa. R.C.P. No. 1028(a)(4) and (a)(2). As such, Defendant's filing does not constitute an Answer that amounts to an admission and does not provide a basis for entry of judgment on the pleadings. Turning to the merits of Defendant's Preliminary Objections we first address the question of the attachment of documents to the Complaint. Generally, a complaint filed -2- 14-1176 CIVIL TERM against a credit card debtor must, at a minimum, include a copy of the relevant cardholder agreement and a statement of the account to substantiate the amount allegedly owed. Atlantic Credit and Finance, Inc. v. Giuliana, 829 A.2d 340 (Pa. Super. 2003). Here, Plaintiff has attached a cardmember agreement as Exhibit A to its Complaint. Plaintiff has also attached copies of a series of billing statements addressed to Defendant from June 2012 to July 2013 detailing the charges to his account from an initial zero balance to a final balance of $1,761.87, which is the debt claimed in the Complaint. Compl. at ¶14; Ex. B. These two exhibits clearly satisfy Plaintiffs pleading attachment requirements and therefore we will overrule objection on that issue. Defendant also objects on the basis of an inadequate verification. Rule 1024(c), states: The verification shall be made by one or more of the parties filing the pleadings unless all parties (1) lack sufficient knowledge or information, or (2) are outside the jurisdiction of the court and the verification of none of them can be obtained within the time allowed for filing the pleading. In such cases, the verification may be made by any person having sufficient knowledge or information and belief and shall set forth the source of the person's information as to matters not stated upon his or her own knowledge and the reason why the verification is not made by a party. Pa. R.C.P. No. 1024(c) (emphasis added). Here, James Ball, Litigation Support Manager, executed the verification of the Complaint. It reads, in relevant part: The Plaintiff lacks sufficient knowledge or information to execute this verification, however, I have sufficient knowledge and information in my position as Litigation Support Manager with DB Servicing Corporation which is a subsidiary of Plaintiff and is the servicing affiliate of Discover Bank and which creates and maintains the business records for Discover Bank. -3- 14-1176 CIVIL TERM THAT, in my capacity as Litigation Support Manager, I have access to records regarding the Discover Card account of the above referenced Defendant(s), and, further, that I have personally inspected said account and statements regarding the balance due on said amount. DB Servicing Corporation maintains these records in the ordinary course of business. Verification, dated March 10, 2014. By its plain language, the verification to Plaintiffs Complaint comports with the requirements of Rule 1024. Defendant's objection to the inadequacy of the verification is overruled.' In sum, we treat Defendant's filing styled as an "Objection to Summary Judgment" as Preliminary Objections rather than an Answer and deny Plaintiffs Motion for Judgment on the Pleadings for that reason. In turn, we also overrule all Preliminary Objections raised by Defendant and direct him to file an Answer to the Complaint within twenty days. ORDER OF COURT AND NOW, this �� day of December, 2014, upon consideration of the Motion for Judgment on the Pleadings filed by Plaintiff, Discover Bank, the Preliminary Objections filed by Defendant, Solomon Lee, styled as an "Objection to Summary Judgment", briefing by the parties, and argument en banc, the Motion for Judgment on the Pleadings is DENIED, the Preliminary Objections are OVERRULED, and the Defendant is DIRECTED to file an Answer to the Complaint within twenty (20) days of the entry of this order. 1 At argument, Defendant gave the panel a copy of a purported New Jersey Law Journal article regarding unrelated litigation against the firm representing Plaintiff. That article is not of record and has no relevance to our decision here. -4- 14-1176 CIVIL TERM Francis X. Grimes, Esquire Attorney for Plaintiff Solomon Lee, Pro se 11 E. Beale Avenue Enola, PA 17025 -5- By the Court, Al ert Masland, J.