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HomeMy WebLinkAbout14-1622 � 1 Supreme Co ?ofRennsylvania 11WRO 30272958 C A Pit SJS } 943.nt . Coau Cgmmo leas For Pmthomtmy Use 01*. C UMBER t '` County Docket No. loaa -The information collected on this form is used solely for court administration ptaposes. This form does not supplement or replace the filing and service of pleadings m• other papers as required by lax' or rules of court. Commencement of Action: S M Complaint p Writ of Summons p Petition Transfer from Another Jurisdiction Declaration of Takin E' DISCOVER BANK ' C ` Lead Plaintiffs tame: Lead Defendant's Name: T AVA I SHAFFER i . Are money damages requested? ® Yes 0 No Dollar Amount Requested: ® within arbitration limits N (check one) 0 outside arbitration limits Is this a Class Action Suit? O Yes 13 No Is this an NIDJ Appeal? 13 Yes 19 No William T. Molczan,47437 Name of Plaintiff' /Appellant's Attorney: 0 Check here if you have no attorney (are a Self- Represented (Pro Se] Litigant) Nature of the Case: Place an "X" to the left of the ONE case category that most accurately describes your PRIMARY CASE. If you are making more than one type of claim, check the one that you consider most important. TORT (do not include Mass Tort) CONTRACT (do not include Judgments) CIVIL APPEALS O Intentional D Buyer Protection Administrative Agencies O Malicious Prosecution Debt Collection: Credit Card O Board of Assessment 0 Motor Vehicle O Debt Collection: Other 0 Board of Elections p Nuisance p Dept. of Transportation 5 p Premises Liability 13 Statutory Appeal: Other 13 Product Liability (does not include p Employment Dispute Mass tort) Discrimination C 13 Slander/Libel/Defamation E Employment Dispute: Other O Zoning Board T. E Other: O Other: I 0 Other: O N MASS TORT O Asbestos $ . 0 Tobacco REAL PROPERTY MISCELLANEOUS O Toxic Tort - DES E3 Ejectment E3 Common Law /Statutory Arbitration E3 Toxic Tort — Implant El Eminent Domain/Condemnation p Declaratory Judgment 13 Toxic Waste p Ground Rent p Mandamus E3 Other: p Landlord/Tenant Dispute 13 Non-Domestic Relations 13 Mortgage Foreclosure: Residential Retraining Order 13 Mortgage Foreclosure: Commercial 0 Quo Waranto 0 Partition 13 Replevin PROFESSIONAL LIABILITY 13 Quiet Title 13 Other: 0 Dental E3 Other: O Legal 0 Medical E3 Other Professional: Updated 1/1/2011 a14 fin 20 PH 1.00 - -- CUMB —CR %LAND COUNTY PENNSYLVANIA IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff No: 1q- b VS. COMPLAINT IN CIVIL ACTION AVA I SHAFFER Defendant FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: William T. Molczan,47437 WELTMAN, WEINBERG & REIS CO., L.P.A. 436 7th Ave Ste 1400 Pittsburgh PA 15219 -1827 (412) 434 -7955 FAX: 412 - 338 -7130 30272958 C A Pit SJS oz S 30 3 2 gS IN THE_ COURT OF COMMON.PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff VS. Civil Action No AVA I SHAFFER Defendant COMPLAINT AND NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 249 -3166 COMPLAINT 1. Plaintiff, Discover Bank, is a banking institution organized under the laws of the State of Delaware and maintains a business address of 12 Reads Way, New Castle, DE 19720. 2. DB Servicing Corporation is the servicing affiliate for Discover Bank, f /k /a Greenwood Trust Company, an FDIC - insured Delaware State bank. As the servicing affiliate, DB Servicing Corporation performs a variety of services for Discover Bank including, business management services in support of Discover Bank business lines, including, among other things, credit cards, deposits, personal loans and student loans, customer service, collections, credit risk, collection of delinquent accounts and other support services. The collection of delinquent accounts includes the right to forward the account to the attorneys and /or collection agencies for collection and to file suit on Discover Bank's behalf. 3. At all times pertinent hereto, DB Servicing Corporation is the servicing affiliate for Discover Bank, in reference to Defendant's account, which is the subject of this litigation. 4. Defendant is an adult individual(s) residing at 105 ARNOLD RD ENOLA, PA 17025 5. Defendant applied for and received a credit card bearing the account number XXXXXXXXXXXX4249. 6. Defendant made use of said credit card and has a current balance due of $9286.24. A copy of Plaintiff's Statement is attached hereto, marked as Exhibit 11 7. Defendant is in default by failing to make monthly payments when due. As such, the entire balance is immediately due and payable to Plaintiff. 8. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and /or refused to pay the balance due the Plaintiff. WHEREFORE, Plaintiff prays for Judgment in its favor and against Defendant, AVA I SHAFFER, INDIVIDUALLY, in the amount of $9286.24 and costs. William T. Molczan4,47437 WELTMAN, WEINBERG REIS CO., L.P.A. 436 7th Ave Ste 1400 Pittsburgh PA 15219 -1827 (412) 434 -7955 FAX: 412 - 338 -7130 WWR# 30272958_ C A.. Pit SJS __ DISC VER Discover More Card Account number ending in 4249 Open Date: Nov 13, 2013- Close Date: Dec 12, 2013 Cordmember Since 2003. Page 1 of 4 ACCOUNT SUMMARY PAYMENT INFORMATION Previous Balance $9,079.42 New Balance $9,286.24 Payments and Credits — $0.00 Minimum Payment Due*. $1,422.00 Purchases + $0.00 Payment Due Date January 7, 2014 Balance Transfers + $0.00 • Includes post due amount of: $1235.00 Cash Advances + $0.00 Fees Charged + $35.00 Late Payment Warning: If we do not receive your minimum payment by the Interest Charged + $171.82 date listed above, you may hove to pay a late fee of up to $35.00 and your New Balance 59,286.24 purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 20.24% variable. See Interest Charge Calculation section following the Minimum Payment Warning: If you make only the minimum payment each Transactions section for detailed APR informatio period, you will pay more in interest and it will take you longer to pay off your Credit Line S9,100 balance. For example: Credit Line Available $0 1 ybmnakt3no Yh4 �Ilf5oya511 �r cTd'�iauunlf�tlt� Y, Cash Advance Credit Line 52,300slflg thc`zcarit�tad �cmktix3n b5}aacc sfiown on f(»3 ppy'i tlremt�}tsabtr,1, - si9lemer�fn� ctbaul;: of.' Cash Advance Credit Line Available $0 Only the minimum payment 49 ears $51,469 You may be able to avoid interest on Purchases. If you would like information about credit counseling services, call 1-800-347-1121. See reverse for details. REWARDS Contact Us Discover.com Cashback Bonus® Anniversary Month 1-800-347-2683 September Opening Balance 5 0.00 Please make check payable to Discover. You are overlimit. New Cashback Bonus This Period + $ 0.00 Pay the sum of the Minimum Payment Due plus the remaining Redeemed This Period — 5 0.00 overlimit amount of $186.24. Cashback Bonus Balance $ 0.00 To learn more, log in at Discover.com Make Check payable to Discover NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Please fold on the perforation below, detach and return with your payment aym enfouprsn/ �lilltle 11sp�/ �y Pine Account number ending in 4249 P1�as p tot firalcl,,.1t}� or altrple . bfstovet xatn � i 0 3af7 -�.fi8 I . Minimum Payment Due $1,422.00 New Balance $9,286.24 Payment Due Date January 7, 2014 AVA I SNAPPER f a Amount enclosed $. 105 ARNOLD RD EN 01-A PA 17025 -2102 PO BOX 71084 _ CHARLOTTE NC 28272 -1084 . 302712x581 Internet payments must be received by 5PM ET io be credited as of the some day ' I'I1I IIII IIIII IIIIII "'I I'IILI'IWor. . Address, e-mail or telephone changed? Note changes on reverse side 000001986618065818689092862400150000142200 �� ---- AVA I SHAFFER nt n o Accuumber ending in 4249 Open Date: Nov 13, 2013 - Close D Dec 12, 2013 Pa f 4 ...... . ......... — - ------- ....... . ....... . ...... . . . . .......... - ­­q . e e: e ote: .... . ........... . ............................ . .. . . ........... . .......... _ . ............... . . ........ . . . ........ . ................. .......... . . . ............ . .............. . . Page 2 o ... . ....... . .......... . . ...... . . .. . ............. Important Information You must ensure that sufficient funds are available in your bank account, and See your Cardmember Agreement. Your Card member Ag reement all transactions must comply with U.S. low. contains all the terms of your Account. I I You con set automatic payments for: (i) statement New Balance, (ii) statement Lost or stolen cards. Report immediatelyl Call 1-800-347-2683. Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed What To Do If You . Think You Find A Mistake On Your Statement dollar amount, or (iv) Other dollar amount. If your scheduled "Other dollar If you think there is on error on your statement, write to us at: Discover ' PO amount" payment is not enough to cover the Minimum Payment Due as listed Box 30421, Salt Lake City, UT 84130-0421. You must write to us within 60 on your monthly billing statement, your scheduled payment for that month 'days after the error appeared on your statement. You may call u ,� bu t will be increased to cover the Minimum Payment Due. If the scheduled y o u do we are not required to investigate any potential errors, and y may ,e payment is greater than the Minimum Payment Due, any excess will be to pay the amount in question. The Billing Rights Notice further explains your applied in accordance with your Cordmember Agreement. If your scheduled rig Please see your Cordmember Agreement or visit payment is greater than the New Balance on your billing statement, that https://discover.com/billing for a copy of this notice. payment will be processed only for the amount of your New Balance. Your automatic payment a mount may be less than the amount indicated on the Payments. You may pay all or part of your Account balance at on4t, ime. billing statement based on credits or payments after the Close Dale. However, you must pay at least the Minimum Payment Due by the roymeni Due Date. Send only our payment and the bottom portion of this statement If you enroll by phone in our automatic payment service, please fill-in the in the envelope provided after affixing postage. Payments sent without proper following blanks below and retain the authorization for your records. postage will be returned to the sender. Do not send cash. If you pay by check, you authorize us to use information on your check to make an Amount: El Full Pa y_0 Min Poy_[J Min Pay+ electronic fund transfer from your account at the financial institution indicated El Other Amount$ Bank Routing #: 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 Bank Account # 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 Monthly on the D Payment Due Date Li Close Date as the some day we receive your payment, and you will not receive your 0 Day of month (insert date) check back from your financial institution. The processing of your payment may be delayed if you send cash, corres- Credit Reporting. We may report information about your Account to credit pondence or other items with your payments, if you send the payment to any bureaus. Late payments, missed payments, or other defaults on your Account other address, or if you use an envelope other than the one provided. may be reflected in your credit report. We normally report the status and Payments received in proper form at our processing facility by 5PM local time payment history of your Account to credit reporting agencies each month. If on any day will be credited to your Account as of that day. Payments received you believe that our report is inaccurate or incomplete, please write us at this at our processing facility after 5PM local time will be credited to your Account address: Discover, PO Box 15316, Wilmington, DE 19850-5316. Please as of the next day. If you hove misplaced your envelope, send your payment include your name, address, home telephone number and Account number. to Discover, PO Box 6103, Carol Stream, IL 60197-6103. Please allow 7.10 days for delivery. If your payment is returned unpaid, we reserve the right to Paying Interest. Your due date is at least 25 days after the close of each resubmit it as an electronic debit. Payments made online or by phone will be billing period (of least 23 days for billing periods that begin in February). We credited as of the day of receipt if made by 5 PM Eastern time. 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 You can pay your monthly Minimum Payment Due, or a greater amount that Advances and Balance Transfers as of the later of the Transaction Date or the does not exceed your current Account balance, over the telephone or you can first day of the billing period in which the transaction posted to your Account. setup automatic payments through a customer service representative by coiling 1-800-347.2683, Automatic payments for the billing period shown How We Calculate Interest Charges. We Use the Daily Balance Method on your statement will be deducted on the Payment Due Date shown on that (including current transactions) to calculate the Balance Subject to Interest statement, or the next automatic payment date referred to on your statement, Rate. For more information, please coil us at 1-800-347-2683. unless you request a recurring payment date (e.� , ., the 1 5"day of the month) that occurs before your Payment Due Date or C lose Dote. f your scheduled Balance Subject to Interest Rate. Your statement shows a Balance Subject payment dote falls on a weekend or bank holiday, your payment will be to Interest Rafe. It shows this for each transaction category. The Balance processed the business day prior to the weekend or bank holiday. In order to Subject to Interest Rate is the average of the doily balances during the billing schedule monthly payments by telephone, you will need this statement and period. your bank account information. You will be asked to provide the lost four (4) Credit Balances. If your Account has a credit balance, the amount is shown digits of the social security number of the primary borrower. By providing on the front of your billing tatement. A credit balance is money that is owed those numbers as your electronic signoivre, you will be agreeing to this to you. You may make charges against this amount if your Account is open. authorization to allow us and your bank to deduct each payment you We will send you a refund of any remaining balance of $ 1.00 or more after authorize, in the amount selected by you, from your bank account. You also 6 months, or as otherwise required by applicable law, or upon request made authorize us to initiate debit or credit entries to your bank account, as to the address in the Contact Us section on page 3 of your billing statement. 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 Balance Transfers. Balance Transfers are offer Td at our discretion and Discover, PO Box 3042 Salt Lake City, LIT 84130-042 1; however, we m" accrue interest at the standard purchase rate un ess we fell you otherwise. 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 Discover may monitor and/or record telephone calls between you and monthly billing statement when your payment will be made and how much it Discover representatives for quality assurance purposes. will be. The Discover@ card is issued by Discover Bank, Member FDIC. TL23N CHANGE OF ADDRESS If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Stree t Address Home Phone Work Phone . . ........... . . ....... . . ............ . ........... . .. . ....... . . ......... . .. . ....... . . . .......... . . . . ........ . . . .......... . ......... . . . .... .......... . .. . ............ . ............... . . ......... . ....... . ....... . . ...... . ............... . . . ..... . . . ............ . ............ City Email J 38'aHib-58 To make changes to your address, email or telephone number, visit Discover.com Continued on next page Discover More Card DISC.�. VEK Account number ending in 4249 Open Date: Nov 13, 2013 - Close Date: Dec 12, 2013 Page 3 of 4 CONTACT US ........ . .. . ............ . . . . ........ . . . .......... . . . ....... . . ........... . ............... . ............ . ..... . . . ......................... ............. . . ....... . . ......... . . . .. . ....... . .................. . ...... . ... ...... . .......... 0 Web A9k Mobile Phone Inquiry Mail Payments Access your Manage your 1 - 800 - DISCOVER Discover Discover account securely account anytime, (1-800-347-2683► PO Box 30943 PO Box 6103 at Discover.com anywhere at TDD 1-800-347-7449 Salt Lake City Carol Stream m.Discover.com LIT 84130 IL 60197-6103 Transactions Trans. Date Post Date Fees Dec 7 Dec 7 LATE FEE 5 35,00 TOTAL FEES FOR THIS PERIOD 35.00 Interest Charged INTEREST CHARGE ON PURCHASES 5 2,60 INTEREST CHARGE ON CASH ADVANCES 169.22 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 171.82 2013 Totals Year-to-Date TOTAL FEES CHARGED IN 2013 235.00 TOTAL INTEREST CHARGED IN 2013 S 1,908.85 ... . . ........... . ........... . . ...... . ... . ............ . ...... . . ... . . . ........... . .............. . ..... . ........ . .......... . . . ........ . . .......... . . . .. . ........................... --- ...... . . ..... . ...................... . ............... . . . .... . . . ........... . ............. ........... . .......... . . ........ . ... . ........ . .. . . .. . . . .......... 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 15.24% V $207.47 $2.60 Cash Advances 22.99% $8,954.72 $169.22 V=Variable Rote Information For You For more information about how interest charges are calculated see your Cardmember Agreement orgoto www.discover.com/interestcharges 302729581 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION AVA 15HAFFER Account number ending in 4249 Open Date _Nov 13, 2013 - Close Date_ Dec 12, 2013 Page 4 of 4 30272958 _. VERIFICATION (Name) (Title r of DB Servicing Corporation, servicing affiliate of Discover Bank does hereby verify, under penalty of perjury and subject to the penalties of 18 Pa. C.S. § 4904 relating to unsworn falsifications to authorities states, that he /she is a duly authorized representative of plaintiff herein. Additionally, he /she verifies that Discover Bank, f/k/a Greenwood Trust Company, which is an FDIC - insured Delaware state bank, lacks sufficient knowledge or information to verify this complaint. He /she verifies that he /she is authorized to make this verification. As an employee of DB Servicing Corporation, he /she has sufficient knowledge and information to make this verification, and consequently verifies that the facts set forth in the foregoing complaint are true and correct to the best of his/her knowledge and information and that he /she is personally familiar with the account and the relationship between Discover Bank and DB Servicing Corporation. It is fiirther stated that Discover Bank and DB Servicing Corporation extend credit through issuance of the Discover Card. As the servicing affiliate, DB Servicing Corporation performs a variety of services for Discover Bank, including business management services in support of Discover Bank business lines, including, among other things, credit cards, deposits, personal loans and student loans, customer service, collections, credit risk, collection of delinquent accounts and other support services. The collection of delinquent accounts includes the right to forward the same to the attorneys and/or collection agencies for collection and to file suit on Discover Bank's behalf. Both DB Servicing Corporation and Discover Bank are wholly owned subsidiaries of Discover Financial Services. Date _ (S gnature) AVA I SHAFFER DB Servicing Corporation servicing affiliate XXXXXXXXXXXX4249 For Discover Bank WWR# 30272958 C A Pit SJS Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor. SHERIFF'S OFFICE OF CUMBERLAND COUNTY 2014 THE PROTE-iONOTA::: APR -2 PM 4: i t4 CUMBERLAND I1[i COOU N i Y PENP4SYLVANIA Ciuribert Discover Bank vs. Ava I Shaffer Case Number 2014 -1622 SHERIFF'S RETURN OF SERVICE 03/24/2014 04:31 PM - Deputy Dawn Kell, being duly sworn according to law, served the requested Complaint & Notice by handing a true copy to a person representing themselves to be Stephen Shaffer, Husband, who accepted as "Adult Person in Charge" for Ava I Shaffer at 105 Arnold Road, East Pennsboro, Enola, PA 17025. DAWN KELL, DEPUTY SHERIFF COST: $44.95 SO ANSWERS, March 25, 2014 RONZ ANDERSON, SHERIFF (c)CountySuffe Sheriff, Te!eeseft. inc. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff No: 14-1622 Civil Tenn VS. AVA I. SHAFFER Defendant Defendant's answer to Plaintiffs original complaint: 1. Admit 2. Admit 3. Admit 4. Admit 5. Admit 6. Deny 7. Deny 8. Deny ■■■■,-," Wherefore defendant prays the Honorable Court dismiss this case and other such relief deemed just and proper. Ava I. Shaffer Defendant Pro Se 105 Arnold Rd. Enola PA 17025 (412)709-5220 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, Plaintiff, Case No.: 14-1622 CIVIL TERM vs. MOTION FOR SUMMARY JUDGMENT AVA I SHAFFER, FILED ON BEHALF OF: Defendant. Plaintiff COUNSEL OF RECORD OF THIS PARTY: rn C William T. Molczan, Esquire : PA ID# 47437 --1 Weltman,Weinberg & Reis CO L.P s J -_rr 436 Seventh Avenue, Suite 2500' a Pittsburgh, PA 15219 (41.2)434-7955 WWR# 30272958 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, Plaintiff, Case No.: 14-1622 CIVIL TERM vs. AVA I SHAFFER, Defendant. MOTION FOR SUMMARY JUDGMENT AND NOW COMES, Plaintiff, by and through its counsel, Weltman, Weinberg & Reis, Co., L.P.A., and hereby files this Motion for Summary Judgment against the Defendant. In support thereof, Plaintiff avers as follows: 1. Plaintiff filed a Complaint against Defendant seeking judgment in the amount of $9,286.24, and costs. A true and correct copy of the Complaint is attached hereto as Exhibit "A" and made a part hereof. 2. Attached to the Complaint was Verification from an authorized representative of Plaintiff verifying the accuracy of the amount sought. See Exhibit "A". 3. Defendant filed an Answer to Plaintiff's Complaint. A true and correct copy of the Answer is attached hereto as Exhibit "B" and made a part hereof. 4. On or around May 13, 2014, Plaintiff served upon Defendant a set of requests for admissions and requests for production of documents. A true and correct copy of the same is attached hereto as Exhibit "C" and made a part hereof. 5. No response to the discovery demands has been received from the Defendant. 6. The requests for admissions are now deemed admitted under Pennsylvania Rule of Civil Procedure 4014(b). Thus Defendant has admitted that she applied for, received and made use of the credit card; that the statements attached to Plaintiffs Discovery Request correctly identify the payments WWR# 30272958 and/or credits, purchases and/or balance transfers and/or cash advances, and interest rates; that she has not submitted any written disputes as to billing inaccuracies; that the account accrued interest at a variable rate; that she has made no payment on the credit card since May 07, 2013; and that $9,286.24 is a correct and accurate balance on the credit card account. 7. By way of her Answer, the documents attached to this Motion, and the Requests for Admissions, deemed admitted under Pa.R.C.P. 4014(b), the Defendant has admitted all facts material to this matter and verified the amount owed. 8. There are no meritorious defenses against this action and Plaintiff is entitled to summary judgment as a matter of Law against defendant. WHEREFORE, Plaintiff respectfully requests that this Honorable Court grant summary judgment in favor of Plaintiff and against Defendant for $9,286.24, and costs. Respectfully Submitted: By: William T. Molczan, Esquire PA ID# 47437 Weltman,Weinberg & Reis CO L.P.A. 436 Seventh Avenue, Suite 2500 Pittsburgh, PA 15219 (412) 434-7955 WWR# 30272958 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff No: vs. COMPLAINT IN CIVIL ACTION AVA I SHAFFER Defendant FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: William T. Molczan,47437 WELTMAN, WEINBERG & REIS CO., L.P.A. 436 7th Ave Ste 1400 Pittsburgh PA 15219-1827 (412) 434-7955 FAX: 412-338-7130 30272958 C A Pit SJS EXHIBIT IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION Civil Action No COMPLAINT AND NOTICE TO DEFEND DISCOVER BANK Plaintiff vs. AVA I SHAFFER Defendant You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 - COMPLAINT 1. Plaintiff, Discover Bank, is a banking institution organized under the laws of the State of Delaware and maintains a business address of 12 Reads Way, New Castle, DE 19720. 2. DB Servicing Corporation is the servicing affiliate for Discover Bank, f/k/a Greenwood. Trust Company, an FDIC -insured Delaware State bank. As the servicing affiliate, DB Servicing Corporation performs a variety of services for Discover Bank including, business management services in support of Discover Bank business lines, including, among other things, credit cards, deposits, personal loans and student loans, customer service, collections, credit risk, collection of delinquent accounts and other support services. The collection of delinquent accounts includes the right to forward the account to the attorneys and/or collection agencies for collection and to file suit on Discover Bank's behalf. 3. At all times pertinent hereto, DB Servicing Corporation is the servicing affiliate for Discover Bank, in reference to Defendant's account, which is the subject of this litigation. 4. Defendant is an adultindividual(s) residing at 105 ARNOLD RD ENOLA,, PA 17025 - 5. Defendant applied for and received a credit card bearing the account number XXXXXXXXXXXX4249. 6. Defendant made use of said credit card and has a current balance due of $9286.24. A copy of Plaintiff's Statement is attached hereto, marked as Exhibit "1". 7. Defendant is in default by failing to make monthly payments when due. As such, the entire balance is immediately due and payable to Plaintiff. 8. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and/or refused to pay the balance due the Plaintiff. WHEREFORE, Plaintiff prays for Judgment in its favor and against Defendant, AVA I SHAFFER, INDIVIDUALLY, in the amount of $9286.24 and costs. William T. Molczan,447437 WELTMAN, WEINBERG REIS CO., L.P.A. 436 7th Ave Ste 1400 Pittsburgh PA 15219-1827 (412) 434-7955 FAX: 412-338-7130 WWR# 30272958 C A Pit SJS DISC VER ACCOUNT SUMMARY Previous Balance Poyrrtents and Credits Purchases Bolonce Transfers Cosh Advances Fees Charged Interest Charged New Balance $9,079.42 $0.00 $0.00 $0.00 $0.00 $35.00 5171.82 S9,286.24 See Interest Charge Calculation section following the Transactions section for detailed APR information Credit Line $9,100 Credit Line Available 50 Cosh Advance Credit Line $2,300 Cosh Advance Credit Line Avoiloble 50 You moy be able to avoid interest on Purchases. See reverse for details. Contact Us Discover.com 1-800-347-2683 Discover More Card . Account number ending in 4249 Open Date: Nov 13, 2013- Close Dote: Dec 12, 2013 Cardmember Since 2003. - Page 1 of 4 PAYMENT INFORMATION New Balance Minimum Payment Due' Payment Due Dote ` Includes post due amount of: $9,286.24 $1,422.00 January 7, 2014 S1235.00 Late Payment Warning: If we do not receive your minimum payment by the dote listed above, you moy have to pay a late fee of up to $35.00 and your purchose and balance transfer APRs for new transactions moy be increased up to the Penalty APR of 20.24% variable. Minimum Payment Warning: If you make only the minimum poyment eoch period, you will pcy more in interest and it will take you longer to pay off your balance. For example: riP*4 Tosgr l alvd, tntget is4tekg ' rol46241100 , sa vyt.1pv C. iWitco +tiyary ,04 Alt iii '.Gifi2S1ia �. g(1�' l'*•✓'�•r'!�IL_. __._ . ^._.-e . .. ._- > �as'}tpalyN�.gy�ib,Y�tilti YI1rfeAtJk Oti.u1. .OL Only the minimum payment 1 45_/years 1 $51,469 J 1 f you would like information about credit counseling services, call 1-800-347-1121. REWARDS Please make check payable to Discover. You ore overlimit. Pay the sum of the Minimum Payment Due plus the remaining overlimit amount of $186.24. Make Check payable io Discover . . Please fold on the perforation below, detach and return with your payment Cashback Bonus© Opening Bolonce New Cashback Bonus This Period Redeemed This Period Cashback Bonus Balance To learn more, log in of Discover.com Anniversary Month September 5 0.00 + 5 0.00 - 5 0.00 $ 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Payt lent Colon ± Pty Online f9�ps 134 t fold, clip wr ahrple;.Fitov�r±ecm.: 11111111111.11111l1.11P1111111thillw11.111H11111'llllll11111111. Y. MOO AVA I SHAFFER • 105 ARNOLD RD . ENOLA.PA 17025-2102 • 302712958i Internet payments masrbe received by 5PM ETto be credited as of the some day Address; e-mail or telephone changed? Note changes on reverse side • • Account number ending in 4249 Minimum Payment Due $1,422.00 New Balance 59,286.24 Payment Due Date Amount endosed January 7, 2014 !$ •I PO BOX 71084 . CHARLOTTE NC 28272-1084 I' 111111111111111111:'11111111111111.11111111'111.1.11EXHI8I 000001986618065818689092862400150000142200 AVA I SHAFFER Account number ending in 4249 Important Information See your CardmemberAgreement. Your Cardmember Ag reement contains all the terms of your Account. Lost or stolen cards. Report immediately! Coll 1400-347-2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at: Discover; PO' Box 30421, Solt Lake City, UT 84130-0421. You must write to us within 60 'doys after the error appeared on your statement. You may call us, but if you do we are not required lo investigate any potential errors, and you may have to pay the amount in question. The Billing Rig hts 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 port of your Account balance at any time. However, you muss pay at least the Minimum Payment Due by the Payment Due Date. Send only your payment and the boHom portion of this statement in the envelope provided otter affixing postage. Payments sent without proper postage will be returned to the sender. Do not send cash. If you pay by check, you authorize us to vse informotion on your check to make on electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transection. If a payment is processed os on electronic fund transfer, the transfer will be for the amount of the check. When we use informotion from your check to make an eledronic 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 finonaol institution. The processing of your payment may be delayed if you send cosh, corres- pondence or other items with your payments, if you send the payment io ony other address, or if you use on envelope other than the one provided. Payments received in proper form of our processing facility by 5PM local time on any day will be credited to your Account as of that day. Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day. If you hove misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197.6103. Please allow 7.10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. Poyments mode online or by phone will be credited as of the day of receipt if made by 5 PM Easiem time. You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account bolonce, 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 tie Payment Due Dote shown on that statement, or the next automatic payment date referred to on your statement, unless you request o recurring payment dote (e.g., the 15h 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 os your electronic signature, you will be ogreeing to this authorization to allow us and your bank io 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 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: Nov 13, 2013 - Close Dote: Dec 12, 2013 Pale 2 of 4 You must ensure that sufficient funds ore available in your bank account, and all transactions -must comply with U.S. low. You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) Other dollar amount. If your scheduled 'Other dollar amount' payment is not enough to cover the Minimum Payment Due 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 opplied in accordance with your Cardmember Agreement. If your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the billing statement based on credits or payments after the Close Date. If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records. Amount: ❑Full Pay C)Min Pay 0Min Pay+ S 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 this oddress: Discover, PO Box 15316, Wilmington, DE 19850-5316.Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is of least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will not charge you ony interest on Purchases if you pay your entire bolonce by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Dale or the first day of the billing period in which the transaction posted to your Account. How We Calculate Interest Charges. We Use the Doily Balance Method (including current transactions) to colculate the Balance Subject to Interest Rate. For more information, please cull us at 1-800-347-2683. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rote. It shows the for eoch transaction category. The Boland Subject to Interest Rate is the average of the daily balances during the bitting 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 51.00 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. Balance Transfers. Balance Transfers are offered at our discretion and accrue interest at the standard purchose rote unless we tell you otherwise. 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 Add rens City 3 eti§58 ij Home Phone Work Phone Email To make changes to your address, email or telephone number, visit Discover.com Continued on next poge DISC VER CONTACT US Web Mobile Q Phone Inquiry Mail Payments Access your Manage your 1 -800 -DISCOVER Discover Discover occount securely account onytime, (1-800-347-2683) PO Box 30943 PO Box 6103 at Discover.com anywhere at TDD 1-800-347-7449 Solt Loke City Corol Stream m.Discover.com UT 84130 IL 60197-6103 Discover More Card Account number ending in 4249 Open Date: Nov 13, 2013 - Close Dote: Dec 12, 2013 Page 3of4.. Transactions Trans. Date Post Date Fees Dec 7 Dec 7 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 5 2.60 169.22 0,00 171.82 2013 Totals Year -to -Date TOTAL FEES CHARGED IN 2013 TOTAL INTEREST CHARGED IN 2013 5 235.00 $ 1,908.85 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 15.24% V $207.47 $2.60 Cash Advances 22.99% $8,954.72 $169.22 V=Vorioble Rate Information For You For more information about how interest chorges are colcvlaied see your Cardmember Agreement or go to www.discover.comfinterestcharges 30272958 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION AVA 1 SHAFF£R Account u ending in 4249 ' Open Dote: Nov 13, 2013 • Close Dote: Dec 12, 2013 foga 4 of 4 30272958, VERIFICATION f crkz1 er , L S If7p4 Spo1 aith4. (Name) (Titl of DB Servicing Corporation, servicing affiliate of Discover Bank does hereby verify, under penalty of perjury and subject to the penalties of 18 Pa. C.S. § 4904 relating to unsworn falsifications to authorities states, that he/she is a duly authorized representative of plaintiff herein. Additionally, he/she verifies that Discover Bank, f/k/a Greenwood Trust Company, which is an FDIC -insured Delaware state bank, lacks sufficient knowledge or information to verify this complaint. He/she verifies that he/she is authorized to make this verification. As an employee of DB Servicing Corporation, he/she has sufficient knowledge and information to make this verification, and consequently verifies that the facts set forth in the foregoing complaint are true and correct to the best of his/her knowledge and information and that he/she is personally familiar with the account and the relationship between Discover Bank and DB Servicing Corporation. It is further stated that Discover Bank and DB Servicing Corporation extend credit through issuance of the Discover Card. As the servicing affiliate, DB Servicing Corporation performs a variety of services for Discover Bank, including business management services in support of Discover Bank business lines, including, among other things, credit cards, deposits, personal loans and student loans, customer service, collections, credit risk, collection of delinquent accounts and other support services. The collection of delinquent accounts includes the right to forward the same to the attorneys and/or collection agencies for collection and to file suit on Discover Bank's behalf. Both DB Servicing Corporation and Discover Bank are wholly owned subsidiaries of Discover Financial Services. Date AVA I SHAFFER XXXXXXXXXXX.X4249 WWR# 30272958 C A Pit SJS DB Servicing Corporation servicing affiliate For Discover Bank IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff No: 14-1622 Civil Term vs. AVA I. SHAFFER Defendant Defendant's answer to Plaintiffs original complaint: 1. Admit 2. Admit 3. Admit 4. Admit 5. Admit 6. Deny 7. Deny 8. Deny Wherefore defendant prays the Honorable Court dismiss this case and other such relief deemed just and proper. Ava I. Shaffer Defendant Pro Se 105 Arnold Rd. Enola PA 17025 (412)709-5220 EXHIBIT R 3© 27Q.$ 7 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION DISCOVER BANK Plaintiff, v. AVA I SHAFFER, Defendant. NO.: 14-1622 CIVIL TERM PLAINTIFF'S FIRST REQUEST FOR ADMISSIONS AND REQUEST FOR PRODUCTION OF DOCUMENTS Plaintiff demands that the defendants answer and respond to the following Request for Production of Documents under oath pursuant to the Pennsylvania Rules of Civil Procedure within 30 days from the date of service hereof. Plaintiff also demands that defendants answer and respond to the following Request for Admissions pursuant to Pa. Rules of Civil Procedure 4014. You are requested to admit the truth of each of the statements of fact hereinafter stated. You are instructed that: 1. These requests are made under Pennsylvania Rules of Civil Procedure 4001, et seq., and each of these matters of which an admission is requested shall be deemed admitted unless your sworn statement in compliance with such Rules is timely made. 2. If you do not admit each of such statements, you must specifically deny each one not admitted or set forth in detail the reasons why you cannot truthfully either admit or deny each such matter. 3. Your answer, signed and properly verified, must be delivered to the undersigned attorney of record for the Plaintiff within thirty (30) clays after delivery hereof. 4. If you fail or refuse to admit the truth of any such statement of fact and the Plaintiff thereafter proves the truth thereof, you may be required to pay the reasonable expenses incurred in making such proof, including attorneys' fees, witness expenses, etc. 5. If, in response to any of the following statements of fact, it is your position that the statement is true in part or as to some items, but not true in full or as to all items, then answer separately as to each part or item. 6. If you have been sued in more than one capacity or if your answers would be different if answered in any different capacity, such as partner, agent, corporate officer or director or the like, then you are requested to answer separately in each such capacity. Failure to do so constitutes an admission in any such capacity. EXHIBIT G_ 7. In these Requests for Admissions: A. The word "person(s)" means all entities, and, without limiting the generality of the foregoing, includes natural persons, joint owners, associations, companies, partnerships, joint ventures, trusts, and estates; B. The word "document(s)" means all written, printed, recorded, graphic, or photographic matter, or, sound reproductions, however produced or reproduced, pertaining to any manner to the subject matter indicated; C. The words "identity", "identify", "identification", when used with respect to a person(s) means to state the full name and present or last known address and business address of such person(s) and, if an actual person, his present or last known job title, and the name and address of his present or last known employers; D. The words "identity", "identify" "identification", when used with respect to a date, subject matter, name(s) or person(s) that wrote, signed initialed, dictated or otherwise participated in the creation of the same, the name(s) of the addressee or addressees if any and the name(s) and address(es) of each person who have possession, custody, and control of said document(s). If any such document was, but is no longer in your possession, custody, or control, or in existence, state the date and manner of its disposition; and E. The word "identify", when used with respect to an act (including an alleged offense), occurrence, statement, or conduct (hereinafter collectively called "act"), means to (1) describe the substance of the event or events constituting such an act, and to state the date when such act occurred; (2) identify each and every person(s) participating in such an act; (3) identify all other person(s) (if any) present when such act occurred; (4) state whether any minutes, notes, memoranda, or other record of such act was made; (5) state whether such record now exists; and (6) identify the person(s1 presently having possession, custody or control of such record. 8. Unless otherwise indicated, all Requests herein relate to those certain events, persons, and period of time more fully described in the pleading in this case. 9. These requests are of a continuous nature. These Requests for Production of Documents shall be deemed continuing so as to require supplemental answers and documents if any information of documents are acquired subsequent to the filing of responses hereto, which information or documents would have been included in the answers and documents produced had it been known or available at the time the answers and the documents provided pursuant hereto were produced. Defendants shall supply such information and documents by supplemental answers and production of documents as soon as such information becomes known or available and in all events, prior to trial of this action. If objection is made to any requests for production of documents, it is demanded that the requests for which there is no objection be answered and furnished within the aforesaid period. All documents identified in response hereto shall be organized and labeled to correspond with the request to which it pertains. For all documents produced, list the individual and his or her job title and department from whose files it was produced and the current custodian of said document. If a document called for is believed to exist or is known to exist, but is in the possession, custody or control of another person or party, the existence of the document, the identity of the possessor, custodian and one in control of such documents shall be provided along with any applicable common description or citation utilized by the publisher, possessor, custodian or disseminator of such document. If any document called for by this request is withheld on the basis of any claim of privilege or any similar claim, identify that document as follows: author; addressee; indicated or blind copies, date, subject matter; number of pages; attachments or appendices; all persons to whom distributed, shown or explained; present custodian; and nature of the privilege or similar claim asserted. REQUEST FOR PRODUCTION OF DOCUMENTS 1: Produce any and all documents evidencing proof of all payments on the subject credit card referenced in the Complaint, including, but not limited to, cancelled checks, receipts, coupons, statements, accountings, memoranda, invoices, financial statements, accounting entries, diaries, charts, lists, phone records, data compilations etc. REQUEST FOR PRODUCTION OF DOCUMENTS 2: Produce any and all documents you intend to introduce and/or provide testimony on as evidence at the time of trial. REQUEST FOR PRODUCTION OF DOCUMENTS 3: Produce all documentary evidence or information substantiating the defenses asserted in your Answer. REQUEST FOR ADMISSION NO. 1: Defendant applied for the credit card referenced in the Plaintiff's Complaint. Admitted Denied If the answer to Request for Admissions No. 1 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO, 2: Defendant received and used the credit card referenced in the underlying action. Admitted Denied If the answer to Request for Admissions No. 2 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO, 3 The purchases and/or balance transfers and/or cash advances listed on the monthly statements, dated April 12, 2007 through December 12, 2013, attached hereto as Exhibit "1", are correct!), identified for the underlying credit account. Admitted Denied If the answer to Request for Admissions No. 3 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO. 4; The payments and/or credits listed within the monthly statements attached hereto as Exhibit "1" are correctly identified for the underlying credit account. Admitted Denied If the answer to Request for Admissions No. 4 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO, 5: Defendant has made no payment on the credit card since May 7, 2013. Admitted Denied If the answer to Request for Admissions No, 5 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO. 6: The credit card account which is the subject of the underlying action accrued interest at a variable rate. Admitted Denied If the answer to Request for Admissions No, 6 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO. 7: The interest rates listed within the monthly statements attached hereto as Exhibit "1" correctly identify the interest rates for the underlying credit account, Admitted Denied If the answer to Request for Admissions No. 7 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO. 8: Defendant has not submitted any written dispute as to billing inaccuracy concerning the credit card in question. Admitted Denied If the answer to Request for Admissions No, 8 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO, 9: $9,286.24 is a correct and accurate current balance of the credit card account in question. Admitted Denied If the answer to Request for Admissions No. 9 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. 114./ William T. Mol zan, Pa. ID, #47437 Weltman, Weinberg & Reis Co., L.P.A. 1400 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR:30272958 DEFENDANT'S VERIFICATION , (please print) under penalty of perjury and subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities verify that the foregoing Responses are true and correct to the best of my knowledge, information and belief. Date Signature CERTIFICATE OF SERVICE A true and correct copy of Plaintiffs First Request for Production of Documents and Request for Admissions has been served by U.S. Mail, on the 2014, upon the following; Ms. Ava I Shaffer 105 Arnold Road Enola, PA 17025 By: in r• day of DISC VER New Balance $7,092.64 AVA I SHAFFER 105 ARNOLD RD ENOLA PA 17025-2102 Minimum Payment Due Account Number ending in 4249 $140,00 Enter Amount Enclosed Below Payment Due Date May 11, 2007 Please make check payable to Discover Platinum Card or pay anima i Discavercard corn PO BOX 71084 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change Pnnt change in space above, or go to Discover corn Print your e-mail address to receive important Account information and special offers 000001986618065818689070926400150000014000 Discover Platinum Card Account Summary Account number ending in 4249 Payment Due Dale May 11, 2007 Minimum Payment Due $140 00 Credit Lund $9,100 00 Credit Available $2,007 00 Cash Credit Limit $2,300 00 Cash Credit Available $23 00 Closing Dote: April 12, 2007 Previous Balance Payments And Credits Purchases Cash Advances Balance Transfers Finance Charges -F New Balance You may be able to avoid Periodic Finance Charges, see the reverse side for details page 1 of 1 $6,482 93 15000 + 645 24 + 0 00 + 0 00 114 47 $7,092 64 Cashback Bonus" Cashback Bonus Anniversary Month September CONGRATULATIONSI Your Cashback Bonus)R) is waiting for you Visit Drscovercard com or call 1.800 -DISCOVER (1-800.347.2683) to get your share of America's # I Cash Rewards Program How Can We Help You? It's your choice - 3 ways to help Please have your Discover Card available For TDD (assistance for hearing impaired) see reverse side Opening Cashback Bonus Balance New Cashed Bonus This Period Cashback Bonus Balance $ 31 83 • 1.61 $ 33,44 1 Visit Discover,com to pay your bill For no cost, view your latest Account information, earn and redeem rewards and more 2 Call 1.800 -DISCOVER (347.2683) for fast, easy self-service options or 10 speak with a Customer Service Account Manager 3 Write us of Discover Card, PO Box 30943, Salt lake City, UT 84130 Transactions Payments and Credits Travel /Enlerta Inman! Services $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Post Date Data Apr 10 Apr 10 PAYMENT - THANK YOU Mar 26 Mar 26 DOVER INTL SPEEDWAY IN 3028573189 DE Apr 6 Apr 6 IDENTITY THEFT PROTECT 877-623-8011 UT FORMERLY PROFILEPROTECT $ •15000 63'2 25 12 99 Finance Charge Summary Nominal Average Doily ANNUAL ANNUAL Periodic Daily Periodic PERCENTAGE PERCENTAGE FINANCE Balances Rates RATES RATES CHARGES current bilking period 31 days Pu c a $3948 12 0 04655% 16 99% F 16 99% $56 97 C� 2958 $2944 54 0 06299% 22 99% F 22 99% $57 50 The rates that apply to your Account are either Fixed (F) or they may vary IV) as rioted above Transaction FINANCE CHARGES $0 EXHIBIT \, Important Information 1f there limns ban one pogo lobes big statement sae the tact. of etch page for edddmnal !mpoMnt inforow01n See your Genial mho/ Agreement You Candmsmber agreement melons nil the terms of your Amami boat or 'Mien curds Report amtedaluht C01 143110.341.26113 Baling Rights Summary In Case of Errors aamnions Mountie 6f1IIyen l your helle%yang adyoumod more inlymaticnohm! abarnstorm 0nAnoka bilious ona separare sheer of !aper at Discover PO Bee 30121 Sal lata City WJ164130.0421 as eoon.ts priSohte We must hear from you no later than 00 days atter we sent you the kit 641 otadl Oro arra a lagoon appealed You cam telephone us bur,krng sow! not pressree year nghfc In you Imot mire tr be folkwag mtonnsoon • Your nano and Amon! 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Nev Balance 87,117,83 AVA 1 SHAFFER 105 ARNOLD RD ENOLA PA 17025-2102 Minimum Poyment Due S141.00 Payment Due Dale June 11, 2007 Address, e-mail or telephone change Print change in space above, or go to Discover corn Print your e-mail address to receive important Account information and special offers Account Number ending in 4249 Enter Amount Enclosed Below Please make check payable to Discover Card or pay online @ Drscavercard coni PO BOX 71084 CHARLOTTE NC 28272-1084 000001986618065818689071178300150000014100 Discover More Account number ending in Payment Due Dale Minimum Payment Due Credit Limit Credit Available Cash Credit Limit Cash Credit Available Card Account Summary Closing Date: May 12, 2007 Previous Balanee Payments And Credits Purchases Cash Advances Balance Transfers Finance Charges New Balance 4249 June 11, 2007 8141 00 89,100 00 $1,982 00 $2,300 00 $23 00 page 1 of 2 $7,092 64 15000 + 6049 + 0 00 + 0 00 + 11470 $7,117 83 You may be able to avoid Periodic Finance Charges, see the reverse side for details Cashback Bonus' Cashbook Bonuse Anniversary Month September CONGRATULATIONS Your Cashback Bonus(R1 is waiting for you Visit Discovercerd com or call 1 -800 -DISCOVER (1-900-347-26831 to get your share of America's #1 Cash Rewards Program How Can We Help You? It's your choice - 3 ways to help Please have your Discover Cord available For TDD (assistance for heanng impaired) see reverse side Opening Coshback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance $ 33 44 + 0.15 $ 33.59 Visit Discover,com to pay your bill for ne cast, view your latest Account mformotion, earn and redeem rewards and more 2 Call 1.800•DISCOVER 1347.2683) for fast, easy self-service options or to speak with a Customer Service Account Manager 3 Write us at Discover Card, PO Box 30943, Salt lake City, UT 84130 Transactions Payments and Credits Merchandise Services $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Post Data Dato May 10 Moy 1 May 8 May 10 PAYMENT • THANK YOU $ -150 00 May 1 M I HUMMEL CLUB PENNINGTON NJ 4750 May 8 IDENTITY THEFT PROTECT 877-623-0011 UT 12 99 Information For You Balance Transfer offer For current billing period Daily Periodic Rate 0 05477%, corresponding ANNUAL PERCENTAGE RATE 19 00% Rote is subject to the terms of the offer including expinatron Earn 5% Cashback Bonus and more at these new online retailers' ShopDuscover has lust added more top online retailers such as Kohls corn, AnnTayloiloft con, PelSmarl corn and American Eagle (AE corn), to an already great selection so you tan build rewards faster Visit ShopDiscover at Discovercard cam/shop and start shopping today' 30272958 Your Discover(R) Card has you covered with Complete Fraud Protection For your peace of mind Our advanced fraud wornm8s neon you'll know right away should any suspicious activity occur And if your card is lost or stolen, you hove $0 fraud liability guarantee -you're not responsible for any Fraudulent charges DISC VER 11 Nays to DISC VEER AVA 1 SHAFFER Account number ending In 4249 Closing Date: May 12, 2007 pogo 2 of 2 Finance Charge Summary Nominal Transaction Average Daly ANNUAL ANNUAL Periodic Fee Doily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period 30 days Pu c a^ $4152 47 0 04655% 16 99% F 16 99% $57 98 $0 C 2968 $3001 64 0 06299% 22 99% F 22 99% $56 72 $0 The rales That apply to your Account are either Fixed (F) or they may very (V) as noted above Questions? Manage your account at Discovar.com or call 1 -800 -DISCOVER (1-800.347.2683). DISC VER New Balance Minimum Payment Due: $7,099.85 $140.00 Payment Due Date July 11, 2007 AVA 1 SHAFFER 105 ARNOLD RD ENOLA PA 17025-2102 Address, email or telephone changee Print change in space above, ar go to Discover corn Pont your e-mail address to receive important Account information and special offers Account Number ending in 4249 Enter Amount Enclosed Below $r 1 Please make check payable to Discover Card or pay online Discovercord com PO BOX 71084 CHARLOTTE NC 28272-1084 000001986618065818689070998500150000014000 Discover More Card Account Summary Closing Date: June 12, 2007 Previous Balance Payments And Credits Purchases Cash Advances Balance Transfers Finance Charges New Balance Account number ending in 4249 Payment Due Date July 11, 2007 Minimum Payment Due $140 00 Credit Lsmrt $9,100 00 Credit Available $2,000 00 Cash Credit Limit $2,300 00 Cash Credit Available $23 00 page I of 1 $7,117 83 150 00 + 12 99 + 0 00 + 0 00 4 11903 _ $7,099 85 You may be able to avoid Periodic Finance Charges, see the reverse side for details Cashback Bonuse Cashback Bonus® Anniversary Month September CONGRATUTATIONSI Your Cashback Bonus(R) is waiting for you Visit Discovercard com or call 1.800 -DISCOVER (1.800.347.26831 to get your share of America's #1 CashRewards Program Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance $ • 30 59 .03 1 33,62 How Can We Help You? Itis your choice - 3 ways to help Please have your Discover Cord available For TDD (assistance For hearing impaired) see reverse side 1 Visil Discover.com to pay your bill for nn cast, viewur latest Account information, earn and redeem rewards and more 2 Call 1.800 -DISCOVER (347.2683) for Font, easy self.service options or to speak with a Customer Service Account Manager 3 Witte us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions Payments and Credits Services $0 Fraud liability Guarantee Use your Discover Card with confidence Datta Jun 11 PAYMENT - THANK YOU Trans. Date Jun 11 Jun 6 Jun 6 IDENTITY THEFT PROTECT 877-623-8011 UT $ •150 00 12 99 Finance Charge Summary Average Daily Balances Daily Periodic Rates current billing period 31 days Pu chs. $4108 73 0 04655% C a 2958 $3059 84 0 06299% Nam inol ANNUAL ANNUAL RATPERCENTAGE PERCENTAGE Transaction Periodic Fee FINANCE FINANCE CHARGES CHARGES 16 99% F 16 99% $59 28 10 22 99% F 22 99% $59 75 $0 The rates That apply to your Account are either fixed (F) or they may vary (V) as noted above Get 5%Cashbadi BonuslR) From July through September on gar, hotels, and admission to theme parks, water parka, museums, aquariums and zoos wills the Get Male program Sign up at Drscovercord com or call 1 -800 -DISCOVER (1.800.347-2683) DISC VER New Balance Minimum Payment Due: $7,077,98 $140,00 Payment Due Date August 11, 2007 AVA 1 SHAFFER 105 ARNOLD RD ENOLA PA 17025-2102 Address, e-mail or telephone change Print change in space above, or go to Diuover tom Print your e.marl address to receive important Account information and special offers Account Number ending in 4249 Enter Amount Enclosed Below Please make check payable to Discover Card or pay online @ Discovercard tom PO BOX 71084 CHARLOTTE NC 28272-1084 000001986618065818689070779800150000014000 Discover More Card Account Summary Closing Date: July 12, 2007 Previous Balance Payments And Credits Purchases Cosh Advances Balance Transfers Finance Charges New Balance Account number ending Payment Due Date Minimum Payment Due Credit Limit Credit Available Cosh Credit Limit Cosh Credit Available in 4249 August 11, 2007 $140 00 $9,100 00 $2,022 00 $2,300 00 $23 00 page 1 of 1 $7,099 85 15000 + 12 99 + 0 00 • 0 00 + 115 14 $7,077 98 You may be able to avoid Periodic Finance Charges, see the reverse side For details Cashback Bonus' Cashbock Bonuse Anniversary Month September CONGRATULATIONS] Your Cashback Banus(R) is waiting -for you Visit Discovercard com or.call 1.800 -DISCOVER (1.800.347-2683) to get your share of America's 41 Cash Rewards Program How Can We Help You? It's your choke - 3 ways to help Please have your Discover Cord available For TDD (assistance for hearing impaired) see reverse side Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance $ 33 62 0.03 $ 33,65 1 Visit Discover,com to pay your bill for no cost, viewour latest Account information, earn and redeem rewards and more 2 Call 1.800 -DISCOVER 1347-2683) for fast, easy self.service options or to speak with a Customer Service Account Manager 3 Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions Payments and Credits 5e:vises $0 Fraud Liability Guarantee Use your Discover Card with confidence Post Date Jul 10 PAYMENT - THANK YOU Jul 6 IDENTITY THEFT PROTECT 877.623.801 1 UT Trans. Dote Jul 10 Jul 6 $ .150 00 12 99 Finance Charge Summary Average Daily Balances Doily Periodic Rates current billing period 30 days Pu ca es $4024 29 0 04655% C a 2958 $31 19 18 0 06299 Nammal ANNUAL ANNUAL PERCENTAGE PERCENTAGE RATE 16 99% F 16 99% 22 99% F 22 99% The rates That apply lo your Account are either fixed IF) or They may vary )V) os noted above Transaclren Periodic Fee FINANCE FINANCE CHARGES CHARGES $56 20 $0 S58 94 $0 Manage your account your way— whether you prefer to speak with a live person or manage it on your own, Deeovei (R) Card has the right account managemeni.apnons for you Visit Discovercard com or call 1.800 -DISCOVER 11.800.347.2683) DISC VER New Balance $7,121.22 AVA 1 SHAFFER 105 ARNOLD RD ENOLA PA 17025-2102 Minimum Payment Due $141,00 Payment Due Date September 11, 2007 Address, e-mail or telephone changet' Print change in space above, or go to Discover coin Print your a -mad address to receive important Account information and special offers Account Number ending in 4249 Enter Amount Enclosed Below sr 1 Please make check payable to Discover Card or pay online 81 Discovercard cam PO BOX 71084 CHARLOTTE NC 28272-1084 000001986618065818689071212200140000014100 Discover More Card Account Account number ending in Payment Due Date Minimum Payment Due Credit Limit Credit Available Cash Credit Limit Cash Credit Available 4249 September 11, 2007 $141 00 $9,100 00 $1,978 00 $2,300 00 $23 00 Summary Closing Date: August 12, 2007 Previous Balance Payments And Credits Purchases Cash Advances Balance Transfers Finance Charges New Balance You may be able to avoid Periodic Finance reverse side for details page 1 of 2 $7,077 98 14000 • 63 82 + 000 + 000 4 110 42 id $7,121 22 Charges, see the Cashback Bonus" Cashback Bonus® Anniversary Month September CONGRATULATIONS' Your Cashback BonuslR) is waiting for you Visit Discovercard com or call 1 -800 -DISCOVER 11-800.347-2683) to gel your share of America's #1 Cash Rewards Program Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance $ 33 65 + 0.16 $ 33,81 How Can We Help You? It's your choice - 3 ways to help Please have your Discover Card available For TDD (assistance for hearing impaired) see reverse side 1 Visit Discover cam to pay your bRl for no cast, view your latest Account information, earn and redeem rewards and more 2 Call 1 -800 -DISCOVER 1347.2683) for fast, easy self-service options or to speak with a Customer Service Account Manager 3 Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions Payments and Credits Merchandise Services 30272968 SO Fraud Liability Guarantee Use your Discover Card with confidence Trans. Post Date Data Aug 9 Aug 9 PAYMENT - THANK YOU Jul 24 Jul 24 HER • HERRSCHNERS INC 800.713.1239 WI 3352496 Aug 7 Aug 7 IDENTITY THEFT PROTECT 877.623.8011 UT $ -14000 50 83 12 99 Manage your budget, track your spending and avoid fees with FREE timely e-mail reminders Learn more about e-mail reminders and other easy online account management options al Discovercard com/reminders DISC VER It pays to DISC VER' AVA I SHAFFER Account number ending in 4249 Closing Data: August 12, 2007 page 2 of 2 Finance Charge Summary Balance Transfer offer for current billing period Daily Periodic Rate 0 02737%, corresponding ANNUAL PERCENTAGE RATE 9 99% Rate is subject to the terms of the offer including expiration Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing paned 31 days Pcxrc ass $3973 20 0 04655% 16 99% F 16 99% $57 33 $0 Cs4 lr�>9�58 $3179 46 0 06299% 22 99% F 22 99% $62 09 $0 The rotes that apply lo your Account are either fixed (F) or they may vary (VI as noted above Questions? Manage your account at Discover.com or call 1-800•DISCOVER (1-800-347.2683. DISC VER New Balance $7,104,16 AVA 1 SHAFFER 105 ARNOLD RD ENOLA PA 17025-2 102 Minimum Payment Due: Account Number ending in 4249 $140.00 Enter Amount Enclosed Below $ Please make check payable to Discover Card or pay online Discovercard corn Payment Due Dale October 11, 2007 Address, e-mail or telephone change2 Print change in space above, or go to Discover com Print your email address to receive important Account information and special offers PO BOX 71084 CHARLOTTE NC 28272-1084 000001986618065818689071041600150000014000 Discover More Carcl Account Summary Closing Date: September 12, 2007 Account number ending in 4249 Previous Balance Payment Due Dale October 11, 2007 Payments And Credits Minimum Payment Due $140 00 Purchases Credit Lrmu $9,100 00 Cosh Advances Credit Available $1,995 00 Balance Transfers Cash Crock Limit $2,300 00 Finance Charges Cash Credit Available $23 00 New Balance You may be able to avoid Periodic Finance Charges, see the reverse side for details page I of I $7,121 22 15000 + 12 99 + 000 + 0 00 + 11995 $7,104 16 Cashback Bonus° Cashback BonusceJ Anniversary Month September CONGRATULATIONS' Your Cashback BonuslR) is woihng for you Visit Discovercord com or call 1 -800 -DISCOVER (1-800.347.2683) to get your share of America's #1 Cash Rewards Program Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance $ 33 81 + 0.03 $ 33.84 How Can We Help You? Itis your choice - 3 ways to help Please have your Discover Card available For TDD (assistance for heanng impaired) see reverse side 1 Visit Discover.cam to pay your bill for no cast, viewour latest Account information, earn and redeem rewards and more 2 Cdlt 1.800 -DISCOVER 1347-2683) for fast, easy self•service options or to speak with a Customer Service Account Manager 3 Write us at Discover Card, PO Box 30943, Salt Lake Gly, UT 84130 Transactions Payments and Credits Services $0 Fraud Liability Guarantee Use your Discover Card with confidence Post Date Sep 10 PAYMENT - THANK YOU Sep 6 IDENTITY THEFT PROTECT 877-423.8011 L1T Trans. Date Sep 10 Sep 6 $ •15000 12 99 Finance Charge Summary Balance Transfer offer for current billing period Daily.Perrodic Rate 0 02737%, corresponding ANNUAL PERCENTAGE RATE 9 94% Rate is subject to the terms of the offer including expiration Nominal Average Doily ANNUAL. ANNUAL Periodic Doily Per PERCENTAGE PERCENTAGE FINANCE Balances Rates RATES RATES CHARGES Transaction FINANCE CHARGES current bilhng period 31 days Pu c o$3925 24 0 04655% 16 99% F 16 99% $56 64 $0 C 2958 $3242 34 0 06299% 22 99% F 22 99% $63 31 $0 The roles that apply to your Account are either fixed (F) or they may vary (V) as noted .above DISC VER New Balance Minimum Payment Due: $7,146.31 $141.00 Payment Due Dale November 11, 2007 AVA I SHAFFER 105 ARNOLD RD ENOLA PA 17025-2102 Address, email or telephone changee Print change in space above, or go to Discover com Print your e-mail address to receive important Account information and special offers Account Number ending in 4249 Enter Amount Enclosed Below Please make check payable to Discover Card or pay online Discovercard com PO BOX 71084 CHARLOTTE NC 28272-1084 0000019866I8065818689071463100°150000014100 Discover More Card Account Summary Closing Date: October 12, 2007 Account number ending in 4249 PreviousBalance Payment Due Dote - November 11, 2007 Payments And Credits - Minimum Payment.Due $141 00 Purchases 4 - Credit Credit Limit $9,100 00 Cash Advances + Credit Available $1,953 00 Balance Transfers + Cosh Credit Limit $2,300 00 Finance Charges + Cash Credit Available $23 00 New Balance You may be oble to avoid Periodic Finance Charges, see the reverse side for details page I oF2 $7,104 16 150 00 76 03 0 00 0 00 116 12 $7,146 31 Cashback Bonus° Cashback 8onus1 Anniversary Month September CONGRATULATIONS! Your Cashback Bonus1111 is wailing for you Visit Discovercard com or call 1.800 -DISCOVER (1.800.347.26831 to get your share of America's #1 Cash Rewards Program Opening Cashback Bonus Balance New Cashback Bonus This Period $ 33 84 + 0,03 Cashback Bonus Balance $ 3187 How Can We Help You? It's your choice - 3 ways to help Please have your Discover Card available For TDD )assistance for hearing irnpmred) sea reverse side 2 3 Visit 0iscovor.cam to pay your bill far no cost, view your latest Account information, eom and redeem rewards and more Call 1.800 -DISCOVER 1347.2683) For Fast, easy self-service options or to speak with a Customer Service Account Manager Write us at Discover Card, PO Box 30043, Salt lake City, UT 84130 Transactions Payments and Credits Other/Miscellaneous Services 30272958 $0 Fraud Liability Guarantee, Use your Discover Card with confidence Trans. Post Data Deto Oct 10 Oct 10 PAYMENT • THANK YOU Oct 12 Oct 12 PAYMENT PROTECTION PPD 1-877.883.1959 Oct 6 Oci 6 DENIM THEFT PROTECT 877-623-8011 UT $ •15000 63 04 12 99 Wish you could sort these purchases by amount, description or category? You can -- register at Discovercard com to view your purchases online as far back as 12 months Learn more at Discovercard com/purchases DISC VER 11 pays to DfSC VER. AVA 1 SHAFFER Account number ending in 4249 Closing Date: October 12, 2007 page 2 of 2 Finance Charge Summary Balance Transfer offer for current billing period Daily Panodic Rote 0 02712% corresponding ANNUAL PERCENTAGE RATE 9 90% Rate is sublet to the terms of the offer including expiration Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Panodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing penod 30 days Pu c a• $3843 03 0 04655% 16 99% F 16 99.b $53 66 $0 C > �8f)8 $3305 21 006299% 22 99% F 22 99% $62 46 $0 The totes that apply to your Account are either fixed (nor they may vary (VI as noted above Questions? Manage your account atDiscover.corn or call 1 -800 -DISCOVER (1-800-347-2683). DISC VER New Balance Minimum Payment Due. $7,482.76 $148.00 AVA 1 SHAFFER 105 ARNOLD RD ENOLA PA 17025-2102 Payment Due Date December 11, 2007 Please make check payable to Discover Card or pay online Discovercard com Account Number ending in 4249 Enter Amount Enclosed Below 81- Address, r PO BOX 71084 CHARLOTTE NC 28272-1084 Address, e-mail or telephone changes Print change in space above, or go to Discover corn Print your e-mail address to receive important Account information and special offers 000001986618065818689074827600145000014800 Discover More Card Account Summary Closing Date: November 12, 2007 Account number ending in 4249 Payment Due Date December 1 I, 2007 Minimum Payment Due $14800 Credit limit $9,100 00 Credit Available $1,61700 Cash Credit Limit $2,300 00 Cash Credit Available $23 00 page 1 of 2 Previous Balance $7,146 31 Payments And Credits - 145 00 Purchases + 359 76 Cash Advances + 000 Balance Transfers + 0 00 Finance Charges + 121 69 New Balance = $7,482 76 You may be able to avoid Periodic Finance Charges, see the reverse side for details Cashback Bonus' Cashback Bonusiii Anniversary Month Seplember CONGRATULATIONSI Your Cashback BonusfR) is waiting for you Visit Discovercard cam or call 1 -800 -DISCOVER (1.800.347-2683) to set your share of America's #1 Cash Rewards Program Opening Cashback Bonus 8olance New Cashed Bonus This Period Cashback Bonus Balance $ 33 87 + 0.73 S 34.60 How Can We Help You? It's your choice - 3 ways to help Please have your Discover Card available For TDD (assistance for hearing impaired) see reverse side Visit Discover.com to pay your bill for no cast, view your latest Account information, Born and redeem rewards and more 2 Call 1.800 -DISCOVER (347.2683) for fast, easy sel6service options or to speak vnth a Customer Service Account Manager 3 Witte us at Discover Card, PO Box 30943,, Soft Lake City, UT 84130 Transactions Payments and Credits Merchandise Other/Miscollaneous Services 30272958 $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Post Data Data Nov 8 Nov 8 PAYMENT THANK YOU Nov 1 Nov 1 COLLECTIONS ETC , INC 620.584.8000 IL 3637658801001 Nov 7 Nov 7 RED`CHADWICK TEL ORD 800-525-4420 IN 45369828500 Nov 9 Nov 9 KMART ENOLA PA Nov 10 Nov 10 HIGH SCHOOL MUSICAL 28 VIENNA VA Nov 12 Nov 12 PAYMENT PROTECTION PPD 1-877.883.1959 Nov 6 Nov 6 IDENTITY THEFT PROTECT 877.623.8011 UT $ .145 00 82 93 55 98 50 86 91 00 66 00 12 99 Wish you could sort these purchases by amount, description or category? You con - register at Discovercard corn lo view your purchases online as far back as 12 months Learn more at Discovercard corn/purchoses DISC VER' 11 pays to DISC VER AVA 1 SHAFFER Account number ending rn 4249 Closing Date: November 12, 2007 page 2oF2 Finance Charge Summary Balance Transfer offer for current billing period Daily Periodic Rafe Q 02164%, corresponding ANNUAL. PERCENTAGE RATE 7 90% Rate is subject to the terms of the offer including expiration Nominal Average Daily ANNUAL ANNUAL Penodre Daily Periodic PERCENTAGE PERCENTAGE FINANCE Balances Rates RATES RATES CHARGES current billing period 31 days Puc o C u31:468 $3369 31 $3873 38 004655% 1699% F 0 06299% 22 99% F 16 99% 22 99% The tater, that apply to your Account are either fixed (F) or they may Vary (V) as noted above Questions? Manage your account at Discover.com or call 1 -800 -DISCOVER (1-800-347-2683i. pTransaction FINANCE CHARGES $55 90 $0 $65 79 $0 1 DISC VER New Balance Minimum Payment Due: $7,950.44 $157,00 Payment Due Date January 11, 2008 AVA I SHAFFER 105 ARNOLD RD ENOLA PA 17025-2102 Address, e-mail or telephone changee Print change in space above, or go to Discover coin Print your e-mail address to receive important Account information and special offers Account Number ending in 4249 Enter Amount Enclosed Below sr Please make check payable to Discover Card or pay online @ Discovercard cam PO BOX 71084 CHARLOTTE NC 28272-1084 000001986618065818689079504400150000015700 Discover More Card Account Summary Closing Date: December 12, 2007 Account number ending in 4249 Previous Balance Payment Due Date January 11, 2008 Payments And Credits Minimum Payment Due $157 00 'Purchases Creditlimil $9,10000 Cosh Advances Credit Available $1,149 00 Balance Transfers Cash Credit Limit $2,300 00 Finance Charges Cosh Credit Available $23 00 New Balonce You may be able to avoid Periodic Finance Charges, see the reverse side for details page 1 of 2 87,482 76 15000 + 491 08 + 000 + 000 + 12660 $7,950 44 Cashback Bonus° Cashback Bonus® Anniversary Month September CONGRATULATIONS' Your Cashback Bonus(R1 is waiting for you Visit Discovercard ram or call 1.800 -DISCOVER (1.800.347.2683) to get your share of America's #1 Cash Rewards Program Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance 8 34 60 + 1.21 $ 35,81 How Can We Help You? It's your choke - 3 ways to help Please hove your Discover Cord ovadable For TDD (assistance for hearing impaired) see reverse side 1 Visit Oiiscover.com to pay your bili for no cost, view your latest Account infarmotion, earn and redeem rewards and more 2 Call 1.800 -DISCOVER (347-2683) For fast, easy self-service options or to speak with a Customer Service Account Manager 3 Write us at Discover Card, PO Box 30943, Sall Lake City, UT 84130 Transactions Payments and Credits Merchandise Gasoline Services 30272958 $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Pod Date Date Dec 10 Dec 10 PAYMENT - THANK YOU Nov 11 Nov 13 CRANKS K861 HARRISBURG PA Nov 18 Nov 18 ONLINE GAMES POGO/EA WWW EA COM CA 21924361 Nov 21 Nov 21 CVS/PHARMACY 1622 LEMOYNE PA Nov 26 Nov 26 WAL-MART SC - 41886 MECHANICSBURGPA Dec 9 Dec 9 ONLINE GAMES POGO/EA WWW EA COM CA 22396013 Nov 20 Nov 20 TURKEY HILL #0266 069 HARRISBURG PA Nov 22 Nov 22 WDW DINIING RESERVATION L B V FL WALT DISNEY WORLD RESORT R1 143455 Doc 6 Dec 6 IDENTITY THEFT PROTECT 877-62,3.8011 UT $ •15000 23 98 39 99 31 42 199 27 4 99 43 50 134 94 1299 DISC VER If pays to DISC VER' AVA I SHAFFER Account number ending in 4249 Closing Date: December 12, 2007 page 2 of 2 Information For You For this holiday season, give o Discover{R} Gift Cord and let them choose something shot's lust right Discover Gift Cards ore now available al many retail locations Visit Discovegiftcard com /chop to find a retail location near you To purchase your Discover Gill Card online, visit Discovergifcard corn Finance Charge Summary Balance Transfer offer for current billing period Doily Periodic Rate 0 02164% corresponding ANNUAL PERCENTAGE RATE .7 90% Rote is subject to the terms of the offer including expiration Nommol Transaction Average Doily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period 30 days Pu •c��LLa $4418 30 0 04655% 1699% F 16 99% $61 70 $0 C�b/'af 2S58$3434 64 0 06299% 22 99% F 22 94% $64 90 $0 The rotes that apply to your Account are either fixed if) or they troy vary IVI as noted above Questions? Manage your account at Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISC VER New Balance $8,310.72 AVA 1 SHAFFER 105 ARNOLD RD ENOLA PA 17025-2102 Minimum Payment Due $164.00 Payment Due Date February 11, 2008 Address, e-mail or telephone changet Pnnl change in space above, or go to Discover com Print your e-mail address to receive important Account information and special offers Account Number ending in 4249 Enter Amount Enclosed Below Please make check payable to Discover Card or pay online © Discovercard com PO BOX 71084 CHARLOTTE NC 28272-1084 000001986618065818689083107200160000016400 Discover More Card Account Summary Account number ending in 4249 Payment Due Date February 11, 2008 Minimum Payment Due $164 00 Credit Urn it $9,100 00 Credrt Available $789 00 Cash Credit Lenit $2,300 00 Cash Credit Available $23 00 Closing Date: January 12, 2008 Previous Balance Payments And Credits Purchases Cash Advances Balance Transfers Finance Charges New Balance page 1 of 2 $7,950 44 160 00 + 382 95 + 000 + 0 00 + 13733 $8,310 72 You may be able to avoid Periodic Finance Charges, see the reverse side for details Cashback Bonus" Cashbock BonuslD Anniversary Month September CONGRATULATIONS' Your Cashback Bonus(R) is waiting for you Visit Discovercard om or call 1 -800 -DISCOVER (1-800.347-26831 to gel your share of America's 41 Cosh Rewards Program Opening Cashback Bonus Balance New Cashback Bonus The Period Cashback Bonus Balance $ 3581 4- 0.95 $ 36,76 How Can We Help You? It's your choke - 3 ways to help Please hove your Discover Card available For TDD (assistance for hearing impaired) see reverse side 1 Visit 0iscover.corn lo pay your bill for no cost, view your latest Account information, earn and redeem rewards and more 2 Call 1.800 -DISCOVER 1347-26831 for fast, easy self-service options or to speak with a Customer Service Account Manager 3 Write us al Discover Card, PO Box 30043, Salt Lake City, UT 84130 Transactions Payments and Credits Merchandise Services Government Servkes 30272958 $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Date Jan 10 Dec 12 Dec 20 Jon 8 Dec 28 Date Jan 10 Dec 13 Dec 20 Jan 8 Dec 28 PAYMENT - THANK YOU HER`HERRSCHNERS INC 800.713.1239 WI 3719781 TOYS R US 8318 HARRISBURG PA IDENTITY THEFT PROTECT 877-623-8011 Ur PA DRIVER/VEHICLE SERV HARRISBURG PA $ -16000 29 94 280 52 12'99 59 50 Wish you could sort these purchases by amount, descriphon or category? You can •• register at Discovercard corn to view your purchases online as Far back as 12 months Learn more at Discovercard com/purchases DISC VER* pnys Iv DISC VER AVA I SHAFFER Account number ending in 4249 Closing Date: January 12, 2008 page 2 of 2 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period 31 days Pu c �{ $4779 51 0 04655% 16 99% F 16 99% $68 96 $0 C a�S68 $3501 24 0 06299% 22 99% F 22 99% $68 37 $0 The rates that apply to your Account me either fixed (F) or they may vary (V) as noted above Questions? Manage your account at Discover.com or call 1 -800 -DISCOVER (1-800.347-2683). DISC VER New Balance Minimum Payment Due Account dumber ending in 4249 $8,292,44 $164.00 Enter Amount Enclosed Below Payment Due Date March 11, 2008 AVA I SHAFFER 105 ARNOLD RD ENOLA PA 17025-2102 Address, e-mail or telephone changee Pant change in space above, or go to Discover corn Print your a -mad address to receive important Account information and special offers Please make check payable to Discover Card or pay online @ Discovercard com PO BOX 71084 CHARLOTTE NIC 28272-1084 000001986618065818689082924400170000016400 Discover More Card Account Summary Closing Date: February 12, 2008 pogo 1 of 1 Account number ending in 4249 Previous Balance $8,310 72 Payment Due Dale March 11, 2008 Payments And Credits 170 00 Minimum Payment Due $164 00 Purchases + 12 99 Credit Limit $9,100 00 Croh Advances + 000 Credit Available$807 00 Balance Transfers + 000 Cash Credit Limit $2,300 00 Finance Charges + 138 73 Cash Credit Available $23 00 New Balance $8,292 44 You may be able to ovoid Periodic Finance Charges, see the reverse side for details Cashback Bonus° Opening Cashback Bonus Balance $ 36 76 New Cashback Bonus This Period + ftA3 Cashback Bonus Balance $ 36,79 Cashback Bonus® Anniversary Month September CONGRATULATIONS' Your Cashback Bonus(R) is waiting For you Visit Discovercard com or call 1.800•DISCOVER [1-800-347-2683) to get your share of America's *1 Cash Rewards Program How Can We Help You? It's your choice - 3 ways to help Please have your Discover Cord available For TDD (assistance For hearing impaired) see reverse side 1 Visit Discover.com lo pay your bill for no cost, view your latest Account information, earn and redeem rewards and more 2 Call 1.800.DISCOVER 1347-2683) for fast, easy self-service options or to speak write a Customer Service Account Manager 3 Write us al Discover Cord, PO Box 30943, Soli Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans, Post Date Date Payments and Credits Feb 8 Feb 8 PAYMENT • THANK YOU Services Feb 6 Feb 6 IDENTITY THEFT PROTECT 877.623..8011 UT $ -170 00 12 99 Finance Charge Summary Nara Inc!' Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period 31 days Pu c a 34783 04 0 04655% 16 99% F 16 99% C� 08 $3570 26 0 06299% 22 99% F 22 99% The rales that apply la your Account are either fixed Oar they rnay vary IV) as noted above $69 01 $0 $69 72 $0 Wish you could sort these purchases by amount, description or category? You can - register at Discovercard com to view your purchases online as far back as 12 months Learn more at Discovercard com/purchoses DISC VER New Balance Minimum Payment Due. $8,271.32 $163,00 Payment Due Dale April 11, 2008 AVA I SHAFFER 105 ARNOLD RD ENOLA PA 17025-2102 Address, e-mail or telephone change Print change in space above, or go to Discover corn Print your e-mail address to receive important Account information and special offers Account Number ending in 4249 Enter Amount Enclosed Below Please make check payable to Discover Card or pay online © Discovercord com PO BOX 71084 CHARLOTTE NC 28272-1084 000001986618065818689082713200170000016300 Discover More Card Account Summary Account number ending Payment Due Dote Minimum Payment Due Credit Limit Credit Available Cash Credit limit Cash Credit Available in 4249 April 11, 2008 $16300 $9,100 00 $828 00 $2,300 00 $2300 Closing Date: March 12, 2008 Previous Balance Payments And Credits Purchases Cash Advances Balance Transfers Finance Charges New Balance page I of 1 $8,292 44 170 00 + 19 34 + 000 + 0 00 + 129 54 _ $8,271 32 You may be able to avoid Periodic Finance Charges, see the revere side for details Cashback Bonus' Cashbook Bonus® Anniversary Month September CONGRATULATIONS' Your Cashback BonuslR) as waiting for you Visit Discover com or call 1 -800 -DISCOVER (1.800.347.2683) to redeem Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance $ 36 79 + 0.04 $ 36,83 How Can We Heip You? It's your choke - 3 ways to help Please have your Discover Cord available For TDD lassislance for hearing impaired) see reverse side 1 Visit Discover.com to pay your bill for no cost, viewur latest Account information, earn and redeem rewards more 2 Call 1.800 -DISCOVER 1347-2683) for fast, easy self-service options or to speak wills a Customer Service Account Manager 3 Write us at Discover Card, PO B9% 30943, Sall Lake City, UT 84130 Transactions Payments and Credits Merchandise Services $0 Fraud Liability Guarantee Use your Discover Cord with confidence Trans. Post Date Date Mar 4 Mar 4 PAYMENT - THANK YOU Feb 13 Feb 13 ONLINE GAMES POGO/EA WWW EA COM CA 23636635 Mar 6 Mor 6 IDENTITY THEFT PROTECT 877-623-8011 UT $ -170 00 6 35 12 99 Finance Charge Summary Average Daily Daily Periodic Balances Rates current billing period 29 days Nominal ANNUAL ANNUAL PERCENTAGE PERCENTAGE RATES RATES Transaction Periodic Fee FINANCE FINANCE CHARGES CHARGES Pu cho,•�g,, $4673 41 0 04655% 16 99% F 16 99 $63 08 $0 [1a 858 $3638 34 0 06299'„ 22 99% F 22 99% $66 46 $0 The rotes that apply to your Account are either fixed (F) or they may vary IVl os noted above DISC VER New Balance 9,248.39 AVA 1 SHAFFER 105 ARNOLD RD ENOLA PA 17025-2102 Minimum Payment Due Account Number ending in 4249 $ 163.04 Enter Amount Enclosed Below Payment Due Dale May 11, 2008 Address, e-mail or telephone changer Print change rn space above, or go to Discover com Print your email address to receive important Account information and special offers $r Please make check payable to Discover Card or pay online @ Drscovercard com PO BOX 71084 CHARLOTTE NC 28272-1084 000001986618065818689082483900175000016300 Discover More Card Account Summary Closing Date: April 12, 2008 Previous Balance Payments And Credits Purchases Cosh Advances Balance Transfers Finance Charges New Balance You may be able to ovoid Periodic Finance Charges, see the reverse side for details Account number ending in 4249 Payment Due Date May 1 1, 2008 Minimum Payment Due $163 00 Credit Limit $9,100 00 Credit Available $851 00 Cosh Credit limit $2.300 00 Cosh Credit Available $23 00 page I of 1 $8,271 32 175 00 + 1299 0 CO + 000 13908 $8,248 39 Cashback Bonus" Cashbook Bonus® Anniversary Month September CONGRATULATIONS' Your Cashbook Bonus(R) is waning for you Visit Discover com or call 1-800•DISCOVER (1.800.347.2683) to redeem Opening Cashbook Bonus Balance New Cashback Bonus Thu Period Cashback Bonus Balance $ 36 83 + 0.03 $ 36.86 How Can We Help You? It's your choice - 3 ways to help Please have your Discover Cord available For TDD (assistance for hearing Impaired) sae reverse side 1 Visit Discover.com to pay your bill For no cast, viewour latest Account mfoimalion, earn avid redeem rewards and more 2 Call 1.800 -DISCOVER (347.2683( for fast, easy self-service options or io speok with a Customer Service Account Manager 3 Write us of Discover Card, PO Box 30943, Salt Lake City, IJT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Dora Payments and Credits Apr 11 Apr 11 PAYMENT - THANK YOU $ -175 00 Services Apr 8 Apr 8 IDENTITY THEFT PROTECT 877-623.8011 UT 12 99 Post Dato Finance Charge Summary Average Doily Balances Daily Periodic Rates current billing period 31 days f'u c axe $4621 55 0 04655% Ck i a2958 $3707 74 0 06299% Nominal ANNUAL ANNUAL PERCENTAGE PEERTCENTAGE 16 99% F 16 99% 22 99% F 22 99% The roles That apply to your Account are ether fixed (F) or They may vary (V) as noted above Transaction Periodic Fee FINANCE FINANCE CHARGES CHARGES $72 40 $0 Visit the Discover Insurance Center to find high quality protection For your family, home and auto Request a quote online or use the Knowledge Builder to lead what the experts say about popular insurance questions Visit Discover cam/insurancecenter today DISC VER New Balance Minimum Payment Due, $8,220.82 $162.00 Payment Due Dale June 11, 2008 AVA 1 SHAFFER 105 ARNOLD RD ENOLA PA 17025-2102 Address, e-mail or telephone change? Pnnt change in space above, or go to Discover com Print your e-mail address to receive important Account information and special offers Account Number ending ir. 4249 Enter Amount Enclosed Below Please make check payable to Discover Card or pay online el, Discovercard om PO BOK 71084 CHARLOTTE NC 28272-1084 000001986618065818689082208200175000016200 Discover More Card Account Summary Closing Date: May 12, 2008 Previous Balance Payments And Credits Purchases Cash Advances Balance Transfers Finance Charges New Balance Account number ending Payment Due Dole Minimum Payment Due Credit Limit Credit Available Cash Credit Limit Cash Credit Available in 4249 June 11, 2008 $16200 $9,100 00 $879 00 $2,300 00 $23 00 page I of 1 $8.248 39 175 00 + 12 99 + 000 + 000 + 134 44 $8,220 82 You may be oble to avoid Periodic Finance Charges, see the revere side for details Cashback Bonus" Cashback Bonuse Anniversary Month September CONGRATUTATfONSI Your Cashback Bonus(R) rs waiting for you Visit Discover com or call I -800 -DISCOVER (1.800.347-2683) to redeem Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance $ 36 B6 0.03 $ 36,89 How Can We Help You? It's your choice - 3 ways to help Please have your Discover Cord available For TDD (assistance for hearing impaired( see reverse side 1 Visit Discover.com to pay your bill for no cost, view your latest Account inFormahon, earn and redeem rewards and more 2 Call 1.800 -DISCOVER (347.2683) For fast, easy self-service options or to speak with a Customer Service Account Manager 3 Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions Payments and Credits Services $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Lost Date ate May 9 May 9 PAYMENT - THANK YOU May 6 May 6 IDENTITY THEFT PROTECT 877.623.8011 UT $ -175 00 12 99 Finance Charge Summary Nominal Average Daily ANNUAL ANNUAL Periodic Darty Periodic PERCENTAGE PERCENTAGE FINANCE Balances Rates RATES RATES CHARGES current billing period 30 days Pu ch6 ase $4513 38 0 04655% 16 99% F 1699% $63 02 11 2958 $3779 63 0 06299% 22 99% F 22 99% $71 42 The rales that apply to your Account are either fixed (F) or they may vary IV) es noted above Transaction FINANCE CHARGES $0 $0 DISC VER New Balance $8,196.93 AVA 15HAFFER 105 ARNOLD RD ENOLA PA 17025-2102 Minimum Payment Due, $162,00 Payment Due Date July 11, 2008 Address, email or telephone change" Print change in space above, or go to Discover cam Print your email address to receive important Account information and special offers Account Number ending in 4249 Enter Amount Enclosed Below $r Please make check payable to Discover Card or pay online @ Discovercard com PO BOX 71084 CHARLOTTE NC 28272-1084 000001986618065818689081969300175000016200 Discover More Card Account Summary Closing Date: June 12, 2008 Previous Balance Payments And Credits Purchases Cash Advances Balance Transfers Finance Charges New Balance Account number ending in 4249 Payment Due Date July 11, 2008 Minimum Payment Due $162 00 Credit limit $9,100 00 Credit Available $903 00 Cosh Credit limit $2,300 00 Cash Credit Available $23 00 page 1 of 1 $8,220 82 175 00 + 12 09 + 0 00 + 0 00 4 138 12 • $8,196 93 You may be able to avoid Periodic Finance Charges, see the reverse side for details Cashback Bonus° Cashback Bonuse Anniversary Month September CONGRATULATIONS' Your Cashback Bonus(R) is waiting for you Visit Discover corn or call 1 -800 -DISCOVER {1.800.347.2683) to redeem Opening Cashbook Bonus Balance New Cashbook Bonus This Period Cashback Bonus Balance $ 36 89 + QS:13 $ 36,92 How Can We Help You? Ws your choice - 3 ways to help Please have your Discover Cord available For TDD (assistance for hearing impaired) see reverse ode Visit Discever.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and mae 2 Call 1.800 -DISCOVER (347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager 3 Write us al Discover Card, PO Box 30943, Salt Lake City, UT 841.30 Transactions Payments and Credits Services $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Past Date Data May 30 May 30 PAYMENT• THANK YOU Jun 6 Jun 6 IDENTITY THEFT PROTECT 877-623.8011 UT $ -17500 12 99 Finance Charge Summary Average Da iy Balances current billing ported 31 days Daily Periodic Rates Pu c axes, $4358 72 0 04655% C a 12958 83852 92 0 06299% Nominal ANNUAL ANNUAL PE R C E NTAGE PPE CENTAGETES ATES 1690% F 1699% 22 99% F 22 99% The roles That apply to your Account are either Axed IF( or they may vary IV( as noted above Transaction Periodic Fee FINANCE FINANCE CHARGES CHARGES $62 88 $0 $75 24 $0 DISC VER New Balance Minimum Payment Due' $8,217.38 $162.00 Payment Due Date August 11, 2008 AVA [SHAFFER 105 ARNOLD RD ENOLA PA 17025-2102 Address, e-mail or telephone change2 Print change in space above, or go to Discover corn Print your e-mail address to receive important Account information and special offers Account Number ending in 4249 Enter Amount Enclosed Below Please make check payable to Discover Card or pay online Discovercard com PO BOX 71084 CHARLOTTE NC 28272-1084 000001986618065818689082173800170000016200 Discover More Card Account Summary Closing Date: July 12, 2008 Account number ending in 4249 Payment Due Date August 11, Minimum Payment Due $162 00 Credit Limit $9,100 00 Credit Available 8882 00 Cash Credit Lrmd $2,300 00 Cosh Credit Available $23 00 page 1 of 1 Previous Balance $8,196 93 2008 Payments And Credits - 170 00 Purchases 4- 55 74 Cash Advances + 0 00 Balance Transfers + 0 00 finance Charges + 134 71 New Balance — $8,217 38 You may be able to avoid Periodic Finance Charges, see the reverse side for details Cashback Bonus" Cashbook Bonus® Anniversary Month September CONGRATULATIONS! Your Cashback Bonus(R) is waiting for you Visit Discover com or call 1.800 -DISCOVER (1-800.347-2683) to redeem Opening Cashbook Bonus Balance New Cashback Bonus Thin Period Cashback Bonus Balance $ 36 92 + 0.13 t 37.05 How Can We Help You? It's your choice - 3 ways to help Please.have your Discover Card available For TDD (assistance for hearing impaired) see reverse side 1 Visit Discover.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more 2 Coil 1.800 -DISCOVER 1347-2683) for fast, easy selfaervrce options or to speak with a Customer Service Account Manager 3 Write us at Discover Card, PO Box 30943, Salt Lake Cily, UT 84130 Transactions Payments and Credits Merchandise/Retail Services $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Date Jul 8 PAYMENT - THANK YOU Jun 26 M1 HUMMEL CLUB PENNINGTON NJ Jul 8 IDENTITY THEFT PROTECT 877.623-8011 UT East ate Jul 8 Jun 26 Jul 8 $ -17000 42 75 i 2 99 Finance Charge Summary Average Daily Balances Daily Periodic Rates current billing period 30 days P.0 c -es $4332 35 0 04655% Ca$Q�j$ $3927 64 0 06299% Nominal ANNUAL ANNUAL PERCENTAGE PERCENTAGE Transaction Penodre Fee FINANCE FINANCE CHARGES CHARGES 16 99% F 16 99% $60 49 $0 22 99% F 22 99% $74 22 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above Wish you could sort these purchases by amount, description or category? You can -- register at Discovercard com to view your purchases onlrne as far back as 12 months learn more at Discovercard cam/purchases DISC VER New Balance $9,011,00 AVA 1 SHAFFER 105 ARNOLD RD ENOLA PA 17025-2102 Minimum Payment Due: 5178.00 Payment Due Date September 11, 2008 Address, a -mad or telephone change Pnnt change in space above, or go to Discover com Print your e-mail address to receive important Account information and special offer: Account Number ending in 4249 Enter Amount Enclosed Below Please make check payable to Discover Card or pay online. © Discovercnrd com PO BOX 71084 CHARLOTTE NC 28272-1084 000001986618065818689090110000165000017800 Discover More Card Account Summary Closing Dale: August 12, 2008 Account number ending in 4249 Payment Due Dale September 11, 2008 Minimum Payment Due $178 00 Credit Lrmil $9,100 00 Credit Available $89 00 Cash Credit Limit $2,300 00 Cosh Credit Available $23 00 Previous Balance Payments Arid Credits Purchases Cash Advances Balance Transfers Finance Charges New Balance You may be able to avoid Periodic Finance reverse side for details page I of 2 $8,217 38 16500 + 811 87 + 000 + 000 + 14675 = $9,01100 Charges, see the Cashback Bonus' Cashback Bonusi9 Since Anniversary Month September $5 68 CONGRATULATIONSI Your Cashbock Bonus(R) is waiting for you Visit Discover com or call 1-800•DISCOVER (1.800347.2683) to redeem Opening Cashback Bonus Balance New Cashhack Bonus This Period Cashback Bonus Balance $ • 32 05 $ 39.52 How Can We Help You? It's your choice - 3 ways to help Please have your Discover Cord available For TDD (assistance for hearing impaired) see reverse side 2 3 Vise Discover.com to pay your bill for no cost, viewour latest Account information, earn and redeem rewards and more Call 1 -800 -DISCOVER (347-2683) for Fail, easy self•service options or to speak wilh a Customer Service Account Manager Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions Payments and Credits Merchandise/Retail Jul 21 Jul 27 $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. cost Date Date Aug 1 I Aug 11 PAYMENT • THANK YOU Gasoline Services Jul 21 RITE AID ENOLA PA Ju127 TM "THE PRICE 15 RIGHT 312-559-1212 CA NEV8108523.52560 Jul 30 Jul 30 A C MOORE ARTS6CRAFT 13 HARRISBURG PA Aug 2 Aug 2 RITE AID ENOLA PA Aug 2 Aug 2 RITE AID ENOLA PA Jul 21 Jul 21 HESS 38285 CAMP HILL PA Jul 14 Jul 14 Jul 16 Jul 16 Jul 24 Ju124 Jul 30 Ju130 PAYPAL *SWITCHFLARE 4029357733 CA SYMANTEC GENERIC WWW MYORD COMMN 242779352 PAYPAL •DIPITYDODAD 4029357733 CA PAYPAL "SENAHJ 4029357733 CA Warehouse Clubs Aug 3 Aug 3 8J'S WHOLESALE HARRISBURG PA 30272958 $ • 165 00 20 00 116 90 53 46 30 00 11 87 32 53 156 50 69 98 44 85 3750 238 28 DISC VER 1i pays to DISC VER AVA 1 SHAFFER Account number ending in 4249 Closing Date: August 12, 2008 page 2 of 2 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current Wing period 31 days Pu a^ 34752 24 0 04655% 16 99% F 16 99% C�c a3g58 $4003 80 0 06299% 22 99% F 22 99% The rates that apply to your Account are either fixed IFI or they may vary IVJ as noled above $68 57 $o $78 18 $0 Questions? Manage your account at Discover.cont or call 1 -800 -DISCOVER (1-800-347-2683). DISC VER New Balance Minimum Payment Due; $8,982/3 $177,00 Payment Due Date October 1 I, 2008 AVA I SHAFFER 105 ARNOLD RD ENOLA PA 17025-2102 Address, e-mail er telephone change2 Print change in space above, or go to Discover corn Print your 0 -mail address to receive important Account information and special offers Account Plumber ending rn 4249 Enter Amount Enclosed Below $f Please make check payable to Discover Card or pay online ra Distovercard com PO BOX 71084 CHARLOTTE NC 28272-1084 000001986618065818689089827300180000017700 Discover More Card Account Summary Closing Date: September 12, 2008 Account number ending rn 4249 Previous Balance Payment Due Dote October 11, 2008 Payments And Credits $177 00 Purchases $9,100 00 Cosh Advances $117 00 Balance Transfers $2,300 00 Finance Charges $23 00 New Balance You may be able to avoid Periodic Finance reverse side for details Minimum Payment Due Credit limn Credit Available Cash Credit Limit Cosh Credit Available page 1 of 1 $9,011 00 18000 + 000 + 0 00 + 0 00 + 151 73 $8,982 73 Charges, see the Cashback Bonus' Cashback Bonus® Since Anniversary Month September $5 68 CONGRATULATIONS) Your Cashback Bonus(Rl is wading for you Vint Discover com circa!! 1-800DISCOVER (1.800.347-2683) to redeem Opening Cashbook Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance $ 39 52 $ 39.52 How Can We Help You? It's your choice - 3 ways to help Please have your Discover Cord available For TDD (assistance for hearing impaired) see reverse side 1 Visit Discover,com to pay your bill for no cost, view your latest Account Information, earn and redeem rewards and more 2 Call 1 -800 -DISCOVER 1347.26831 for fast, easy self-service options or to speak with a Customer Service Account Manager 3 Write us at Discover Card, PO Box 30943, Sall lake City, UT 84130 Transactions Payments and Credits $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. �od Date oto Sop 11 Sep 11 PAYMENT - THANK YOU $ -18000 Finance Charge Summary Average Daily Balances current billing period 31 days $4989 94 2'16N2958 '2958 $4082 73 Doily Periodic Rates 0 04655% 0 06299% Nominal ANNUAL ANNUAL PERCENTAGE PPEERCNTAGE RATE Transaction Panodic Fee FINANCE FINANCE CHARGES CHARGES 1699% F 1699% 72 01 0 22 99% F 22 99% $79 72 $0 The roles that apply lo your Account are either fixed lF) or they may vary IVl as rioted above DISC VER New Balance Minimum Payment Due: Account Number ending in 4249 $9,015,26 $178.00 Enter Amount Enclosed Below AVA 1 SHAFFER 105 ARNOLD RD ENOLA PA 17025-2102 Payment Due Dale November 11, 2008 Please make check payable to Discover Card or pay online @ Discavercard com $F 1 PO BOX 71084 CHARLOTTE NC 28272-1084 Address, e-mail or telephone changee Print change in space above, or go to Discover com Print your e-mail address to receive important Account information and special offers 000001986618065818689090152600190000017800 Discover More Account number ending in Payment Due Date Minimum Payment Due Credit Limit Credit Available Cosh Credit Limit Cash Credit Available Card Account Summary Closing Date: October 12, 2008 Previous Balance 2008 Payments And Credits Purchases Cosh Advances Balance Transfers Finance Charges New Balance 4249 November 11, $17800 $9,100 00 $84 00 $2,300 00 $23 00 page I of 1 $8,982 73 190 00 + 75 00 + 0 00 + 0 00 + 14753 = $9,015 26 You may be able to avoid Periodic Finance Charges, see the reverse side For details Cashback Bonus') Cashback Bonuse Anniversary Month September CONGRATULATIONS' Your Cashback Bonus)R) is waiting for you Visit Discover com or call 1 -800 -DISCOVER (1-800.347-2683) to redeem Opening Cashbook Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance $ 39 52 + 0.18 S 39.70 How Can We Help You? It's your choice - 3 ways to help Please have your Discover Cord available For TDD )assistance For heormg impaired) see reverse side 1 Visit Discover,com lo pay your bill for no cost, viewour latest Account information, earn and redeem rewards and more 2 Call 1-800•DISCOVER 1347-2683) For Fast, easy self-service options or to speak with a Customer Service Account Manager 3 Write us at Discover Cord, PO Box 30943, Salt Lake City, UT 84130 Transactions Payments and Credits Merchandise/Retail $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Post Dore Date Oct 10 Oct 10 PAYMENT - THANK YOU Sep 19 Sep 19 RITE AID ENOLA PA $ -190 00 7500 Finance Charge Summary Average Daily Balances current billing period 30 days C cWa6d858 $$4932 98 4161 89 Doily Periodic Rates 0-04655% 0 06299% Nominal ANNUAL ANNUAL PERCENTAGE PERCENTAGE TERATE Transaction Periodic Fee FINANCE FINANCE CHARGES CHARGES 16 99% V 16 99% $68 88 $0 22 99% F 22 99% $78 65 $0 The rotes that opply to your Account are either fixed IF) or they may vary IVl as noted above 1 DISC VER New Balance $8,963,63 AVA 1 SHAFFER 105 ARNOLD RD ENOLA PA 17025-2102 Minimum Payment Due Account Number ending in 4249 $177.00 Enter Amount Enclosed Below Payment Due Dole December 11, 2008 Please make check payable to Discover Card or pay online © Drscovercord corn PO BOX 71084 CHARLOTTE NC 28272-1084 Address, e-mail ar telephone change Print change in space above, or go to Discover com Print your e-mail address lo receive important Account information and special offers 000001986618065818689089636300200000017700 Discover More Card Account Summary Closing Date: November 12, 2008 Account number ending in 4249 Payment Due Date December 1 I, 2008 Minimum Payment Due $177 00 Credit Limit $9,100 00 Credit Available $136 00 Cash Credit Limit $2,300 00 Cast Credit Available $23 00 Previous Balance Payments And Credits Purchases Cash Advances Balance Transfers Finance Charges + + New Balance page 1 of 1 $9,015 26 200 00 0 00 0 00 0 00 148 37 $8,963 63 You may be able to avoid Periodic Finance Charges, see the reverse side for details Cashback Bonuse Cashback Bonuse Anniversary Month September CONGRATULATIONS] Your Cashback Bonus(R) is waiting for you Visit Discover corn or call 1 800DISCOVER (1-800.347.2683) to redeem Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance $ 3970 + 0,00 $ 39.70 How Can We Help You? 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Post Date Date Nov 10 Nov 10 PAYMENT - THANK YOU •200 00 Finance Charge Summary Average Daily Balances current billing period 31 days Daily Periodic Rates Nominal ANNUAL ANNUAL PERCENTAGE PERCENTAGE RATES RATES Pu c �di�f6o,�e,�2958 $4825 01 0 04381% 15 99% V 15 99% C $4242 60 0 06299% 22 99% F 22 99% The roles that apply to your Account are either fixed IF) or Ihey may vary IV) as noted above Transaction Periodic Fee CHARGES CHARGES $65 53 $0 $82 84 $0 DISC VER New Balance Minimum Payment Due $8,966,72 $177.00 Payment Due Date January 11, 2009 AVA I SHAFFER 105 ARNOLD RD ENOLA PA 17025-2102 Address, e-mail or telephone changefl Print change in space above, or go to Discover corn Print your e-mail address to receive important Account information and special offers Account Number ending in 4249 Enter Amount Enclosed Below Please make check payable to Discover Card or pay online @ Discovercord cam PO BOX 71084 CHARLOTTE NC 28272-1084 000001986618065818689089667200180000017700 Discover More Card Accoun Account number ending in Payment Due Dale Minimum Poymenl Due Credit Limit Credit Available Cash Credit Lim it Cash Credit Available 4249 January 11, 2009 $177 00 $9,100 00 1133 00 $2,300 00 $23 00 t Summary Closing Date: December 12, 2008 Previous Balance Payments And Credits Purchases Cash Advances Balance Transfers Finance Charges New Balance You may be able to avoid Periodic Finance C reverse side for details page 1 of I $8,963 63 180 00 + 39 99 + 000 + 000 4 14310 18,966 72 barges, see the Cashback Bonus" Coshback Bonus® Anniversary Month September . CONGRATULATIONS! Your Cashback Bonus(R) is waiting for you Visit Discover corn or call 1 -800 -DISCOVER (1.800.347-2683) to redeem Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance 1 39 70 + 0.09 1 39,79 How Can We Help You? It's your choice - 3 ways to help Please have your Discover Card available For TDD (assistance For heanng impaired) see reverse side 1 Visit Dis over.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more 2 Call 1 -800 -DISCOVER (347.2683) for fast, easy self.service options or to speak with a Customer Service Account Manager 3 Write us at Discover Card, PO Box 30943, Solt Lake City, UT 84130 Transactions Payments and Credits Merchandise/Retail $0 Fraud Liability Guarantee Use your Discover Card with confidence Pott Date Dec 1 PAYMENT. THANK YOU Nov 18 ONLINE GAMES POGO/EA WWW EA COM CA 66029822 Dr teex. Dec 1 Nov 18 $ -180 00 39 99 Finance Charge Summary Average Daily Balances current billing perrod 30 days Pu c a• $4669 30 C r�$$$ $4324 86 Daily Periodic Rates 00438t% 0 06299% Nominal ANNUAL ANNUAL PERCENTAGE PPEERCNTAGE 15 99% V 15 99% 22 99% F 22 99% The rates That apply to your Account are either fixed )F) or !hey rnay vary (V) as noted above Transaction Periodic Fee FINANCE FINANCE CHARGES CHARGES $61 37 $0 $81 73 $0 DISC VER New Balance $8,995.95 AVA {SHAFFER 105.ARNOLD RD ENOLA PA 17025-2102 Minimum Payment Due: Account Number ending in 4249 $177.00 Enter Amount Enclosed Below Payment Due Date February 1 I, 2009 Address, e-mail or telephone change2 Print change m space above, or go to Discover com Print your e-mail address to receive important Account information and special offers $1 Please make check payable to Discover Card or pay online @ Discovercard cam PO BOX 71084 CHARLOTTE NC 28272-1084 000001986618065818689089959500180000017700 Discover More Card Account Summary Closing Date: January 12, 2009 page 1 of 1 Account number ending in 4249 Previous Balance 38,966 72 Payment Due Date February 11, 2009 Payments And Credits - 180 00 Minimum Payment Due 3177 00 Purchases + 63 00 Credit Limit 39,100 00 Cosh Advances + 000 Credit Available $104 00 Balance Transfers + 000 Cash Credit Limit $2.30000 Finance Charges + 146 23 Cash Credit Available $23 00 New Balance $8,995 95 You may be able to avoid Penodrc Finance Charges, see Ilse reverse side for details Cashback Bonus"' Cashbook Bonuse Anniversary Month September CONGRATULATIONSI Your Cashback Bonus(R) is wading for you Visit Discover com or call 1 -800 -DISCOVER (1.800.347.2683) to redeem Opening Cashback Bonus Balance New Cashback Bonus This Period $ 39 79 0-15 Cashback Bonus Balance $ 39.94 How Can We Help You? Itis your choke - 3 ways to help Please have your Discover Card available For TDD (assistance for hearing impaired) see reverse side 1 Visit Discaver,com to pay your bill For no cost, viewour latest Account information, earn and redeem rewards and more 2 Coll 1.800 -DISCOVER 1347-2683) for fast, easy self service options or to speak wills a Customer Service Account Manager 3 Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions Payments and Credits Government Services $0 Fraud liability Guarantee Use your Discover Card with confidence Trans. Post Dale trate Jan 9 Jan 9 PAYMENT - THANK YOU Dec 24 Dec 24 PA DRIVER/VEHICLE SERV HARRISBURG PA $ .18000 63 00 Finance Charge Summary currentbilhng period 31 days Pculaii2868 Nominal Transaction Average Daily ANNUAL ANNUAL Penodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES $4645 99 0 04175% 15 24% V 15 24% $60 14 $0 $4408 74 0 06299% 22 99% F 22 99% $86 09 $0 The rales that apply to your Account are either fixed (F) or they may vary 1V) as noted above DISC VER New Balance Minimum Payment Due: $9,007,67 S178.00 Payment Due Dale March 11, 2009 AVA 1 SHAFFER 105 ARNOLD RD ENOLA PA 17025-2102 Address, e-mail or telephone changes? Print change m space above, or go to Discover com Print your e -mad address to receive important Account information and special offers Account Number ending in 4249 Enter Amount Enclosed Below $( Please make check payable to Discover Card or pay online © Discovercard com PO BOX 71084 CHARLOTTE NC 28272-1084 000001986618065818689090076700180000017800 Discover More Card Account Summary Account number ending in Payment Due Dale Minimum Payment Due Credit timet Credit Available Cash Credit Limit Cash Credit Available 4249 March 11, 2009 $17800 $9,100 00 $92 00 $2,300 00 $23 00 Closing Date: February 12, 2009 Previous Balance Payments And Credits Purchases Cash Advances Balance Transfers Finance Charges New Balance You may be oble to avoid Periodic Finance reverse side for details page 1 of 1 $8,995 95 18000 + 44 49 + 000 + 0 00 4 147 23 = $9,007 67 Charges, see the Cashback Bonus') Cashback Bonus® Anniversary Month September CONGRATULATIONS! Your Cashback Bonus1R) swatting for you Visit Discover com or call 1 -800 -DISCOVER (1-B00-347-2683110 redeem Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance 39 94 0.11 $ 40,05 How Can We Help You? It's your choice - 3 ways to help Please have your Discover Card available For TDD (assistance for hearing impaired) see reverse side 1 Visit Discover.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more 2 Call 1.800•DISCOVER 1347-26831 for fast, easy self-service options or to speak with a Customer Service Account Manager 3 Write us at Discover Card, PO Box 30943, Salt lake City, IJT 84130 Transactions Payments and Credits Merchandise/Retail $0 Fraud Liability Guarantee Use your Discover Card with confidence TDQ%s. Post Feb 11 Feb 11 PAYMENT - THANK YOU Jan 21 Jan 21 STAPLES 00108274105 HARRISBURG PA $ • 180 00 44 49 Finance Charge Summary Average Daily Balances Daily Periodic Rates current billing period 31 days c a^ PC $4592 74 0 04175% C 2 68 $4495 64 0 06299% Nominal ANNUAL ANNUAL PERCENTAGE RA TENTAGE RATE 15 24% V 15 24% 22 99% F 22 99% The roles that apply lo your Account are either fixed IF) or they may vary (V) as noted above Transaction FINANCE FINANCE CHARGES CHARGES $59 44 $0 $87 79 $0 Income Gap Protection gives you cash when you need it mosi -- when your income is interrupted by involuntary unemployment, disability or family leave of absence Learn how Income Gap Protection can help you Call us today at 1-800.240.1009 DISC VER New BdIMO $8,940.79 $177.00 Minimum Payment Due; Payment Due Dale April 11, 2009 AVA 1 SHAFFER 105 ARNOLD RD ENOLA PA 17025-2102 Address, e-mail or telephone changes' Print change in space above, or go to Discover corn Print your e-mail address to receive important Account information and special offers Account Number ending in 4249 Enter Amount Enclosed Below Please make check payable to Discover Card or pay online @ Discovercard tom PO BOX 71084 CHARLOTTE NC 28272-1084 000001986618065818689089407900200000017700 Discover More Card Account Summary Closing Date: March 12, 2009 Previous Balance Payments And Credits Purchases Cash Advances Balance Transfers Finance Charges New Balance Account number ending Payment Due Dale Minimum Payment Due Credit limit Credit Available Cash Credit Limit Cosh Credit Available in 4249 April 11,-2009 $177 00 $9,100 00 $15900 $2.300 00 $23 00 page 1 of I $9,007 67 200 00 + 000 + 000 + 000 + 133 12 • $8,940 79 You may be able to avoid Periodic Finance Charges, see the reverse side for details Cashback Bonus' Cashback BonusC9 Anniversary Month September CONGRATUTATIONSI Your Cashback Bonus(R) is waiting for you Visit Discover corn or call 1 -800 -DISCOVER (1.800.347.2683) to redeem Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance $ 40 05 + 0.00 $ 40,05 How Can We Help You? It's your choice - 3 ways to help Please -have your Discover Cord available For TDD (assistance for heanng impaired) see reverse side 1 Visit Discover.com to pay your bill for no cost, vie+our latest Account information, earn and redeem rewards and more 2 Call 1 -B00 -DISCOVER 1347.2683) for Fast, easy selhservrce options or to speak with a Customer Service Account Manager 3 Write us al Discover Card, PO Box 30943, Sall Lake City, UT 84130 Transactions Payments and Credits $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Post Date Date Mar 11 Mar 11 PAYMENT - THANK YOU $ -200 00 Information For You ' `ATTENTION" The day of the month that your payment is due will be changing Your now Payment Due Date will be printed at the lop of the remittance coupon on the statement you receive for your billing period that ends after May 1, 2009 Your Payment Due Date will continue to be at least 25 days from the Closing Dale shown on the billing statement Finance Charge Summary Average Daily Balances current billing period 28 days Doily Periodic Rates Pu c a $4477 55 0 04175% C x2958 $4579 93 0 06299% Nominal ANNUAL ANNUAL PE PERPERCENTAGEENTAGE 15 24% V 15240 22 99% F 22 99% The rates that apply lo your Account are either fixed IF) or they may vary (V) as noted above Transaction Penodic Fee FINANCE FINANCE CHARGES CHARGES $52 34 $0 $80 78 $0 DISC VER New Balance Minimum Payment Due: $8,952,14 $177,00 Payment Due Dole May 11, 2009 AVA.I SHAFFER 105 ARNOLD RD ENOLA PA 17025-2102 Address, e-mail or telephone change2 Print change in space above, or go to Discover com Print your email address to receive important Account information and special offers Account Number ending in 4249 Enter Amount Enclosed Below Please make check payable to Discover Card or pay online ' Discovercard com PO BOX 71084 CHARLOTTE NC 28272-1084 000001986618065818689089521400200000017700 Discover More Card Account Summary Closing Date: April 12r 2009 Previous Balance Payments Arid Credits Purchases Cash Advances Balance Transfers Finance Charges New Balance Account number ending Payment Due Date Minimum Payment Due Credit Lime Credit Available Cash Crede Lime Cash Crede Available in A249 May 11, 2009 $17700 $9,100 00 $147 00 $2,300 00 $23 00 page 1 of 2 $8,940 79 200 00 + 63 55 + 000 + 000 e 14780 $8,952 14 You may be able to avoid Periodic Finance Charges, see Ilse reverse side for details Cashback Bonus') Cashback Bonuse Anniversary Month September CONGRATULATIONS' Your Cashback 8onus(R) is wading for you Visit Discover com or call 1 -800 -DISCOVER (1-800.347-2683) to redeem Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance $ 40 05 + 0.15 $ 40,20 How Can We Help You? It's your choice - 3 ways to help Please have your Discover Cord available For TDD [assistance For heanng impaired) see reverse side 1 Visit Discover.com to pay your bill for no cost, viewour toted Account information, earn and redeem rewards and more 2 Call l -800 -DISCOVER 1347.2683) for fast, easy self-service options or to speak with a Customer Service Account Manager 3 Write us at Discover Cord, PO Box 30943, Sall Lake City, UT 84130 Transactions Payments and Credits Government Services SO Fraud Liability Guarantee Use your Discover Card with confidence Trans. Post Date Date Apr 10 Apr 10 PAYMENT - THANK YOU Mar 18 Mar 18 INTUIT *TURBOTAX 800.4468848 CA IG5110029457342 $ -200 00 63 55 Information For You **ATTENTION" The day of the month that your payment is due will be changing Your new Payment Due Date will be printed at the lop of the remittence coupon on the statement you receive For your billing period that ends after May 1, 2009 Your Payment Due Date will continue lo be at leas) 25 days from the Closing Date shown on the billing statement Get the new debit card for leans with parental controls Welt Current(SM) by Discover(R) Card, you can set spending limes, flack card usage and restrict where they shop Introduce your teen lo smart spending habits today' Use Promo Code TM409 by 7/31/09 to gel the first month FREE ($5 value] at CurrenlbyDiscover cam See Web site for details 30272968 1 DISC VER It pays to DISC VER' AVA 1 SHAFFER Account number ending to 4249 Closing Dote: April 12, 2009 page 2 of 2 Finance Charge Summary Nominal Transaction Average Daly ANNUAL. ANNUAL Pendia Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period 31 days Pu�c a. $4380 28 0 04175% 15 24% V 15 24% $56 69 $0 C 1' t �S58 $4665 82 0 06299x; 22 999 F 22 99% $91 11 $0 The rates *hot apply to your Account are either fixed (F) or they may vary (V) as noted above Questions? Manage your account al Discover.com or call 1.800 -DISCOVER (1-800-347-26831. DISC VER New Balance $8,914.76 $176,00 Minimum Payment Duey Payment Due Date June 7, 2009 AVA 1 SHAFFER 105 ARNOLD RD ENOLA PA 17025-2102 Address, -mail or telephone change3 Print change in space above, or go to Discover com Print your e-mail address to receive Important Account information and special offers Account Number ending in 4249 Enter Amount Enclosed Below Please make check payable to Discover Card or pay online @ Discovercard corn PO BOX 71084 CHARLOTTE NC 29272-1084 000001986618065818689089147600180000017600 Discover More Card Account Summary Closing Date: May 12, 2009 Previous Balance Payments And Credits Purchases Cosh Advances Balance Transfers Finance Charges New Balance Account number ending in 4249 Payment Due Date June 7, 2009 Minimum Payment Due $176 00 Credit Limit $9,100 00 Credit Available $185 00 Cash Credit limit $2,300 00 Cash Credit Available $23 00 page 1 of 1 $8,952 14 18000 + 000 + 000 + 000 + 142 62 _ $8,914 76 You may be able to avoid Periodic Finance Charges, see the reverse side for details Cashback Bonus° Cashbook Bonus® Anniversary Month September CONGRATULATIONS! Your Cashback BonuslRl is wolfing For you V1sii Discover com or call 1 -800 -DISCOVER (1.800.347.26831 to redeem Opening Cashbook Bonus Balance New Cashback Bonus Thu Period Cashback Bonus Balance 40 20 + 0.00 $ 40,20 How Can We Help You? It's your choice - 3 ways to help Please have your Discover Card available For TDD (assistance for hearing unpaired) see reverse side 1 Visit Discover.com to pay your bill far no cast, view your latest Account information, earn and redeem rewards and more 2 Coll 1.800 -DISCOVER 1347-2683) for fast, easy oelf-sorvice options or to speak with a Customer Service Account Manager 3 write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions Payments and Credits $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Pod Date Date May 4 May 4 PAYMENT - THANK YOU $ -180 00 Finance Charge Summary Average Doily Balances current billing period 30 days Daily Periodic Rates Nominal ANNUAL ANNUAL PE PERCENTAGE SRATESENTAGE Pu cc a $4210 83 0 04175% 15 24% V 15 24% CWua�� $4756 29 0 06299% 22 99% F 22 99% The rotas that apply to your Account are either fixed IF) or they may vary (V) as noted above Transaction Periodic Foe FINANCE FINANCE CHARGES CHARGES $52 74 $0 $89 88 $0 DISC VER New Balance $8,861.99 AVA 1 SHAFFER 105 ARNOLD RD ENOLA PA 17025-2102 Minimum Payment Due: $175.00 Payment Due Date July 7, 2009 Address, e-mail or telephone change2 Print change in space above, or go to Discover cam Prinl your e-mail address to receive impotent Account information and special offers Account Number ending in 4249 Enter Amount Enclosed Below $( Please make check payable to Discover Card or pay online @ Discovercord com PO BOX 71084 CHARLOTTE NC 28272-1084 0000019866180658)8689088619900200000017500 Discover More Card Account Summary Closing Date: June 12, 2009 Account number ending in 4249 Payment Due Date July 7, 2009 Minimum Payment Due $175 00 Credit Limit $9,100 00 Credit Available $238 00 Cash Credit Limit $2,300 00 Cash Credit Available $23 00 page 1 of 1 Previous Balance $8,914 76 Payments And Credits - 200 00 Purchases + 0 00 Cash Advances + 0 00 Balance Transfers + 0 00 Finance Charges + 147 23 New Balance = $8,861 99 You may be able to avoid Periodic Finance Charges, see the reverse side for details Cashback Bonus' Cashback Bonus® Anniversary Month September CONGRATULATIONS' Your Cashback BonuslRl is waiting for you Visit Discover com or call 1.800 -DISCOVER (1.800.347.2683) to redeem Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance $ 40 20 ± 0.0D $ 40,20 How Can We Help You? It's your choke - 3 ways to help Please have your Discover Cord available For TDD (assistancefor hearing unpaired' see reverse side 1 Visit Discovor.com to pay your bill for no cost, viewour latest Account information, earn and redeem rewards and more 2 Call 1.800 -DISCOVER 1347.2683) for fa01, easy self-service options or to speak with a Customer Service Account Manager 3 Wrtte us at Discover Card, PO Box 30943, Solt Lake City, ItT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Past Dare Date Payments and Credits Jun 1 Jun 1 PAYMENT - THANK YOU $ -200 00 Finance Charge Summary Average Daily Balances current billing period 31 days Pa $4060 15 Cu c a�r6$ $4848 53 Daily Periodic Rates 0 04175% 0 06299% Nominal ANNUAL ANNUAL RATEPERCPERCENTAGE S RATE 15 24% V 15 24% 22 99% F 22 99% The lutes that apply to your Account are either fixed IF) or they may vary iV) ns noted above Transaction Periodic Fee FINANCE FINANCE CHARGES CHARGES $94 68 $0 DISC VER New Balance $8,847.81 AVA I SHAFFER 105 ARNOLD RD ENOLA PA 17025-2102 Minimum Payment Due. $175.00 Payment Due Dale August 7, 2009 Address, e-mail or telephone change Print change in space above, or go to Discover corn Print your e•mad address to receive important Account mformahon and special offers Account Number ending in 4249 Enter Amount Enclosed Below Please make check payable to Discover Card or pay online G Drscovercard cam PO BOX 71084 CHARLOTTE NC 28272-1084 000001986618065818689088478100200000017500 Discover More Card Account Summary Closing Date; July 12, 2009 Previous Balance Payments And Credits Purchases Cash Advances Balance Transfers Finance Charges New Balance Account number ending Payment Due Date Minimum Payment Due Credit Limit Credit Available Cosh Credit Limit Cosh Credit Available in 4249 August 7, 2009 $175 00 $9,100 00 $252 00 $2,300 00 $23 00 page 1 of 1 $8,861 99 200 00 + 42 75 + 000 + 0 00 + 143 07 $8,847 81 You may be able to avoid Periodic Finance Charges, see Ilse reverse side for details Cashback Bonus4) Cashbook Bonust2 Anniversary Month September CONGRATULATIONS' Your Cashback Bonus)R) is waiting for you Visit Discover corn or call 1.800.DISCOVER (1-600.347-2693) to redeem Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance $ 40 20 + 0.10 $ 40,30 How Can We Help You? it's your choice - 3 ways to help Please have your Discover Card available For TDD (assistance for hearing impaired) see reverse side Visit Discover,cam to pay your bill for no cost, view your latest Account informatron, earn and redeem rewards and more 2 Call 1.800 -DISCOVER 1347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager 3 Write us of Discover Card, PO Box 30943, Salt lake City, UT 84130 Transactions Payments and Credits Merchandise/Retail Jun 26 Jun 26 $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Post Date Date Jul 6 Jul 6 PAYMENT • THANK YOU M I HUMMEL CLUB PENNINGTON NJ $ -200 00 4275 Finance Charge Summary Average Daily Balances current billing period 30 days res Cc�c2Q6$ $3966 12 $4942 55 Daily Periodic Rates Nominal ANNUAL ANNUAL PERCENTAGE PERCENTAGE EE 004175;0 152.4oV 15240 0 06299% 22 99% F 22 90% The rates that apply to your Account are either fixed (F) or They may vary IVI as noted above Transaction Periodic Fee FINANCE FINANCE CHARGES CHARGES $49 67 $0 $93 40 $0 DISC VER New Balance Minimum Payment Due: $8,795.67 $173.00 Payment Due Date September 7, 2009 AVA !SHAFFER 105 ARNOLD RD ENOLA PA 17025-2102 Address, a -mod or telephone changee Print change in space above, or go to Discover corn Print your email address to receive important Account information and special offer Account Number ending in 4249 Enter Amount Enclosed Below Please make check payable to Discover Card or pay online @ Discovercard corn PO BOX 71084 CHARLOTTE NC 28272-1084 000001986618065818689087956700200000017300 Discover More Card Account Summary Closing Date: August 12, 2009 page 1 of 1 Account number ending in 4249 Payment Due Dole September 7, 2009 Minimum Payment Due $173 00 Credit limit $9,100 00 Credit Available $304 00 Cosh Credit Limit $2,300 00 Cosh Credit Available $23 00 Previous Balance Payments And Credits Purchases Cosh Advances Balance Transfers Finance Charges New Balance + + $8,847 81 200 00 000 0 00 0 00 147 86 $8,795 67 You may be able to avoid Periodic Finance Charges, see the reverse side for details Cashback Bonin" Cashbock Bonus® Anniversary Month September CONGRATULATIONS! Your Coshback BonuslR) is waiting For you Vrsd Discover com or call 1.800 -DISCOVER (I-800.347.2683) to redeem Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance $ 4030 + 0.00 $ 40,30 How Can We Help You? les your choice - 3 ways to help Please have your Discover Cord available For TDD (assistance for hearing impaired) see reverse side 1 2 3 Visit Discover.com to pay your bill for no cost, view your latest Account Information, earn and redeem rewards and mare Call 1.800 -DISCOVER (347.2683) for fast. easy selfservrce options or to speak with a Customer Service Account Manager Write us al Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. ast Date oto Payments and Credits Aug 4 Aug 4 PAYMENT • THANK YOU $ -200 00 Information For You This month, the featured Cashback Bonus(R) Redemption Partner o Bed Both & Beyand(R( Redeem $20 Cashback Bonus far a $25 Bed Bath & Beyond gift card Finance Charge Summary Average Daily Balances Doily Periodic Rates current bang period 31 days Pu c o,•�g�, $3822 95 0 04175% C /�16a�>S$ $5038 40 0 06299% Nominal ANNUAL ANNUAL PATE NTAGE PERCENTAGE 15 24% V 15 24% 22 99% F 22 99% The roles That apply to your Account are either fixed IF) or they may vary IV) as noted above Transaction Periodic Fee FINANCE FINANCE CHARGES CHARGES $49 48 $0 $9838 S0 DISC VER New Balance Minimum Payment Due, $9,248.30 $212.00 Payment Due Date October 7, 2009 AVA 1 SHAFFER 105 ARNOLD RD ENOLA PA 17025-2102 Address, e-mail or telephone change( Print change in space above, or go to Discover corn Print your e-mail oddress to receive important Account information and special offers Account plumber ending in 4249 Enter Amount Enclosed Below Please make check payable to Discover Card You are overlimitPay the sum of the monthly minimum i30 payment plus the overlimit amount of PO BOX 71084 CHARLOTTE NC 28272-1084 000001986618065818689092483000200000021200 Discover More Card Account Summary Closing Dale: September 12, 2009 4249 Previous Balance October 7, 2009 Payments And Credits $212 00 Purchases $9,100 00 Cash Advances $0 00 Balance Transfers $2,300 00 Finance Charges New Balance Account number ending in Payment Due Date Minimum Payment Due Credit Limn Credit Available Cash Credit Limn Cash Credit Available $0 00 page 1 of 1 $8,795 67 200 00 + 502 04 + 000 + 000 + 150 59 • $9,248 30 You may be able to avoid Penodic Finance Charges, see the reverse side for details Cashback Bonus') Cashback Bonus® Anniversary Month September . CONGRATULATIONS) Your Cashback BonuslR) is waiting for you Visit Discover corn or call 1-800.DISCOVER (1.800.347.2683) to redeem Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance $ 400 ' 0 $ 41.45 How Can We Help You? It's your choke - 3 ways to help Please have your Discover Card available For TDD (assistance for hearing rmpauedj see reverse side 1 Visit Discover,com to pay your bill for no cost, viewour latest Account information, earn and redeem rewards and more 2 Call 1 -800 -DISCOVER (347.2683) for fast, easy self-service options or to speak with a Customer Service Account Manager 3 Write us of Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions Payments and Credits Other/Miscellaneous Services Medical Services $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Post Date Date Sep 4 Sep 4 PAYMENT - THANK YOU '$ -200 00 Sep 12 Sep 12 OVERLIMIT FEE 39 00 Sep 8 Sep 8 PANACHE HARRISBURG PA 13004 Aug 14 Aug 14 MOFFITT HEART & VASCULAR WORMLEYSBLIRG PA 170 00 Sep 8 Sep 8 THE ARLINGTON GROUP HARRISBURG PA 163 00 Finance Charge Summary Average Daily Balances current billing period 31 days Daily Periodic Rotes Nominal ANNUAL ANNUAL PATE NTAGE PARENTAGE R Transection Periodic Fee FINANCE FINANCE CHARGES CHARGES Pu c a $3884 30 0 04175% 15 24% V 15 24` , $50 27 $0 C �> 2958 $5137 71 0 06299%22 99 F 22 99% $100 32 $0 The rales that apply to your Account are either fixed (Ft or they may vary IV) as haled above DISC VER New Balance Minimum Payment Due Account Number ending in 4249 $9,211.84 5211.00 Enter Amount Enclosed Below Payment Due Dole November 7, 2009 AVA 1 SHAFFER 105 ARNOLD RD ENQLA PA 17025-2102 Address, email or telephone changee Print change in space above, or go to Discover com Print your e-mail address to receive important Account information and special offers Please make check payable to Discover Card You ore overlimrl Pay the sum of the monthly minimum payment plus the overlimit amount of $Ill 84 PO BOX 71084 CHARLOTTE NC 28272-1084 000001986618065818689092118400225000021100 Discover More Card Account Summary Account number ending rn Payment Due Date Minimum Payment Due Credit Limit Credit Available Cosh Credit limit Cosh Credit Available 4249 November 7, 2009 $211 00 $9,100 00 $0 00 $2,300 00 $0 00 Closing Date: October 12, 2009 Previous Balance Payments And Credits Purchases Cosh Advances Balance Transfers Finance Charges New Balance page 1 of 1 $9,248 30 225 00 + 3900 + 000 + 000 4 149 54 $9,211 84 You may be able to avoid Periodic Finance Charges, see the reverse side for details Cashback Bonus' Cashback Bonuses Anniversary Month September CONGRATULATIONS! Your Cashback BonuslR) is waiting for you Visit Discover com or call 1 -800 -DISCOVER (1.800.347-2683) to redeem Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance $ 41 45 + 0.00 $ 4145 How Can We Help You? it's your choice - 3 ways to help Please have your Discover Cord available For TDD (assrsiance for hearing impaired) see reverse side 1 Visit Discover.com to pay your bill for no cost, vier your latest Account information, earn and redeem rewards and more 2 Call 1.800 -DISCOVER 1347.2683) for fast, easy self-service options or to speck with a Customer Service Account Manager 3 Write us of Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions Payments and Credits Other/Miscellaneous $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Date Post Date Oct 7 Oct 7 PAYMENT • THANK YOU Oct 12 Oct 12 OVERIIMIT FEE $ .225 00 39 00 Finance Charge Summary Average Daily Balances Doily Periodic Rates Nominal ANNUAL ANNUAL PE E NTAOE PERCENTAGE ATE Transaction Periodic Fee CHARGES CHARGE current billing period 30 days Pu c a,,{{� $4038 27 0 04175% 15 24% V 15 24% $50 57 $0 C i�fL2968 $5237 33 0 06299% 22 99% F 22 99% $98 97 $0 The roles that apply to your Account are either fixed (F) or they may vary V) as noted above DISC VER New Balance $9,180.74 AVA 1 SHAFFER 105 ARNOLD RD ENOLA PA 17025-2102 Minimum Payment Due. $215.00 Payment Due Dale December 7, 2009 Address, e-mail or telephone chrnigett Print change in space above, or go to Discover cam Print your e-mail address to receive important Account information and special offers Account Number ending in 4249 Enter Amount Enclosed Below sr Please make check Flyable to Discover Card You are overlimd Pay the sum of the monthly minimum payment plus the overlimit amount of $80 74 PO BOX 71084 CHARLOTTE NC 28272-1084 000001986618065818689091807400000000021500 Discover More Card Account Summary Closing Date: November 12, 2009 Account number ending in 4249 Payment Due Date December 7, 2009 Minimum Payment Due $215 00 Credit Limn $9,100 00 Credit Available $0 00 Cash Credit Limit $2,300 00 Cash Credit Available $0 00 Previous Balance Payments Arid Credits Purchases Cash Advances Balance Transfers Finance Charges New Balance page 1of1 $9,211 84 30300 + 11800 + 0 00 + 0 00 + 15390 $9,180 74 You may be able to avoid Penodre Finance Charges, see the reverse side for details Cashback Bonus° Cashback Bonus8 Anniversary Month September CONGRATULAT(ONSI Your Cashbook Banus1111 is waiting for you Visit Discover com or call 1.800 -DISCOVER (1-800.347-26831 to redeem Opening Cashbook Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance $ 41 45 ▪ 0.19 $ 41.64 How Can We Help You? Iris your choke - 3 ways to help Please have your Discover Cord available For TDD (assistance for hearing impaired) see reverse side 1 Vint Discover.com to pay your bill for no cost, view your latest Account informatron, earn and redeem rewards and more 2 Call 1 -800 -DISCOVER (347.26831 for fast, easy self-service options or to speak with a Customer Service Account Manager 3 Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions Payments and Credits 011ier f Miscellaneous Services $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans, Post Date Date Od 30 Oci 30 PHONE PAYMENT • THANK YOU Nov 12 Nov 12 OVERLIMIT FEE Nov 3 Nov 3 PANACHE HARRISBURG PA $ -303 00 39 00 79 00 Finance Charge Summary Average Daily Balances current bulling period 31 days Daily Periodic Rater Nominal ANNUAL ANNUAL PA RSEJTAGE PERCENTAGE e Puc$383621 004175% 1524uV 1524% C � 2&58 $5338 90 0 06299% 22 99% F 22 99% The rales that apply to your Account are oder fixed (F) or they may vary UVJ as noted above Transaction FINANCE FINANCE CHARGES CHARGES $49 65 $0 $104 25 $0 Discover (R) gift cords make easy holiday gifts Now save' $2 on the purchase fee of each gift card - plus get FREE shipping Personalize gift cards .with names and messages Many have matching greeting cards! Save through 12/31/09 -- enter GIFT4 at DiscoverGiflCard com DISC VER New Balance $9,154.60 AVA l SHAFFER 105 ARNOLD RD ENOLA PA 17025-2102 Minimum Payment Due: $211.00 Payment Due Date January 7, 2010 Address, e-mail or telephone change Print change in space above, or go to Discover tom Print your e-mail address to receive important Account information and special offers Account Number ending to 4249 Enter Amount Enclosed Befow Please make check payable to Discover Card You ore overlimit Pay the sum of the monthly minimum payment plus the overlimit amount of $54 60 PO BOX 71084 CHARLOTTE NC 28272-1084 000001986618065818689091546000000000021100 Discover More Card Account Summary Closing Date: December 12, 2009 Previous Balance Payments And Credits Purchases Account number ending in 4249 Payment Due Date January 7, 2010 Minimum Payment Due $211 00 Credit Limit $9,100 00 Credit Available $0 00 Cash Credit Limit $2,300 00 Cash Credit Available $0 00 Cash Advances + Balance Transfers + Finance Charges New Balance You may be able b avoid. Periodic Finance Charges, see the reverse side br details page 1 of 1 $9,180 74 215 00 39 00 0 00 0 00 149 86 $9,154 60 Cashback Bonus') Cashback Bonus® Anniversary Month September CONGRATULATIONS' Your Cashback BonusIR) awaiting for you Visit Discover com or cull 1 -800 -DISCOVER {1.800.347-2683( to redeem Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance 8 4164 + 0.00 $ 41,64 How Can We Help You? It's your choice - 3 ways to help Please have your Discover Card available For TDD lassistance for heanng impaired) see reverse side 1 Visit Discaver,com to pay your bill for no cost, view your latest Account information, earn aiul redeem rewards and more 2 Call 1-800•DISCOVER 1347-2683) for fast, easy sell•service options or to speak with a Customer Service Account Manager 3 Write us at Discover Card, PO'Box 30943, Salt Lake City, UT 84130 Transactions Payments and Credits Other/Miscellaneous $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. �ost Date ate Dec 5 Dec 5 INTERNET PAYMENT - THANK YOU Dec 12 Dec 12 OVERUMIT FEE $ -215 00 39 00 Finance Charge Summary Average Daily Balances current billing.panod 30 days Daily Periodic Rates Pis cy�a��{$3753 48 0 04175% X958 $5442 42 0 06299% Nominal ANNUAL ANNUAL PERCENTAGE PERCENTAGE RATES Transaction Periodic Fee FINANCE FINANCE CHARGES CHARGES 15 24% V 15 2490 47 01 0 22 999 F 22 99% $102 85 $0 The rates that apply to your Account are either fixed IF) or they may vary IV) as noted above Discover(R) gift cards make easy holiday gifts Now save $2 on the purchase fee of each gift card - plus get FREE shipping Personalize gift cards with names and messages Many have matching greeting cards) Save through 12/31/09 -- enter GIFT4 al DiucoverGifiCard corn DISC VER New Balance Minimum Payment Due. $9,059.65 $179.00 Payment Due Date February 7, 2010 AVA !SHAFFER 105 ARNOLD RD . ENOLA PA 17025-2102 Address, e-mail or telephone changee Print change in space above, or go to Discover com Print your eanad address to receive important Account Information and special offers Account Number ending in 4249 Enter Amount Enclosed Below Please make check payable to Discover Card ar pay online Discovercard com PO BOX 71084 CHARLOTTE NC 28272-1084 000001986618065818689090596500250000017900 Discover More Card Accoun Account number ending in Payment Due Date Minimum Payment Due Credit Lrmd Credit Available Cash Credit Limit Cosh Credit Available 4249 February 7, 2010 $17900 $9,100 00 $40 00 $2,300 00 $23 00 t Summary Closing Date: January 1 Previous Balance Payments And Credits Purchases Cash Advances Balance Transfers Finance Charges New Balance 2, 2010 page 1 of 1 $9,154 60 250 00 + 000 + 0 00 + 000 + 155 05 $9,059 65 You may be able to avoid Periodic Finance Charges, see the reverse side far details Cashback Bonus" Cashback Bonus® Anniversary Month September CONGRATULATIONS' Your Cashback Bonus(R) is wading kr you Visit Discover com or call 1-800D15COVER (1-800.347.26B3) to redeem Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance $ 4164 + 0.00 $ 41.64 How Can We Help You? It's your choice - 3 ways to help Please have your Discover Card available For TDD (assistance for heanng impaired) see reverse side 1 Visa Discover.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more 2 Call 1.800 -DISCOVER (347.2683) For fast, easy self-service options ar to speak with o Customer Service Account Manager 3 Write us at Discover Card, PO Box 30943, Salt Lake City, IJT 84130 Transactions Payments and Credits $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Date Jan 4 Jan 4 PAYMENT - THANK YOU Date $ -250 00 Finance Charge Summary Average Doily Balances current billing period 31 days Prclha $3609 19 Cu31O1 958 $5547 96 Daily Periodic Rates Nominal ANNUAL ANNUAL PARENTAGE PPERCENTAGE TES Periodic FINANCE CHARGES Transaction FINANCE CHARGES 0 04175% 15 24% V 15 24% $46 72 $0 0 06299% 22 99% F 22 99% $108 33 $0 The rates that apply to your Account are either fixed IF) or they may vary IV) as noted above DISC VER New Balance $9,014.06 AVA 1 SHAFFER 105 ARNOLD RD ENOIA PA 17025-2102 Minimum Payment Due, $178.00 Payment Due Dote March 7, 2010 Address, e-mail or telephone clanger Go to www.Discovercam or print change In space above Account Number ending in 4249 Enter Amount Enclosed Below Please pay online @ www Discover corn or make check payable to Discover PO 80X 71084 CHARLOTTE NC 28272-1084 000001986618065818689090140600200000017800 Opening Date: January 13, 2010 - Closing Date: February 12, 2010 Discover More Card Account Summary Account number ending in 4249 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Finance Charges Other Fees t New Balance See Finance Charge Summary section for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $9,059 65 200 OD .1- 000 + 0 00 + 000 + 15441 + 0 00 $9,014 06 following transactions $9,100 00 $85 00 32,300 00 $23 00 You may be able to avoid Periodic Finance Charges, see the reverse side for details r See transaction detail for a description of any fees charged Cashback Bonus' Opening Cashback Bonus Balance New Cashback Bonus This Period + 0 DO Cashback Bonus Balance $ 41,64 to kern more ins in of www.Discnver.com and sdeci Rewards Anniversary Month September 41 64 3 Easy Ways to Contact Us 1 Access your account securely of www.Discovencom 2 Call 1.800•DISCOVER (1.800-347.2683) Please have your Discovery card available 3 Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 For TOD (fetecommunicotians Device for the Deaf) assistance, please call 1.800347-7449 page 1 of 2 Payment Information New Balance $9,014 06 Minimum Payment Due $178 00 Payment Due Dote March 7, 2010 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a kite fee of up to $39 00 and your purchase APRs for new transactions may be increased up to the Default APR of 20 24% variable Minimum Payment Warning: IF you make only the minimum payment each period, you will pay more in mlerest and it will take you longer to pay off your balance For example If yarn make no additional tfrorges using this card and eanh month you pay, You will pay off the balance shown an this slaternerit in about . And you will end up paying en esii:mafed total of Only the minimum payment 26 years $23,603 $336 3 years $12,082 (Savings = $11,521 ) f you would Tike 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 lo creole o plan to pay down your balance, securely access stotements, pay bilk online and easily track all transactions Moke your money worth rnoresm—find easy ways to earn and redeem cash rewards NE WI Access your account securely through your mobile phone Transactions Payments and Credits 30272958 Trans. Past Dale Date Feb 1 Feb 1 PAYMENT • THANK YOU -200 00 See reverse side DISCOVER' DISC VER Ii pays to DISC VER AVA I SHAFFER Account number ending in 4249 page 2 or 2 Finance Charge Summary current billing period 31 days Purchases Cash Advances V . Variable Rate Nominal Other Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES $3,407 87 004175% 15 24% V 15 24% $44 10 $0 $5,649 17 0 06299% 22 99% 22 99% $110 31 $0 Information For You Notwithstanding the payment due dale on This statement, if you paid the New Balance on your previous billing statement by the Payment Due Date shown on thot billing statement, we will not impose Panodic Finance Charges on new purchases first appearing on this billing statement, or any portian of a new purchase, paid within 25 days of the Closing Date on this billing statement 30272958 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER 11.800-317-2683). DISCOVER: DISC VER New Balance .$8,953.32 AVA 1 SHAFFER 105 ARNOLD RD ENOLA PA 17025-2102 Minimum Payment Due- $177.00 Payment Due Dote April 7, 2010 Address, email or telephone change2 Go to www.Discover.cem or print change in space above Account Number ending in 4249 Enter Amount Enclosed Below Please pay online ® www Discover cam or make check payable to Discover PO BOX 71084 CHARLOTTE NC 28272-1084 000001986618065818689089533200200000017700 Opening Date: February 13, 2010 - Closing Date: March 12, 2010 Discover More Card Account Summary Account number ending in 4249 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Finance Charges Other Fees 1 New Balance See Finance Charge Summary seehon For detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $901406 200 00 + 0 00 + 0 00 + 0 00 + 139 26 + 0 00 $8,953 32 following transactions $9,100 00 $14600 $2,300 00 $23 00 You may be able lo avoid Periodic Finance Charges, see the reverse side for details TSee transaction detail for a description of any fees charged Cashback Bonus' Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance Anniversary Month September $ 41 64 + 0 00 $ 41,64 To learn mare leg tri at www.Discover.com end select Rewords 3 Easy Ways to Contact Us 1 Acceas your account securely at www.Discover.com 2 Call 1.000 -DISCOVER (1.800.347-2683) Please hove your Discover* cord available 3 Write to us at Discover, PO Box 30943, Solt Lake City, UT 84130 ForTOD (Telecommunications Device for the Deaf) assistance, please call 1.800.347.7449 page 1 of 2 Payment Information New Balance $8,953 32 Minimum Payment Due $177 00 Payment Due Date April 7, 2010 Late Payment Warning: lFwe do not receive your minimum payment by the dote listed above, you may have to pay o late fee of up to $39 00 and your purchase APRs for new transactions may be increased up to the Default APR of 20 24% variable Minimum Payment Warning: IFyou 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 IFy'ou Make rho ' additional charges using this Card and each month you pay You will payoff :the belaece shown on this 6iQlemeri..F In.a.boet .And you 'Will end up paying nn •estrtnofed Iola] of , Only the minimum payment 53 years $59,740 $334 3 year. $12'017 (Savings = $47,723 ) 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 o plan 10 pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth more5m—findeasy ways to earn and redeem cash rewards NE WI Access your account securely through your mobile phone Transactions Payments and Credits 30272958 Trans. Past Date Date Mar 1 Mar 1 PAYMENT - THANK YOU $ -200 00 See reverse side DISCOVER DISC VER° it pays to DISC VER' AVA I SHAFFER Account number ending in 4249 page 2 of 2 Finance Charge Summary Nominal Other Average Daily ANNUAL ANNUAL Periodic Fee Doily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE current billing period 28 days Balances Rates RATES RATES CHARGES CHARGES Purchases $3,263 03 004175% 15 24% V 15 243, $38 15 $0 Cash Advances $5,732 58 0 06299% 22 99% 22 99% $101 11 $0 V r Variable Rale Information For You You're going places Make sure your savings ore, too Discover Bank provides the stability you want, rales That hove consistently beat the notional average, and security through FDIC insurance, up to $250,000 per account Open a CD, IRA -CD, or Money Market account at DiscoverBank com or by phone al 1-888.728-3212 Please mention code MSG0310 Go paperless and make your account information more secure with password -protected statements only you can access Learn more at discover com/paperless 30272958 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347.26831, DISCOVER DISC VER New Balance $8,927.62 AVA I SHAFFER 105 ARNOLD RD E NOLA PA 17025-2102 Minimum Payment Due: $176.00 Payment Due Date May 7, 2010 Address, e-mail or telephone change2 Go to www.Discover.com or print change In space above Account !slumber ending in 4249 Enter Amount Enclosed Befow Pay online al www Discover corn or make check payable to Discover Phone and Internet payments must be made by 5 OOpm ET kr same day posting PO BOX 71084 CHARLOTTE NC 28272-1084 000001986618065818689089276200180000017600 Opening Date: March 13, 2010 - Closing Date: April 12, 2010 Discover More Card Account Summary Account number ending in 4249 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Finance Changes Other Fees New Balance See Finance Charge Summary section or detailed APR information Credit Line Credit Line Available Cash Advance Credit Line. Cash Advance Credit Line Available $8,953 32 18000 + 0 00 + 000 + 0 00 + 154 30 • 0 00 $8,927 62 fallowing transactions $9,100 00 $17200 $2,300 00 $23 00 You may be able lo avoid Panodic Finance Charges, nee the reverse side for details r.ee transaction detail for a descnption of any fees charged Cashback Bonusn Opening Cashback Bonus Balance New Cashback Bonus This Period Anniversary Month September $ 41 64 * 0 00 Cashback Bonus Balance $ 41.64 to warn more tog earwww,Discaver.comand retecrRewards 3 Easy Ways to Contact Us 1 Access your account securely at www,Discovencom 2 Call 1.800 -DISCOVER (1.800-347.2683) Please hove your Discover0card available 3 Write to us at Discover, PO Box 30943, Sort lake City, UT 84130 Far TDA (Teleoommunicatrons Device for the Deaf) assistance, please call 1.800.347.7449 page 1 of 2 Payment Information New Balance $8,927 62 Minimum Payment Due $176 00 Payment Due Date May 7, 2010 Late Payment Warning: If we do not receive your minimum payment by the dale listed above, you may have to pay a late fee of up to $39 00 and your purchase APRs For new transactions may be Increased up to the Default APR of 20 24% 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 I tyou ma a no ad.dittonal charges using this card and each month you pay :You wtll pay off The. balance Shawn ;on this staterneat In abort .And you ,.v111 end vp:payiri9 un esirms9led total of , Only the mutrmurtr payment 53 years $59,537 $333 3 years $12,001 Savings = $47,536 ) 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 Poydown Planner lo create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth moresm—fad easy ways to earn and redeem cash rewards NEWI Access your account securely Through your mabile phone Transactions Payments and Credits 30272958 Trans. Post Date Date Apr 1 Apr 1 PAYMENT - THANK YOU •I8000 See reverse side DISCSVER DISC VER It pays io DISC VER' AVA I SHAFFER Account number ending in 4249 page 2 of 2 Finance Charge Summary current billing period 31 days Purchases Cash Advances V - Variable Rate Nominal Other Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES $3,132 18 0 04175% 15 24% V 15 24% $40 53 $0 $5,826 18 0 06299% 22 99% 22 99% $113 77 $0 Information For You Share money, not your credit kne Quickly share pending money with those who rely on you The Current(SM) by Discover(R) debit card hos customizable spending limits & $0 fraud liability so teens can't overspend or Iaae their cash Fiat month FREE (up to a $15 value) with Promo Code SM410 at CurrentbyDiscover com Offer expires 5/31/10 30272968 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER Ii DISC VER Now Balance $8,897.49 AVA [SHAFFER 105 ARNOLD RD ENOLA PA 17025-2102 Minimum Payment Due Account Number ending in 4249 $175.00 Enter Amount Enclosed Below Payment Due Date June 7, 2010 Address, e-mail or telephone change2 Go to www.Discaver.tom or print change to space above 1 Pay online at www Discover com or make check payable la Discover Phone and Internet payments must be mads by 5 OOpm ET for same day posting PO BOX 71084 CHARLOTTE NC 28272-1084 00000198661806581868908897,4900180000017500 Opening Date: April 13, 2010 - Closing Date: May 12, 2010 Discover More Card Account Summary Account number ending in 4249 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Finance Charges Other Fees New Balance See Finance Charge Summary section For•delailed APR information Credal line Credit tine Available Cash Advance Credit Lure Cash Advance Credit Line Available $8,927 62 180 00 + 0 00 + 0 00 t 0 00 + 14987 + 0 00 $8,897 49 following transactions $9,100 00 $202 00 $2,300 00 $23 00 You may be able lo avoid Periodic Finance Charges, see the reverse side for details r'See transaction detail for a description of any fees charged Cashback Bonusr' Opening Cashback Bonin Balance New Cashback Bonus This Period Anniversary Month September $ 41 64 + 0 00 Cashback Bonus Balance $ 41.64 fa lean mare in ro of www.Disrover.com oad select Rewords 3 Easy Ways to Contact Us 1 Access your account securely al www.Discover,com 2 Call 1-800-DISCOVER'(1.800.347-2683) Please have your Discover* card available 3 Write bus of Discover, PO Box 30943. Salt Lake City, UT 84130 For TDD (Telecommunications Device for the Deaf) assistance, please call 1.800.347.7449 age 1 of 2 Payment Information New Balance $8,897 49 Minimum Payment Due $175 00 Payment Due Dote June 7, 2010 Late Payment Warning: If we do not receive your minimum payment 6y the date listed above, you may have to pay a kite fee of up to $39 00 and your purchase APRs for new transactions may be increased up to the Default APR of 20 24% 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 l you ma a no additional charges osrpgihl: rod and each month you pay You will pay off ape balance shown ;on this, out inotit :1p about find 'au mill end up paying an s,trmafed fo181 9i , Only the minimum payment 53 years $59,329 $333 3 veer- ' $11,978 Savings = $47,351 ) f you would like information about credit counseling services, call 1-800-347-1121 Manage Your Account Online at www,Dlscover.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 30272988 Trans. Post Date Date May 4 May 4 PAYMENT • THANK YOU $ -180 00 See reverse side MOWER' DISC VER h trays to DISC !IR' AVA I SHAFFER Account number ending in 4249 pose 2 of 2 Finance Charge Summary Nominal Other Average Daily ANNUAL ANNUAL Periodic Fee Doily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE current bllttng pend 30 days Balances Rates RATES RATES CHARGES CHARGES Purchases Cosh Advances V . Variable Rate 30272958 $3,010 00 0 04175% 15 24% V 15 24% $37 70 $0 $5,936 09 0 06299% 22 99% 22 99% $112 17 $0 Questions? Visit www.Discover.com or calf 1 -800 -DISCOVER (1-800-347.2683). DISC•VER DISC VER New Balance Minimum Payment Duey $9,020.31 $178.00 Payment Due Date July 7, 2010 AVA I SHAFFER 105.ARNOLD RD ENOLA PA 17025-2102 Address, e-mail or telephone change2 Go to www,Discover.com or print change in space above Account (slumber ending in 4249 Enter Amount Enclosed Below Pay online of www Discover corn or make check payable to Discover Phone and Internet payments must be made by 5 OOpm ET for same day posting POBOX 71084 CHARLOTTE NC 28272-1084 000001986618065818689090203100000000017800 Opening Date: May 13, 2010 - dosing Date: June 12, 2010 Discover More Card Account Summary Account number ending in 4249 Previous 8atance Payments And Credits Purchases Balance Transfers Cash Advances Interest Charged Fees Charged New Balance $8,897 49 17500 + 140 52 + 0 00 + 0 00 + 157 30 + 0 0D $9,020 31 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cosh Advance Credit Line Cash Advance Credit Line Available $9,100 00 $74 00 $2,300 00 $23 00 You may be able to avoid Interest Charges, see Additional Important Information for details Cashback Bonus° Anniversary Month September Opening Cashback Bonus Balance $ 41 64 New Cashback Bonus This Period + 0 35 Cashback Bonus Balance $ 41.99 ru Suinn mare inu in alwww.01 cover.com 3 Easy Ways to Contact Us 1 Access your account securely at www,Discover.cem 2 Call 1.8004DI5COVER 11.800.347.2683) Please have your Discover® card available 3 Write to us at Discover PO Box 30943, Solt Lake City, UT 841x30 (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 $9,020 31 Minimum Payment Due $178 00 Payment Due Date July 7, 2010 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have lo pay a Tote fee of up to $39 00 and your purchase APRs for new transactions moy be increased up to the Penalty APR of 20 24% 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 lryoii make'no additional charges using 'hit,' card and each month you pay 'You will pay off :the. baktoee shown ;an ihis statement :In a:boyt And you will end • up paying an eetrr-nate51 tafpl of , . Only the minimum payment 54 years $60,801 $337 3 ye Yew.' $12,)49 Savings = $48,652 ) f you would like informatran about credit counseling services, call 1-800-347-1121 Manage Your Account Online at www.Discaver.com Access free online tools like Paydown Planner la create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth morel's ---find easy ways to earn and redeem cash rewards NEW' Access your account securely through your mobile phone Transactions Trans. Post Data Date Payments and Credits .tun 7 Jun 7 PHONE PAYMENT - THANK YOU $ -175 00 Travel/Entertainment May 14 May 14 WDW DINE TICKETS L B V FL WALT DISNEY WORLD RESORT R 11,43455 F3©272958 ees $ 14052 TOTAL FEES FOR THIS PERIOD $ 0,00 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC•VER Paperless statements mean Tess clutter, more convenience Easily occess up to 24 months of downloadable, password protected statements • See your statement as soon as 1I's available rather than wa11 for it la arrive in your mailbox. • Gel helpful payment reminders Ihrough email or text messages on your mobile phone • Print a paper copy of your statement anytime • Sign up today at Discover.com/paperless 8.2010 Disrom Boni !Amber FrYC PAPER 0910 Transactions (cont.) Interest Charged Trans. Post Aare Dale INTEREST CHARGE ON PURCHASES $ 39 19 INTEREST CHARGE ON CASH ADVANCES 118 11 INTEREST CHARGE ON BALANCE TRANSFERS 000 TOTAL INTEREST FOR THIS PERIOD 157.30 2010 Totals Year -to -Date TOTAL FEES CHARGED IN 2010 TOTAL INTEREST CHARGED IN 2010 30272958 0 00 910 19 QUeStions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER DISC VER 11 pays to DISC VER AVA I SHAFFER Account number ending in 4249 page 2 of 2 Interest Charge Calculation YoureAnnual Percentage Rate (APR) is the annual interest rate on your account Current Billing Period: 31 days TYPE OF BALANCE AANNUAL PERCENTAGE BALANCE T SUBJECT TO Purchases 15 24% V $3,027 26 Cash Advancer 2299% $.6,048 37 V = Variable Rate INTEREST CHARGE $39 19 $118 11 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 cit Discover, PO Box 30421, Salt Lake City, UT 84130.0421 In your letter, give us the following information Acegenl mfiermeteen Your name and account number Dollar amount The dollar amount of the suspected error Pescrrptjan of Prekeen 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 dogs after the error appeared an your statement You must notify us of any potential errors in writing You may call us, but 4 you do we are not required to investigate any potential error and you may have to pay tiKie 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 queshon 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 opply any unpaid amount against your credit limit Your Rights If rail Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, all of the following must he true 1 The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50 (Note Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services ) 2 You must hove 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 to writing at Discover, PO Box 30945, Salt Lake City, UT 84 130-0945 While we inveshgate, 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 pad of your Account balance at any time However, you must pay of least the Minimum Payment Due by Ibe Payment Due Dote Send only your payment and the top portion of this statement in the envelope provided Do not send cosh By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction If payment is processed es an electronic fund transfer, the transfer will be for the amount of the check When we use Information from your check to make on electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check buck from your financial instnuhon The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, 4 you send the payment to any other address or d 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 30272958 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 dale (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 the 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 10 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 to 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 low You con set automatic payments for (t) statement New Balance, (n) statement Minimum Payment Due, {in) statement Minimum Payment Due plus a fixed dotter amount, or (iv) a fixed dollar amount If your scheduled fixed payment us not enough to cover the Minimum Payment Duo as listed on your monthly billing statement, your scheduled payment for than 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 I Fyour scheduled payment is greeter 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 automahc payment service, please fill•in the following blanks below and retain the authorization for your records 0 Amount 0 Full Pay ❑ Min Pay Min Pay + $ 17 Fixed Pay$_ Bank Routing # , Bank Account # , Frequency Credit -Reporting. We may report rnFormatron about your Account to credit bureaus Late payments, missed payments, or other defaults an your.Account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporhng agencies each month IF you believe that our report is inaccurate or incomplete, please write us at the following address Discover, PO Box 15316, Wilmington, DE 19850.5316 Please indicate your name, address, home telephone number and Account number Paying Interest We begin to Impose Interest Charges on all transactions from the Transaction Dote for the transaction shown an your billing statement, unless a transaction is posted to your Account alter the close of the billing period in which t occurs, in which case we begin to impose interest charges on that transaction from the first day of the bilking period in which a is posted to your Account We continue to impose Interest Charges until the dale you pay your entire New Balance shown on your billing statement by making payments or receiving credits If you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose Interest Charges on new purchases, that is, purchases first appearing on the currant billing statement, or wiz portion of a new purchase, paid by the Payment Due Date on your current billing statement We call this the "grace period II is not fess than 25 days Thera is no grace period on balance transfers or cash advances As more fully described in the section of your Cardmember Agreement titled "How We Apply Payments," we generallyapply payments lo your Account based on the APR applicable to the balance of each transaction category This means that it you do not pay the New Balance on the current billing statement by the Payment Due Date shown on that billing statement, then, depending on the amount of your payment and the APRs on other balances, you may not ger a grace period on new purchases Annual Fee. If your Account has an annual lee, it will be billed at the beginning of each anniversary year your Account is open The amount of the fee appears on the statement when the lee is billed The annual fee is not refundable unless you notify us that you wish to close your Account within 30 days of the mailing or delivery dote of the statement on which the fee is billed You will receive this refund even ti you use your Cord during that period How We Calculate Interest Charges • Daily Balance Method 'including current transactions): We figure Interest Charges for each billing period To do this We calculate your Interest Charges separately for each balance sublect to different terms (for example, standard purchases, standard cash advances and each purchase, balance transfer and cash advance balance sublect to promotional terms) We refer to these balances cis transaction categories We figure the "doily balance" for each transaction category To get the "daily balance" we take the beginning balance for each day, add any newtransactions and fees and any Interest Charges accrued on the previous day's daily balance We then subtract any credits and payments and make other adjustments (indudingthose adjustments required in the section titled "Paying f Merest") In celculahng the daily balance for the first day of the billing period, we consider the "previous day's daily balance" to have been your balance on the last day of your previous biting period This gives us the daily balance for each transaction category We Figure the interest Charges on your Account by multiplying the daily balance for each transaction category by its deify periodic rate, For each day in the billing period The total Interest Charges for the billing period are the sum of the daily Interest Charges For each transection category for each day during that billing period When we calculate daily balances, we odd a new transaction as of the Tronsadhon Date shown on your billing statement, unless the transaction is posted to your Account after the close of the bill?g period in which d occurs, in which case the transaction will be added to the doily balance as of the first day of the b�tling period in which lis posted to your Account All fees charged to your Account are added to the standard purchase transaction category with the exception af Cash Advance Fees which are added to the applicable cash advance transaction category and Balance Transfer Fees which are added to the applicable balance transfer transaction category Credit Balances. If your Account has a credit balance, the amount is shown on the front of your bilking statement A credit balance is money that is owed to you You may maks charges against this amount if your Account is open We will send you a refund of any remaining balance of $1 001or more offer 6 months, or as otherwise required by applicable law For TDD (Tetecemmunicatiens Device for the NA assistance, please can 1.800.347.7449, Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes The Discover'ncard rs Issued by Discover Bank, Member FDIC onswz 30272958 Questions? Visit www.Discaver.com or coil 1.800 -DISCOVER (1-B00-347-2684 DISCOVER DISC VER New Balance Minimum Payment Duey $8,993.05 $177,00 Poymenl Due •Date August 7, 2010 AVA !SHAFFER 105 ARNOLD RD ENOIA PA 17025-2102 Address, e-mail or telephone change Go fo www.Discover,com or print change in space above Account Number ending in 4249 Enter Amount Enclosed Below Pay online at www Discover corn or moke check payable to Discover Phone and Internet payments must be made by 5 OOpm ET kr same day posting PO BOX 71084 CHARLOTTE NC 28272-1084 000001986618065818689089930500180000017700 Opening Date: June 13, 2010 - Closing Date: July 12, 2010 Discover More Card Account Summary Account number ending in 4249 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Interest Charged Fees Charged New Balance $9,020 31 180 00 + 0 00 + 0 00 + 0 00 + 152 74 + 0 00 $8,993 05 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit line Avarloble Cash Advance Credit Line Cash Advance Credit Line Available $9,100 00 310600 $2,300 00 $23 00 You may be able to avoid Interest Charges, see Addihonal Important Information for details Cashback Bonuse Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance re !men mare by in.aiwww.Discover.com Anniversary Month September 3 41 99 + 0 00 $ 41.99 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Cali I.800•DISCOVER 11.800.347.2683) Please have your Discover® card available 3 Write to us at Discover, PO Box 309.43, Solt Lake City, UT 84130 (Not a payment address) Far 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 $8,993 05 Minimum Payment Due 3177 00 Payment Due Date August 7, 2010 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 $39 00 and your purchase APRs for new transactions may be increased vp to the Penalty APR of 20 24% 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 ino additional charges using this card end each month you pay :You will pay off thebalance shown an This statement ;in. alsout And yOu Hlll grid • vp paying an estrmpfed to}gi of Only the minimum payment 54 years $60,617 3337 3 years $12,131 Savings = 348,486 ) If you would like information about credit counseling services, 0111-800.347-1121 Manage Your Account Online at www,Discover.com Access free online tools like Poydown Planner to create a plan lo pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth more`wm--find eocy ways to earn and redeem cash rewards NEWT Access your account securely through your mobile phone Transactions Trans. Post Date Date Payments and Credits Jul 7 Jul 7 PAYMENT • THANK YOU $ -180 00 Fees TOTAL FEES FOR THIS PERIOD $ 0.0D 1"1002r95$ INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS $ 36 24 11650 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 protecled statements • See your statement as soon as d's available rather than wail for it to arrive in your mailbox, ▪ Gel helpful payment reminders Through email or text messages on your mobile phone • Print o paper copy of your slotement anytime • Slgn up today at Discover.com/paperless q:2010 Dncom Bank /Melba, FD'C PAPER OJ 10 Transactions Trans. Post (cont.) Dale Dare Interest Charged 2010 Totals Year -to -Date 30272958 TOTAL INTEREST FOR THIS PERIOD TOTAL FEES CHARGED IN 2010 TOTAL INTEREST CHARGED IN 2010 $ 152,74 $ 0 00 1,062 93 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER () -800-347-2683). QISC•VER DISC VER pins re DISC VER AVA I SHAFFER Account number ending in 4249 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rale (APR) is the annual interest rate on your account Current 'lining Periods 30 doys TYPE OF BALANCE ANNUAL NLPERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE SA Purchases 15 24% V $2,892 85 $36 24 Cash Advances 22 99% $6,165 25 $116 50 V = Variable Rate Additional Important Information. See your Cardmember Agreement. Your Cordmember Agreement contains all the terms of your Account Lost or stolen cards. Report immediately) CaII 1.800.347.2683. What To Do ff 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, IJT 84130.0421 In your letter, give us the following information Accountenformatton Your name and account number Dollar amount The dolor amount oFthe suspected error Description off Mere 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 rnveshgnte any potential errors and you may have to pay -the e 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 chorea 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 con apply any unpaid amount against your credit limit Your Rights ff You Are Dissatisfied With Your Credit Gard Purchases If you are dissahsfied with the goods or services that you have purchased with your credit curd, 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 Phis right, all of the following must be true 1 The purchase must have been made in your home state or within 100 miles of your current marling address, and the purchase price must hove been more than $50 (Note Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services ) 2 You must have used your credit card for the purchase Purchases mode with cosh advances from on ATM or with a check that accesses your credit card account do not qualify 3 You must not yet have Fully pard 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, Soh take 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 an or part of your Account balance at any time However, you must pay of least the Minimum Payment Due by the Payment Due Dale Send only .your payment and the top porhon 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 lund transfer from your account at the financial institution indicated an your check or to process the payment as a check transaction If payment is processed an an electronic fund transfer, the transfer will be for the amount of the check When we use information From your check lo make an eleclronrc 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 and the payment io any other address or 11 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 out 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, Coral Stream, IL 60197-6103 Please allow 7.10 days for delivery If your payntant is returned unpaid, we reserve the right to resubmit it as an electronic debit 30272958 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay our monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments -through a customer service representative by calling 1.800.347.22683 Automatic payments wilt 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 wil 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 tel 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 far (i) statement New Balance, lni statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (w) 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 isgreater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement If your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credits or payments after the Closing Date If you enroll by phone rn aur 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 Fixed Bank Routing # Bank Account # Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payments, missed payments, or other defaults on your Account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agenctes each month Ifou believe that our report is inaccurate er incomplete, please write us at the Following address Discover, PO Box 15316, Wilmington, DE 14850.5316 Please indicate your name, address, home telephone number and Account number Paying Interest: We begin to impose Interest Charges on all transactions from the Transaction Date for the transaction shown cm your statement, unless a transaction is posted to your Account after the close of the billing period in which it occurs, inwhich case we begin to impose interest charges on ilial transaction from the first day of the billing period in which it is posted to your Account We continue to impose Interest Charges unhl the date you pay your entire New Balance shown on your billing statement by making payments 0-r receiving credits If you paid the New Bakrnce on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose Interest Charges on new purchases, that is, purchases first appearing on the current billing statement, or any portion of a new purchase, paid by the Payment Due Date on your current billing statement We call this tire "grace period ft is not less than 25 days There is no grace period on balance transfers or cash advances As more fully described in the section of your Cardmember Agreement tilled "How We Apply Payments," we generally apply payments To your Account based on the APR applicable to the balance of each transaction category This means that if you do not pay the New Balance on the current biting statement by the Payment Due Date showmon that billing statement, then, depending on the amount of your payment and the APRs on other balances, you may not get a grace period on new purchases Annual Fee. If your Account has an annual fee, tl will be billed at the beginning,of each anniversary year your Account is open The amount of the Fee appears on the statement when the fee is bled The annual Fee is not refundable unless you notify us that you wish to dose your Account within 30 days of the mailing or delivery date of the statement on which the fee is billed You will receive this refund even if you use your Cord during that period How We Calculate Interest Cherges • Daily Balance Method [including current transactions): We Figure Interest Charges for each billing period To do this We calculate your Interest Charges separately for each balance subtecl to different terms (for example, standard purchases, standard cash advances and each purchase, balance transfer and cash advance balance subject to promotional terms) We refer to these balances as transaction categories We figure the "daily balance" for each transaction category To get the "daily balance" we take the beginning balance For each day, add any new transactions and fees and any Interest Charges accrued on the previous day's daily balance We then subtract any credits and payments and make other adjustments (including those adjustments required in the section titled "Paying interest") In calculating the dont balance for the first day of the billing period, we consider the "previous day's daily balance" to have been your balance on the last day of your previous billing period This gives us the doily balance for eoc.h transaction category We figure the Interest Charges on your Account by multiplying the daily balance for each transaction category by its daily periodic rate, for each day in the billing period The total interest Charges for the bdhng period are the sum of the daily Interest Charges for each transaction category For each day during that billing period When we calculate daily balances, we add a new transaction as oF the Transachon Date shown on your billing statement, unless the transaction is posted to your Account after the dose of the billing period in which It occurs, in which case the transaction will be added to the daily balance as of the first day of the billing period in which it is posted to your Account All fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Fees which are added to the applicable cash advance transaction category and Balance Transfer Fees which are added to the applicable balance transfer transaction cetegary Credit Balances. If your Account has a credit balance, the amount is shown on the front oF your billing statement A credit balance 15 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 alter 6 months, or as otherwise required 6y applicable jaw For TDD (Telecommunications Dovke for the Deaf) assistance, please call 1.800.347.7444, Discover may monitor and/or record telephone coils between you and Discover representatives for quality assurance purposes The Discover'bcard rs issued by Discover Bank, Member FDIC r)nnKc2 30272958 Questions? Visit www,Discover.com or call 1.800 -DISCOVER (1-800-347-2683). DISCOVER DISC VER New Balance $9,104.35 AVA I SHAFFER 105 ARNOLD RD ENOLA PA 17025-2102 Minimum Payment Due $179.00 Payment Due Bate September 7, 2010 Address, e-mail or telephone change9 Go to www.Discover.com or punt change in space above Account Number ending in 4249 Enter Amount Enclosed Below Please make check payable to Discover Card You ore averlimit Pay the sum of the monthly minimum payment plus the overltmn amount of $4 35 PO BOX 71084 CHARLOTTE NC 28272-1084 000001986618065818689091043500180000017900 Opening Date: July 13, 2010 - Closing Date: August 12, 2010 Discover More Card Account Summary Account number ending in 4249 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Interest Charged Fees Charged New Balance $8,993 05 180 00 + 132 07 + 0 00 + 0 00 + 159 23 + 0 00 $9,104 35 See Interest Charge Calculodion section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit line Cash Advance Credit lane Available $9,100 00 $0 00 $2,300 00 $0 00 You may be able to ovoid Interest Charges, see Additional Important Information for details Cashback Bonus') Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance To !earn mum log at al www.Dlsaover,eom Anniversary Month September $ 41 94 + 033 $ 42.32 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call 1 -800 -DISCOVER (1.800.347.2683) Please hove your Discover+B'card avoilabfe 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 $9,104 35 Minimum Payment Due $179 00 Payment Due Date September 7, 2010 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $39 00 and your purchase APRs for new transactions may be increased up to the Penalty APR of 2024:0 variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and n wit{ take you longer to pay off your balance For example IFyau maize no additional charges using this cocci and each month you pay Nov will pay off the. balance shawn 4n this stotement 1n 10 ,And you Will end up paying an •estimafed total Cif ., Only the minimum payment 54 years $61,959 $341 3 y ears $12,287 Savings = $49472 ) 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 toay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth more` ---find easy ways to earn and redeem cash rewards NEWI Access your account securely Through your mobile phone Transactions Payments and Credits Trans. Post Date Date Aug 2 Aug 2 PAYMENT - THANK YOU $ -180 00 Gasoline Jul 21 Jul 21 TOM'S Eiv101A ROAD ENOLA PA Services Jul 20 Jul 20 PANACHE HARRISBURG PA $ 30 00 102 07 Fees r Fav TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 36 56 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC•VER U it Paperless statements mean Tess clutter, more convenience Easily access up to 24 months of downlondoble, password protected statements • See your statement as soon as it's available rather than wart for it to arrive in your mailbox. • Gel 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 Discaver.com/paperless 7:201(1 O,srovet Fumy member MC PAPER, 0110 Transactions {cont.) Interest Charged Trans. Post Date Data INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR MS PERIOD $ 122 67 0 00 159.23 2010 Totais Year -to -Date TOTAL FEES CHARGED IN 2010 TOTAL INTEREST CHARGED IN 2010 30272958 $ 0 00 1,222 16 Questions? Visit www.Discover.com Or cull I -800-DISCOVER (1-800.347.2683), DISCOVER DISC VER It pays to DISC VER AVA 1 SHAFFER Account number ending in 4249 page 2 of 2 Interest Charge Cakulation Your Annual Percentage Rate (APRT is the annual interest rate on your account Current Billing Period: 31 days TYPE OF BALANCE ANNUAL RjERCENTAGE RATPurchases 15 24% V Cash Advances 22 99% V r Variable Rate BALANCE SUBJECT TO INTEREST RATE $2,825 26 $6,282 12 INTEREST CHARGE $36 56 $122 67 Additional Important Information. See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report immediately) Call 1400.347.2683. What To Da if You Think You Find A Mistake On Your Statement ff you think there rs on error on your statement, write to us at Discover, PO Box 30421, Salt Lake City, UT 84! 30-0421 In your letter, give us the following information Account information Your name and account number Dollar amount The dollar amount of the suspected error Deese/10ga , f PgProblem 0 you think there is an error on your bill, describe who! you believe a 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 cull us, but if you do we are not required to investigate any potential errors and you may have to pay -Fe a 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 toay 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 Cord Purchases 0 you ore dissahsfied with the goods or services that you have purchased with your credit card, and you have tried in good forth io conrect the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, all of the following must be true 1 The purchase must have been mode in your home state or within 100 miles of your current marking address, and the purchase price must have been more than $50 (Note Neither of these are necessary if your purchase was based on on advertisement we mailed to you , or if we own the company that sold you the goods or sten/tees) 2 You must have used your credit card for the purchase Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify 3 You must not yet have fully paid for the purchase If all of the criteria above ore mot and you are still dissatisfied with the purchase, contact us in writing al 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 hnish our investigation, we will tell you our decision At that point, if we think you owe an amount and you do not pay we may report you as delinquent Payments. You may pay all or port of your Account balance at any time However, you must pay at least the Minimum Payment Due by the Payment 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 Fe) use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction If payment is processed as an electronic Fund transfer, the transfer will be For the amount of the check When we use information From your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check hack from your financial institution The processing of your payment may be delayed if you send cash, correspondence or other items withyour payment, d you send the payment to any other address or if you use an envelope other than the one provided Poymer s received in proper form at our processing Facility by SPM local time an any day will he credited to your Account as of that day Payments received at our processing facility after 5PM local lime will be credited to your Account as of the next day If you have misplaced your envelope, sand your payment to Drscover, PO Box 6103 Carol Stream, 11 60197.6103 Please allow 7.10 days kr delivery 0 your payment is returned unpaid, we reserve the rr l t to resubmit it as an electronic debit 30272958 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 calking 1.800-347.2683 Automatic payments will be deducted on the Payment Due Date unless you request a recurnng payment dale (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 wit 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 rnformahon You will be asked to provide the fast tour (4) digits oldie sotto security number of the primary borrower By providing those numbers as your electronic signature, you will be agreeing to this authonzation 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 mad at Discover, PO Box 30421, Salt lake City, UT 84130-0421, however we mud receive notice at least three business days in advance of the scheduled payment 11 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 wrth U S law You con set automatic payments for (i) statement New Balance, (u) statement Minimum Payment Due, tiii) statement Minimum Payment Due plus a fixed dollar amount, or lei 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 amour* indicated on the periodic statement based on credits or payments after the using Date IF you enroll by phone in our automatic payment service, please Mien 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 an your Account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agencies each month IF you believe that our report is inaccurate or incomplete, please write us at the following address Discover. PO Box 15316, Wilmington, DE 198505316 Please indicate your name, address, home telephone number and Account number Paying Interest: We begin to impose Interest Charges on all transactions from the Transaction Date for the transaction shown an your billing statement, unless a'hansaction is posted to your Account after the close of the billing period in which it occurs, in which case we begin to impose interest charges on that traitsachon from the first day of the billing period in which it is posted to your Account We continue to impose Interest Charges until the date you pay your entire New Balance shown on your billing statement by making payments or receiving credits IF you paid the New Balance on your previous bilmg statement by the Payment Due Date shown on that billing statement, we will not impose Interest Charges on new purchases, That a, purchases first appearing on the current billing statement, or onz portion of a newurchase, pail by the Payment Due Date on your current billing statement We call this the "grace period It is not less than 25 days There is no grace period on balance transfers or cash advances As more fully described in the section of your Cardmember Agreement titled "How We Apply Payments,' we generally apply payments to your Account based on the APR applicable to the balance of each transaction category This means that if you do not pay the New Balance on the current billing statement by the Payment Due Date shown on that billing statement, then, depending on the amount of your payment and the APRs on other balances, you may not get a grace period on new purchases Annual Fee. If your Account has an annual Fee, it will be billed at the beginning of each anniversary year your Account is open The amount of the foe appears on the statement when the fee is billed The annual fee is not refundable unless you notify us that you wish to dose your Account within 30 days of the moiling or delivery date of the statement on which the fee is billed You will receive this refund even if you use your Card during that period How We Calculate Interest Charges • Daily Balance Method (including current transactions): We figure Interest Charges for each billing petted To do this We calculate your Interest Charges separately forach balance subject to different terms (for example, standard purchases, standard cash advances and each purchase, balance transfer and cash advance balance subject to promotional terms) We refer to these balances as transaction categories We figure the "daily balance" for each transaction category To get the "daily balance" we take the beginnutg balance for each day, add any new transactions and fees and any Interest Charges accrued on the previous day's daily balance We then subtract any credits and payments and make other adjustments lincluding those adjustments required in the section idled "Paying Interest") In calculating the daily balance for the fest day of the billing period, we consider the "previous day's daily balance" to have been your balance on the last day of your previous billing period This gives us the daily balance for each transaction category We figure the Interest Charges on your Account by multiplying the daily balance for each transaction category by es daily periodic rate, for each day in the billing period The total Interest Charges far the billing period are the sum of the daily Interest Charges for each transaction category for each day during that billing penod When we calculate daily balances, we add a new transaction as of the Transaction Date shown on your billing statement, unless the transaction is posted to your Account after the close of the bdltng period in which d occurs, in which case the transaction will be added to the daily balance as of the first day of the billing period in which it is posted to your Account All fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Fees which are added to the applicable cash advance transaction category and Balance Transfer Fems which are added to the applicable balance transfer transochon category Credit Balances. If your Acc.ounl 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 c.harges against this amount if your Account is Open We will send you a refund of any remaimng balance of $1 00 or more offer 6 months, or as otherwise required by applicable law For TDD (Telecommunications Device for the Deaf) assistance, please call 1.800.347.7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes The Discovereicard is issued by Discover Bank, Member FDIC o116ct.'z 30272958 Questions? Visit www,Discover.com or call 1.800 -DISCOVER (1-800.347-2683). DISCOVER DISC VER New Balance Minimum Payment Duey $9,08459 $179.00 PaymentDue Date October 7, 2010 AVA 1 SHAFFER 105 ARNOLD RD ENOLA PA 17025-2102 Address, e-mail or telephone changes Go to www.Discover,cem or pnnt change m space above Account Number ending In 4249 Enter Amount Enclosed Below sr Pay online at www Discover com or make check payable to Discover Phone and inteinet payments must be made by 5 OOpm ET for same day posting PO BOX 71084 CHARLOTTE NC 28272-1084 000001986618065818689090845900180000017900 Opening Date: August 13, 2010 - Closing Date: September 12, 2010 Discover More Card Account Summary Account number ending in 4249 Previous Balance Payments And Credds Purchases Balance Transfers Cash Advances Interest Charged Fees Charged New Balance $9,104 35 180 00 + 0 00 + 0 00 + 0 00 + 160 24 + 0 00 $9,084 59 See Interest Charge Calculation section following transactions for detailed APR information Credit Line $9,100 00 Credit Line Available $15 00 Cash Advance Credo Line $2,300 00 Cash Advance Credit Line Available $1 5 00 You may be able to avoid Interest Charges, see Additional Important Information for details Cashback Bonuse Anniversary Month September Opening Cashback Bonus Balance $ 42 32 New Cashback Bonus This Period 0 00 Cashback Bonus Balance $ 42.32 ra 4esrn mute Ion p, ni W W W.OISCOV,ACOm 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover,cam 2 Call 1.800•0lSCOVER (1.800.347.2683 Please have your Discoverrti card available 3 Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 (hot a payment address) For payments. please send to address on remittance or Discover, PO Bax 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 $9,084 59 Minimum Payment Due $179 00 Payment Due Date October 7, 2010 Late Payment Warning: If we do not receive your minimum payment by the dale lrsled above, you may have to pay a kite 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 20 24% 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"yeti make no additional charges using this Lord aid each month you pay !You will pay off ' the. balance shown On this statement 1n. about And you wIt end up paying' an estimated tote/ o} Only the minimum payment 54 years $61,791 $341 3 years $12,281 (Savings = $49,510 ) 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 10 pay down your balance, securely access statements, pay bills online and easily track all liansgdians 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 Date Date Payments and Credits Sep 3 Sep 3 PAYMENT • THANK YOU $ -180 00 FOOS TOTAL FEES FOR THIS PERIOD INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS $ 35 20 125 04 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. • Gel helpful payment reminders through email or text messages on your mobile phone • Print a paper copy of your statement anytime • Sign up today at Discover.com/paperless R72010 Dacowte Bari rrisn6¢, FD'C PAPER. 0710 Transactions (cont.) Trans. Post Date Date Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 160.24 2010 Totals Year -to -Date TOTAL FEES CHARGED IN 2010 TOTAL INTEREST CHARGED IN 2010 30272958 $ 000 1,382 40 Questions? Visit www.Discover.com or call 1 -BOO -DISCOVER (1-800.347.2683). DISCOVER DISC VER It pnys to DISC VER AVA I SHAFFER Account number ending in 4249 page 2of2 Interest Charge Calculation Your Annual Percentage Rate IAPRI is the annual interest rate on your account Current Ming Period: 31 days TYPE OF BALANCE AANNUTE (AALPERCENTAGE BIALANCETERESTRSAUBJECTTE TO Purchases 15 24% V $2,720 16 Cash Advances 22 99% $6,403 67 V -, Variable Rale INTEREST CHARGE $35 20 $12504 Additional Important Information, See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report immediately) CaII 1.800.347.2683. What To Do If You Think You Find A Mistake On Your Statement If you think there n an error on your statement, write lo us at Discover, PO Box 30421, Salt lake City, IJT 84130-0421 In your letter, give us the following information Accgent_ieformotigt Your name and account number Dollar amount The dollar amount of the suspected error pescrlptiorr of Prethn 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 potenftal 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 an thot amount But, if we determine that we made a mistake, you will not have to pay the omount in question or ony interest or other fees related to that amount While you do not have topay the amount in question, you are responsible for the remainder of your balance We can apply any unpaid mount against your credit limit Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissahsfied 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 an 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 purchaue price must have been more than $50 (Note Neither of these are necessary if your purchase was based on an advertisement we moiled to you , or if we own the company that sold you the goods or services ) 2 You must have used your credit card for the purchase Purchases made with cash advances from an ATM or with a check that accesses your credit card account' do not qualify 3 You must not yet have fully paid for the purchase If all of the criteria above are met and you are still dissatisfied with the purchase, contact us In writing at Discover, PO Box 30945, Salt lake City, UT 84130-0945 While we investigate, the same rules apply to the disputed amount as discussed above After we finish our investigation, we will tell you 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 puri of your Account balance at any time However, you must pay at least the Minimum Payment Due by the Payment Due Dote Send only your payment and the top portion of this statement in the envelope provided Do not send cash Ry sending your check as described above, you authorize us to use information on your cheek 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 buck 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 serA 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 SPM local time on any cloy will he 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, seed your payment to Discover, PO Box 6103 Cord 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 30272958 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DI5CWVER 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 o customer seance representative by calling 1.800.347-2683 Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment dole (e g , the 1 Sth day of the month) that occurs before your Payment Due Date If your scheduled payment dote falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature, you wog 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 al 1.800.347.2683 or by mail at Discover, PO BOK 30421, Salt take City, UT 84130.0421, however we must receive notice at -least three business days in advance of the scheduled payment If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be You must ensure that sufhcient funds are available m your bank account, and all transactions must comply with U 5 law You can set automatic payments For (i) statement New Balance, Iii) statement Minimum Payment Due, Idi) statement Minimum Payment Due plus o fixed dollar amount, or (uv) a fixed dollar amount It 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 Flew Balance Your automatic payment amount maybe less than the amount indicated on the periodic statement based Oil credits or payments after the Closing Date If you enroll by phone in our automatic payment service, please Mien the following blanks below and retain the authorization for your recordsi— Amount 0 .full Pay Min Payr ❑ Mm Pay + Bank Routing 8 Bank Account # , Frequency Credit Reporting. We may report rnformatroa about your Account to creda 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 all transactions from the Transaction Date for the transaction shown on your billing statement, unless a transaction is posted to your Account after the close of the billing period in which d occurs, in which case we begin to impose Interest charges on that transaction From the fast day of the billing period in which it is posted to your Account We continue to impose Interest Charges until the date you pay your entire New Balance shown on your billing statement by making payments or receiving credits If you paid the New Balance on your previous billing statement by the Payment Due Date shown on that bilking statement, we will not impose Interest Charges on new purchases, that is, purchases first appearing on the current billing statement, or any portion ofpa new purchase, paid by the Payment Due Date on your current billing statement We call this the "grace period It is not fess than 25 days There is no grace period on balance transfers or cash advances As more fully described in the section of your Cardmember Agreement tilled "How We Apply Payments," we generally apply payments 1a your Account based on the APR applicable to the balance of each transaction category This means that if you do not pay the New Balance onlhe current billing statement by the Payment Due Data shown on that billing statement, then, depending an the amount of your payment and the APRs on other balances, you may.not get a grace period on new purchases Annual Fee. If your Account has an annual fee, it will be baled at the beginning of each anniversary year your Account is open The amount of the fee appears on the statement when the fee is billed The annual Fee is not refundable unless you notify us that you wish to dose your Account within 30 days of the mailing or delivery date of the statement on which the lee is billed You will receive this refund even if you use your Card during shot period How We Calculate Interestharges • Daily Balance Method (including current transactionslt We figure Interest Charges for each billing period To do this We calculate your Interest Charges separately for each balance subled to different terms (for example, standard purchases, standard cash advances and each purchase, balance transfer and cash advance balance sublacr to promotional terms) We refer to these balances as transaction categories We figure the "daily balance" for each transaction category To get the 'daily balance" we take the beginning balance for each day, add any new transactions and fees and any Interest Charges accrued on the previous day's daily balance We then subtract any coedits and payments and make other adjustments (including those adjustments required in the section tilled "Paying Interest") In calculating the doily balance For the first day of the billing period, we consider the "previous day's daily balance" to have been your balance on the last day of your previous billing period This gives us the daily balance for each transaction category We figure the Interest Charges on your Account by multiplying the daily balance for each transaction category by its daily periodic rate. for each day in the billing period The total Interest Charges for the billing period are the sum of the daily Interest Charges for each transaction category for each day during that billing period When we calculate daily balances, we add a new transaction as oFthe Transaction Date shown on your billing statement, unless the transaction is posted to your Account after the close of the billing period in which d occurs, in which case the transaction will be added to the daily balance OS of the first day of the billing period in which 1 is posted to your Account All fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Fees which are added to the applicable cash advance transaction category and Science Transfer Fees which are added to the applicable balance transfer transaction category 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 thin amount if your Account rs open We will send you a refund doily remaining balance oF.S 1 00 or more offer 6 months, or as otherwise required by applicable low For TDD (Telecommunications Device for the Doaf) assistance, please call 1.800.347.7449. Discover may monitor aril/or record telephone calls between you and Discover representatives for quality assurance purposes The Discover/)card is issued by Discover Bank, Member FDIC 01160122 30272958 Questions? Visit www,Discover,com or call I -800-DISCOVER (1-£300.347-2683). DISCOVER DISC VER New Balance Minimum Payment Due: $9,265.90 $361.00 Payment Due' Date November 7, 2010 AVA 1 SHAFFER 105 ARNOLD RD ENOLA PA 17025-2102 Address, e-mail or telephone changee Go to www.Discover.com or print change in space above Account Number ending in 4249 Enter Amount Enclosed Below $r Please make check payable to Discover Card You are overtime Pay the sum of the monthly minimum payment plus the overhmd amount of $165 90 Please see "Notice of Changes to 1 your Interest Rales" section PO BOX 71084 CHARLOTTE NC 28272-1084 000001986618065818689092659000000000036100 Opening Date: September 13, 2010 - Closing Date: Ociober 12, 2010 Discover More Card Account Summary Account number ending in 4249 Prevrou.s Balance Payments And Credds Purchases Balance Transfers Cash Advances Interest Charged Fees Charged New Balance $9,084 59 000 + 0 00 + 000 + 000 + 15631 + 25 00 $9,265 90 See Interest Charge Cakulaiion section fallowing transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit line Available $9,10000 $000 $2,300 00 $000 Yeu maybe able to avoid Interest Charges, see Additional Important Information for details Cashback Bonus' Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance To Team more k,5 an at www.Discover.com Anniversary Month September $ 42 32 + 000 $ 42.32 3 Easy Ways to Contact Us 1 Access your account securely al 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) Far 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 calf 1-800.347-7449 page 1 of 3 Payment Information New Balance $9,265 90 Minimum Payment Due' $361 00 Payment Due Date November 7, 2010 'Includes past due amount of $179 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 la $35 00 and your purchase and balance Transfer APRs for new Transactions may be increased up to the Penalty APR of 20 24% variable Minimum Payment Warning II 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 11 yoe Make no . ' oddltretted Charges . usingthis cord and each month you pay You Will pay 6ff The balonot SIi wn on this. statement m about And you Will. end .p .pgyy g ort estimated. tocol of; . Only the minimum payment 54 years $62,130 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%^,_ -find easy ways to earn and redeem cash rewards NEWI Access your account securely through your inobile phone Transactions Fees Trans. Date Oct 7 Post Date Oct 7 LATE FEE TOTAL FEES FOR THIS PERIOD $ 25 00 25,00 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS $ 32 97 123 34 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•ma11 or texi messages on your mobile phone • Print a poper copy of your statement anytime • Sign up today at Discavercom/paperless n:20+D Dacaua Bank Member FDS PAPER OJ 10 Transactions (cont.) Trans. Post Date Date Interest Charged 2010 Totals Year -to -Date 30272958 TOTAL INTEREST FOR THIS PERIOD $ 156,31 TOTAL FEES CHARGED N 2010 TOTAL INTEREST CHARGED IN 2010 $ 25 00 I,53LI 71 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683J. DISCOVER ➢ DISC VER ti pegs io DISC VER AVA I SHAFFER Account number ending in 4249 page 2af3 Notice of Changes to Your Interest Rates You have triggered the Penalty APR of 17.24, on new transactions due to a late payment(s) and its effect on your creditworthiness. This APR will vary with the market based on the Prime Rate,* This change will impact your account as follows: Purchases made on or after 11/1/10: As of 12/13/10, the Penalty APR will apply to these purchases (unless a promotional rate applies)_ We will keep the APR at this level indefinitely. Purchases made before 11/1/10 and other transactions: Current rates will continue to apply to these purchases and transactions. *This Annual Percentage Rate (°APR") equals the U.S. Prime Rate + 13.99% (corresponding daily periodic rate of 0,04723%1. Interest Charge Calculation Your Annual Percentage Rafe (APR) is the annual interest rate on your account Current Billing Period: 34 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE ECT TO TINTEREST SUBJECT Purchases 15 24% V $2,632 76 Cash Advances 22 99% $6,527 15 Vi. Variable Rate INTEREST CHARGE $32 97 $123 34 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 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 rho dollar amount oFthe suspected error De criptien f �reliiem If you think there is an error on your bill, describe what you believe is wrong and why you believe 11 is a mistake Yoti must contact us within 60 days after the error appeared an your statement You must notify us of any potential errors in writing You may call us, but 4 you do we are not required to investigate any potential errors and you may have to pay the amount in question While we investigate whether or not there has been an error, the following are true We cannot try to collect the amount in question, or report you as delinquent on that amount The charge in question may remain on your statement, and we may continue to charge you interest on that amount But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount While you do not hove to pay the amount in question, you are responsible for the remainder of your balance We can apply any unpaid amount against your credit limit Your Rights if You Are Dissatisfied With Your Credit Card Purchases II you are dissatisfied with the goods or services that you hove purchased with your credit card, and you have treed in good foils to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, all of the following must he true 1 The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50 (Note Neither of these are necessary 4 your purchase was based on an advertisement we mailed to you , or 4 we own the company that sold you the goods or services ) 2 You must have used your credit card for the purchase Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify 3 You must not yet have fully paid for the purchase IF all of the criteria above are met and you are still dissatisfied with the purchase, contact us in..wrlting at Discover, PO Box 30945, Sall Lake Cily, 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 al least the Minimum Payment Due by the Payment Due Date Send only your payment and the top portion of the, statement in the envelope provided Do not sendcashBy sending your check as described above, you authorize us to use information on your check 10 make on electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction If payment is processed as an electronic fund transfer the transfer will be for the amount of the check When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution 30272968 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER 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 al our processing facility by 5PM local time on any day will be credited lo your Account as of that day Payments received at our processing facility after 5PM beat 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 will be deducted on the Payment Due Dale unless you request a recurring payment date (e g , the 15th da of the month) that occurs before your Payment Due Date If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments b telephone, you will need this statement and your' bank account information You will 6e 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 con 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 5 Iaw You can set automatic payments for if statement New Balance,. (n) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount if your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due If the scheduled payment Is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardinember 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 Ilse periodic statement based on credits or payments after the Closing Date If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records Amount D Full Pay U Min Pay U Min Pay + $ (_i Fixed Pay$ Bank Routing # __,.,.. . Bank Account # , Frequency ,___-.___•_..._ Credit Reporting. We may report information about your Account to credit bureaus Late payments, missed payments, or other defaults on your Account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agencies each month If you believe That our report is inaccurate or incomplete, please write us at the following address Discover, PO Box 15316, Wilmington, DE 19850.5316 Please indicate your name, address, home telephone number and Account number Paying interest We begin to impose Interest Charges on all transactions from the Transaction Date For the transaction shown on your billing statement, unless a transaction is posted to your Account after the close of the billing period in which it occurs, in which case we begin to impose interest charges on that transaction from the first day of the billing period in which it is posted to your Account We continue to impose Interest Charges until the date you pay your entire New Balance shown on your billing statement by making payments or receiving credits If you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not im, ate Interest Charges on new purchases, that is, purchases first appearing on the current billing statement, or any portion ata new purchase, paid by the Payment Due Date on your current bating statement We call this the ".grace period ' It is not less than 25 days There is no orace period on balance transfers or cash advances As more fully described in the section of your Cardmember Agreement titled "How We Apply Payments," we generally apply payments to your Account based on the APR applicable to tate balance of each transaction category This means that if you do not pay the New Balance an the current bitting statement by the Payment Due Date shown on that billing statement, then, depending on the amount of your payment and the APRs on other balances, you may not get a grace period on new purchases Annual Fee. If your Account has an annual fee, it will be billed at the beginning of each anniversary year your Account as open The amount of the fee appears on the statement when the Fee is billed The annual fee is not refundable unless you notify us that you wish to close your Account within 30 days of the moiling or delivery date of the statement on which the Fee is billed You will receive this refund even if you use your Card during that period How We Calculate Interest Charges • Daily Balance Method (including current transactions): We figure Interest Charges for each billing period To do this We calculate your Interest Charges separately for each balance subject to different terms (for example, standard purchases, standard cash advances and each purchase, balance transfer and cash advance balance subtect to promotional terms) We refer to these l alences as transaction categories We figure the'"doily balance" for each Transaction category To get the "daily Ixtlance" we take the beginning balance for each day, add any new transactions and fees and any Interest Charges accrued on the previous day's daily balance We then subtract any credits andayments and make other ad lusiments (including those adjustments required in the section titled "Paying Interest") In calculating the daily balance for the first day of the billing:peuod, we consider the "previous day's daily balance" to have been your balance on the last day of your previous billing period This gives as the daily balance for each transaction category We figure the Interest Charges on your Account by multiplying ihe daily balance for each transaction category by ds daily periodic rate, for each day in the billing period The total Interest Charges for the billing period are the sum of the daily Interest Charges for each transaction category for each clay during that bit nig period When we calculate daily balances, we add a new transaction as of the Transaction Date shown on your billing statement, unless the transaction Is posted to your Account after the close of the billing period in which it occurs, in which case the transaction will be added to the daily balance as of the first day of the bitting period in which it is posted to your Account All fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Fees which are added to the applicable cash advance transaction category and Balance Transfer Fees which are added to the applicable balance transfer transaction category Credit Balances, If your Account hos a credo balance, the amount is shown on the fr nt of your billing statement A credit balance is money that is awed to you You maymake charges against this amount if your Account is open We will send you o refund of any remaining balance of $1 0make or more offer 6 months, or as otherwise required by applicable law Far TDD (Telecommunications Device far 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 3The � d (LrOtSd is issued by Discover Bank, Member FDIC e rime t.'2 Questions? Visit www.Discover,com or call 1 -800 -DISCOVER (1-800-347-2683J. DISCOVER DISC VER Information For You When making payments, please send a check with your payment coupon to the address we provided an your statement This will help you avoid additional interest charges and/or late poyments, as it can take additional time to process and credit cash payments and payments sent to a different address The Additional Important Information section on your statement provides specific details "" ATTENTION "* Your account is past due Please pay the past due amount now, or contact us to make other arrangements This month, the featured Cashback Bonus(R) Redemption Partner is Bed Bath & Beyond(R) Redeem $20 Cashback Bonus for a $25 Bed Bath & Beyond get card 38272958 ca1 8(3G� I S�psip df;?JRMATION DISCOVER DISC VER New Balance Minimum Payment Due: $8,982.46 $179.00 Payment 17ue Date December 7, 2010 AVA 1 SHAFFER 105 ARNOLD RD ENOLA PA 17025-2102 Address, email or telephone change0 Go to www.Discever.com or print change in space above Account Number ending in 4249 Enter Amount Enclosed Below $i Thank you for your DireclPay automatic payment Your next automaticpoyment of $ 179 00 will be on 11 /30/10 See Transactions section for additional details PO BOX 71084 CHARLOTTE NC 28272-1084 000001986618065818689089824600000000017900 Opening Date: October 13, 2010 - Closing Date: November 12, 2010 Discover More Card Account Summary Account number ending in 4249 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Interest Charged Fees Charged New Balance $9,265 90 36100 + 0 00 + 0 00 + 000 + 77 56 + 0 00 $8,982 46 See Interest Charge Calculation section following transactions far detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cush Advance Credit Line Available $9,100 00 $11700 $2,300 00 $23 00 You may be able lo avoid Interest Charges, see Additional Important Information for details Cashback Bonus' Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Benin Balance t, telmn more log m e www.Discover.com Anniversary Month September $ 42 32 + 0 00 $ 42.32 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call 1.800 -DISCOVER 11.800.347.2683) Please have your Discover® card available 3 Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197-6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449 page 1 of 3 Payment Information New Balance $8,982 46 Minimum Payment Due $179 00 Payment Due Date December 7, 2010 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a lase fee of up fo $35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 14 99% variable Minimum Payment Warning; If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example IfYou additional charges using thi; card and each month you pay will payoff he balance shown n lbs, statement ;la a)potit And yiiu W131 end up poy rr an .estrmaled talus aF Only the minimum payment 49 years $50,394 $323 3 years $11,628 (Savings ....$38,766 ) 1 you would like information about credit counseling services, call I-800-347-1121 Manage Your Account Online at www.Discover.com Access free online toils like Paydown Planner to create o plan toay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth more w•—find easy ways to earn and redeem cash rewards NEWT Access your account securely through your mobile phone Transactions Payments and Credits Trans. Post Date Date Oct 30 Oct 30 PHONE PAYMENT - THANK YOU $ -361 00 Foes TOTAL FEES FOR TH15 PERIOD $ 0.00 'n=12E4$ INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS $ 21 41 5615 000 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 rt's available rather than wail for It to arrive in your mailbox. • Get helpful payment reminders through e•moll or text messages on your mobile phone • Print a paper copy of your statement anytime • Sign up today al Discavercom/paperless OI 0 Om bank Member FD'C PAPER 6710 Transactions (cont.) Trans. Pod Dote Date Interact charged 2010 Totals Year -to -Date 30272958 TOTAL INTEREST FOR THIS PERIOD TOTAL FEES CHARGED IN 2010 TOTAL INTEREST CHARGED IN 2010 $ 77.56 $ 2500 1,616 27 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER DISC VER It pays to DISC VER AVA 1 SHAFFER Account number ending in 4249 page 2 of 3 interest Charge Calculation Your Annual Percentage Rale (APR) is the annual interest rote on your account Current Billing Period: 31 days TYPE OF BALANCE ANN (A L PERCENTAGE BALANCE I INTERESTRSAUBJECT TE TO RATEPurchases 9 99% $2,522 52 Cash Advantos 9 99% $6,618 20 V = Variable Rale INTEREST CHARGE $21 41 $56 15 Additional Important Information. See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report immediately' Cal 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 841300421 In your letter, give us the following information Ac rkiehOrmotien 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 0 mistd ke You must contact us within 60 days after the error appeured on your statement You must notify us of any potential errors in writing You may cull 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 mayremain an your statement, and we may continue to charge you interest on that amount But, ,r we determine that we mada 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 toay the amount in question, you are responsible for the remainder of your balance We can apply any unpaidamountagainst 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 curd, and you have tried in good Faith io correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, all of the Following must he true 1 The purchase must have been made In your home state or within 100 miles of your current marking address, and the purchase price must have been more than $50 (Note Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we awn the company that sold you the goods or services I 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 card account do not qualify 3 You must not yet have Fully paid for the purchase If all of the eaten° 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 White we investigate, the same rules apply to the disputed amount as discussed above After we fimsh 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 tronsfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment fo any other address or if you use an envelope other than the one provided Payments received in proper form at our processing facility by SPM local time on any day will be credited to your Account as of that day Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197.6103 Please allow 7.10 days For delivery If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit 30272958 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 paymentsihrough a customer service representative by calling 1.800-347.2683 Auiomahc payments will be deducted on the Payment Due Dale unless you request a recurring payment dale (a g , the 15th day of the month) that occurs before your Payment Due Date If your scheduled payment date falls an a weekend or bank .holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked.to provide the 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 -6y you, hem your bank account You also authorize us to initiate debit or credit entries io your bank account. as�jicable, to correct an error in the processing of such payment You can cancel a scheduled payment by phone at 1.800.347.2683 or by mail at Discover, PO Box 30421, Salt Lake City UT 84130.042 1, however we must receive notice at (east three business days in advance of the scheduled payment If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be You must ensure that sufficient Funds are available in your bank account, and all transactions must comply with U S law You can set automatic payments for (r) statement New Balance, (ii) statement Minimum Payment Due, lin) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due If the scheduled payment *greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement IFyour scheduled payment is greater than the New Balance on your billing statement that payment will be processed only For the amount of your New Balance Your automatic payment amount may be less than the amount indicated on the periodic statement based on credits or payments after the Closing 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 El Full Pay El Min Pay El Min Pay + $ ❑Fixed Pay$ __ Bonk Routing # Bank Account # Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payments, missed payments, or other defaults an 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 retport is maccurote or incomplete, please write us•at the following address 'Discover. PO Box 15316, Wilmington, DE 198505316 Please indicate your name, address, home telephone number and Account number Paying Interest: We begin to impose Interest Charges on all transactions From the Transaction Date for the transaction shown on your billing statement, unless a transaction is posted to your Account after the close of the billing period in which it occurs, in which case we begin to impose interest charges on that transaction from the font day of the billing period rn which it is posted to your Account We continue to impose Interest Charges until the dale you pay your entire New Balance shown on your billing statement by making payments or receiving credits IF you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose Interest Charges on new purchases. that is, purchases first appearing on the current billing statement, or anr portion of new purchase, paid by the Payment Due Date on your current bang statement We call this the "grace period Ills not less than 25 days There is no graceeriod on balance transfers or cash advances As more fully described in the section of your Cardmembei Agreement titled "How We Apply Payments," we generally apply payments to your Account based an the APR applicable to the balance of each trcnsaction category This means that if you do not pay the New Balance on the current billing statement by the Payment Due Date shown on that billing statement, then, depending on the amount of your payment and the APRs on other balances, you may not get a grace period on new purchases Annual Fee. If your Account has an annual fee, it will be billed at the beginning of each anniversary year your Account is open The amount of the fee appears on the statement when the fee is billed The annual fee is not refundable unless you notify us that you wish to close your Account within 30 days of the mailing or delivery date of the statement on which the fee is billed You will receive this refund even if you use your Card during that period How We Calculate interest Charges • Daily Balance Methed'including current transactions): We figure Interest Charges for each billing period To do this We calculate your Interest Charges separately for each balance subject to different terms (for example, standard purchases, standard cash advances and each purchase, balance transfer and cash advance balance subject to promotional terms) We refer to these balances as transaction categories We figure the "daily balance° for each transaction category To get the "daily balance" we take the beginning balance for each day, odd any new transactions and fees and any Interest Charges accrued on the previous day's daily balance We then subtract any credits and payments and make other adjustments (including those adjustments required in the section titled "Paying.Interest") In calculating the doily balance for the first day of the billing period, we consider the "previous day's daily balance" to have been your balance on the last day of your previous billing period This gives us the daily balance for each transaction category We figure the Interest Charges on your Account by multiplying the daily balance for each hensachon category by Is daily periodic rate, For each day in the billing period The total Interest Charges for the billing period are the sum of the daily Interest Charges for each transection category For each day during that billing period When we calculate daily balances, we add o new transaction as dale Transaction Dale shown on your billing statement, unless the transaction is posted to your Account after the close of the billing period m which it occurs, in which case the transachon will be added to the daily balance as of the first day of the billing period in which rt is posted to your Account All fees charged to your Account are added to the standard purchase transadian category with the exception of Cash Advance Fees which are added to the applicable cash advance transaction category and Balance Transfer Fees which are added to the applicable balance transfer transaction category Credit Balances. If your Accourd 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 OD or more alter 6 months, or as otherwise required by applicable law Far TDD (Telecemmunlcatiens 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 Discoveril'card is issued by Discover Bank, Member FDIC 01 tsK 172 30272958 QUeSttonS? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683. DISCOVER DISC VER Information For You When making payments, please send a check with your payment coupon to the address we provided on your statemont This will help you avoid additional interest charges and/or late payments, as it can take additional time to process and credit cash payments and payments sent to a different address The Additional Important fnformotian section on your statement provides specific details Your next automatic minimum payment of $ 179 00 will be on 11/30/10 Any payments made prior to this date will be applied towards your minimum payment due Any credits applied to your Account for the billing cycle reflected on This statement may lower your minimum payment due and thus the scheduled DirectPay amount 30272958 tali l& tidt eg/P iffilj RMATION DISCOVER DISC VER New Balance $8,876.87 AVA 1 SHAFFER 105 ARNOLD RD ENOLA PA 17025-2102 Minimum Payment Due: $177.00 Payment Due Dale January 7, 2011 Address, e-mail or telephone change0 Go to www.Distover,com or print change in space above Account Number ending in 4249 Enter Amount Enclosed Below sr— Thank you for your DirectPay automatic payment Your next outomahc payment of $ 1 77 00 will be on 12/30/10 See Transactions section for addihonal details PO BOX 71084 CHARLOTTE NC 28272-1084 000001986618065818689088768700000000017700 Opening Date: November 13, 2010 - dosing Date: December 12, 2010 Discover More Card Account Summary Account number ending in 4249 Previous' Balance Payments And Credits Purchases Balance Transfers Cash Advances Interest Charged Fee: Charged New Balance $8,982 46 17900 + 0 00 + 0 00 t 0 00 + 73 41 + 0 00 $8,876 87 See Interest Charge Calculation section following Iransodtons for detailed APR information Credit Line Credit Line Available Cash Advance Credit Lune Cash Advance Credit line Available 39,100 00 $223 00 $2,300 00 $23 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 Cashback Bonus Balance To teem mare roe m at www.Discover.com Anniversary Month September $ 42 32 + 0 00 $ 42.32 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call I.800 -DISCOVER II.800.347.26831 Please have your Discover*card available 3 Write to us at Discover, PO Box 30943, Sall Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, 1160197.6103 For TDD (Telecommunications Device for the Deaf' assistance, please call 1-800-347-74149 page 1 of 3 Payment Information New Balance $8,876 87 Minimum Payment Due 3177 00 Payment Due Date January 7, 2011 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may hove to pay a tole fee of up io $35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 14 99°4 variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example IPyou make no additional charges using this Card and eacfi month you pay You will pay off thebalance drawn on this. statement in. about And you'wtf1 i'nd . up paying nn estrtnofed total of Only the minimum payment 49 years $50,215 $321 3 years $11,554 Savings = $38,661) 1 you would Irke 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 sM--find easy ways to earn and redeem cash rewards NEWT Access your account securely through your mobile phone Transactions Trans. Post Date Dote Payments and Credits Nov 30 Nov 30 PHONE PAYMENT - THANK YOU $ -179 00 Fees TOTAL FEES FOR THIS PERIOD 3 0.00 '"n 298 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS $ 18 61 54 80 000 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 scan as it's available rather than wail for it to arrive In your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone • Print a paper copy of your statement anytime • Sign up today at Discavercom/paperless V/0 I0 Deeme/ rank Member FOC PAPER 0310 Transactions (cont.) Trans. Post _ Date Date Interest Charged 2010 Totals Year -to -Date 30272968 TOTAL INTEREST FOR THIS PERIOD TOTAL FEES CHARGED IN 2010 TOTAL INTEREST CHARGED IN 2010 $ 73,41 $ 2300 1,689 68 Questions? Visit www.Discover.com or call I -800-DISCOVER (1-800.347-26831. DISCOVER: DISC VER tf pays to DISC VER AVAI SHAFFER Account number ending in 4249 page 2 of 3 Interest Charge Cakulation Your Annual Percentage Rate (APR) is the annual interest rate an your account Current billing Periodk 30 days TYPE OF BALANCE AANNUAAL PERCENTAGE SALAINTEEC7 E SUBJECT SECT TO RATE fE Purchases 9 99% $2,266 83 Cash Advances 9 99% $6,673 67 V = Variable Rate INTEREST CHARGE $18 61 $54 BO Additional Important Information. See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account Fast 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, IJT 84130-0421 In your letter, give us the following information A ccomnbubmition Your name and account number Dollar amount The dollor amount of the suspected error DAscrtption of Emblem 11 you think there is an error an your bill, describe what you believe is wrong and why you believe it is a mistake You must contact us within 60 days alter the error appeared on your statement You must notify us of any potential errors m writmq You may call us, but if you do we are not required to investigate any potential errors and you may have to poye 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 thot 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 Whsle you do not have to pay the amount in question, you are responsible for the remainder d your balance We can apply any unpaid amount against your credit limit Your Rights If You Are Dissatisfied With Your Credit Card Purchases 0 you are dissatisfied with the goods or services that you have purchased with your credit curd, and you have tried in good faith to correct the problem with the merchant, you may have the right not lo 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 shot sold you the goods or services ) 2 You must have used your credit card For the purchase Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify 3 You must not yet have fully pard for the purchase 0 all of the criteria above are met end you are still dissatisfied with the purchase, contact us in writing at Discover, PO Box 30945, Solt Lake City, UT 84130.0945 While we investigate, the same rules apply to the disputed amount as discussed above After we finish our investigation, we will tell you our decision At that point, if we think you owe an amount and you do not pay we may report you as delinquent Payments. You may pay all or part of your Account balance at any time However, you must pay al least the Minimum Payment Due by the Payment Due Dale Send only your payment and the lop portion of this statement in the envelope provided Do not send cosh By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer Iron your account at the bnonaal institution indicated on your check or to process the payment as a check transaction If payment a processed as an electronic fund Transfer, the tronsfer 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, andyou will not receive your check back from your financial inshtutron The processing of your payment may be delayed if you send cash, correspondence ar other items with your payment, if you end the payment to any other address or if you use an envelope other than the ane provided Payments received in proper form at our processing Facility by 5PM local time on any day will be credited to your Account as of that day Payments received at our processing facility after SPM local time wit 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 30272958 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 Dote unless you request a recurring payment dale le, the 15th day of the month) that occurs before your Payment Due Date If yoar scheduled payment date falls an a weekend or bank holiday, your payment will be processed the business day, prior to the weekend or bank holiday In order to schedule monthly payments 6 telephone, you will need this statement and your bank account informahon You will be asked Io provide the last four (4F digits of the social seeunty number d the primary borrower By providing those numbers an your electronic signature, you will be agreeing la this authorization to allow us and your bank to deduct each payment you authonze, in the amount selected by you, from your bank account You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment You can cancel a scheduled payment by phone at 1.800.3472683 or by mail al 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 he You must ensure that sufficient funds are evadable in your bank account, and all transactions must comply with U S law You can set automatic payments For (i) statement New Balance, (n) statement Minimum Payment Due, flu) statement Minimum Payment Due plus a fixed dollar amount,.or (iv) a fixed dollar amount If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due lithe scheduled payment *greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement 1Fyour scheduled payment le greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance Your automatic pniyment amount may be less than the amount mdicored 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 0 Full Pay 0 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 flannelly 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 14850.5316 Please indicate your name, address, home telephone number and Account number Paying Interest: We begin to impose Interest Charges on all transactions from the Transaction Date for the transaction shown on your billing statement, unless a transaction is posted to your Account after the close of the billing period in which it occurs, in which case we begin to impose interest charges on that transaction from the first day of the billing period in which it is posted to your Account We continue to impose Interest Charges until the date you pay your entire New Balance shown on your billing statement by making payments or receiving credits If you paid the New Balance on your previous belting statement by the Payment Due Date shown on that billing statement, we will not impose Interest Charges on new purchases, that is, purchases lint appearing on the current billing statement, or any portion of a new purchase, paid by the Payment Due Date on your current billing statement We call this the "grace period It is not less than 25 days There is no grace perrod on balance transfers or cash advances As more fully described in the section of your Cardmember Agreement titled "Row We Apply Payments," we generally apply payments to your Account based on the APR applicable to the balance of each transaction category This mean that if you do not pay the New Balance on the current billing statement by the Payment Due Date shown on that billing statement, then, depending on the amount of your payment and the APRs on other balances, you may not get a grace period on neve purchases Annual Fee, If your Account has an annual fee, it will be billed at the beginning of each anniversary year your Account is open The amount of the fee appears on the statement when the fee is billed The annual fee is not refundable unless you notify us that you wish la dose your Account within 30 daye of the mailing or delivery date of the statement on which the fee is billed You will receive this refund even if you use your Card during that period How We Calculate Interest Charges • Daily Balance Method (including current transactions): We figure Interest Charges for each billing period To do this We calculate your Interest Charges separately for each balance subject to different terms (for example, standard purchases, standard cash advances and each purchase, balance transfer and cash advance balance subject to promotional terms) We refer to these balances as transaction categories We figure the "daily balance" for each transaction category To gel the "daily balance" we take the beginning balance for each day, add any new transactions and fees and any Interest Charges accrued on the previous day's daily balance We then subtract any credits and payments and make other adjustments (including those adjustments required in the section titled "Paying Interest') In calculating the daily balance For the first day of the billing period, we consider the "previous day's daily balance" to have been your balance on the last.day of your previous bilking period This gives us the daily balance for each transaction category We figure the Interest Charges on your Account by multiplying the daily balance For each transaction category by its doily periodic rate, for each day in the billing period The total Interest Charges for the billing period are the sum of the daily Interest Charges for each transaction category for each day during that billing period When we calculate daily balances, we add a new transaction as of the Transaction Date shown on your billing statement, unless the transaction is posted to your Account aper the close of the billingperiod in which d occurs, in which case the transaction will be added to the daily balance as of the first day of the bittg period in which 1 is posted to your Account Alt fees charged to your Account are added to the standard purchase hansoction category with the exception of Cash Advance Fees which are added to the applicable cash advance transaction category and Balance Transfer Fees which are added to the applicable balance transfer transaction category Credit Balances. If your Account hos a credit balance, the amount in shown on the front of your billing statement A credit balance 15 money that is owed to you You may make c.hnrges against this amount if your Account is open We will send you a rotund of any remaining balance of $1 00 or more atter 6 months, or as otherwise required by applicable low For TDD (Telecommunications Device for the Deaf) assistance, please call 1.800.347.7449. Discover may monitor and/or record telephone calls between you and Discover representottves for quality assurance purposes The Diecoverttscard is issued by Discover Bank, Member FDIC anontee 30272958 Questions? Visit www.Discover,com or call 1.800 -DISCOVER (1-800-347-26831. DISCOVER DISC VER Information For You Your next automatic minimum payment of $ 177 00 will be on 12/30/10 Any payments made prior to the date will be applied towards your mmimum payment due Any credits applied to your Account for the billing cycle reflected on this statement may lower your minimum payment due and thus the scheduled DirectPoy amount 30272958 21gAtiglesdtTIM F' RMATION ,. DISCOVER DISC VER New Balance Minimum Payment Due 38,820.58 3175.00 Payment Due Dale February 7, 2011 AVA I SHAFFER 105 ARNOLD RD ENOLA PA 17025-2102 Address, e-mail or telephone change Go to www.Discover.com or print change in space above Account Number ending in 4249 Enter Amount Enclosed Below Thank you for your DirectPay automatic payment Your next automohc ayment of $ 175 00 will be on 01/30/1 f See Trransochons section for additional details PO BOX 71084 CHARLOTTE NC 28272-1084 000001986618065818689088205800000000017500 Opening Date: December 13, 2010 - Closing Date; January 12, 2011 Discover More Card Account Summary Account number ending in 4249 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Interest Charged Fees Charged New Balance 38,876 87 177 00 + 45 55 + 000 + 000 + 75 16 + 000 $8,820 58 See Interest Charge Cakulahon section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $9,100 00 $279 00 $2,300 00 $23 00 You may be able to avoid Interest Charges, see Additional Important Information for details Cashback Bonus' Anniversary Month September Opening Cashback Bonus Balance $ 42 32 New Cashback Bonus This Period + 0 11 Cashbeck Bonus Balance $ 42.43 re iearr, maw Urn+ alwww.Discover,com 3 Easy Ways to Contact Us 1 Access your account securely at www.Discaver.com 2 Call I-800•DISCOVER (1.800.347.2683 Please have your Discover€ card available 3 Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197-6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1.800-347-7449 page 1 of 3 Payment Information New Balance $8,820 58 Minimum Payment Due $175 00 Payment Due Date February 7, 2011 Late Payment Warning: If we do not receive your minimum payment by the dote listed above, you may have to pay a hale fee of up to $35 00 and your purchase and balance transfer APRs for new tronsachons may be increased up to the Penally APR of 14 99% variable Minimum Payment Warning: If you make only the minimum payment each period, you will poy more in interest and it will take you longer to pay off your balance For example If you make no additional charges using this Card and each month you pay You will pay df ' the balance shown pit this *dement In afsaut Arid you will end up paying an •estimated tat4l 9f .. Only the minimum payment 49 years $50,407 $321 3years $11,541 Savings = $38,956 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 fo pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth more%M —find easy ways to earn and redeem cash rewards NIEWI Access your account securely through your mobile phone Transactions Trans. Post Date Date Payments and Credits Dec 30 Dec 30 PHONE PAYMENT - THANK YOU $ -17700 Merchandise Dec 28 Dec 28 STAPLES 00108274105 HARRISBURG PA $ 45 55 X272958 Interest Charged TOTAL FEES FOR 11415 PERIOD INTEREST CHARGE ON PURCHASES $ 0,00 $ 18 06 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadable, password protected statements • See your statement as soon as it's available rather than wail for d 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 Discover.com/paperless 4:20100rxaver Hunk Meoriber FDIC PAVER 0310 Transactions (cont.) Interest Charged Trans. Past Date Date INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD $ 5710 0 00 75,16 2011 Totals Year -to -Date 30272958 TOTAL FEES CHARGED IN 2011 0 00 TOTAL INTEREST CHARGED IN 2011 75 16 Questions? Visit www.Discover.com or call I -800-DISCOVER (1-800-347-26831. DISCOVER DISC VER tl pnys rc DISC VER' AVA I SHAFFER Account number ending in 4249 poge2of3 Interest Charge Calculation Your Annual Percentage Rale )APR) is the annual interest rate on your account Current Billing Period: 31 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE ) AECTSUBEECTTO RATE RAT Purchases 9 99% $2,127 29 Cash Advances 9 99% $6,729 61 V = Variable Rate INTEREST CHARGE $18 06 $57 10 Additional Important Information, See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report rmmedIatelyt 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 informed= Your name and account number Dollar amount The dollar amount of the suspected error Descrrpt�n of Pro blet If you think there is an error on your bill, describe what you believe is wrong and why you believe II 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 sviltirig 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 toay the amount in question, you are responsible for the remainder of your balance We can apply any unpaidamountagainst 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 an the purchase To use this right, all of the following must be true 1 The purchase must have been mode in your home state or within 100 miles of your current mailing address, and the purchase puce must have been more than $50 (Note Neither of these are necessary if your purchase was based on on advertisement we mailed to you , or if we own the company that sold you the goods or services 2 You must have used your credit cord for the purchase Purchases made with cash advances from an ATM or with a check that accesses your credit card rccountt 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 Atlhat point, if we think you owe an amount and you do not pay we may report you as delinquent Payments. You may pay all or port of your Account balance at any time However, you must pay at least the Minimum Payment Due by the Payment Due Date Send only your payment and the lop 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 kir the amount of the check When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your cxawnt as soon as the some day we receive your payment, and you wrIl not reserve your check hack from your financial institution The processing of your payment may 6e 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 al our processing facility by 5PM local time on any day will be credited to your Account as of that day Payments recened 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 30272958 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER ( You tan 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 o customer service representative by calling I.800-347.2683 Automahc 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 busyness 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 Yov will be asked to provide the last four.(4) digits of the social security number of the primary borrower By providing those number as your electronic signature. you will be agreeing to this authorization to allow us and your bunk to deduct eoch payment you authorize, m 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 al 1.800.347.2683 or by mail at Discover, PO Box 30421, Salt Lake City UT 84130.0421, however we must receive notice at leant three business days in advance of the scheduled payment If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be You must ensure that sufficient Funds are available in your bank account, and all transactions must comply with U S law You can set automatic payments For (r) statement New Balance, lit) statement Minimum Payment Due, lin) statement Minimum Payment Due plus a fixed dollar amount, or liv) a fixed dollar amount If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement If your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credits or payments ager 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 0 Full Pay 0 Min Pay ❑ Min Pay + $ 0 Fixed Pay$ Bonk Routing # Bank Account # Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payments, missed payments, or other defaults on your Account may be reflected in your credit report We normally report the status and payment hiztory•of your Account to credit reporting agencies troth month IF you believe That our report is inaccurate or incomplete, please write us at the following address Discover, PO Box 15316, Wilmington, DE 19850.5316 Please indicate your name, address, home telephone number and Account number Paying Interest: We begin to impose Interest Charges on all transactions from the Transaction Dale for the transaction shown on your billing statement, unless a transaction is posted to your Account atter the dose of the billing period rn which i occurs, in which case we begin to impose interest charges on that transachon from the first day of the billing period in which it is posted to your Account We continue to impose Interest Charges until the data you pay your entire New Balance shown on your billing statement by making payments or receiving credits IF you paid the New Balance on your previous ladling statement by the Payment Due Date shown on that billing statement, we will not impose Interest Charges on new purchases, that is, purchases first appearing on the current billing statement, or ant portion of a new purchase, paid by the Payment Due Deleon your current billing statement We call this the 'grace period 11 a not less than 25 days There is no grace period on balance transfers or cash advance, As more fully described in the section of your Cardmember Agreement titled "How We Apply 'Payments," we generally apply payments to your Account based on the APR applicable to the balance of each tronsactron category This means That if you do not pay the New Balance on the current billing statement by the Payment Due Dale shown on that billing statement, then, depending on the amount of your payment and the APRs on other balances, you may not get a grace penod on new purchases Annual Fee. 1f your Accounthas an annual fee, 11 will be billed at the begimmnof each anniversary yearour Account w open The amount of the fee appears on the statement when the tee IS bitted The annual fee is not refundable unless you notifyus that you wish to close your Account within 30 days of the mailing or delivery date of the statement on which the fee is bed You will receive this refund even if you use your Cord during that period Flow We Calculate interest Charges • Daily Balance Method (including current transactions): We figure Interest Charges for each billing period To do Ibis We calculate your Interest Charges separately for each balance subject to different terms For example, standard purchases, standard cash advances and each purchase, balance transfer and cash advance balance sublecr to promotional terms) We refer to these balances as transaction categories We figure the "daily balance" for each transaction category To get the "daily balance" we take the beginning balance For each day, add any new transactions and fees and any Interest Charges accrued on the previous day's daily balance We then subtract any credits and payments and make other adjustments (including those adjustments required in the section titled "Payingfnlerest") )n cok:ulotmg the daily balance for the first day of the billing penod, we consider the "previous day's daily balance" to have been your balance on the last day of your previous 'billing period This gives us the daily balance For each transaction category We.h ire the Interest Charges on your Account by multip' g the daily balance for each transaction category by its daily periodic rate, for each day in the billing penod The total Interest Charges for the billing period are the sum of the daily Interest Charges for each transaction category for each day during that billing period When we calculate daily balances, we add a new transaction as of the Transaction Date shown on your billing statement, unless the transaction rs posted to your Account after the close of the billing penod in which it occurs, in which case the transaction will be added to the darty balance as of the first day of the billing period in which it is posted layout Account All fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Pees which are added to the applicable cash advance transaction category and Balance Transfer Fees which are added to the applicable balance transfer tionsactron category Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement A credit balance ts 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 esker 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 Discoverfbcard is issued by Discover Bank, Member FDIC reiteeiee 30272958 QUesfions? Visit www.Discover.com or tail 1.800 -DISCOVER (1-800-347-2683). DISCOVER DISC VER New Balance Minimum Payment Due 88,544.77 $170,00 Payment Due Dale March 7, 2011 AVA I SHAFFER 105 ARNOLD RD ENOLA PA 17025-2102 Address, e-mail or telephone change) Go to www.Discover.com or print change in space above Account Number ending in 4249 Enter Amount Enclosed Below Than you for your.DireclPay automatic payment Your next automaticpayment of $ 170 00 will be on 02/28/11 See Transactions section for additional details PO BOX 71084 CHARLOTTE NC 28272-1084 000001986618065818689085447700175000017000 Opening Date: January 13, 2011 - Closing Date: February 12, 2011 Discover More Card Account Summary Account number ending in 4249 Previous Balance Payments And Credib Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $8,820 58 350 00 + 0 00 + 000 + 0 00 + 0 00 + 74 19 $8,54477 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 $9,100 00 $555 00 $2,30000 $23 00 You may be able to avoid Interest Charges, see Additional Important Information far detads Cashback Bonus* Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance le teem mole ion marwww.Diseover.eom Anniversary Month September $ 42 43 + 0 72 $ 43.15 3 Easy Ways to Contact Us 1 Access your account securely al www.Diseever.emn 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 60 1 9 7-6 1 03 For TDD (Telecommunications Device for the Deaf( assistance, please call 1-B00-347-7449 page 1 of 2 Payment Information New 8olance $8,544 77 Minimum Payment Due $170 00 Payment Due Date Mardi 7, 2011 Late Payment Warning: If we do not receive your minimum payment 6y the dote hied above, you may have to pay a ole 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 14 99% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and II writ take you longer to pay off your balance For example If y-oii [Hake no additional charges using thi; caand" an each month you pay You will pay off the balance shown On this statement In a roil And you will end up paying an estrmafed total sf : Only the minimum payment 49 years $48,560 $313 3years $11,258 (Savings a $37,302 ) f you would like information about credit counseling services, call I -B00.347-1 121 Manage Your Account Online at www.Discover.com Access free online toots like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily hack 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 Trans. Vete Payments and Credits Jan 30 Feb 7 Valle Jan 30 PHONE PAYMENT - THANK YOU Feb 7 PAYMENT • THANK YOU $ -175 0D -175 00 Fees 30272958 Interest Charged TOTAL FEES FOR THIS PERIOD $ 0.00 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES $ 16 60 57 59 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC•VER Paperless statements mean less clutter, more convenience lastly access up to 24 months of downloadable, password protected statements • See your statement as soon as it's available rather than wail for tt 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 anyhme • Sign up today al Discover.com/paperless R:2010 Dasenus Bink Member F0C PAPER 03 10 Transactions (cont.) Interost Charged Trans. Post Date Date INTEREST CHARGE ON BALANCE TRANSFERS 000 TOTAL INTEREST FOR THIS PERIOD 7419 2011 Totals Year -to -Date TOTAL FEES CHARGED IN 2011 TOTAL INTEREST CHARGE IN 2011 30272958 $ 000 149 35 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800.347.2683). DISCSVER DISC VER h pnys 10 DISC VER AVA I SHAFFER Account number ending in 4249 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rale (APR) is the annual interest rate on your account Current Billing Period: 31 days TYPE OF BALANCE ANNUAL PERCENTAGE NINCSUBJECT TECT TOATINTEREST AE Purchases 9 99% $1,956 87 Cash Advances 9 99% $6,786 94 V = Variable Rate INTEREST CHARGE $16 60 $57 59 Information For You Your next automatic minimum payment of $ 170 00 will be on 02/28/1 I Any payments made prior to this date will be cspptred towards your minimum payment clue Any credits applied to your Account for the billing cycle reflected on this statement may lower your minimum payment due and thus the scheduled DireciPay amount Additional tmporttantInformation See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account Lost er stolen cards. Report immedialelyl Coil 1.800.347-2683. What To Doff 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 behave. is wrong and why you believe 1 is a mistake You must contact us within 60 days after the error appeared on your statement You must notify us of any potential errors in writing You may call us, but if you do we are not required to investigate any potential error and you may have to pay the amount in question While we investigate whether or not there has been an error, the following ore true We cannot try to collect the amount in question, or report you as delinquent on that amount The charge in question may remain an your statement, and we may continue to charge you interest on that amount But, 4 we determine that we made o mistake, you will not have to pay the amount in question or any interest or other fees related to that amount While you do not hove to pay the amount in question, you are responsible for the remainder of your balance We can apply any unpaid amount against your credit limit Your Rights if You Are Dissatisfied With Your Credit Card Purchases II you are dissatisfied with the goods or services that you have purchased with your credit cord, and you have tried in good Faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, all al 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 1Note Norther of these are necessary if your purchase was based on an advertisement wo mailed to you , or 4 we own the company that sold you the goods or services ) 2 You must have used your credit cord For the purchase Purchases made with 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 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 paint, if we think you owe an amount and you do not pay we may report you os delinquent Payments. You may pay all or part of your Account balance at any trine 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 instiluhen 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 buck from your financial instduhan 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 ether 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 30272958 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER 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 1-800.347-26(13 Aulomohc payments will be deducted on the Payment Due Date unless you request a recurring payment date to g , the 151h day of the month) that occurs before your Poyment Due Date II your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business dayrior to the weekend or bank holiday In order to schedule monthly payments bytelephone, you will need this statement and your bank account information Yov will be asked to provide the last four (4) digits of the social seeunty number of the primary borrower By providing those number: as your electronic signature, you will be agreeing to This authorization to allow us and your bank lo deduct each payment you authorize, in the amount selected by you, from your bank account You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct on error in the processing of such payment You can 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 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 willbe made and how much it will be You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U S law You can set automatic payments for (i) statement New Balance, (n) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (ru} a fixed dollar amount II your scheduled fixed payment rs not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment forthat month will be increased to cover the Minimum Payment Due If the scheduled payment ss greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement IFyour scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance Your automatic payment amount may be less than the amount indicated on the periodic statement based on credits or payments after the Closing Date If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records Amount [] Full Pay 0 Min Pay 0 Min Pay + 3_. 0 Fixed Pay$ Bank Routing R , Bank Account et 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 creditrepoil We normally report the status and payment history of your Account to credit reporting agencies each month if you believe that our report rs inaccurate or incomplete, please write us at the following address Discover, PO Box 15316, Wilmington, DE 10850.5316 Please indicate your name, address, home telephone number and Account number Paying Interest: We begin to impose interest charges on o transection, fee or interest charge from the day we add it to the daily balance We continue to impose interest charges until you pay the total amount you owe us You can avoid paying interest on Purchases as described below However, you cannot avoid paying interest on Balanee Transfers or Cash Advances How to Avoid Paying Interest on Purchxes ("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 no impose interest charges on new Purchases or ony 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 bilking 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 gel a grace period on new Purchases How We Calculate Interest Charges • Daily Balance Method lintluding 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 Casts Advances and different promotional balances, such as Balance Transfers Haw 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 odd 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 be your Account We subtract any new credits and payments We make other adjustments (including those adluslments required in the "Paying Interest" section) How We Figure Your Total Interest Charges We multiply the daily balance for each Transachen Category by its daily periodic rate We do this For each day in the bitting period This gives us the interest charges for each Transection 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 Foes We add Balance Transfer Fees to the applicable Balance Transfer Transaction Cotegary We add Cash Advance Fees to the applicable Cash Advance Transaction Category We add all other fees to the standar d Purchase Transaction Category Balance Sublets to Interest Rote. Your statement shows a Balance Subject to Interest Rate It shows this for each transaction category The Balance Subject to Interest Rate is the average of the daily balances during the billing period Credit Balances. 11 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 Accaunr is open We will send you a refund of any remaining balonce of $1 00 or more after 6 months, or as otherwise required by applicable low For TDD (Telecommunications twice For the Deafl assistance, please call 1.800.347.7449. Discover may monitor and/or record telephone colts between you and Discover representatives for quality assurance purposes The Discoveru'card is issued by Discover Bonk, Member FDIC RZiwnaol 30272958 Questions? Visit www.Dlscovor,com or call 1 -800 -DISCOVER (1.800-347.2683 . DISCOVER' DISC VER New Balance Minimum Payment Due $8,812.05 $175.00 Paymerit Due Dale April 7, 2011 AVA I SHAFFER 105 ARNOLD RD ENOLA PA 17025-2102 Address, e-mail or telephone changes' Go lo www.Discover.com or print change in space above Account Number ending in 4249 Enter Amount Enclosed Below 1 Thank you for your DirectPay automatic payment Your next automatic payment of $ 175 00 will be on 03/28/11 See Transactions section for additional details PO BOX 71084 CHARLOTTE NC 28272-1084 000001986618065818689088120500000000017500 Opening Date: February 13, 2011 - Closing Date: Mar h 12, 2011 Discover More Card Account Summary Account number ending in 4249 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $8,544 77 170 00 + 369 90 + 0 00 + 0 00 + 0 00 + 67 38 $8,812 05 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 $9,100 00 $287 00 $2,300 00 $23 00 You may be able to ovoid Interest Charges, see Additional Important information for details Cashback Bonus' Opening Cashback Bonus Balance New Cashback Bonus This Penod Cashback Bonus Balance To icor,, no Ina m uiwww.Discover.com Anniversary Month September $ 43 15 + 091 $ 44.06 3 Easy Ways to Contact Us 1 Access your account securely al www.Discover.com 2 Call t -800 -DISCOVER 11.800.347-2683 Please have your Drscover�card available 3 Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 (Nlot a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, 1L 60197-6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800.347-7449 page 1 of 2 Payment Information New Balance $8,812 05 Minimum Payment Due $175 00 Payment Due Date April 7, 2011 Late Payment Warning: If we do not receive your minimum payment 6y 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 14 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 l f yav make no' additional charges using this Katd and each month you pay l'0u will pay off .the. balance Chown An this statement iin about ;And you will end' r up payrnn an estrinafed Iola, cif , Only the minimum payment 50 years $52,221 $323 3 years $11,642 {Savings = $40,579 ) 1 you would like information about credit i.ounseling 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 bilin online and easily hack 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 Trans. Post Date Date Payments and Credito Feb 28 Feb 28 PHONE. PAYMENT - THANK YOU $ -170 00 Merchandise 302729668 Feb 11 Feb 16 Feb 16 Feb 24 Feb 13 LTD COMMODITIES BANNOCKBURN IL Feb 16 PAMELA'S FLOWERS ENOLA PA Feb 16 RITE AID ENOLA PA Feb 24 WAL.MART SC . 41370 BULLHEAD CITYAZ $ 17160 3) 27 20 65 33 98 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less duffer, more convenience Easily access up to 24 months of downloadable, password protected statements • See your statement as soon as it's available rather than wail for it to arrive in your mailbox. • Get helpful payment reminders Through e.morl or text messages on your mobile phone • Print a paper copy of your statement anytime • Sign up today at Discovercom/paperless z:miLOncow_rbug. Membe,f0'C MVO: 0310 Transactions Trans. Post (cont.) Dale Date Merchandise Mar 4 Mar 4 RITE AID ENOLA PA $ 55 83 Travel/Entertainment Feb 22 Feb 22 HARRAHS LAUGHLIN GIFISHO LAUGHLIN NV 16 50 Feb 23 Feb 23 HARRAHS LAUGHUN GIFTSHO LAUGHUN NV 10 81 Services Feb 23 Feb 23 GRAND CANYONWESTRE TAIL PEACH SPRINGSAZ 29 26 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD $ 14 9.5 52 43 000 67.38 2011 Totals Year -to -Date TOTAL FEES CHARGED IN 2011 $ 0 00 TOTAL INTEREST CHARGED IN 2011 216 73 30272958 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER DISC VER It pnys to DISC VER' AVA I SHAFFER Account number ending in 4249 page 2of2 Interest Charge Calculation Your Annual Percentage Rate IAPR1 is the annual interest rate an your account Current Billing Period: 28 days TYPE OF BALANCE ANNUAL PERCENTAGE RESTSUBJECT TO RATE NTE Purchases 9 99% $1,949 83 Cash Advances 9 99% $6,841 96 V = Variable Rale INTEREST CHARGE $14 95 $52 43 Information For You Your next automatic minimum payment of $ 175 00 will be on 03/28/11 Any payments made prior to thus dale will be applied towards your minimum payment due Any credits applied to your Account for the billing cycle reflected on this statement may loweryour minimum payment due and thus the scheduled DirectPay amount Additional Important Information See your Cardmember Agreeunent. Your Cardmember Agreement contains oll 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, gyve us the following information Account iniwmatrort Your name and account number Dollar amount The dollar amount of the suspected error Descrrpfron of Problem II 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 urnount But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount While you do not hove to pay the amount in question, you are responsible for the remainder of your balance We can apply any unpaid amount agonist your credit limit Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissahsfied'with the goods or services that you have purchased with your credit cord, and you have tried to good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right. all of the following must be true 1 The purchase must have been made in your home state or within 100 miles of your current marling address, and the purchase price must have been mare than $50 (Note Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services ) 2 You mist have used your credit card for the purchase Purchases made with cash advances from cm 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 gall of the criteria above are met and you are still dissatisfied with the purchase, contact w 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 of any time However, you must pay at least the Minimum Payment Due by the Payment Due Date Send only your payment and the tap portion of this statement in the envelope provided Do not sand 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 lorm at our processing tomtit), by 5PM local time on any day will be credited to your Account or, of Ihot clay 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, sand 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 30272958 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 o customer service representative by calling 1.800.347.2683 Automatic payments will be deducted on the Payment Due Dale unless you request a recurring payment dale (e g , the 1 Sth day of the month) that occvrs before your Payment Due Date if your scheduled payment date Fails on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments b telepphone, you will need this statement and your bank account rnformatton 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 elecfronic 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 debut 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 1.84M347.2683 or by mail at Discover, PO Box 30421, Soli lake City, UT 84130.0421, however we must receive notice at least three business days in advance of the scheduled payment If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U S law You can net automatic payments for (i) statement New Balance, (n) statement Minimum Payment Due, )rill 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 *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 en credits or payments after the Closing Date IF you enroll by phone in our automatic payment service, please Wien the Following blanks below and retain the authorization for your records Amount ❑ Full Pay Min Pa y ❑ Mm Pay + $tJ Fixed Payb�-.__�___, 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 aedit report We narmolly report the status and payment history of your Account to credit reporting agencies each month If you believe that.our report rs inaccurate or incomplete, please write us at the following address Discover, PO Box 15316, Wilmington, DE 19850.5316 Please indicate your name, address, home telephone number and Account number Paying Interest: We begin to impose interest charges on transaction fee or interest charge from the day we add it to the daily balance We continue to impose interest charges until you pay the total amount you owe us You can amid 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 hdimg period by first hgunngg the 'daily balance" for each Transaction Category Transaction Categories include standard Purchases, standard Coat Advances and different promotional balances, such as Balance TransFers How Wo Figure the Daily Balance for Each Transaction Category We start with the beginning balance for each dayThe beginning balance For the First day of the billing period is your balance on the last day of your previous billng period We add any interest charges.accrued on the previous day's daily balance and any new transactions and fees We add any new transactions or fees as of the later of the Transaction Date or the first day of the billing period rn which the transaction or fee posted to your Account We subtract any new credits and payments We make other.adlustments (including those adjustments required m the "Paying Interest" section) How We Figure Your Toted Interest Charges We mulhply the darty 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 Transaclion Category by 365 We odd up all the daily interest charges The sum is the total interest charge For the bitting period Haw 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 stondai d Purchase Transaction Category Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate It shows this far eaeh transaction category The Balance Sublect to Interest Rate is the average of the daily balances during the billing period Credit Balances. If your Accovnt has a credit balance, the amount is shown on the front of your billing statement A credit bolence 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 can 1-800-347.7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes The Drscoverrncard w issued 6y Discover Bonk, Member FDIC RZNFEOU i 30272958 Questions? Visit www.Dlscover.eom or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER DISC VER New Balance Minimum Payment Due. $8,738.30 $174.00 Payment Due Bute May 7, 2011 AVA I SHAFFER 105 ARNOLD RD ENOLA PA 17025-2102 Address, e-mail or telephone change2 Go to www.Discover.com or punt change to space above Account Number ending in 4249 Enter Amount Enclosed Below $I Thank you for your DirectPay automatic payment Your next automaircpayment of $ 174 00 will be on 04/30/11 See Transactions section for additional details PO BOX 71084 CHARLOTTE NC 28272-1084 000001986618065818689087383000000000017400 Opening Date: March 13, 2011 - Closing Date: April 12, 2011 Discover More Card Account Summary Account number ending in 4249 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $8,812 05 175 00 + 26 92 + 0 00 + 0 00 + 0 00 + 74 33 $8,738 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 $9,100 00 $361 00 $2,300 00 $23 00 You may be able to ovoid Interest Charges, see Additional Important Information for details Coshback Bonus') Opening Cashback Bonus Balance New Cashbook Bonus This Period Cashback Bonus Balance to tom+ mane Inc in ui www.pleeover.cem Anniversary Month September $ 44 06 + 0 06 $ 44.12 3 Easy Ways to Contact Us I Access your account securely at www.Discover.com 2 Call 1.800 -DISCOVER (l-800.347-2683) Please have your Discoveriy card available 3 Write to us at Discover, PO Box 30943, Safi Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 6019711103 For TDD (Telecommunications Device for the Deal) assistance, please call 1-800-347-7449 ge 1 of 2 Payment Information New Balance $8,738 30 Minimum Payment Due $174 00 Payment Due bate May 7, 2011 late Payment Warning: If we do not receive your minimum payment by the date Bated above, you may have to pay a late fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penally APR of 14 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 olf your balance Far example I Eye& make 'no - additional charges using this card and ea4i month you pay You will pay off the balance shown esn Ihts stattrnorlt in about And yCu wAI end up ?clime un cktuAaied total of : Only the minimum payment 50 years $52,335 $322 3years $11,606 lSovrngs = $40,727 ) 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 toils like Paydown Planner to create a plan to pay down your balance, secuiely access statements, pay bills online and easily track all transactions Make your money worth more sm.—find easy ways to earn and redeem cash rewards RIE WI Access your account securely through your mobile phone Transactions Trans. Past Date Dab Payments and Credits Mar 28 Mar 28 PHONE PAYMENT. THANK YOU $ -17500 Merchandise Apr 9 Apr 9 RITE AID ENOLA PA 30272958Apr 9 Apr 9 RITE AID ENOLA PA Foes TOTAL FEES FOR THIS PERIOD $ 7 39 19 53 $ 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 o paper copy of your statement anytime • Sign up today at Discover.com/paperless 5.7010 Dnrruu 6mk /Amber fTYC PAVER. 07 10 Transactions (cont.) Interest Charged Trans. Post Date Dote INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD 15 81 58 52 000 74,33 2011 Totals Year -to -Date 30272958 TOTAL FEES CHARGED IN 2011 S 000 TOTAL INTEREST CHARGED IN 2011 291 06 Questions? Visit www.Discovor.com or call 1.800 -DISCOVER (1-800-347-2683). DISCOVER: DISC VER li pays to DISC %/Eli' AVA 1 SHAFFER Account number ending in 4249 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rale )APR) is the annual interest rate on your account Current BiRing Period: 31 Boys TYPE OF BAIANCE Purchases Cash Advances V = Variable Rate AA ANNUAL PERCENTAGE 9 99% 9 99% BALANCE SUBJECT TO INTEREST RATE $1,863 87 $6,897 42 INTEREST CHARGE $15 81 $58 52 Information For You Your next automatic minimum payment of $ 174 00 will be on 04/30/11 Any payments made prior to this date will be applied towards your minimum payment due Any credits applied to your Account for the billing cycle reflected on this statement may lower your minimum payment due and thus the scheduled DireclPay amount Additional Important Information See your Cardmembar Agreement. Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report rmmediatelyl Coll 1400.347.2683. What To Do if You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at Dncover, PO Bax 30421, Salt lake City, UT 84130.0421 in your letter, give us the following information Account rnlbrmafion Your name and account number Dollar amoun! The dollar amount al the suspected error Descnphon of Problem If you think there rs 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 an your statement You must notify us of any potential errors in writing You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question While we investigate whether or not there has been an error, the following 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 Ihot we made o mistake, you will not have to pay the amount in question or any interest or other fees related to that amount While you do not hove fo 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 II you are dissatisfied with the goods or services that you have purchased with your credit cord, and you have tried in good Faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, all of the following must be true 1 The purchase must have been made in your horse state or within 100 miles of your current mailing address, and the purchase pnce must have been more than $50 Note Neither of these are necessary d your purchase was based on an advernsement we mailed to you , or if we own the company that sald 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 coterie above are met and you are still dissatisfied with the purchase, contact es in writing at Discover, PO Box 30945, Salt lake City, UT 84130-0945 While we investigate, the same rules apply to the disputed amount as discussed above After we finish our investigation, we will tell you our decision At that point, if we think you owe an amount and you do not pay we may report you as delinquent Payments. You may pay all or part of your Account balance at any time However, you must pay at least the Minimum Payment Due by the Payment Due Dote Send only your payment and the top portion of this statement in the envelope provided Do not send cash By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction If payment is processed as an electronic fund transfer, the transfer will be for the amount of the check When we use information from your check to make on electronic fund transfer, funds may be withdrawn from your account as soot 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 Poyments 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 al our processing Facility after 5PM local time will be credited to your Account as of the next day If you hove misplaced your envelope, send your payment to Discover, PO Box 6103 Carol Stream, IL 60197-6103 Please allow 7.10 days for delivery If your payment is returned unpaid, we reserve the right in resubmit it as an electronic debit 30272958 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 ar you can setup automatic payments through a customer service representative by calling 1.800347.2683 Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment date lag the 15th day of the month( that occurs before your Payment Due Date If your scheduled payment dale 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 paymentsby 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 ihoae numbers as your electronic signature. you will be agreeing to this authorization to ullow 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 opplicable, to correcr an error in the processing of such payment You con cancel a scheduled payment by phone at 1.830000 347.2683 or by mall at Discover, PO Box 30421, Solt Lake City, UT 84130.0421, however we must receive notice at least three business days in advance of the scheduled payment If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U S law You can set automatic payments for (I) statement New Balance, (n) statement Minimum Payment Due, lei) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly belling statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due If rhe 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 Cayment amount may be less than the amount indicated on the periodic statement based on credits or payments after the losing 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 0 Min Pay + $ 0 Fixed Pay$ Bank Routing it Bank Account # Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payments, missed payments, or other defaults on your Account may be reflected In your credit report We narmol`y 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, hometelephone number and Account number Paying Interest We begin to impose interest charges an a transaction fee or interest charge from the day we add it to the dally 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 an Balance Transfers or Cash Advances How to Avoid Paying Interest on Purchases ("Grace Period") If you paid the New Balance on your previous billing statement by the Payment Due Date shown an 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 dayThe beginning balance for the first day of the billing period is your balance on the Iasi day of your previous billng period We add any interest charges accrued on the previous days daily balance and any new fronsactions and fees We add any new transactions or fees as of the later of the Transaction Dale or the first day of the bulling period in which the transaction or fee posted to your Account We subtract any new credds 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 bulling period This gives us the interest charges for each Transaction Category To get a dally 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 tots) 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 appbcoble 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 put poses The Discoveratcard is issued by Discover Bank, Member FDIC eZMF EOQI 30272968 Questions? Visit www,Discover.com or call 1 -800-DISCOVER (1-800.347-2683). DISC•VER DISC VER New Balance Minimum Payment Due $8,682.29 $173.00 Payment Due Date June 7, 2011 AVA !SHAFFER 105 ARNOLD RD ENOIA PA 17025-2102 Address, email or telephone change Go to www.D'rscover.com or pnrd change in space above Account Number ending in 4299 Enter Amount Enclosed Below Thank you for your DiredPay automatic payment Your next outomatic yment of $ 173 00 will be on 05/30/11 See Trransactions section for addihanal detail: PO BOX 71084 CHARLOTTE NC 28272-1084 000001986618065818689086822900000000017300 Opening Date: April 13, 2011 - Closing Date: May 12, 2011 Discover More Card Account Summary Account number ending in 4249 Previous Balance Payments And Credos Purchases Balance Transfers Cash Advances Fees Charged Interest Charged Nlew Balance 38,738 30 17400 + 46 28 + 0 00 + 0 00 + 0 00 + 7171 38,682 29 See Interest Charge Calculation section following transections for detailed APR information Credit Line Credit Line Availoble Cash Advance Credit Line Cash Advance Credit Line Available $9,100 00 30 00 $2,300 00 $0 00 You may be able to avoid Interest Charges, see Additional Important Information for details Cashback Bonus* Opening Cashback Bonus Balance New Cashback Bonus This .Period Cashback Bonus Balance ra learn mates lou in arwww.Discover.cons Anniversary Month Septem6or $ 0 00 + 0 00 $ 0.00 3 Easy Ways to Contact Us 1 Access your account securely at www.Discaver,com 2 Call 1.800•DISCOVER 11.800.347.2683) Please have your Discoveriecard avaiIobfe 3 Write to us at Discover, PO Box 30943, Solt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197-6103 For TDD (Telecommunications Device for the Deaf( assistance, please call 1-800.347-7449 page 1 of 2 Payment information New Balance $8,682 29 Minimum Payment Due $17300 Payment Due Date June 7, 2011 Lata Payment Warning: If we do not receive your minimum payment 6y the data 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 14 99% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and d will take you longer to pay off your balance For example Ifyou make no additional charges ovrig 'hi; turd and each month you pay !You will pay off the. balaece shown *rr Ihis 1Latementf to about And you will ork ' up paying tin Intrrnofed ietgl o)• , Only the minimum payment 50 years $52,661 $322 3yeers $11,596 Savings = 341,065 1 f you would like mfarmohon about credit aunselmg services, call 1-800-347-1121 Manage Your Account Online at www.Discovor.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth mores+ ^---find easy ways to earn and redeem cash rewards NEM Access your account securely through your mobile phone Transactions Payments and Credits Trans. Past Date Date Apr 29 Apr 29 PHONE PAYMENT - THANK YOU $ -174 00 Merchandise Apr 16 Apr 16 BUILOABEAR WRKSHP 0251 CAMP HILL PA 000035 30272968 Fees $ 46 28 TOTAL FEES FOR THIS PERIOD $ 0,00 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER n 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 wart for it to arrive in your mailbox. • Gel 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 Discaver com/paperless t.201U 0arrver Ban* Member fa'< PAPER 0310 Transactions (cont.) interest Charged Trans. Post Data Date INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD $ 14 60 57 11 0 00 71.71 2011 Totals Year -to -Date TOTAL FEES CHARGED IN 2011 TOTAL INTEREST CHARGED IN 2011 30272958 S 0 00 362 77 Questions? Visit www.Discover.com or call I -800 -DISCOVER (1-800-347-2683). DISC*VER DISC VER h Pays to DISC VER' AVA I SHAFFER Account number Briding in 4249 page2of2 Interest Charge Calculation - Your Annual Percentage Rate (APRT is the annual interest rate an your account Current Billing Period: 30 days TYPE OF BALANCE AAANNUTE AAPL PERCENTAGE BALANCE SATE ECT TO Purchases 9 99%RR) $1,778S 30 Cash Advances 9 99% $6,955 22 V = Variable Rale INTEREST CHARGE $14 60 $57 11 Information For You Your next automatic minimum payment of $ 173 00 will be on 05/30/11 Any payments made prior to this date will be applied towards your minimum payment due Any credits applied io your Account far the billing cycle reflected on this statement may lower your minimum payment due and thus the scheduled DirectPay amount Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards, Report immediately' Coll 1.800.347.2683. What To Do if You Think You Find A Mistake On Your Statement if you think there is an error on your statement, write to us at Discover, PO Box 30421, Salt Lake City, UT 84130.0421 to your letter, give us the following information Account information Your name and account number Dollar amount The dollar amount of Ilse suspected error Descrrpfron of Problem If you think there is an error on your bill, destnbe who' 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 requited to investigate any potential errors and you may have lo pay the amount in question While we Investigate whether or not (here has been an error, the following are hue We cannot try to collect the amount in queshon, or report you as delinquent on that amount The charge in question may remain on your statement, and we may continue to charge you interest on that amount But, if we determine that we made o mistake, you will not have to pay the amount in question or any interest or other Fees related lo that amount While you do not hove to pay the amount in question, you are responsible for the remainder of your balance We can apply any unpaid amount against your credit limit Your Rights if You Are Dissatisfied With Your Credit Card Purchases if you are dissatisfied with the goods or services that you have purchased with your credit cord, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, all of the following must be true 1 The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must hove been more then $50 (Note Neither of (hese are necessary if your purchase was bated on an advertisement we marled to you , or if we own the company that sold you the goods or services ) 2 You must hove used your oedt card for the purchase Purchases made with cash advances from on ATM or with a check that accesses your credit card account do not qualify 3 You must not yet have fully paid for the purchase If ail of the criteria above are met and you are still dissatisfied with the purchase, contact as in writing at Discover, PO Box 30945, Salt lake Orly, 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 puri of your Account balance at any time However, you must pay ai least the Minimum Payment Due by the Payment Due Date Send only your payment and the tap portion of this statement in the envelope provided Do not send cash By sending your check as described above, you authorize us to use rnformatton 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 poyment 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 bock from your financial institution The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, rf you send the payment to any other address or if you use an envelope other than the one provided Payments received in proper Form at our processing facility by SPM local time on any cloy will be credited to your Account as of that day Payments received at our processing radii)/ after 5PM local tune 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 refurned unpaid, we reserve the right to resubmit it as an electronic debut 30272958 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed yovr current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1.800.347-2683 Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment date (e , the 15th dayof the month) that occurs before your Payment Due Date If your scheduled payment dote Falls on a weekend or bank holiay, your payment will be processed the business day prior to the weekend or•bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those number as your electronic signature. you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, rn 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 11 5 law You can set automatic payments for III statement New Balance, (u) statement Minimum Payment Due, (m) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due If the scheduled payment n greater than the Minimum Payment Due. any excess will be applied in accordance with your Cordmember Agreement It your adteduled payment is greater than the Now Balance on your billing statement, that payment will be processed only for the amount of your New Balance Your automatic ayment amount may be less than the amount indicated on the periodic statement based on credits or payments after the C losing 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 Amour ❑Full Pay ❑ Mm Pay CI Min Pay + $ ❑ Fixed Bank Routing # Bank Account # Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payments, missed payments, or other defaults on your Account may be reflected in your credit report We narmolly report thestatus and payment history of your Account to credit reporting agencies each month IF you believe that ow report is inaccurate or incomplete, please write us at the following address Discover. PO Box 15316, Wilmington, DE 19850-5316 Please indicate your name, address, home telephone number and Account number Paying Interest We begin to impose interest charges on transaction Fee or interest charge from the day we add it to rhe daily balance We continue to impose interest charges until you pay the total amount you owe us You can avoid paying interest on Purchases as described below However, you cannot avoid paying interest on Balance Transfers or Cosh Advances How to Avoid Paying interest on Purchases ("Grace Period") If you paid the New -balance on your previous billing stotement 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 tatement New Purchases are Purdtases that first appear on the current billing statement Row 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 now 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 os 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 int 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 adluslments (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 Haw 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 feesto the standard Purchase Transaction Category Balance Subject a 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 killing period Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement A credit balance is money that is owed to you You may make charges against this amount if your Account is open We will send you a refund of any remaining balance of $1 DO or more after 6 months, or as otherwise required by applicable jaw For TDD (Telecommunications Device for the Deaf) assistance, please call 1.800.347.7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes The Discover'card is issued by Discover Bank, Member FDIC RZNFE001 30272958 Questions? visit www.Discover.com or call I -800-DISCOVER (1-800-347-26831. DISCOVER DISC VER New Balance Minimum Payment Due S13,582.98 $ 171.00 PaymenT Due Dale July 7, 2011 AVA 1 SHAFFER . 105 ARNOLD RD ENOLA PA 17025-2102 Address, e-mail or telephone changee Go to www.Discover,com or print change in space above Account Number ending to 4249 Enter Amount Enclosed Below Thank you for your DuedPay automatic payment Your next automatic_payment of $ 171 00 will be on 07/07/11 See Transactions section for additional details PO BOX 71 084 CHARLOTTE NC 28272-1084 000001986618065818689085829800000000017100 Opening Date: May 13, 2011 - Closing Date: June 12, 2011 Discover More Card Account Summary Account number ending in 4249 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $8,682 29 173 00 + 0 00 + 0 00 + 0 00 + 0 00 + 73 60 $8,582 98 See Interest Charge Calculation sechon following transachons for detailed APR information Credit line Credit Line Available Cosh Advance Credit Line Cash Advance Credit Line Available $9,100 00 $0 00 $2,300 00 $0 00 You may be able lo avoid Interest Charges, see Additional Important Information for details ' Cashback Bonuse Opening Cashback Bonus Balance t'lew Cashbook Bonus This Period Cashback Bonus Balance fa'aarn mare bpm of www.Dlscever.wm Anniversary Month September $ 0 00 + 0 00 $ 0.00 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover,com 2 Call I -800 -DISCOVER (1.800.347.2683) Please have your 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, Coral 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 $8,582 08 Minimum Payment Due $171 00 Payment Due Date July 7, 2011 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35 00 and your purchase and balance transfer APRs for new transoctions may be increased up to the Penalty APR of 14 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 la pay off your balance For example IFyou rake 'no additional charges using this Card and each month you pay Yau will pay off ilia borksece shown ;on This, statement le. abor4 And you will end up paying an estimated total Q} , Only the minimum payment 50 years $52,492 $320 3 vears $1 1.532 (Savings >; $40,960) 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 lo pay down your balance, securely access statements, pay bilis ontire and easily track all tiansachons Make your money worth more 6M --find easy ways to earn and redeem cash rewards NEWT Access your account securely through your mobile phone Transactions Trans. Post Date Dale Payments and Credits Jun 7 Jun 7 PHONE PAYMENT - THANK YOU $ -173 00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 111123d8 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS $ 14 18 59 51 0 00 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER 11 DISC VER it pays to DISC VER' AVA 1 SHAFFER Account number ending in 4249 page 2of2 Interest Charge Calculation Your Annual Percentage Rate CAPRI is the annual interest rate on your account Current Billing Period: 31 days TYPE OF BALANCE Purchases Cash Advances V = Variable Rate AANNUAALPERCENTAGE RMP 9 99% 9 99% BALANCE SUBJECT TO INTEREST RATE $1,671 00 $7,013 52 INTEREST CHARGE $14 18 $59 51 Information For You Your next automatic minimum payment of 3 171 00 will be on 07/07/11 Any payments made prior to this date will be applied towards your minimum payment due Any credits applied to your Account for the billing cycle reflected on this statement may lower your minimum payment due and thus the scheduled DirectPay amount 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 chink 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 Luke 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 to a mistake You must contact us within 60 days after the error appeared on your statement You must notify us of any patenhal 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 art error, the following are true We cannot fry to collect the amount in question, or report you as delinquent on that amount The charge in question may remain on your statement, and we may continue to charge you interest an that amount But, if we determine that we made o mistake, you will not have to pay the amount in question or any interest or other fees related to that amount While you do net hove to pay the amount in question, you are responsible for the remainder of your balance We can apply any unpaid amount against your credit limit Your Rights if You Are Dissatisfied With Your Credit Card purchases 11 you are dissatisfied with the goods or services that you have purchased with your credit cord, and you have Tried in good .Faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use thus right, all of the fallowing 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 hove fully paid for the purchase If all of the criteria above are met and you are still dissabsfred with the purchase, contact es 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 al least the Mrmmum Payment Due by the Payment Due Dote Send only your payment and the top portion of this statementin 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 finanaal institution indicated an your check or to process the payment os a check Transaction IF payment is processed as an electronic fund transfer, the transfer will be for the amount of the check When we use information from your check to make an electronic Fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution The processing al your payment may be delayed if you send cash, correspondence or other items with your payment, it you send the payment to any other address or if you use an envelope other than the one provided Payments received rn proper form al our processing facility by 5PM local lime on any day will be credited to your Account as of that day Payments received d our processing facility after 5PM local time willI 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 30272958 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER ( Yov can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling I-800.347.2683 Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment date (a 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 dayprior to the weekend or bank holiday In order to schedule monthly payments bytelephone, you will need this statement aridyourbank account informahon You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those number an your electronic signature, you will be agreeing to the 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 debut or credit entries to your hank account, as applicable, to courect an error in the processing of such payment You can cancel a scheduled payment by pitons at 1.800.347.2683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 84130.0421, however we must receive notice ot1east 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 set automatic payments for (r) statement New Balance, (u) statement Minimum Payment Due, (nil statement Minimum Payment Due plus a fixed dolor amount, or (iv) a fixed dollar amount IF your scheduled frxed 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 grecater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement Ir your scheduled payment is greater than the New Balance on your biting statement, that payment will be •processed only for the amount of your New Balance Your automatic Cayment amount maybe less than the amount indicated on the penodtc statement based on credits or payments after the losing Date If you enroll by phone in our automatic payment service, please Kin the following blanks below and retain the authorization for your records Amount ❑ Full Pay ❑ Min Pay 0 Mm 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 credrt report We =molly report the status and payment history of your Account to credit reporting agencies each month If you believe that our report is inaccurate or incomplete, please write us at the following address Discover. PO Box 15316, Wilmington, DE 19850.5316 Please indicate your name, address, home telephone number and Account number Paying Interest: We begin to impose interest charges on a transaction fee or interest charge from the day we add it to the daily balance We continue to impose interest charges until you pay the total amount you owe us You con avoid paying interest on Purchases as described below However, you cannot avoid paying interest on Balance Transfers or Cosh Advances How to Avoid Paying interest on Purchases ("Grace Period") If you paid the New Balance on your previous billing statement by the Payment Due Dote shown on that billing statement, we will not impose Interest charges on new Purchases or any portion of o new Purchase, paid by the Payment Due Date on your current billing statement Now Purchases are Purchases that first appear on the current billing statement How We Apply Payments May Impact Your Orae 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 0 grace period on new Purchases How We Calculate lnterost Charges • Daily Balance Method 'including current transactions): We calculate interest charges each billing period by First figuring the "daily balance" for eoch 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 daily balance and any new transactions and fees We add any new transactions or lees as of the later of the Transaction Dote or the first day of the billing period in which the transaction or fee posted to your Account We subtract any new credits and payments We make other odlustments (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 thus 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 fess to the standard Purchase Transaction Category Balance Subject to Interest Rate, Your statement shows a Balance Subject to Interest Rare It shows this for each transaction category The Balance Subject to Interest Rate is the average of the daily balances during the billing period Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement A credit balance is money that is owed to you You may make changes against this amount if your Account is open We will send you a refund of any rerrmmmg 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 eaO 1.800.347.7444. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes The Discovere'card is issued by Discover Bank, Member FDIC CZNFE00I 30272958 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800.347-2683). DISC*VER DISC VER New Balance $8,482.45 AVA 1 SHAFFER 105 ARNOLD RD ENOLA PA 17025-2102 Minimum Payment Due. $169.00 Payment Due Time August 7, 2011 Address, e-mail or telephone changeR Go to www.Discover,com or pnnt change in space above Account Number ending in 4249 Enter Amount Enclosed Below Thank you for your DirectPay automatic payment Your next automatic payment of $ 169 00 will be on 08/07/11 See Transactions section for additional details PO BOX 71084 CHARLOTTE NC 28272-1084 000001986618065818689084824500000000016900 Opening Date: June 13, 2011 - Closing Date: July 12, 2011 Discover More Card Account Summary Account number ending in 4249 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $8,582 98 171 00 + 0 00 + 0 00 + 0 00 + 0 00 + 70 47 $8,482 45 See Interest Charge Calculation section following transections lar detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credri Lirie Available $9,100 00 $0 00 $2,300 00 $0 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 Penod Cashback Bonus Balance ra learn mare keg in of www.Discover.com Anniversary Month September $ 000 + 000 $ 0.00 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call 1.800•DISCOVER (1.800.347.2683 Please have your Discavere card available 3 Write to us at Weaver, PO Box 30943, Salt Lake City, UT 84130 (Nota payment address) For payments, please send to address on remittance or Discover, PO Box 6103, carol Stream, IL 60197-6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449 page 1 of 2 Payment Information New Balance $8,482 45 Minimum Payment Due $169 00 Payment Due Date August 7, 2011 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may hove 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 14 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 Fyou!make no pdditianal ehoryes using this Sord arid each month you pay :You will pay off Thebalance shown `;ort this statement 40.4:11:,00p And you will erld up paying Till estenaled Mal of Only the minimum payment 50 years $52,324 $318 3 years $11,465 Savings = $40,859 ) 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 bill•, online and easily track oil transactions Make your money worth mores!^• ---find easy ways to earn and redeem cash rewards NEWI Access your account securely through your mobile phone Transactions Trans. Post Date Date Payments and Credits Jul 7 Jul 7 PHONE PAYMENT - THANK YOU $ -171.00 Fees TOTAL FEES FOR THIS PERIOD $ 0,00 "3O298 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS $ 12 40 5807 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 email or text messages on your mobile phone • Print o paper copy of your statement anytime • Sign up.today at Discaver.com/paperless fl:2010 orsco.er Duni Member FOA: PAPER 0310 Transactions cont.) Trans. Post Data Date Interest Charged TOTAL INTEREST FOR THIS PERIOD .t 7047 2011 Totals Year -to -Date TOTAL FEES CHARGED IN 2011 TOTAL INTEREST CHARGED IN 2011 30272958 $ 000 506 93 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER DISC VER' it pays to DISC NMI' AVA 1 SHAFFER Account number ending in 4249 poge 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account Current BUling Portod; 30 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO RATE (APR) INTEREST RATE Purchases 9 99% $1,510 60 Cash Advances 9 99% $7,072 31 V = Variable Rate INTEREST CHARGE $12 40 $58 07 Information For You Your next automatic minimum payment of $ 169 00 will be on 08/07/11 Any payments made prior to this date will be applied towurds your minimum payment due Any credits applied to your Account for the billing cycle reflected on this statement may lower your minimum payment due and thus the scheduled DirectPay amount 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 nome and account number Dollar amount The dollar amount of the suspected error Doscriptson of Problem If you think there is an error on your bill, describe what you believe is wrong and why you believe d is a mistake You must contact us within 60 days after the error appeared an your statement You must notify us of any potential errors in writing You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question While we investigate whether or not there has been an error, the following ore hue We cannot try to collect the amount in question, or report you as delinquent on that omaunt 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 wo made o mistake, you will not have to pay the amount in question or any interest or other fees related to that amount While you do not hove to pay the amount in question, you are responsible for the remainder of your balance We can apply any unpaid amount against your credit lima Your Rights if You Are Dissatisfied With Your Credit Card Purchases 0 you are dissatisfied with the goods or services that you have purchased with your crodit cord, and you have tried in good Faith to correct the problem with the merchant, you may hove the right not to pay the remaining amount due on the purchase To use this right, all of the following must be hue 1 Ihe 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 thon $50 (Note Neither of these are necessary if your purchase wa: based on an advertisement we mailed 10 you , or if we own the company that sold you the goods or services ) 2 You inusl have used your credit card for therchase Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not quakily 3 You must not yet have fully paid for the purchase If all of the arteria above are met and you are still dissatisfied with the purchase, contact us in wrihng at Discover, PO Box 30945, Salt lake City, UT 84130-0945 While we investigate, the same rules apply to the disputed amount as discussed above Aker we finish our investigahon. we will tell you our decision At that point, 1 we think you owe an amount and you do not pay we may report you as delinquent Payments. You may pay all or part of your Account balance at any time However, you must pay of least the Minimum Payment Due by the Payment Due Dote Send only your payment and the top portion of this statement in the envelope provided De 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 sante day we receive your payment, and you will not receive your check buck from your Financial tnahtuhen The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment la any ocher address or if you use an envelope other than the one provided Payments received in proper form al 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 focrfity after 5PM local tune will be credited to your Account as of the next day If you have misplaced your envelope, send your payment to Discover, PO Dax 6103 Carol Stream, IL 60197.6103 Please allow 7-10 days for delivery If your payment is r" etuurned unpaid, we reserve the right to resubmit it as on electronic debit 30272958 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 an the Payment Due Date unless you request a recurring payment dote le g, 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 ar bank holiday In order to schedule monthly payments by telephone, you will need This statement and your bank account information You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature. you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account You also authorize us to initiate debit or credit entries to your bank account. as applicable, to correct an error in the processing of such payment You can cancel a scheduled payment by phone at 1.800.347-2683 or by mad at Discover, PO Box 30421, Salt Lake City, UT 84130.0421, however we must receive notice at least three business days in advance of the scheduled payment If your payments moy vary in amount, we will fell you on each monthly billing statement when your payment will be made and how much it will be You must ensure that sufficient funds are available in your bank account, and all transactions must comply with US low You can set automatic payments for (i) statement New Balance, (n) statement Minimum Payment Due, (in) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount if your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing •ratement, 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 ager 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 0 Min Pay + $ Li Fixed Pay$ Bank Routing # Bank Account # frequency Credit Reporting. We may report information about your Account to credit bureaus late payments, missed payments, or other defaults on your Account may be reflected in your credit report We norrnolly report the status and payment history of your Accounpt 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 ono transaction, fee or interest charge from the day we add it to the daily balance We confine to impose interest charges until you pay the total amount you owe us You con avoid paying rnlerest on Purchases as described below However, you cannot avoid paying interest on Balance Transfers or Cash Advances How to Avoid Paying Interest on Purchcces ("Grace Period") If you pard the New Balance on your previous .billing statement by the Payment Due Dote shown on that billing statement, we will not Impose interest charges on new Purchases or any portion of o new Purchase, paid by the Payment Due Date on your current billing statement New Purchases are Purchases that first appear on the current billing statement Flow 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 got a grace period on new Purchases How We Calculate Interest Charges • Dally Balance Method {including current transactions): We calculate interest charges each billing period by first figuring the "daily balance" for each Transaction Cole9oiy 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 perrnd We add any interest charges accrued on the previous day's daily balance and any new transactions and fees We odd any new transachons or fees as of the later of the Transaction Date ar 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 Inteiest" 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 tate APR that applies to the Transaction Category by 365 We add up all the darty 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 oll other fees to the standard Purchase Transaction Category Balance Subject to InterestRale. Your statement shows a Balance Subject to interest Rare It shows this for each transoctton category The Balance Soiled to Interest Rate is the average of the daily balances during the bulling 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 rf 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 far the Deaf) assistance, please call 1800.347.7449. 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 RzreteaU 1 30272958 Questions? Visit www.Dlscover,com or call 1 -800 -DISCOVER (1-800-347-2684 DISCOVER DISC VER New Balance Minimum Payment Due, $8,385,43 $167,00 Payment Due flute September 7, 2011 AVA 1 SHAFFER 105 ARNOLD RD ENOLA PA 17025-2102 Address, e-mail or telephone change* Go to www.Discover.com or print change in space above Account Number ending In 4249 Enter Amount Enclosed Below Thank you for your DirectPay automatic payment Your next automatic payment of $ 167 00 will 6e on 09/07/11 See Transactions section for additional details PO BOX 71084 CHARLOTTE NC 28272-1084 000001986618065818689083854300025000016700 Opening Date: July 13, 2011 - Closing Date: August 12, 2011 Discover More Card Account Summary Account number ending in 4249 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $8,482 45 169 00 + 0 00 + 0 00 + 000 + 000 • 71.98 $8,385 43 See Interest Charge Calculation section following transachons for detailed APR information Credit fine Credit line Available Cash Advance Credit Line Cash Advance Credit Line Available $9,10000 $000 $2,300 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 Cashbook Bonus Balance To Worn more tog rt, ei www.Discover.com Anniversary Month September $ 0 00 + 0 00 $ 0.00 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call l.800.0ISCOVER j1.800.347.26831 Please have your Discoverocard available 3 Write to us of Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197-6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800.347-7449 page 1 of 2 Payment Information New Balance $8,385 43 Minimum Payment Due $167 00 Payment Due Date September 7, 2011 Late Payment Warning: If we do nM receive your mmrrnum payment by the date listed above, you may have to pay a late fee of up lo $35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penally APR of 14 99% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example Ifyou snake 'no addikanal charges usmgthis card and each month you pay :You will pay off ' Shebalance shown -on Ihis statement :(p alsoul And you Will and up paying an 9strmcifed total oF'. Only the minimum payment 50 years $52,159 $317 3 years $11,404 Savings = $40,755 ) 1 you would tike 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 N ---find easy ways to earn and redeem cash rewards NEW! Access your account securely through your mobile phone Transactions Payments and Credits Trans. Post Date Date Aug 5 Aug 5 PAYMENT - THANK YOU Aug 7 Aug 7 PHONE PAYMENT . THANK YOU $ -25 00 •144 00 Foes 30272968 Interest Charged TOTAL FEES FOR THIS PERIOD INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES $ 0.00 $ 11 47 6051 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean Tess clutter, more convenience Easily access vp to 24 months of downloadable, password protected statements • 5ee 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 Discaver.com/paperless 2:29 0 Oncawr dant Member FDL PAPER 0310 Transactions Trans. Post (cont) Data Date Interest Charged INTEREST CHARGE ON BALANCE TRANSFERS $ 0 00 TOTAL INTEREST FOR THIS PERIOD 71.98 2011 Totals Year -to -Date TOTAL FEES CHARGED IN 201 I TOTAL INTEREST CHARGED IN 2011 30272958 $ 000 578 91 Questions? Visit www.Discover.com or call 1.800 -DISCOVER (1-800-347-26831. DISCOVER DISC VER 11 pays to DISC VER' AVA I SHAFFER Account number ending in 4249 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account Current Billing Periods 31 days TYPE OF BAL4NCE Purchases Cash Advances V e Variable Role ANNUAAL PERCENTAGE RATE (9 99% 9 99% BAIANCE SUBJECT TO INTEREST CHARGE INTEREST RATE $1,351 44 $11 47 $7,131 59 $60 51 Information For You Your next automatic minimum payment of $ 167 00 will be on 09/07/11 Any payments made prior to this date will be applied towards your minimum payment due Any credits applied to your Account far the billing cycle reflected on this statement may lower your minimum payment due and thus the scheduled DirectPay amount Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report immediately) Call I-800.347.2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error an your statement, write to us at Discover, PO Box 30421, Salt Lake City, UT 841 30.0421 In your letter, {five 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 behave it is a mistake You must contact us within 60 days after the error appeared on your statement You must notify us of any potential errors in writing You may call us, but 4 you do we are not required to investigate any potentia 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 10 charge you interest on that amount But, iF we determine that we mode o mistake, you will not have to pay the amount in question or any interest or other Fees related to that amount While you do not hove to pay the amount to 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 ti you are dissatisFred with the goods or services that you have purchased with your credit card, and you have tried m 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 muni be true 1 The purchase must have been made in your home state ar within 100 miles of your current mailing address, and the purchase pnce must have been more than $50 (Note Neither of these ale necessary 4 your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services ) 2 You must have used your credit card for the purchase Purchases made with 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 cntena above are mat and you are still dissatisfied with the purchase, contact us in wnhng at Discover, PO Box 30945, Soli Lake City, UT 84130-0945 While we investigate, the same rules apply to the disputed amount as discussed above After we finish our investigation, we will tell you our decision At that point, if we think you owe an amount and you do not pay we may report you as delinquent Payments. You may pay all or part of your Account balance at any time However, you must pay at least the Minimum Payment Due by the Payment Due Date Send only your payment and the tap portion of this statement in the envelope provided Do not send cash By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account al the financial institution indicated on your check or to process the payment 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, con'espondence or other items with your payment, if you end the payment to any other address or if you use an envelope other than the one provided Payments received in proper form at our processing facility by SPM local time on any 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 Pleose allow 7-10 days For delivery If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit 30272958 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 lapthe 151h da of the month) that occurs before your Payment Due Dais If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked lo provide the last four (4) digits of the social security number of the primary borrower By providing those numbers an your electronic signature, you will be agreeing to this authon2ation 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 busmen 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, Cul statement Minimum Payment Due, lin) 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 *greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement If your scheduled payment is greater than the New Bolance on your billing statement, that payment will be processed only for the amount of your New Balance Your automatic Cayment amount may be less than the amount indicated on the periodic statement based on credits or payments after the losing 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 ElMrn Pay ❑Mtn Pay + $ ❑ Fixed Bank Routing # , Bank Account # Frequency Credit Reporting. We may report information about your Account to credit bureaus Loge payments, missed payments, or other defaults on your Account may be reflected in your credit report We narmally report the status and payment history of • - your Account to credit reporting agencies each month Ifou believe that our report is inaccurote 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 an Balance Transfers or Cash Advances How to Avoid Paying Interest on Purchases ("Grace Period") If you paid the New Balance an your previous billing statement by the Payment Due Dote shown on that billing statement, we will not impose interest charges on new Purchases or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement New Purchases are Purclroses 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 hill 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 Cakulato Interest Charges • Daily Balance Method (including current transactions): We calculate interest charges each billing period by first hgunngg the "daily balance" for each Transaction Category Transaction Categories include standard Purchases, standard Castt Advances and different promotional balances, such as Balance Transfers How We Figure the Doily Bolance for Each Transaction Category We start with the beginning balance for each day The beginning balance for the But 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 odlustments (including those adjustments required in the "Paying Interest" section) How We Figure Your Total Interest Charges We multiply the dailybalance for each Transaction Category by its daily periodic rate We do this For each day in the billing period Tis 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 Cosh Advance Transaction Category We add all other fees to the standard Purchase Transaction Cotegory Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate It shows this for each transaction category The Balance Subject to Interest Rate is the average of the daily balances during the billing period Credit Balances. II your Account has a credit balance, the amount is shown on the front of your billing statement A credit balance is money that is owed to you You may make charges against.this amount if your Account is open We will send you a refund of any remaining balance of $1 00 or more after 6 months, or as otherwise required by applicable law For TDD ffefecenununications Device far 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 30272958 Questions? Visit www,Dlscovar.com or call 1.800 -DISCOVER (1-800-347-2683). DISCOVER DISC VER New Balance Minimum Payment Due, $8,289..59 $165,00 Payment Due T7ale October 7, 2011 AVA 1 SHAFFER 105 ARNOLD RD ENOLA PA 17025-2102 Address, e-mail or telephone changee Go to www.Discover.com or print change in space above Account Number ending to 4249 Enter Amount Enclosed Below Thunk you for your DireclPay automahc payment Your next automatic ppayment of $ 165 00 will be on 10/07/1 I See Transactions section for additional details PO BOX 71084 CHARLOTTE NC 28272-1084 000001986618065818689082895900000000016500 Opening Date: August 13, 2011 - Closing Date: September 12, 2011 Discover More Card Account Summary Account number ending in 4249 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $8,385 43 16700 + 0 00 + 0 00 t 000 + 0 00 + 71 16 $8,289 59 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 $9,100 00 $0 00 $2,300 00 $0 00 You may be able to avoid Interest Charges, see Additional Important Information for details Cashback Bonus° Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance To morn mare log in of www.Discover.com Anniversary Month September $ 0 00 + 0 00 $ 0.00 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call 1.800•DISCOVER (1.800347.2683) 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 Deefl assistance, please call 1-800347-7449 page 1 of 2 Payment information New Balance $8,289 59 Minimum Payment Due $165 CO Payment Due Date October 7. 2011 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $3S 00 and your purchase and balance transfer APRs for new transactions maybe increased up to the Penalty APR of 14 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 u5019 this toad and each month you pay You wilipay off thebalance shown •on Ih,s afateMert fa aliaUt And you' ill end up paying on estrm4ied t01411 9) , Only the minimum payment 50 years $51,997 $315 3years $11,345 Savings = $40,652 1 1 you would like information about credit ounseling services,. call 1-800-347-1121 Manage Your Account Online at www.Discover.com Access Iree online tools like Paydown Planner to create a plan toay down your balance, securely access statements, pay brill online and easily track all transactions .Make your money worth more M --find easy ways io earn and redeem cash rewards NEWI Access your account securely through your mobile phone Transactions Payments and Credits Trans. Date Sep 7 Post Date Sep 7 PHONE PAYMENT - THANK YOU $ -16700 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 100 2918 8 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS $ 1014 61 02 0 00 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean Tess clutter, more convenience Easily access up to 24 months of downloadable, password protected statements • See your statement as soon as it's available rather than wail for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone • Print a paper copy of your statement anytime • Sign up today at Discover.com/paperless 4:20101h:corer But* Member FIYi PAPER 03 t0 Transactions (cont.) Trans, Post Date Date Interest Charged 2011 Totals Year -to -Date 30272958 TOTAL INTEREST FOR THIS PERIOD $ 71,16 TOTAL FEES CHARGED IN 2011 TOTAL INTEREST CHARGED IN 2011 $ 0 00 650 07 Questions? Visit www.Discover,com or call 1.800 -DISCOVER (1-800-347-26831. DISCOVER DISC VER ti sows to DISC VER' AVA I SHAFFER Account number ending in 4249 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rale (APR) is the annual interest rale on your account Current Billing Period: 31 days TYPE OF BALANCE ANNUAL PERCENTAGE ALAN T SUBJECT 10 INTEREST CHARGE RARATE Purchases 9 99% $1,195 26 $10 14 Cash Advances 9 99% $7,192 34 $61 02 V = Variable Rate Information For You Your next automatic minimum payment of $ 165 00 will be an 10/07/11 Any payments made prior to this date will be applied towards your minimum payment due Any credits applied to your Account for the billing cycle reflected on this statement may lower your minimum payment due and thus the scheduled DuectPay amount Additional Important Information See your Cardmember Agreement, Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report immediately! Coll 1.800.347.2683. What to Do If You Think You Find A Mistake On Your Statement If you think there is 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 nome and account number Dollar amount The dollar amountofthe suspected error Descnptron of Problem If you think there is an error on your bill, describe what you believe is wrong and why you believe d 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 calf 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 an 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 few related to that amount While you do not hove 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 hove the right not to pay the remaining amount due on the purchase To use this right, all of the following muss be true 1 The purchase must have been made in your home state or within 100 miles of your current marling address, and the purchase price must have been more Than $50 (Note Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own Iho 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 win wrihng at Discover, PO Box 30945, Salt Lake City, UT 84130-0945 While we investigate, the same rules apply to the disputed amount as discussed above After we finish our investigation, we will tell you our decision At that point, if we think you owe an amount and you do not pay we may report you os delinquent Payments, You may pay all or part of your Account balance ut any time However, you must pay at teat the Minimum Payment Due by the Payment Due Date Send only your payment and the fop portion of this statement in the envelope provided Do not send cash By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction 11 payment is processed as an electronic fund transfer, the transfer will be for the amount of the check When we use information from your check to make an electronic Fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check bock from your financial institution The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment in any other address or if you use an envelope other than the one provided Payments received in proper form al our processing facility isy 5PM local lime on any day will be credited io your Account as of That day Payments received at our processing facility aher 5PM local time will be credited to your Account as of the next day If you hove misplaced your envelope, send your payment to Discover, PO Box 6103, Corot Stream, IL 60197.6103 Please allow 7-10 days For delivery If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit 30272958 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 o 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 oecurs before your Payment Due Date If your scheduled payment dale falls on a weekend or bank holiday, your payment will be processed the busyness 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'nlormahon 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, horn 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 841 30-04 2 1, however we must receive notice at feast 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 automahc payments for (i) statement New Balance, (n) statement Minimum Payment Due„/Iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount If your scheduled fixed payment is not enotqh to cover the Minimum Payment Due as fisted on yaw monthly billing statement, your scheduled payment For that month will increased to cover the Minimum Payment Due If the scheduled payment *greater than the Minimum Payment Due, any excess will be aged in accordance with your Cardmember Agreement Iryour scheduled payment is greater than the New Balance on yourr billing statement, that payment will be processed only for the omount of your New Balance Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credits or payments eller the Closing Date If you enroll by phone in our automatic payment service, please fi1Mn the Following blanks below and retain the authorization for your records Amount 0 Full Pa ❑ Min Pay 0 Min Pay + $ 0 Fixed Pay$ Bank Routing # Bank Account # Frequency Credit Reposing. Wemay report information about your Account to credit bureaus late payments, missed payments, or other defaults on your Account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agencies each month IF you believe that our report is inaccurate or incomplete, please write us at the Following address Discover, PO Box 15316, Wilmington, DE 198505316 Please indicate your name, address, home telephone number and Account number Paying Interest: We begin to impose Interest charges on transaction fee or 'merest charge from the day we add it to the doily balance We:conlinue 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 Bulonce on your previous billing stotement by the Payment Due Dote shown on that billing statement, we will not impose interest charges on new Purchases or anyportion of a new Purchase. paid by the Payment Due Date on your cement billing statement New Purchases are Purc}tases 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 an the balance to which we apply your payment, you may not get a grace period on new Purchoses How We Calculate Interest Charges • Daily Balance Method (including current transactions): We calculate interest charges each bdl'ngperiod by first flaming 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's your balance on the last day of your previous tilting period We add any interest charges accrued on the previous day's daily balance and any new transactions and fees We add any new transactions or fees as of the later of the Transaction Dote or the first day of the billing period in which the transaction or fee posted to your Account We subtract any new credits and payments We make other adjustments (including those odluslments required in the "Paying Interest' section) How We Figure Your Total lotorost Charges We multiply the daily balance For each Transaction Cntegory 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, WO coda Lha 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 Haw We lndude Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category We add Cash Advance Fees to the oppircable Cash Advance Transachon 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 Rote It shows this for each transaction category The Balance Subject to Interest Rate is the average of the daily balances during the biding period Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement A credit balance's 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 remaming balance of $1 00 or more after 6 months, or as otherwise required by applicable lino For TDD (Telecommunications Device for the Deaf) assistance, please call 1.800.347.7449. Discover may monitor and/or record telephone calls behveen you and Discover representatives for quality assurance purposes The Discover©card is issued by Discover Bank, Member FDIC RZNFEoc i 30272958 Questt011S? Visit www.Dlscover.com or call 1 -800 -DISCOVER (1-800-347.2684. DISCOVER DISC VER New Balance $8,192.66 AVA 1 SHAFFER 105 ARNOLD RD ENOLA PA 17025-2102 Minimum Payment Due: $163.00 Paymerit Due Dale November 7, 2011 Address, e-mail ortelephone changes Go 10 www,Discover.com or print change in space above Account Number ending in 4249 Enter Amount Enclosed Below Thank you for your DirectPay automatic payment Your next automatic payment of $ 163 00 will be on 11/07/11 See Transactions section For additional details PO BOX 71084 CHARLOTTE NC 28272-1084 000001986618065818689081926600000000016300 Opening Date: September 13, 2011 - Closing Date: Oc ober 12, 2011 Discover More Card Account Summary Account number ending in 4249 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $8,289 59 165 00 + 0 00 + 0 00 + 0 00 + 0 00 + 68 07 88,192 66 See Interest Charge Calculation section following transachons for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $9,100 00 $0 00 $2,300 00 $0 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 Cashback Bonus Balance 1'a learn mare ba ur ,iwww.Dliicover.eom Anniversary Month September $ 0 00 t 0 00 $ 0.00 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call I -800 -DISCOVER (1.800-347.26831 Please have your Dizcoverie 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, It 60197-6103 For T00 (Telecommunications Device For the Deaf) assistance, please call 1-800347-7449 page 1 of 2 Payment Information New Balance $8,192 66 Minimum Payment Due $163 00 Payment Due Date November 7, 2011 Lata Payment Warning: If we do not receive your minimum payment by the dale listed above, you may have to pay a late fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 20 24% 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 you make no additional charges using this Gard and each month you pay You will payoff the balance shown ;an 16 0010141 In 0140 ,And you Will End up paying an e.trrrsated total vl'... Only the minimum payment 50 years $51,837 $313 3years $11,284 Savings = $40,553 l f you would like information about credit counseling services, call 1-800.337-1121 Manage Your Account Online at www.Discover,com Access free online toots like Paydown Planner to create a plan to pay down your balance, securely access slnlements, pay bills online and easily track all transactions Make your money worth moreSM•. Find easy ways to earn and redeem cash rewards NEM I Access your account securely through your mobite phare Transactions Trans. Post Date Date Payments and Credits Oct 7 Oct 7 PHONE PAYMENT - THANK YOU $ -165 00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Ont uttei988 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS $ 8 52 59 55 000 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean fess 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 wad For it to arrive In your mailbox. • Gel helpful payment reminders through e•morl or text messages on your mobile phone • Print a paper copy of your statement anytime • Sign up today at Discaver.com/paperless 47010 Dlzriul hank hambcr FDC PAPER 0910 Transactions Trans. Post (cont.) Data Date Interest Charged 2011 Totals Year -to -Date 30272958 TOTAL INTEREST FOR THIS PERIOD $ 68.07 TOTAL FEES CHARGED IN 2011 TOTAL INTEREST CHARGED IN 2011 $ 0 00 718 14 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800.347.2683). DISC•VER DISC VER h pays 10 DISC VER AVAISHAFFER Account number ending in 4249 poge 2 of 2 Interest Charge Calculation Your Annual Percentage Rale (APR( is the annual interest rate on your account Current Billing Period: 30 days TYPE OF BALANCE ANNUAL E SLPERCENTAGE BALANCETECT TOAARAE Purchases 9 99% $1,036 93 Cash Advance; 9 90% $7,252 62 V = Variable Rate INTEREST CHARGE 38 52 $59 55 Information For You Your next automatic minimum payment of $ 163 00 will be on 11/07/11 Any payments made prior to this date will be applied towards your minimum payment due Any credits applied to your Account for the billing cycle reflected on this statement maylower your minimum payment due and thus the scheduled DirectPoy amount Additional Important information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account Lost or stolen cords. Report lmmedratelyl Coll 1800.347.2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at Discover, PO Box 30421, Salt lake City, UT 84130-0421 In your letter, give us the following information Account • information Your name and account number Dopar omounl The dollar amount of the suspected error Descnphon of Problem If you think there is an error on your bill, describe whet you believe is wrong and why you believe d is a mistake You must contact us within 60 days after the error appeared ort your statement You must notify us of any potential errors in wrihng You may call us, but if you do we are not required to investigate any potential errors •and you may hove to pay the amount in question While we investigate whether or not there has been an error, the following ore true We cannot Try 10 collect the amount in question, or report you as delinquent on that amount The charge in quer ion may remain on your statement, and we may continue to charge you interest an 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 10 that amount While you do not hove to pay the amount in queshon, 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 0 you are dissatisfied with the goods or seances that you have purchased with your credit cord, and you have tired 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 thus 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 marled to you , or if we own the compony that sold you the goods or services 1 2 You must have used your credit card for the purchase Purchases made with cash advances From an ATM of 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 aderra above are met and you are dill'dissahsfied with the purchase, contact us in writing at Discover, PO Box 30945, Salt Lake City, UT 84130.0945 While we investigate, the same rules apply to the disputed amount as discussed above After we finish our investigation, we will tell you our decision At that point, if we think you owe an amount and you do not pay we may report you os delinquent Payments. You may pay all or part of your Account balance at any tune However, you must pay al least the Minimum Payment Due by the Payment Due Dote Send only your payment and the top portion of this statement in the envelope provided Do not send cash By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial mstituhon indicated on your check or to process the payment as a check transaction IF payment 1s processed as an electronic fund transfer, the transfer will be for the amount of Me check When we use information from your check to make an electronic Fund transfer, funds may be withdrawn from your account as soon as the some day we receive your payment, and you will not receive your check back from your Financial institution The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or rl you use an envelope other than the one provided Payments received in proper form at our processing toady by 5PM local time on any day will be credited to your Account os of that day Payrnents received at our processing Faddy after 5PM local time will be credited to your Account as of the next day If you hove misplaced your envelope, send your payment to Discover, PO Box 6103 Carol Stream, IL 60197-6103 Please allow 7-10 days for delivery If your payment is returned unpaid, we reserve the ng(,t to resubmit it as an electronic debit 30272988 NOTICE SEE REVERSE SIDE'FOR IMPORTANT INFORMATION MOWER 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 Dale unless you request a recurring payment date (e gthe 15th dayof the month) that occur before your Payment Due Date If your scheduled payment date falls an a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly paymentstele hone, 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 authonze, in the amount selected by you, from your bank account You also authorize us lo indiate debit or credit entries to your bank account, as op icable, to correct an error in the processing of such payment You con cancel o scheduled payment by phone at 1.8.347.2683 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 ref you on each monthly billing statement when your payment will be made and how much it will he You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U S law YOU can set automatic payments for (i) statement New Balance, (n) statement Minimum Payment Due, fin) statement Minimum Payment Due plus a fixed dollar amount, or Iiv) 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 far that month will Be increased lo cover the Minimum Payment Due If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with yourCardmember Agreement IFyour scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only For the amount of your New Balance Your automatic Cayment amount may be less than the amount indicated on the periodic statement based on credits or payments ager the losing Date If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records Amount D Full Pay ❑ Min Pay ❑ 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 narmdlly 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 .is 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 an 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 nal impose interest charges on new Purchases or any porhan of a new Purchase. paid by the.Payment Due Dote on your current billing statement New Purchases are Purchases that first appear on the current billing statement How We Apply Payments May Impact Your Grace Period If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may not get o grace period on new Purchases How We Calculate Interest Charges • Daily balance Method (including current transactions): We calculate interest charges each billing period by first figuring the "daily balance" for each Transaction Category Transaction Categories include standard Purchases, standard Cadi 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 ony 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 tronsachon or Fee posted to your Account We subtract any new credits and payments We make otheradluslments (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 ds daily periodic rate We do this for each day in the bdlmn perrod This gives us the interest charges for each Transaction Category To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365 We add up all the daily interest charges The sum is the total interest charge for the billing period Haw We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category We add Cash Advance Fees to the applicable Cash Advance Transaction Category We add all other Fees to the standaid Purchase Transaction Category Balance Subject to Internet Rate. Your statement shows a Bolonce 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 b months, or as otherwise required by applicable law For TDD ITelecommunfcations 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 Discovetmcord is issued by Discover Bank, Member FDIC ez>ursoo 1 30272958 Questions? Visit www.Dfscover,corn or call I -800-DISCOVER (1-800.347-26831. DISCOVER DISC VER New Balance $8,184,67 AVA 1 SHAFFER 105 ARNOLD RD ENOLA PA 17025-2102 Minimum Payment Due. $171.00 Payrnerif Due 'Dale December 7, 2011 Address, email or telephone changee Go to www.Discover.com or print change in space above Account Number ending in 4249 Enter Amount Enclosed Below $� Thank you for your DirectPay automatic payment Your next outomatmcpoyment of $ 171 00 will be ort 12/07/11 See Transactions section fot additional details PO BOX 71084 CHARLOTTE NC 28272-1084 000001986618065818689081846700000000017100 Opening Date: October 13, 2011 - Closing Date: November 12, 2011 Discover More Card Account Summary Account number ending in 4249 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $8,192 66 163 00 + 0 00 + 0 00 + 0 00 + 0 00 + 15501 $8,184 67 See Interest Charge Calculation section following transactions for detailed APR Information Credit Line Credit Line Available Cash Advance Ciedd Line Cash Advance Credit line Available $9,100 00 $000 $2,300 00 $0 00 You may be able to avoid Interest Charges, see Additional Important Information for details Cashback Bonuse Opening Cashbook Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance Gi )earn mute login yr www.0Is over.eom Anniversary Month September $ 000 + 0 00 $ 0.00 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, Solt Lake City, LIT 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 $8,184 67 Minimum Payment Due $171 00 Payment Due Date December 7, 2011 Late Payment Warning: If we do not receive your minimum payment by the dale listed above, you may have to pay a late fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 20 24% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and 4 will lake you longer to pay off your balance For example IFyou make no additional charges using this, card and each month you pay You will pay off - the balance shown 6n Ilus statement 10. 044 And you will end . up paying an estimated total of , Only the minimum payment 50 years $51,704 $314 3 years $ 11,295 Savings = $40,409 ) If you would like information about credit counseling services, call 1-800-347-1121 Manage Your Account Online at www.Discover.cont Access free online toils like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bilk online and easily track all transactions Make your money worth moresre•--•find easy ways to earn and redeem cash rewards NEWT Access your account securely through your mobile phone Transactions Payments and Credits Trans. Post Date Date Nov 7 Nov 7 PHONE PAYMENT -THANK YOU $ -163 00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Inti t r98 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS $ 11 43 143 58 0 00 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC•VER Paperless statements mean Tess clutter, more convenience Easily access up to 24 months of downloadable, password protected statements • See your statement as soon as Ws available rather than wait for 11 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.corn/paperless %2010 Danner beet Member FIC PAMIR 0310 Transactions (cont.) Trans. Post Date Date Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 155.01 2011 Totals Year -to -Dote TOTAL FEES CHARGED IN 2011 TOTAL INTEREST CHARGED IN 2011 30272958 $ 0 00 873 15 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-26831. DISC•VER d DISC VER II pays ie DISC VER' AVA 1 SHAFFER Account number ending in 4249 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account Current Billing Porieck 31 days TYPE OF BALANCE ANN AL(APPERCENTAGE ) BAL4NC SUBJECT TO RATERATE Purchases 15 24% V $883 38 Cash Advances 2299% $7,352 67 V = Variable Rate INTEREST CHARGE $1143 $143 58 Information For You Your next automahc mtnimum payment of $ 171 00 will be on 12/07/11 Any payments made prior to this date will be applied towards your minimum payment due Any credits applied to your Account for the billing cycle reflected on this statement may lower your minimum payment due and thus the scheduled DireciPay amount Additional hnporfantInformation See your Cardmemher Agreement. Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report immedtotelyl 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 in at Discover, PO Box 30421, Salt Lake City, UT 84130.0421 In your letter, give us the following information Account information Your nome and account number Dollar amount The dolor amount of the suspected error_ Doscrtphon of Problem If you think there is an error on your bull, 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 nohly 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 queshan, or report you as delinquent on that amount The charge in question may remora on your statement, and we may canhnue 10 charge you interest on that amount But, if we determine that we made o mistake, you will not have to pay the amount in question or any interest or other fees related to that amount While you do not hove to pay the amount in question, you are responsible for the remainder of your balance We can apply any unpaid amount against your credit limit Your Rights.if You Arc Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit cord, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, all of the following muss be true 1 The purchase must hove been made in your home dote or within 100 miles arse current mailing address, and the purchase pnce must have been more than $50 (Note Neither of these are necessary if your purchase was 'basad on an advertisement we mailed to you , or if we own the company that cold you the goads or services ) 2 You must have used your credit cord for the purchase Purchases made with cash advances from on ATM or with a check that accesses your credit card account do not qualify 3 You must not yet have fully paid for the purchase If all of the critena 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 purl of your Account balance at any time However, you must pay at least the Minimum Payment Due 6y the Payment Duo Dote Send only your payment and the top portion of this statement in the envelope provided Do not send cash By tending your check as descnbed above, you authorize us to use information on your check to make an electronic fund transfer from your account al the financial institution indicated on your check or to process the payment os a check transaction If payment to processed as art electronic fund transfer, the transler will be for the amount of the check When we use information from your check to make on electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check bock from your financial institution The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any ether address or ii you use an envelope other than the one provided Payments received m proper form al our processing facility by 5PM local time on any day will be credited to your Account as of that day Payments received al our processing facility after 5PM local time will be credited to your Account as of the next clay If you have misplaced your envelope, send your payment to Discover, PO Box 6103 Corot Stream, IL 60197.6103 Please allow 7-10 cloys For delivery If your payment is returned unpaid, we reserve the rig f l to resubmit it os an electronic debut 30272958 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed yovr current Account tealance, 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 an the Payment Due Date unless you request a recurring payment dale (eg , the 15th day of the month) that occurs before your Payment Due Date If your scheduled payment dote falls an a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account mformahon You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those numbers an your electronic signature, you wine agreeing to this authorization to allow us and your bank to deduct each payment .you authorize, in the amount selected by you, hom 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 moy vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be You must ensure that Sufficient funds are available in your bank account, and all transactions must comply with U S law Yov can set automatic payments for (i) stoteetent New Balance, Cul statement Minimum Payment Due, 1111) statement Minimum Payment Due plus a fixed dollar amount, or (rvl 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 sdesduled payment is greater than the New Balance on your billin statement, that payment will be processed only for the amount of your New Balance Your automatic payment amount may be less than the amount indicated on the periodic statement based on credits or payments after the Cbsmg 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 ❑ Min Pay + $_ _ 0 Fixed Poy$-_ 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 resort We =molly report the status and payment history of your Account to creditreporhng agencies each month IF you believe that our report is inaccurate or incomplete, please write us at the Following address Discover, PO Box 15316, Wilmington,. DE 19850.5316 Please indicate your name, address, home telephone number and Account number Paying Interest: We begin to impose interest charges on transaction, fee or Interest charge from the day we add it to rhe 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 an your previous billing statement by the Payment Due Date shown on that billing stelement, we will not impose interest charges on new Purchases or any portion of a new Purchase, paid by the Payment Due Dote an 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 Cakufate kiteresf Charges - Doily Balance Method [including current transactions): We calculate interest charges each billing period by first figuring the "daily balance" for each Transaction Category Transaction Categories include standard Purchases, standard Cash Advances and different promohonol balances, such as Balance Transfers How We Figure the Daily Balance for Each Transection Category We start with the beginning balance for each day The beginning balance for the first day of the bilkng period rs your balance on the fast day of your previous bilking period. We add any interest charges accrued on the previcus 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 lnteresf" section) How We Figure Your Total Interest Charges We multiply the daily balance for each Transachan Category by its daily periodic rate We do this For each day in the bilhn period This gives us the interest charges for each Transaction Category To get a daily periodic rote, we divide the APR that applies to the Transaction Category by 365 We add up all the daily interest charges The sum is the total interest charge For the billing period How We Include Fees We odd Balance Transfer Fees to the applicable Balance Transfer Transaction Cofegory We add Cash Advance Fees to the applicable Cash Advance Transochon 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 thin for each transaction category The Balance Subject to Interest Rale 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 Deafl assistance, please call 1.800.347.7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes The Discover`s'card is issued by Discover Bank, Member FDIC RYNI EOU 1 30272958 Questions? Visit www.Discover,com or call 1.800 -DISCOVER (1-800-347-2683j. DISCOVER DISC VER New Balance $8,164.43 AVA 1 SHAFFER 105 ARNOLD RD ENOLA PA 17025-2102 Minimum Payment Due $166.00 Payment Due Dole January 7, 2012 Address, e-mail or telephone change Go to www.Discover.cem or print change in space above Account Number ending in 4249 Enter Amount Enclosed Below Thank you for your Dire l?ay automatic payment Your next outomahc_p ayment of $ 166 00 will be on 01/07/12 See Transactions section for additional details PO BOX 71084 CHARLOTTE NC 28272-1084 000001986618065818689081644300000000016600 Opening Date: November 13, 2011 - Closing Date; December 12, 2011 Discover More Card Account Summary Account number ending in 4249 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $8,184 67 171 OD + 0 00 + 0 00 + 0 00 + 0 00 + 150 76 38,164 43 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 $9,100 00 $0 00 $2.300 00 $0 00 You may be able to avoid Interest Charges, see Additional Important Information for details Cashback Bonus Opening Cashbook Bonus Balance New Cashbook Bonus This Period Cashbook Bonus Balance To learn,,, , 4g in qi www.Discoyer.om Anniversary Month September $ 0 00 + 0 00 $ 0.00 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call I.8004DiSCOVER (1.800.347.26831 Please have your Drscovere 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 $8,164 43 Minimum Payment Due $166 00 Payment Due Date January 7, 2012 Late Payment Warning: If we do not receive your minimum payment 6y 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 20 24% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and 1 will take you longer to pay off your balance For example If'yau Make no adeitfronal charges tieing this cord and each month you pay Yoir will pay off the balaece shown On Ih s statement tri akar Arid you Al End' up paying 1111 00rm04 tolctl f . Only the minimum payment SO years $51,540 $314 3 years $11,289 289 (Savings = $40,2511 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 toils 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 NIEWI Access your account securely through your mobile phone Transactions Trans. Past Date Date Payments and Credits Dec 7 Doc 7 PHONE PAYMENT - THANK YOU $ -171 00 Fees TOTAL FEES FOR THIS PERIOD 3 0.00 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS $ 9 12 141 64 0 00 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER 11 Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadable, password protected statements • See your statement as soon as it's available rather than wail For It to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone • Print o poper copy of your statement anytime • Sign up today at Discover.com/paperless 4.201 0 Decor_, honk Afttraberis FA1.1:g 0310 Transactions (cont.) Trans. Post Date Date Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 150.76 2011 Totals Year -to -Date TOTAL FEES CHARGED IN 2011 TOTAL INTEREST CHARGED IN 2011 30272958 $ 0 00 1,023 91 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (i -600-347-2603j. DISCOVER DISC VER Interest Charge Calculation htmysto DISC VER' AVA 1 SHAFFER Account number ending in 4249 page 2 of 2 Your Annual Percentage Rate (APR1 is the annual interest rate on your account Current Billing Period: 30 days TYPE OF BALANCE ANNUAL PERCENTAGE RUS ECT TORA INTEREST Purchases 15 24% V $728 03 Cash Advances 22 99% $7,495 25 V = Venable Role INTEREST CHARGE $9 12 $141 64 Information For You Your next automatic minimum payment of $ 166 00 will be on 01/07/12 Any payments made prior to this date will be applied -towards your minimum payment due Any credits applied to your Account for the billing cycle reflected on this statement may lower your minimum payment due and thus the scheduled Direc7Pcy amount Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report immedrotelyl Call 1-800.347.2683, What re Do if You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at Discover, PO Box 30421, Salt Lake City, UT 84130.0421 In your leiter, give us the following information Account information Your name and account number Doffor amount The dollar amount of the suspected error - Descrrphon of Problem IF you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake You must contact us within 60 doys after the error appeared on your statement You must notify us of any potential errors in writing You may call us, but if you do we are not required to investigate any potential errors and you may hove to pay the amount in question While we investigate whether or not there has been an error, the following are true We cannot try to collect the amount in question, or report you as delinquent on that amount The charge in question may remain on your statement, and we may canhnue to charge you interest on that amount But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount While you do not hove to pay the amount in question,ou 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 purchosed with your credit cord, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, all of the following must be true 1 The purchase must have bean mode in your hone stote or within100 tr .les 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 Far 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 pard for the purchase If all of fhe critena above are met and you are still dissatisfied with the purchase, contact us in writing at Discover, PO Box 30945, Solt Lake Orly, UT 84130.0945 While we investigate. the same rules apply to the disputed amount as discussed above After we finish our investigation, we will tell you our decision At that point, if we think you owe an amount and you do not pay we may report you os delinquent Payments. You may pay all or port of your Account balance at any time However, you must pay of (east the Minimum Payment Due by. the Payment Due Dote Send only your payment and the fop portion of this statement in the envelope provided Do not send cash By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer From your account at the Imor�cial institution indicated an your check orto process the payment as a check transaction If payment is processed as an electrome fund transfer the transfer will be for the amount of the check When we use information from your check to make an electronic fund trans6r, 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 Financed institution The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you end the payment to any alba. address or if you use an envelope other than the one provided Payments received in proper format our processing Facility by 5PM local lime on any day will be credited fo your Account as al that day Payments received al 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 refurned unpaid, we reserve the right to resubmit 1 as an electronic debit 30272958 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 leg , 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 ieleepphope, you will need this statement and your bank account mforinahon You will be asked to provide the last lour (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, horn 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 biling statement when your payment will be made and how much it will be You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U S law You can set automatic payments for (i) statement New Balance, (n) statement Minimum Payment Due, lin) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a Fixed dollar amount If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased Io raver the Minimum Payment Due If the scheduled payment is ggreater 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 Cayment amount maybe less than the amount indicated on the periodic statement based on credits or payments ager the losing Date If you enroll by phone m our automatic payment service, please Fill•in the following blanks below and retain the authorization for your records Amount 0 Full Pay ❑Min Pay ❑ Mm Pay + $ Fixed Poy$�._______, Bank Routing # , Bank Account # Frequency Credit Reporting. We may report information about your Account to credit bureaus late payments, missed payments, or other defaults on your Account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agencies each month IF you believe that our report is inaccurate or incomplete, please write us at the following address Discover. PO Box 15316, Wilmington, DE 19850.5316 Please indicate your name, address, home telephone number and Account number Paying Interest We begin to impose Interest charges on a transaction Fee or interest charge from the day we add it to the daily balance We continue to impose interest charges unhl you pay the total amount you owe us You can avoid paying interest on Purchases as described below However, you cannot avoid paying interest an Balance Transfers or Cash Advances How to Avoid Paying Interest.on Purchases ("Grace Period") If you paid the New Balance on your previoix billing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases or any portion of a new Purchase, paid by the Payment Due Dote on your current billing statement New Purchases are Purchases that first appear on the current billing statement How We Apply Payments May Impact Your Grace Period If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may 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 hgunng the "daily balanc.e" for each Transaction Categoiy Transaction Categories include standard Purchases, standard Cash Advances and different promotional balances, such as Balance Transfers How We figure the Doily Balance for Each Transaction Category We start with the beginning balance for each day The beginning balance For the first day of the billing period Is your balance on the last day of your previous billing period We add any interest charges accrued on the previous day's daily balance and any new transactions and fees We odd any new transactions or fees as of the later of the Transaction Dote or the first day of the billing period in which the transaction or fee posted to your Account We subtract any new credits and payments We make other adjustments (including those adjustments required in the "Paying Interest" section) How We Figure Your Total interest Charges We multiply the daily balance for each Transaction Category by its daily periodic rate We do this for each day in the bulling period This gives us the interest charges for each Transaction Category To get o daily periodic rate, we divide the APR that applies to the Transaction Category by 365 We add up all the daily interest charges The sum Is the total interest charge For the billing period How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Catenary We add Cash Advance Fees lathe 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 kw For TDD (Telecommunications Device for the Deaf) assistance, please call 1.800.347.7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes The Discover©card is issued by Discover Bank, Member FDIC RZNFE00I 30272958 Questions? Visit www.DTscover.com or call 1 -900 -DISCOVER (1-800-347-26031. DISCOVER DISC VER New Balance Minimum Payment Due: $8,154.98 $172,00 Payment Due Date February 7, 2012 AVA I SHAFFER 105 ARNOLD RD ENOLA PA 17025-2102 Address, email or telephone change Go to www.Discover,com or print change in space above Account Number ending in 4249 Enter Amount Enclosed Below Thank you for your DirectPayautomatic ayment Your next automahc_payment of $ 172 00 will be on02/07/12 See Transachons section for additional details PO BOX 71084 CHARLOTTE NC 28272-1084 000001986618065818689081549800000000017200 Opening Date: December 13, 2011 - Closing Date: January 12, 2012 Discover More Card Account Summary. Account number ending in 4249 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $8,164 43 16600 + 0 00 + 0 00 + 0 00 + 0 00 + 156 55 $8,154 98 See Interest Charge Calculation section following transactions for detailed APR information Credit line Credit line Available Cash Advance Credit Line Cash Advance Credit Line Available $9,100 00 $0 00 $2,300 00 $0 00 You may be able lo avoid Interest Charges, see Additional Important Information for details Cashback Bonuse Opening Cashbook Bonus Balance New Cashbook Bonus This Period Cashback Bonus Balance fa loam ,no,www,Discovereom Anniversary Month September $ 0 D0 + 0 00 $ 0.00 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call 1.800 -DISCOVER (1-800-347.2663) Please have your DiscoverL card available 3 Write to us at Discover PO Box 30943, Salt Lake City, UT 84130 (Nota payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, Il 60197-6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347.7449 page 1 of 2 Payment Information New Balance $8,154 98 Minimum Payment Due $172 00 Payment Due Date February 7, 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 20 2440 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 Ilyoti make no oddihonal charges using this card and each month you pay 'You w1i11 pay oft - the balance. shown an this ittrlernent 'in. about And you will end- up paying az esirmoied total of Only the minimum payment 50 years $51,441 $314 3 years 311,299 ;Savings = $40,142 1 f you would like information about credit counseling services, call 1-800-347-1 121 Manage Your Account On(ine at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth moreSm --find easy ways to earn and redeem cash rewards NE WI Access your account securely through your mobile phone Transactions Trans. Dote Payments and Credits Jon 7 Post Date Jan 7 PHONE PAYMENT - THANK YOU $ -166 00 Foes TOTAL FEES FOR THIS PERIOD $ 0.00 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS $ 7 35 149 20 0 00 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC•VER Paperless statements mean fess clutter, more convenience Easily access up to 24 months of downloadable, password protected Statements • See your statement os soon as it's available rather than wail for 11 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 al Discovercom/paperless •1."1010 as:overtiun[ Member £C'C PARR 0:110 Transactions (cont.) Trans. Pest Date Dote !merest Charged TOTAL INTEREST FOR TH15 PERIOD $ 156,55 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 TOTAL INTEREST CHARGED IN 2012 30272958 $ 0 00 156 55 Questions? Visitwww.Discover.com or call I -800-DISCOVER (1-800-347-26E33). DISCOVER DISC VER tl pays to DISC VER' AVAISHAFFER Account number ending in 4249 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate •(APR) is the annual interest rate on your account Current Billing Period: 31 days TYPE OF BALANCE ANNUAL L PERCENTAGE BALANCE ECT TORAAR) RAE Purchases 15 24% V $567 36 Cash Advances 22 99% $7,640 60 V = Variable Rate INTEREST CHARGE $7 35 $149 20 Information For You Your next automatic minimum payment of $ 172 00 will be on 02/07/12 Any payments made prior to this date will be applied towards your minimum payment due Any credits applied to your Account for the billing cycle reflected on this statement may lower your minimum payment due and thus the scheduled DireciPay amount Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report tmmediatelyl Call I.800.3472683. 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 fallowing information Account tnformation Your home and account number Dollar amount The dollar amount of the suspected error - Descrrphon of Problem If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake You must contact us within 60 days after the error appeared on your statement You must nobly us of any potential errors in writing You may call us, but i1 you do we are not required to investigate any potenhal 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 hue We cannot try to softest the amount in question, or report you as delinquent on that amount The charge in question may remain on your statemerrt, and we may continue la charge you interest an that amount But, if we determine that we made o mistake, you will not have to pay the amount in question or any interest or other fees related to that amount While you do not hove to pay the amount In question, you are responsible for the remainder of your balance We can apply any unpaid amount against your credit limit Your Rights If You Are Dissatisfied With Your Credit Card Purchases II you are dissatisfied with the goods or services That you have purchased with your credit to rd, 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 100des of your current mailing address, and the purchase price must have been more than $50 (Note Neither•ot�these are necessary if your purchase was based on cin advertisement we moiled to you , or if we own the company that cod 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 mrd oaount do not qualify 3 You must not yet have fully pard for the purchase If all of the crrtena above are met and you are still dissatisfied with the purchase, contact us in writing at Discover, PO Box 30945, Sah Lake City, UT 84130-0945 While we inveshgafe, 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, 'Ewe think you owe on amount and you do not pay we may report you as delinquent Payments, You may pay all or part of your Account balance al any tune However, you must pay at least the Minimum Payment Due by the Payment Due Date Send only your payment and the tap portion of this statement in the envelope provided Do not send cash By sending your check as described above, you authorize us to use information on your check to make an dectronrc 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 Rind transfer, the transfer will be for the amount of the check When we use information from your check to make an electronic Fund transfer, funds may be withdrawn from your account or soon as the same day we receive your payment, and you will not receive your check bock from your hnancial 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 reserved 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 reserved at our processing facility after 5PM local time will be credited to your Account as oFtbe 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 rs returned unpaid, we reserve the riga to resubmit d as on electronic debit 30272958 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCSVER 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 calling 1500.347.2683 Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment dole (e gthe 15th day of the month) that occurs before your Payment Due Date If your scheduled payment date falls on a weekendor 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 aulhorrrohon 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, 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 m amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U S law You can set automatic payments for (i) statement New Balance, (n) statement Minimum Payment Due, (m) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a hxed dollar amount If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due If rhe scheduled payment is greater than the Minimum Payment Due. any excess will be applied in accordance with your Cardmember Agreement (f your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance Your automatic Cayment amount may be less than the amount indicated on the periodic statement based on credits or payments after the losing Date IF you enroll by phone in our automatic payment service, please M.in the following blanks below and retain the authorization for your records r Amount EJ Full Pay Q Min Pay n ❑ Min Pay . $._-,_ Fixed Pay$_.-._ , Bank Routing # Bank Account # Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payments, missed payments, or other defaults on your Account may be reflected in your credit report We narmolly report the status and payment history of your Account to credit reporting agencies each month If you believe that our re ort is inaccurate or incomplete, please write us at the Following address Discover, PO Box 15316, Wilmington, DE 14850.5316 Please indicate your name, address, home telephone number and Account number Paying Interest: We begin to impose interest charges on a transaction, fee or interest charge from the day we add rt to the daily balance We continue to impose interest charges until you pay the total amount you owe us You can avoid paying interest on Purchases as described below :However, you cannot avoid paying interest on Balance Transfers or Cash Advances How to Avoid Paying Interest on Purchases ("Grace Period") If you paid the New -Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchoses 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 now Purchases Hew 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 Tronsaction 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 Test day of your previous billing period We odd any interest charges accrued on the previous day's daily balance and any new transactions and lees We add any new tronsactrons or lees as of the later of the Transaction Dote or the first day of the billing period in which the transachan 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 mulhply the daily balance for each Transaction Category by its daily periodic rate We do this kir each day in the billing period This gives us the interest charges for each Transaction Category To get a daily periodic rata, we dived-is the APR that applies to the Transaction Category by 365 We add up all the daily interest charges The sum is the total interest charge for the billing period How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category We add Cash Advance Fees to the applicable Cash Advance Transaction Category We add all other fees to the standaid Purchase Transaction Category Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate It shows this for each transaction category The Balance Subject to Interest Rate rs the average of the daily balances during the billing period Credit Balances. If your Account has a credit balance, the amount a shown on the front of your biting 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 any remaining balance of $1 00 or more after 6 months, or as otherwise required by applicable jaw For TDD (Telecommunications Device for the Deaf) assistance, please call 1.800.347.7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes The Discovere'card is issued by Discover Bank, Member FDIC RZNFECO I 30272958 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2643). DISCOVER: 11 DISC VER Nev Balance Minimum Payment Due. $8,140.38 $113.00 Payment Duo 'Dale March 7, 2012 AVA 1 SHAFFER 105 ARNOLD RD ENOIA PA 17025-2102 Address, e-mail or telephone change2 Go to www.Discover.com or punt change in space above Account Number ending in 4249 Enter Amount Enclosed Below Thank you for your DiredPay automatic payment Your next outomahe ayment of $ 173 00 will be on 03/07/12 See Transactions section for additional details PO BOX 71084 CHARLOTTE NC 28272-1084 000001986618065818689081403800000000017300 Opening Date: January 13, 2012 - Closing Date: February 12, 2012 Discover More Card Account Summary Account number ending in 4249 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance + + •t $8,154 98 172 00 0 00 0 00 0 00 0 00 157 40 $8,140 38 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 $9,100 00 $0 00 $2,300 00 $0 00 You may be able to avoid Interest Charges, see Additional Important Information for details Cushhack Bonus° Opening Cashbook Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance To krmn mote lag in d5 WWW.DIscover.com Anniversary Month September $ 0 00 + 0 00 $ 0.00 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover,com 2 Call 1.800 -DISCOVER 11.800-347.26831 Please have your Discovene card available 3 Write io us at Discover, PO Box 30943, Salt Lake City, UT 84130 (Nota payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Slraom, 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 $8,140 38 Minimum Payment Due $17300 Payment Due Date March 7, 2012 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you moy 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 20 24% 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 rand and each month you pay roil will pay off ' the bolg+rce shown :00 this statement 3n about .And you well end ' up :paying an estrtnofed total pl Only the minimum payment 49 years $51,177 8314 3 years $11,303 )Savings ei $39,874 ) f you would like mtormatron about credit counseling services, call 1-800-347-1121 Manage Your Account Online at www.Discover.com Access free online tools h ke 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 m ---lend easy ways to earn and redeem cash rewards NE W I Access your account securely through your mobile phone Transactions Payments and Credits trans. Post Date Date Feb 7 Feb 7 PHONE PAYMENT - THANK YOU $ -172 00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS $ 5 26 152 14 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 wart for d to arrive m your mailbox. • Gel helpful payment reminders Through e.moil or text messages on your mobile phone • Print a paper copy of your statement anytime • Sign up today at Discovercom/paperless '£:2010 DIrcOact &ink member MC PAPER 0310 Transactions (cont.) Trans. Post Date Date Interest Charged 2012 Totals Year -to -Date 30272958 TOTAL INTEREST FOR THIS PERIOD TOTAL FEES CHARGED IN 2012 TOTAL INTEREST CHARGED IN 2012 $ 157,40 0 00 313 95 Questions? Visit www.Discover.com or call 1.800 -DISCOVER (1-800-347-26831. DISCOVER DISC VER ti pnys ro DISC VER AVA I SHAFFER Account number ending in 4249 poge2of2 Interest Charge Calculation Your Annual Percentage Rate (APRT is the annual Interest rate on your account Current Billing 'Period: 31 days TYPE OF BALANCE AANNUAAPL RI PERCENTAGE BALANCE RALE ECT TO Purchases 15 24% V $406 55 Cash Advances 22 99% $7,791 22 V = Variable Rale INTEREST CHARGE $5 26 $152 14 Information For You Your next automatic minimum payment of $ 173 00 will be om03/07/12 Any payments made prior to this date will be applied towards your minimum payment due Any credits applied to your Account for the belling cycle reflected on this statement may lower your minimum payment due and thus the scheduled DirectPay amount Additional Important Information See your Cardmember Agreement, Your Cordmember Agreement contains all the terms of your Account Lost or stolen cards. Report immediately! Coll I.800.347.2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at Discover, PO Box 30421, Salt lake City, UT 84130-0421 In your letter, give us the following information Account information Your name and account number Dollar amount The dollar amount of the suspected error Descrrohon 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 an your statement You must notify us of any potential errors in writing You may calf us, but if you do we are not required to investigate any potential errors and you may have 10 pay the amount in question While we investigate whether or not there has been an error, the following ore true We cannot try to collect the amount in question, or report you as delinquent on that amount The charge in question moy remain on your statement, and we may continue to charge you interest on that amount But, 11 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,ou are responsible for the remainder of your balance We car apply any unpaid amount against your credit limit Your/Tights If You Are Dissatisfied With Your Credit Card Purchases IF you are dissatisfied with the goods or services that you have purchased with your credit cord, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remoining 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 1 your purchase was based on on advertisement we mailed to you , or if we own the company that sold you the goods or services I 2 You must have used your credit curd 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 II all of the criteria above are met and you are still dissatisfied with the purchase, contact as 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, wo will tell you our decision At that paint, if we think you owe an amount and you do not pay we may report you as delinquent Payments. You moy pay all or port of your Account balance at any lime 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 moke an electronic fund transfer from your account al the financial institution indicated on your cheek or to process the payment os a check transaction If payment is processed as an electronic fund transfer the transfer will be for the amount of the check When we use information from your check to make an electronic fund tranJer, 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 terns with your payment, of you send the payment to any other address or if you use an envelope other than the one provided Payments received in proper form at our processing facility by 5PM local lime on any day will be credited to your Account as of that day Payments received at our processing facility after 5PM 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 5lroam, IL 60197-6103 Please allow 7.10 days for delivery If your payment is refurned unpaid, we reserve the rigfii to resubmit etas an electronic debit 30272958 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1.800.347-2683 Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment date (e gthe 15th dayof the month) that occurs before your Payment Due Date If your scheduled payment date falls on a weekend or bank holiday. your payment will be procossed'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 bunk to deduct each payment you authorize, in the amount selected by you, ham 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 al Discover, PO Box 30421, Salt Lake City, UT 84130.0421, however we must receive notice at least three business days in advance of the scheduled payment If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U S law You can set automatic payments For (i) statement New Balance, (u) statement Minimum Payment Due, (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 isreater than the Minimum Payment Due. any excess will be applied m 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 moy be less than the amount indicated an the periodic. statement based on credits or payments after the Closing Date If you enroll by phone in our automatsc payment service, please fili•m the following blanks below and retain the authorization far your records Amount ElFull Pay 0Mrn Pay ❑ Min Pay + $ 0 Fixed Pay$ Bonk Routing # Bank Account # frequency Credit Reporting. We may report information about your Account to credit bureaus Late payments, missed payments, or other defaults on your Account may be reflected in your credit report We =molly 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 a 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 Purchcses ("Grace Period") If you paid the New Balance on your previous bulling 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 Inherent Charges • Daily Balance Method (including current transactions): We calculate interest charges each billing period by First figuring the "daily balance" for each Transaction Category Transachon Categories include standard Purchases, standard Cash Advances and different promotional balances, such an Balance Transfers How We Figure the Daily Balancer 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 an the last day of your previous billing period We add any interest charges accrued an 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 orfee posted to your Account We subtract any new credits and payments We make other adlustments (including those adjustments required in the "Paying Interest' section) How We figure Your Total Interest Charges We multiply the daily balance for each Transactwn Category by its daily periodic rate We do this for each day in the billing period This gives us the interest charges for each Transaction Category To get a daily periodic rare, we dividethe 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 Feesla fhe 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 .lo you You may make charges against thisamount 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 Deafl assistance, please call 1.800.347.7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes The Discovera'card is issued by Discover Bank, Member FDIC Rzn'rtoa t 30272958 QUeSt7onS? Visit www,Dlscover,com or call I.800 -DISCOVER (1-800-347-2683J. DISCIVER DISC VER New Balance Minimum Payment Due, $8,115.28 $163,00 Payment Due Bate April 7, 2012 AVA 1 SHAFFER 105 ARNOLD RD ENOLA PA 17025-2102 Address, e-mail or telephone change? Go to www.Discover,com or print change in space above Account Number ending in 4249 Enter Amount Enclosed Below Thank you kir your DireclPay automata payment Your next automaticpayment of $ 163 00 will be on 04/07/12 See Transactions section for addihanal details PO BOX 71084 CHARLOTTE NC 28272-1084 000001986618065818689081152800000000016300 Opening Date: February 13, 2012 - Closing Date: March 12, 2012 Discover More Card Account Summary Account number ending in 4249 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $8,140 38 173 00 + 0 00 + 0 00 + 0 00 + 0 00 + 147 90 $8,115 28 See Interest Charge Calculation section fallowing transactions for detorled APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $9,100 00 $ 0 00 $2,300 00 $0 00 You may be able to avoid Interest Charges, see Additional Important Information for details Cashback amuse Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance To Worn more tog in sr Www-DIncoi ereom Anniversary Month September $ 000 + 000 $ 0.00 3 Easy Ways to Contact Us 1 Access your account securely al www.Discover.com 2 Call I-800•DISCOVER 11.800.347.26831 Please have your Discoverecard available 3 Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197-6103 For TDD (Telecommunications Device for the. Deaf) assistance, please call 1.800-347-7449 page 1 of 2 Payment Information New Balance $8,115 28 Minimum Payment Due $163 00 Payment Due fate April 7, 2012 tate Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be Increased up to the Penally APR of 20 24% variable Minimum Payment Warning; If you make only the minimum payment each period, you will pay more in interest and it will Fake you longer to pay off your balance For example If yeti niake no oddit anal charges using this Card and each month you pay You will payoff ' the, balance shown on this. statement ;Irr about And ytlu 'ill end up paymg'an estrmafed Wel 9f Only the minimum payment 49 years $51,016 $314 3 years ,;Savings $11,293 G $39,723 ) 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 teas like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily hack all transactions Make your money worth moresM. hnd easy ways to earn and redeem cash rewards NEW( Access your account securely through your mobile phone Transactions Payments and Credits Trans. Past Date Dote Mar 7 Mar 7 PHONE PAYMENT - THANK YOU $ -173 00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 111:0294d8 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS $ 2 86 145 04 000 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 Ft's available rather than wail for it to arrive in your mailbox. • Gel helpful payment reminders through e-mp,l yr text messages on your mobile phone • Print a paper copy of your statement anytime • Sign up today at Discovercom/paperless 8:2010 Disca+er Rank Manbar FDIC PAYER 0310 Transactions {cont.) Trans. Posi Date Date Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 147,90 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 TOTAL INTEREST CHARGED IN 2012 30272958 $ 0 00 461 85 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). MOWER. DISC VER II pays so DISC VER' AVA I SHAFFER Account number ending in 4249 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account Current Billing Period: 29 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE R SUBJECT TO RATEE Purchases 15 24% V $236 14 Cash Advances 22 99% $7,939 79 V = Variable Rale INTEREST CHARGE $2 86 $145 04 Information For You Your next automatic minimum payment of $ 163 00 will be on 04/07/12 Any payments mode prior to this date will be applied towards your minimum payment due Any credits applied to your Account for the billing cycle reflected on this statement may lower your minimum payment due and thus the scheduled Di rectPay amount Additional Important Information See 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 84 130.0421 In your letter, give us the fallowing information Account tnformotiort Your name and account number Dollar amen! The dollar amount of the suspected error - Descrrphon of Problem If you think there is an error an your bill, describe what you believe is wrong and why you believe it is a mistake You must contact us within 60 days after the error appeared on your statement You must nobly us of any potential errors in writing You may calf 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 ramie' an your statement, and we may canhnue lo charge you interest on that amount But, rf we determine lhot we mode o mistake, you will not have to pay the amount m question or any interest or other fees related to that amount While you do not hove to pay the amount in question, you are responsible for the remainder of your balance We can apply any unpaid amount against your credit limit Your Rights if You Are Dissatisfied With Your Credit Card Purchases if you are dissatisfied with the goods or services that you have purchased with your credit card, and you have bred 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 fallowing 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 pvrdhase 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 Owe own the compony that sold you the goods or services ) 2 You must have used your credit curd for the purchase Purchases made with cash advances from an ATM or with a check that uccesses your credit card account do not qualify 3 You must not yet hove Fully pard for the purchase If all of the drrtena above are met and you are still dissatisfied with the purchase, contact us in writing at Discover. PO Box 30945, Sall Lake City, UT 84130-0945 While we investigate, the same rules apply to the disputed amount as discussed above After we Finish our investigation, we will tell you our decision At that point, if we think you owe an amount and you do not pay we may report you os delinquent Payments, You may pay all or part of your Account balance at any time However, you must pay al least the Minimum Payment Due by the Payment Due Dale 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 ai the financial mshluhon 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 en 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, d you send the payment to any other address or if you use an envelope other than the one provided Payments received in proper form at our processing Facility by SPM local time on any cloy 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 Adcaunt as of the next day If you have misplaced your envelopo, send your payment to Discover, PO Sox 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 30272958 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 recurrrng payment date leg , the 15th day of the month) that occurs before your Payment Due Date If your scheduled payment date frills on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked lo provide the last tour (4) digits of the social security number of the primary borrower By providing those number: as your electronic signature, you will be agreeing to this authorization to cillow 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, 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 he You must ensure that sufficient funds are available m your bank account, and all transactions must comply with U S law You can set automatic payments for (i) statement New Balance, lir) statement Minimum Payment Due, (till statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due If the scheduled payment is greater than the Minimum Payment Due. any excess will be applied in accordance with your Cardmernber Agreement IFyour scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance Your automatic payment amount may be less than the amount indicated on the periodic statement based on credits or payments oRer 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 0 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 IFou believe that our report is inaccurate or incomplete, please write us at the .following address Discover, PO Box 15316, Wilmington, DE 198505316 Please indicate your name, address, home telephone number and Account number Paying Interest: We begin to impose interest charges on o transaction, fee or interest charge from the day we add it to rhe daily balance We continue to impose interest charges until you pay the total amount you owe us You can avoid paying interest on Purchases as described below However, you cannot avoid paying interest on Balance Transfers or Cash Advances How to Avoid Paying Interest on Purchases ("Grace Period") If you paid the New Balance on your previous billing statement by the Payment Due Dote shown on that billing statement, we will not impose interest charges on new Purchases or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement New Purchases ore Purchases that first appear on the current billing statement How We Apply Payments May Impact Your Grace Period If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases How We Calculate interest Charges • Daily Balance Method (including current transactions): We calculate interest charges each billing penod by first figuring the "daily balance" for each Transaction Category Transaction Categories include standard Purchases, standard Cash Advances and different promotional balances, such an 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 belting perm We odd any interest charges accrued an 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 rote We do this for each day in the biRmg period This gives us the interest charges for each Transaction Category To get o daily periodic rate, we dividde the APR that applies to the Transaction Category by 365 We add up all the daily interest charge: 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 Wo add Cash Advance Fees to the applicable Cash Advance Transaction Category We add all other feesta the standard Purchase Transaction Category Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate It shows this for each transaction category The Balance Subject to Interest Rate is the average of the daily balonces during the billing period Credit Balances. If your Account 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 6y applicable law For TDD (Telecommunications Devise For the Deal) assistance, please call 1.800.347.7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes The Discoveri''card is issued by Discover Bonk, Member FDIC KZNFE00I 30272958 Questions? Visit www.Dlscover.cam or call 1 -800-DISCOVER (1-800-347-2683(. DISCOVER DISC VER New Balance Minimum Payment Due. $8,111.09 $174,00 Payment Due Dale May 7, 2012 AVA I SHAFFER 105 ARNOLD RD ENOLA PA 17025.2102 Address, e-mail or telephone change Go to www.Discover,can 01 pont change in space above Account Number ending in 4249 Enter Amount Enclosed Below Thank you far your DiirectPay automatic payment Your 05/07/112 See Tran act ons se$ ction foi00 WiII be additional details PO BOX 71084 CHARLOTTE NC 28272-1084 000001986618065818689081110900000000017400 Opening Date: March 13, 2012 - Closing Date: April 12, 2012 Discover More Card Account Summary Account number ending in 4249 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $8,115 28 16300 + 0 00 + 0 00 t 0 00 + 0 00 + 15881 $8,111 09 See Interest Charge Calculation section foRowmg transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $9,100 00 $0 00 $2,300 00 • 30 00 You may be ableto avoid Interest Charges, see Additional Important Information for details Cashback Bonus'e Opening Cashback Bonus Balance New Cashbook Bonus This Penod Cashback Bonus Balance Ta k,n, mute ive u, el vrww,DIseover,cem Anniversary Month September $ 0 00 $ 0.00 0 00 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover,com 2 Call I.800 -DISCOVER (1.800.347-2683) Please have your Discover® card available 3 Write to us at Discover PO Box 30943, Salt Lake City., UT 84130 (Not a payment address) For payments, please send lo address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197-6103 For TDD (Telecommunications Device far the Deaf) assistance, please call 1-800.347.7449 page 1 of 2 Payment Information New Balance $8,111 09 Minimum Payment Due 3174 00 Payment Due Date May 7, 2012 tete 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 20 24%, variable Minimum Payment Warn€ng:lf 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 Ifyoii make no additional charges using this Card and each month you pay You will pay off ' the balance shown roe Ili S tatemea( in about And YOU will end up paying on estrmpted total QF , Only the minimum payment 49 years $50,917 $314 3 years $11,301 )Savings = $39,616 ) f you would like information about credit counseling services, call 1-800-347-1121 Manage Your Account Online at www.Discaver.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 transachons Make your money worth moresm find easy ways to earn and redeem cash rewards NEM Access your account securely through your mobile phone Transactions Payments and credits Trans. Post Date Daae Apr 7 Apr 7 PHONE PAYMENT • THANK YOU 3 -16300 Fees TOTAL FEES FOR THIS PERIOD $ 0,00 In302112.A8 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS $ 105 157 76 0 00 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER DISC VER n pays io DISC VER' AVA I SHAFFER Account number ending in 4249 page 2 012 Interest Charge Calculation You Annual Percentage Rate IAPR) is the annual interest rate on your account Current 6i lin9 Period: 31 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCEINTEREST SUBJECT TO PATE (RATE Purchases 15 24% V $81 45 Cash Advances 22 99% $8,079 06 V = Variable Rate INTEREST CHARGE $1 05 3157 76 Information For You Your next rsulomolic minimum payment of $ 174 00 wr8 be on 05/07/12 Any payments made prior to this dote will be applied towards your minimum payment due Any credits applied to .your Account for the billing cycle reflected on this statement may lower your minimum payment due and thus the scheduled DiredPoy amount Additional ImportantInformetlon See your Cerdrnember Agreement Your Cardm ember Agreement contains all the terms of your Account Lost or stolen cards. Report immedratelyl Call 1400-347-2683. What To Do if You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us al Discover, PO Box 30421, Salt Lake City, UT 94130-0421 In your letter, give us the fofowing information Account rniormation Your name and account number DoHar 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 11 0 a mistake You muse contact to within 00 dye 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 anal you may have to pay the amount in question While we investigate whether or not there has been on error, the following ore true We cannot try to collect the amount in question, or report you as delinquent on that amount The charge in question may remain on your statement, and we may continue to charge you interest on that amount But, if we determine that we mode a mistake, you will not have to pay the amount in question ar any interest or other fees ieloted to that amount White you do not hove to pay the amount in question, you are responsible for the remainder of your balance We can apply any unpaid amount against your credit limit Your Rights If You Are Dissatisfied With Your Credit Card Purchases IF you are dissatisfied with the goods or services that you have pvrchased with your credit cord, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, ole of the following must be true 1 The purchase must have been made in your home state or within 100iles of your current mailing address, and the purchase price must have been more thon $50 (Note Neither of these are necessary if your purchase was based on an udverlisemeni we mailed to you , or if we own the compnny Rod sold you the goods or services ) 2 You mud have used your credit curd 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 rat yet have fully paid for the purchase If all of the criteria above are met and yov are stili dissahsfied 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 mvestigdion, we will tell you our decision At that point, if we think you owe on amount and you do not pay we may report you as delinquent Payments. You may pay all or part of your Account balance ul any time However, you must pay of least the Minimum Payment Due by the Puyment Due Date Send only your payment and the top portion of thea statement in the envelope provided Do not send cash By sending your check as described above, yov authorize us to use information on your check to make an electronic fund transfer from your account of the financial institution indicated on your check or to process the payment as a check transaction If payment is processed as an electronic fund transfer, the transfer will be for the amount of the check When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, it you send the payment to any other address or if you use an envelope other than the one provided Payments received in proper form of our processing kiddy by 5PM lord time on any day will be credited to your Account ac al that day Poyments received al 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 4103 Carol Stream, IL 40197.6103 Please allow 7-10 days For delivery IF your payment is returned unpaid, we reserve the right to resubmit it as on electronic debit 30272958 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-800347.2683 Automatic payments will be deducted on the Payment Due Dale unless you request a recurring payment dol je g , the 15th day of the month) that occurs before your Payment Due Dale If your scheduled payment dofe Falls on a weekend or bank holiday, your payment will be protested the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the Iasi four (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature, you will be agreeing to this outhorizahon to allow us and your bank to deduct each payment you authorize, in the amount selected by you, (ram your bank account You also authorize us to initiate debit or credit entries to your bunk account, as applicable, to conecr on eiroi in the processing of such payment You can cancel a scheduled payment by phone at 1.800.347.2683 or by mail al Discover, PO Box 30421, Sall lake City, UT B4 1 30-042 1, however we must receive notice at least three business days in advance of the scheduled payment If your payments moy vary in amount, we will teff you on each monthly bilking statement when your payment will be made and how much it will be You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U S law You can set automatic payments for (t) statement New Balance, (ii) statement Minimum Payment Due, (nil statement Minimum Payment Due plus a fixed dolor amount, or (iv) a fixed dollar amount IF your scheduled Bred payment us not eno io cover the Minimum Payment Due as listed on your monthly billing •tatemenr, your scheduled payment for that month will increased to cover the Minimum Payment Due If the scheduled payment Is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement IFyour scheduled payment is greater than the New Balance on your boiling statement, that payment will be processed only For the amount of your New Balance Your automatic Coyment amount maybe less than the amount indicated on the periodic statement based on credits or payments after the losing Date If you enroll by phone in our automatic payment service, please Filler' the Following blanks below and relain the authors zation far your records Amount ❑ Full Pay 0 Min Pay ❑Mrn Pay M $ _ .___._.. ❑Fixed Bank Routing # Bank Account # Frequency Credit Repelling. We may report informahon about your Account to credit bureaus Late payments, missed payments, or other defaults on your Account may be reflected in your credit report We narmolly report the status and payment history of your Account to credit reporting agencies each month IFyou believe that our repport is inaccurate or incomplete, please write us at the following address Discover, PO Box 15316, Wlmington, DE 19850.5316 Please indicate your name, address, home telephone number and Account number Paying Interest We begin 10 impose interest charges on a transocrion fee or interest charge from the day we add it to the daily balarice We confinue to Impose interest charges until you pay Ilse total amount you owe us You con ovoid 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 Purclwces ("Grace Period"( If you paid the New Balance on your premiss billing statement by the Payment Due Dote shown on shot billing statement, we will not impose interest charges on new Purchases or any portion of a new Purchose, paid by the Payment Due Date on your current billing statement New Purchases ore Purchase: that first appear an the current billing statement How We Apply Payments May Impact Your Grace Period If you do riot pay your New Balance in Full each month, then, depending on the balance to which we apply yovr payment, you may not gel a grace period on new Purchases How We (ukulele 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 Dole 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 odlustments required in the "Paying Interest" section) How We Figure Your Total Interest Charges We multiply the daily balance for (loch Transaction Category by its daily periodic rale 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 ram, we divide the APR that applies to the Transaction Cotegory by 365 We add up all the daily interest charges The sum is the tocol 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 lathe applicable Cath Advance Transacton Category We add of ether fees to the stnndm d Purchase Transaction Cotegary 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 ciedr balance is money that is owed to you You may make charges against this amount ,f your Account is open We will send you a refund of any remaining balance of SI 00 or more ager 6 months, of as otherwise required by applicable law For TDD (Telecornmunfcalions 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 Discos,erwcard is issued by Discover Bank, Member FDIC ez.NrEee 30272958 Questions? Visit www,Dlscover.com or call 1.800 -DISCOVER (1.800.347-2684 DISCOVER" (f ( DISC VER New Balance $8,091.11 AVA 1 SHAFFER 105 ARNOLD RD ENOLA PA 17025-2102 Minimum Payment Due $170.00 Payment Due Dale June 7, 2012 Address, e-mail or telephone change Go to www.Discover.com or print change in space above Account Number ending in 4249 Enter Amount Enclosed Below Thank you for your DrrectPay automatic payment Your next automatic payment of $ 170 00 will be on 06/07/12 See Transactions section for additional details PO 80X71084 CHARLOTTE NC 28272-1084 000001986618065818689080911100000000017000 Opening Date: April 13, 2012 - Closing Date: May 12 Discover More Card Account Summary Account number ending in 4249 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $8,111 09 17400 + 0 00 + 0 00 • 0 00 + 0 00 + 1.5.4 02 $8,091 11 See Interest Charge Cakulation section following transactions for detailed APR information Credit Line Credit Line Avalable Cash Advance Credit Line Cash Advance Credt Line Available $9,100 00 $0 DO $2,300 00 $0 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 Cashback Bonus Balance $ 0,00 re :nam marc torr in at www.Dtscover.com Anniversary Month September $ 000 + 000 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 of Discover, PO Box 30943, Salt fake City, UT 84130 (Not a payment address) For payments, please send lo address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197.6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1.900.347.7449 page1of2 Payment Information New Balance $8,091 11 Minimum Payment Due $17000 Payment Due Date June 7, 2012 Late Payment Warning: If we do not receive your minimum payment by the dale listed above, you may have to pay a late fee of up lo $35 00 and your purchase and balance Transfer APRs for new transactions may be increased up to the Penalty APR of 20 24% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and d will lake you longer to pay off your balance For example IFyou make no additional charges using this Sard and each month you pay You will pay off the balance shown on 1111$ staternenr In about And you will End up paying un •e trpttiled totgl 9f , Only the minimum payment 49 years $50,746 $313 3 years 11,274 (Savings = $39,472 ) 1 you would like information about credit ounseling 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 m --find easy ways to earn and redeem cash rewards NEWT Access your account securely through your mobile phone Transactions Payments and Credits Trans. Post Date Date May? Mny 7 PHONE PAYMENT - THANK YOU $ -174 00 Foes TOTAL FEES FOR THIS PERIOD $ 0,00 INTEREST CHARGE ON PURCHASES $ 001 INTEREST CHARGE ON CASH ADVANCES 154 01 INTEREST CHARGE ON BALANCE TRANSFERS 0 00 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean Iess clutter, more convenience Easily access up to 24 months of downloadable, password protected statements • See your statement as soon as Ws available rather than wad for it to arrive in your mailbox. • Gel helpful payment reminders through e•mod or Text messages on your mobile phone • Print o paper copy of your statement anytime • Sign up today at Discover.com/paperless 'G'Z0I0 Durum Boni, Memb.. fO'C PAPER 0:110 Transactions (cont.) Trans. Pest Dahl Dote Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 154.02 2012 Totals Year -to -Date 30272958 TOTAL FEES CHARGED IN 2012 TOTAL INTEREST CHARGED IN 2012 $ 000 774 68 Questions? Visit www.Discover.com or call I -800-DISCOVER 11.800-347-2684. DISCOVER ( DISC VER epnysro DISC VER AVA I SHAFFER Account number ending in 4249 page 2of2 Interest Charge Calculation Your Amual Percentage Rale (APR) is the annual interest rate on your account Current Billing Period: 30 days TYPE Of BALANCE ANNUALPERCENTAGE INT NCT R�SUBJECT TO INTEREST CHARGE RA(APRI Purchases 15 2440 V 50 85 50 01 Cash Meanest 22 999 58,149 91 5154 01 V = Variable Rate Information For You Your next automatic mrmmum payment of 3 170 00 will be on 06/07/12 Any payments made prior to this date will be applied towards your minium payment due Any credits applied to your Account for the billing cycle reflected on this statement may lower your minimum payment due and thus the scheduled DirecfPay amount Additional Important Information See your Cardmember Agreement Your Cardmamber Agreement contains all the terms of your Account Lost err stolen cards. Report immediately) Cali 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 sedemenI, write to us at Discover, PO 8ox 30421, Salt Lake City, UT B4I 30 0421 In your letter, give us the folowing information Account rnlormohon Your name and account number Datfar 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 nohly us of any potential errors in writing You may call us, but if you do we ore not required to investigate any potential errors and you may have to pay the amount in question While we investigate whether or not there has been an error, the following are true We cannot try to collect the amount m 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, rf we determine that we made a mmstnks, you will not have to pay the omounf in question or any interest or other fees related lo That amount While you do riot hove to pay the amount in question, you are responsible for the remainder of your balance We con apply any unpaid amount against your credit limit Your Rights if You Are Dissatisfied VVith Your Credit Card Purchases If you are dissatisfied with the geode or services that you hove purchased with your credit cord, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase Ter use this right, all of the folowmg must be True 1 The purchase must have been mode in your home state or within 100 moles of your current mailing address, and the purchase price must have been more than 350 (Note Neither of these are necessary if your purchase was loosed on an advertisement we marled to you , or if we own the company that sold you the goods or services ) 2 You must have used your credit cord for the purchase Purchases made with cash advances from an ATM ou 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. P© Box 30945, Salt Lake City, UT 84130-0945 While we investigate, the same rules apply to the disputed amount os discussed above After we finish our rmestgchon, we will tell you our decision At that point, if we think you owe an amount and you do net pay we may report you as delinquent Payments. You may pay all or parr of your Account balance al any tune However, you must pay at feast the Minimum Payment Due by the Payment Due Dote .Send only your payment and the top portion of this statement in the envelope provided po not send cash By sending your check as described above, you authorize us to use informorron on your check to make on electronic fund transfer from your account al the financial institution indicated on your check or to process tho payment os a check transaction If payment is processed as an electronic Fund transfer, the transfer will be for the amount of the check When we use information from your check io 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 buck from yarn financial uutilvtion The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you sftsd the payment to any other address or d you use an envelope other Than the one provided Payments received in proper form al our processing facility by 5PM local time on any day will be credited le your Account as of that day Payments received at our processing Fanlrty after 5PM local tome will be credited to your Account as of the next day If you hove misplaced your errvelope, 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 nate to resubmit it as on electronic debit 30272958 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 Automahc payments will be deducted an 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 lo provide the last four (4) digit: of the social security number of the primary borrower By providing those numbers as your electronic signature, you will be agreeing to this 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 a icable, to correct an error in the processing of such payment You can cancel a scheduled payment by phone at t-347.2683 or by mail et Discover, PO Box 30421, Sail Lake City, UT 84130.0421, however we must receive notice at least three business days in advance of the scheduled payment ll 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 Mat sufficient funds are available in your bank occount, and all transactions must comply with U S law You can set automatic payments For ill statement New Balance, (u) statement Minimum Payment Due, (ui) statement Minimum Payment Due plus a fixed dollar amount. or (tv) a fixed dollar amount If your scheduled fixed payment is not enough to cover the Mrnrmum 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 rsreater than the Minimum Payment Due. any excess will he applied in accordance with your Catdmember Agreement 1Fyour 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 agar the Closing Dale If you enroll by phone in our automatic payment service, please Wen the Following blanks below and retain the authorization for your records Amount Full Pay 17 in Pay ❑ Min Pay + $_ ( Fixed Poy$ Bonk Routing # , Bank Account # Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payments, missed payments, or other defaults on your Account may be reflected in your credit report We narmolly report the status and payment history oF your Account to credit reporting agencies each month If you believe that our report is inaccurate or incomplete, please write us at the following address Discover, PO Box 15316, Wilmington, DE 14850.5316 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 n to the daily balance We continue to impose interest charges until you pay the total amount you owe us You can avoid paying interest on Purchases as described below However, you cannot avoid paying interest on Balance Transfers or Cosh Advances How to Avoid Paying Interest on Purchases ("Grace Period") If you puid the New Balance on your previous billing statement by the Payment Due Date drown on that billing statement, we wit not impose interest charges on new Purchases orony portion of a new Purchase. paid by the Payment Due Date on your current billing statement New Purchases are Purchases that first appear an 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, than, 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 transaction): We calculate interest charges each billing period by First figuring the "daily balance" for each Transaction Category Transaction Categories include standard Purchases, standard Cads Advances and different promotional balances, such as Balance Transfers How We Figure the Daily Balance for Each Transaction Category We start with the beginning balance for each day The beginning balance for the first day of the billing period is your balance on the last day of your previous billing period We add any interest charges accrued on the previous day's daily balance and any new transactions and fees We add any new transactions or fees as of the later of the Transaction Dote or she 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 otheradlustments (including those adjustments required in the "Paying Interest" section) How We Rgure Your Total Interest Charges 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 dividde the APR that applies lo the Transaction Category by 365 We add up all the daily interest charges The sum is the total interest charge for the billing period How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category We add Cash Advance Fees to the applicable Cash Advance Transaction Category We add all other feesio the standar d Purchase Transaction Category Balance Subject to Interest Rate. Your statement shows a Balance Subiect to Interest Rale It shows this for each transaction category The Balance Subject to Interest Rate is the average of the daily balances during the hulling 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 oRer 6 months, or as otherwise required by applicable law For TDD (Telecommunications Device for the Deaf) assistance, please call 1.806.347.7449. Discover may monitor aril/or record telephone calls between you and Discover representatives for quality assurance purposes The Dtscover0card is issued by Discover Bank, Member FDIC itzNtEua 30272958 Questions? Visit www,Dlscover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER DISC VER New Balance Minimum Payment Due. $8,079.96 $174.00 Payment Due Date July 7, 2012 AVA 1 SHAFFER 105 ARNOLD RD ENOLA PA 17025-2102 Address, e-mail or telephone changer Go lo www,Discover.com or print change in space above Account Number ending in 4249 Enter Amount Enclosed Below $f Thank you for your DirectPay automatic payment Your next ausomaticpaymont of $ 174 00 will be on 07/07/12 See Transochons section for additional details PO BOX 71084 CHARLOTTE NC 28272-1084 000001986618065818689080799600000000017400 Opening Date: May 13, 2012 - Closing Date: lune 12, Discover More Card Account Summary Account number ending in 4249 Previous Bolance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $8,091 11 170 00 + 0 00 + 0 00 + 0 00 + 0 00 + 158 85 $8,079 96 See Interest Charge Calculation section following transactions for detailed APR intern -ration Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $9,100 00 $0 00 $2,300 00 $000 You may be able to avoid Interest Charges, see Additional Important Information for details Cashback Ronuse Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance fa Ieoin male log in aiwWW.Dioinyer.COm Anniversary Month September $ 000 + 000 $ 0.00 3 Easy Ways to Contact Us I Access your account securely al www,0iscover,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 Bas 6103, Carol Stream, IL 60197.6103 For TDD (Telecommunications Device for the Dealt assistance, please call 1-800-347-7449 page 1 of 2 Payment Information New Balance $8,079 46 Minimum Payment Due $174 00 Payment Due Date July 7, 2012 Late Payment Warning: If we do not receive your minimum payment by the dale listed above, you may have to pay a late fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 20 24% 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 alt your balance For example If' you make no 0 ad.ddlonal charges using thi:r Said and each month you pay :You will pay oil the balance shown `.on this alaternertt Jn about Md you 4t end up paying an omit:god total of , Only the minimum payment 49 years 850,562 $313 3 year $11,258 (Savings = $39,304 ) f you woutd like informotion about credit counseling services, cell 1-800-347-1121 Manage Your Account Online at www.Discover.com Access Tree online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth more sm—find easy ways to earn and redeem cash rewards NEWT Access your account securely through your mobile phone Transactions Payments and Credits Trans. Post Date Date Jun 7 Jun 7 PHONE PAYMENT - THANK YOU $ -170 00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 ltueslsc 8 INTEREST CHARGE ON PURCHASES $ 0 00 INITEREST CHARGE ON CASH ADVANCES 158 85 INTEREST CHARGE ON BALANCE TRANSFERS 000 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean Mess clutter, more convenience Easily occess up to 24 months of downloadable, password protected statements • See your statement as soon as ,I's available rather thon wail for it to orrive in your mailbox, • Gel helpful payment reminders through c•moal or text messages on your mobile phone • Print a paper copy of your statement anyhme • Sign up today at Discover.com/paperless 0201.0 Demmer bank Member FD'G ?ANN 0910 Transactions (cont.) Trans. Post Dob Date Interest Charged 2012 Totals Year -to -Date 30272958 TOTAL INTEREST FOR THIS PERIOD 158.85 TOTAL FEES CHARGED IN 2012 TOTAL INTEREST CHARGED IN 2012 $ 000 933 53 QUestionS? Visit www.Discover.com or call I -800-DISCOVER (I.800.347-26831. DISCSVER DISC VER H Pnys to DISC VER AVA I SHAFFER Account number ending in 4249 page 2of2 Interest Charge Calculation Your Annual Percentage Rale (APR! is the annual interest rate on your account Current billing Period: 31 days TYPE Of BALANCE AL PERCENTAGE BALANCE ECT TO INTEREST CHARGE RATE INTEREST Purchases 15 24% V SO SO Cash Advances 22 99:'e $8,135 06 $158 85 V = Variable Rale Information For You Your next automatic minimum payment of S 174 00 will be on 07/07/12 Any payments made prior to this date will be applied towards your minimum payment due Any credits applied to your Account for the billing cycle reflected on this statement may lower your minimum payment due and thus the scheduled DirectPay amount Additional Important Information See your Cardmember Agreement, Your Catch ember Agreement contains all the terms of your Account Lost or stolen cards. Report rmmedratelyl Call I.800.347.21183, What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your datement, write to us nt Discover, PO Box 30421, Sall Lake City, UT 84130.0421 In your letter, give us Ilse fallowing information Account rnlrmafon Your nome and account number Dollar amounl The dollar amount of the suspected error Descrrplron of Problem If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake You must contact us within 60 days after the error appeared on your statement You must notify us of any potential errors in writing You may call us, but if you do we ore not required to investigate any potential errors and you may have to pay the amount in question While we investigate whether or not there has been an error, the following ore true We cannot try lo collect the amount in question, or report you as delinquent on that amount The charge in question mayremain on your statement, and we may continue to charge you interest on that amount But, if we determine that we mada mistake, you will not have to pay the arncunt in question or any interest or other fees related to that amount While you do not hove to pay the amount in question, you are responsible for the remainder of your balance We can 'apply any unpaid amount against your credit limit Your Rights If You Are Dissatisfied With Your Credit Card Purchases 11 you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good Earth k, correct the problem with the merchont, you may have the right not to pay the remaining amount due on the purchase To use this right, all of the following must be true 1 The purchase must have been mode in your home state or within 100 miles of your current mailing uddress, and the purchase price must have been more than $50 (Note Neither of these are necessary if your purchase was based on an ndvernsement 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 purchose Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify 3 You must riot yet hare fully pard for the purchase If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at Discover, PO Boz 30945, Sall lake City, UT 84130.0945 White 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 on amount and you do not pay we may report you as delinquent Payments. You may pay all or purl of your Account balance al any time However, you must pay al least the Mnnimuin 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 lo use information on your check to make an electroiuc 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 kw your financial rrsstituhon 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 fime on any cloy will be credited to your Account as of that day Payments received at our processing focilily aper 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 d as an electronic debit 30272958 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your monthly Minimum Payment Due, orareater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments-tthrough 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) thol occurs before your Payment Due Date If your scheduled payment date Falls on a weekend or bank holiday, your payment will be processed the bustness day prior to the weekend or bank holiday In order to schedule monthly payments by, telephone, you will need this statement and your bank account information You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those number as your electronic signature. you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account You also authorize us to initials debit or credit entries to your bank account. as applicable. io correct an error in the processing of such payment You can cancel a scheduled poyment by phone at 1-800347.2683 or by mail at Discover, PO Box 30421, Salt lake City, UT 84130.0421, however we must receive notice at least three business days in advance of the scheduled payment If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will bo made and how much it will be You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U 5 law You can set automatic payments for li) statement New Balance, (u) statement Minimum Payment Due, tui) statement Mtnrmum 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 isreater 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 ayment amount may be less than the amount mdicared on the periodic statement based on credits or payments after the Closing Dale IF you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records �rI-�7' _ Amount 1-_! Full Pay 0 Min Pay 4--! Min Pay + $ I ; Fixed Pay$ Bank Routing # , Bank Account # , Frequency Credit Reporting. We.moy report information about your Account to credit bureaus late payments, missed payments, or other defaults on your Account may be reflected in your credit report We narmolly report the status and payment history of your Account to credit reporting agencies each month IF you believe that our report is inaccurate or incomplete, please write us at the following address Discover. PO Box 15316, Wilmington, DE 19850-5316 Please indicate your name, address, home telephone number and Account number Paying Interest: We begin to impose interest charges on o transaction fee or interest charge from the clay we add it to the daily balance We continue to Impose interest charges until you pay the total amount you owe us You can ovoid paying interest on Purchases as described below However, you cannot avoid paying interest on Balance Transfers or Cash Advances How to Avoid Paying Interest on Purchases ("Grace Period"' If you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement New Purchases are Pe/climes that first appear on the current billing statement How We Apply Payments May Impact Your Grace Period If you do not pay your New Balance in Full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases How We Calculate interest Charges • Daily Balance Method (including current transactions): We calculate interest charges each billing period by first figuring the "daily balance" for each Transaction Category Transaction Categories include standard Purchases, standard Cosh Advances and different promotional balances, such as Batance 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 af 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 billrng period This groes us the interest charges for each Transaction Category To get a daily periodic rote, we divide the APR that applies to the Transaction Category by 365 We add up all the daily interest charges The sum is the total interest charge for the billing period How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category We add Cash Advance Fees to the applicable Cash Advance Transaction Category We add all other Fees to the standard Purchase Transaction Category Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Ram It shows thus 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 rs 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 kw For TDD (Telecommunications Devise for the Deafl assistance, please call 1.800.347.7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes The Drscoverdcard is issued by Discover Bank, Member FDIC Rzrsi rou 1 30272958 Questions? Visit www.Dlseever.com or call 1 -800 -DISCOVER (1.800-347-2683). DISCOVER 9 1 DISC VER NOW Balance Minimum Payment Due: 58,059.39 $169.00 Payment Due Dale August 7, 2012 AVA 1 SHAFFER 105 ARNOLD RD ENOLA PA 17025-2102 Address, e-mail or telephone change Go to www.Discover.com or print change in space above Account Number ending in 4249 Enter Amount Enclosed Below sr I Thank you for your DirectPay automatic payment Your next automaticpayment of $ 169 00 will be on 08/07/12 See Transactions sechon kr additional details PO BOX 71084 CHARLOTTE NC 28272-1084 000001986618065818689080593900000000016900 Opening Date: June 13, 2012 - dosing Date: July 12, Discover More Card Account Summary Account number ending in 4249 Previous Bolanee Poyments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $8,079 96 174 00 + 000 + 0 00 + 0 00 0 00 153 43 $8,059 39 See Interest Charge Calculation section following transactions kr detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $9,100 00 $0 00 $2,300 00 SO 00 You may be able to avoid Interest Charges, see Additional Important Informahan for details Cashback Bonus Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance [a Nnrm mare In m ui www.Discover.com Anniversary Month September $ 000 + 000 $ 0.00 3 Easy Ways to Contact Us 1 Access your account securely al 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, Sall take 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 ITelecommumcatrons Device far the Deaf] assistance, please call 1-800.347-7449 page 1 of 2 Payment Information New Balance $8,059 39 Minimum Payment Due $169 00 Payment Due Date August 7, 2012 Late Payment Warning:If we do not receive your minimum payment by the date listed above, you may hove to pay a kite fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penally APR of 20 2.4% variable 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 make no additional charges using this card and each month you pay You will pay off :the balance shown oe this.efatement la : aboi4 ,And you will end up paying on estimated total of Only the minimum payment 49 years $50,384 $312 3 Year' $1 1,229 ;Savings = $39,155 j 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 bill•, online and easily track all transactions Make your money worth merest", find easy ways to earn and redeem cash rewards NE WI Access your account securely through your mobile phone Transactions Trans. Post Date Dale Payments and Credits Jul 7 Jul 7 PHONE PAYMENT - THANK YOU $ -174 00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS $ 0 00 153 43 0 00 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC•VER Paperless statements mean less clutter, more convenience Easily occess up to 24 months of downloadable, password protected statements • See your statement os soon as Pi's available rather than wail for it to arrive in your mailbox, • Get helpful payment reminders Through email or text messages on your mobile phone • Pant a paper copy of your statement anytime • Sign up today of Discover.com/paperless &.7010 anmnva Nati Member FOC PAVER, 0310 Transactions Trans. Peel (cont.) oate Dole Intend Charged TOTAL INTEREST FOR THIS PERIOD $ 153,43 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 TOTAL INTEREST CHARGED IN 2012 30272958 o 00 1,006 96 Questions? Visit www.Discover.com or call I -800-DISCOVER (1-800-347-2684 DISCOVER DISC VER Nprim w DISC VER AVA I SHAFFER Account number ending in 4249 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate )APR) is the annual interest rate on your account Current Biding Period: 30 days TYPE OF BAIANCE ANNUAL PERCENTAGE ' BALANCE J ECT TO INTEREST CHARGE PRINTEREST SUBJECT Purchases 15 24% V $0 $0 Cash Advances 22 99% $8,119 34 $153 43 V = Variable Rale Information For You Your next automatic minimum payment of $ 169 00 will be on 08/07/12 My payments made prior to this date will be applied towards your minimum payment due Any credits applied to your Account For the billing cycle reflected on this statement may lower your minimum payment due and thus the scheduled DiredPay amount Additional important Information See your Cwdmember Agreement. Your Cordmember Agreement contains all the terms of your Account Lost or stolen cards. Report immediately) Col 1-800-347-2683. What To Do if You Think You Find A Mistake On Your Statement ff you think there a 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 Dakar amount The dollar amount of the suspected error Description of Problem If you thunk there is an error on your bill, describe what you believe is wrong and why you believe 1 n 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 tatement, and we may continue to charge you interest on that amount But, if we determine that we mode o mistake, you will not have to pay the amount in question or any interest or other fees related to that amount While you do not have to pay the amount in question, you are responsible for the remainder of your balance We can apply any unpard amount against your credit limit Your Rights if You Are Dissatisfied With Your Credit Cord Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have hied in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, all of the following must be true 1 The purchase must have been made in your hone state or within 100 miles of yaur current mailing address, and the purchase price must have been more than $50 lNo1e Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that said you the goods or services 2 You must have used your credit 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 pard for the purchase If ail of the criteria above ore met and you are still dissatisfied with the purchase, contact us in writing at Discover, PO Box 30945, Salt lake City. UT 84130-0945 While we investigate, the same rules apply to the disputed amount as discussed above After we knish our investrgatton, we will tell you our decision At that paint, if we think you owe an amount and you do not pay we may report you os delinquent Payments. You may pay all or part of your Account balance at any time However, you must pay al least the Minimum Payment Due 6y the Payment Due Date Send only your payment and the top portion of thin cielement 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 mdtcated 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 poyment, and you will not receive your check back from your financial institution The processing of your payment may delayed If you send cash, correspondence or other items write your payment, if you send the payment to any other address or if you use an envelope other than the one provided Payments received in proper form of our processing Facility by 5PM local time on any day will be credited to your Account as of that day Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197.6103 Please allow 7-10 days for delivery If your payment is returned unpaid, we reserve the right io resubmit 11 as an electronic debit 30272958 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCSVER 0 You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1.800.347.2683 Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment date le g , the 15th day of the month) that occurs before your Payment Due Date 11 your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business dayrior to the weekend or bank holiday In order to schedule monthly payments bytelephone, you will need this statement andyourbank account information You will be asked to provide the last our (4) digits of the social necuritynumber of the primary borrower 8y 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, fo correct an error in the processing of such payment You can cancel a scheduled payment by phone at 1.804347.2683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 84130-0421, however we must receive notice at least three business days in advance of the scheduled payment If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will he 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 Irl statement New Balance, (e) statement Minimum Payment Due, (ice) statement Minimum Payment Due plus a fixed dollar amount, or IN) a fixed dollar amount If your scheduled fixed payment is not enough to cover the Minimum Payment Due as fisted on your monthly billing statement, your scheduled payment for that month will be increased to cover the Mmrmum Payment Due If the scheduled payment is greater than the Minimum Payment DUs, any excess will be applied in accordance with your Cardmember Agreement lryour scheduled payment rs greater than the New Balance on your telling 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 fi&•m the Following blanks below and retain the authorization for your records Amount 0 Full Pay ❑ Min Pay ❑ Min Pay + $__- L _ Fixed Pay$__ Bank Routing # , Bank Account # Frequency Credit Reporting. We may report rnformahon about your Account to credit bureaus Late payments, missed payments, or other defaults on your Account may be reflected in your credit report We narmolly report the status and payment history of your Account to credit reporting agencies each month IF you believe that our report is inaccurate or incomplete, please write us at the Following address Discover, PO Box 15316, Wilmington, DE 198545316 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 an Balance Transfers or Cosh Advances How to Avoid Paying Interest on Purchases ("Grace Period") If you paid the t'lew Balance on your previous billing statement by the Payment Due Date shown on Mot billing statement, we will not impose interest charges on new Purchases or any portion of a new Purchase, paid by the Payment Due Dote on your current billing statement New Purchases are Purchases that first appear on the current billing statement How We Apply Payments May Impact Your Grace Period If you do not pay your New Bakince 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 an 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 Tater of the Transaction Dole 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 ether adiustments (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 rale 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 apphes to the Transaction Category by 365 We add up of the daily interest charges The sum rs 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 standaid Purchase Transaction Category Balance Subject to Interest Rale. 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 15 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 ItZNire00l 30272958 Questions? Visit www.Dlscover,com or call 1 -800 -DISCOVER (1-800-347-2OB3j, DISCOVER Q DISC VER New Balance Minimum Payment Due. $8,04842 $174.00 Payment Due t3ule September 7, 2012 AVA 1 SHAFFER 105 ARNOLD RD ENOLA PA 17025-2102 Address, e-mail or telephone changee Go to www.Discover.com or print change in space above Account Number ending in 4249 Enter Amount Enclosed Below Thank you for your DirecfPoy ouiomahc payment Your next oulomalicpayment of $ 174 00 will 6e on 09/07/12 See Transactions section For additional details PO BOX 71084 CHARLOTTE NC 28272-1084 000001986618065818689080486200000000017400 Opening Date: July 13, 2012- Closing Date: August 1 Discover More Card Account Summary ACcounI number ending in 4249 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $8,059 39 169 00 + 0 00 + 0 00 + 0 00 + 0 00 + 158 23 $8,048 62 See Interest Charge Colculalion section following hansochons for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $9,100 00 $0 00 $2,300 00 $0 00 You may be able to avoid Interest Charges, see Additional Important Information far deloils Casllback Bonus' Opening Cashback Bonus Balance New Cashback Bonus The Period Cashback Bonus Balance To *nal mate toe m W www.Discover.com Anniversary Month September $ 0 00 + 0 00 $ 0.00 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call 1.800 -DISCOVER (1.800.347-2683) Please have your Drscovertecard available 3 Write to us at Discover, PO Box 30943, Soft Lake City, UT 84130 (Not a payment address) For payments, please send to address an 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 $8,048 62 Minimum Payment Due $174 00 Payment Due Dote September 7, 2012 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to poy a tote fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penally APR of 20 24% variable Minimum Payment Warning: If you make only the minimum payment each period, you will poy mare in interest and d will take you longer to pay off your balance For example It you. make no od.dttional charges using thio tacd and eocb month you pay You will pay off :the balaece shown so this <taterner Iin cthoit .And you w tlll end up paying an estrmpfed total of , Only the minimum payment 49 years $50,259 $312 3 Yea" $11,215 Savings = $39,044 ) 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 tads tike Paydown Planner to creole a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth moreeasy ways to earn and redeem cash rewards NE WI Access your account securely through your mobile phone Transactions Payments and Credits Trans. Past Date Dale Aug 7 Aug 7 PHONE PAYMENT - THANK YOU $ -169 00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 11130"29t8 INTEREST CHARGE ON PURCHASES $ 0 00 INTEREST CHARGE ON CASH ADVANCES 158 23 INTEREST CHARGE ON BALANCE TRANSFERS 0 00 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean Tess clutter, more convenience Easily access up to 24 months of downtoodable, password protected stoternents • See your statement as soon as it's available rather than wolf for it to arrive In your mailbox. • Get helpful payment reminders through e -moil or text messages on your mobile phone • Panto poper copy of your statement onyhme • Sign up today at Discover.com/paperless S OI C arsnrvti back Member FITC PAVER OJ la Transactions (cont.) Trans. Post Dere Duty Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 158.23 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 TOTAL INTEREST CHARGED IN 2012 30272958 S 000 1,245 19 Questions? Visit www.Discover.com or call I.800 -DISCOVER j I -800-347-2683). DISCOVER DISC VER It pays to DISC VER AVA I SHAFFER Account number ending in 4249 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APRT is the annual interest rate on your account Current Billing Period: 31 days TYPE OF BALANCE ANNUAL PERCENTAGE BAAECT ECT TO INTEREST CHARGE A�RATE Purchases 15 24% V $0 $0 Cash Advances 22 99% $8,103 24 $158 23 V = Variable Rate Information For You Your next automatic minimum payment of $ 174 00 will be on 09/07/12 Any payments made prior to this date will be applied towards your minimum payment due Any credits applied to your Account for the billing cycle reflected on this statement may lower your minimum payment due and thus the scheduled DireciPay amount Additional Important Information See your Cerdmember Agreement, Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report rmmediatelyl 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 reformation Your name and account number Dafar amount The dollar amount of the suspected error Desvnphon of Problem If you think there is an error on your bill, describe what you believe is wrong and why you believe I 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 rnvesligate any potential errors and you may have to pay the amount in question While we investigate whether or not there has been an error, the following ore true We cannot try to collect the amount in question, or report you as delinquent on that amount The charge in question may remain an your statement, and we may continue to charge you interest on that amount But, If we determine that we made o mistake, you will not have to pay the amount in question or any interest or other fees related to that amount While you do riot hove to pay the amount in question, you are responsible for the remainder of your balance We con apply any unpaid amount against your credit limit Your Rights if You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit cord, and you have fried in good faith to correct the problem with the merchant, you may have the right not io pay the remaining amount due an the purchase To use this right, all of the following must be true 1 The purchase must have been madam your home state or within 100 miles of your current mailing address, and Ole purchase price must have been more than $50 Note Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that said you the goods or services 2 You must hove used your credit and for theurchase Purchases made with cash advances from an ATM or with a check that accesses your credit card accountdonot 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 64130-0945 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 tune However, you must pay al 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 moke an electronic fund transfer From your account of the financial institution indicated an 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 fo 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 cook, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day Payments received at our processing facility after SPM local Mine will be credited to your Account as of the next day If you have misplaced your envelope, send your payment to Discover, PO Bax 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 d as an electronic debit 30272958 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC•VER 1 f 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 Dale unless you request a recurnng payment date (e gthe 15th day of the month) that occurs before your Payment Due Date If your scheduled payment dote folks on a weekend or bank holiday, your payment wiN 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 socia) 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 processutg of such payment, You can cancel a scheduled payment by phone ai 1.800.347.2683 or by mail at Discover, PO Box 30421, Salt fake City, UT 84130.0421, however we must receive notice at least Three business days in advance of the scheduled payment If your payments may vary in amount, we will tell you on each monthly bilking statement when your payment will be made and how much it will be You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U S law You can set automatic payments For (r) statement New Balance, (u) statement Minimum Payment Due, jut) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount If your scheduled hied payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement IF -your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only For the amount of your New Balance Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credits or payments after the Closing Date If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records Amount ❑ Full Pay ❑ Mw Pay ❑ Mm Pay + $ —, a Fixed Pay$ Bank Routing ft Bank Account # Frequency Credit Reporting, We may report information about your Account to credit bureaus late payments, missed payments, or other delaults on your Account may be reflected in your credit report We narmolly report the status and payment history of your Account to credit reporting agencies each month if you believe that our report is inaccurate or incomplete, please write us at the following address Discover, PO Box 15316, Wilmington, DE 19850.5316 Please indicate your name, address, home telephone number and Account number Paying Interest: We begin to impose interest charges on a transaction fee or interest charge from the day we add it to the daily balance We continue to impose interest charges until you pay the total amount you owe us You can avoid paying interest on Purchases as described below However, you cannot avoid paying interest on Balance Transfers or Cosh Advances How to Avoid Paying interest on Purchases ("Grace Period") If you paid the 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 an 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 an new Purchases How We Cakulate Interest Charges • Daily Balance Method 'including cement trensactionslt We calculate interest charges each billing period by first figuring the "daily balance" for each Transaction Category Transaction Categories include standard Purchases, standard Cath 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 las( day of your previous billing period We oddony interest charges accrued on the previous day's daily balance and any new transactions and fees We add any new transactions or lees as of the later of the Transaction Dote or the first day of the billing period in which the transaction or fee posted to your Account We subtract any new credits and payments We make other adjustments (including those adjustments required in the "Paying Interest" section) How We Figure Your Total Interest Charges We multiply the daily balance for each Transaction Category by its daily periodic rate We do this For each day in the billingperiod This gives us the rnierest charges For each Transaction Category To get o daily periodic rale, we dividthe APR that applies to the Transaction Cafegory by 365 We add up all the dolly 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 appltcoble Cash Advance Transaction Category We add all other fees to the standai d Purchase Transaction Category Balance Subject to Interest Rate. Your statement shows a Balance Sublect to Interest Rate It shows this for each transaction category The 'Balance Subject to Interest Rate is the average of the daily balances during the billing period Credit Balances. If your Account has a credit balance, the amount is shown on the front of your bilking 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 For TDD (Telecommunications Device for the Deaf) assistance, please call 1.800.347.7449. Discover may monitor and/or record telephone calls between you and Discover' representatives for quality assurance purposes The Discover®card is issued by Discover Bank, Member FDIC RZNFEOO1 30272958 Questions? Visit www.Dlscover.com or call 1 -800 -DISCOVER {1-800-347-2683). DISCOVER 11 1 DISC VER New Balance $8,032.62 AVA 1 SHAFFER 105 ARNOLD RD ENOLA PA 17025-2102 Minimum Payment Due $ 173.00 Payment Due Dale October 7, 2012 Address, e-mail or telephone changee Go to www,Discover.com or print change in space above Account Number ending in 4249 Enter Amount Enclosed Below 1 Thank you far your DirecIPay automatic payment Your next automatic payment of $ 173 00 will be on 10/07/12 See Transactions seetion for additional details PO BOX 71084 CHARLOTTE NC 28272-1084 000001986618065818689080326200000000017300 Opening Date: August 13, 2012 - Closing Date: Sept Discover More Card Account Summary Account number ending in 4249 Previous Balance Payments And Credi4 Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $8,048 67 17.400 • 000 + 0 00 + 000 0 00 158 00 $8,032 62 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $9,100 00 $0 00 $2,300 00 $0 00 You may be able lo avoid Interest Charges, see Additional Important Information for details Cashback Bonuse Opening Cashback Bonus Balance New Cashbook Bonus This Period Cashback Bonus Balance To learn wia Lou o, of www.0incovan.com Anniversary Month September $ 0 00 + 000 $ 0.00 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.cam 2 Call I.800.DISCOVER 11.800.347.26831 Please have your Discover3 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 $8,032 62 Minimum Payment Due $173 00 Payment Due Date October 7, 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 20 24% variable 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 . Ifyou make no additional charges wog thi: card and each month you pay :You wif pay off tha balance shown :on this statement ;Tri about ,And you will end up paying an eslrrncoed total of , Only the mrmmurn payment 49 years $50,023 $311 3years $11,193 )Savings = 338,830 ) f you would like information aboul credit counseling services, call 1-800-347-1121 Manage Your Account Online at www.Discover.com Access free online tools like Poydown 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 rnorew.,. fund easy ways to earn and redeem cash rewards NEW Access your account securely through your mobile phone Transactions Trans. Post Date Date Payments and Credits Sep 7 Sep 7 PHONE PAYMENT - THANK YOU $ -174 00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 "t 8 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS $ 0 00 158 00 0 00 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadable, password protected statements • See your statement as soon as it's available rather than wail for d to arrive in your mailbox. • Gel helpful payment reminders through e-mail or text messages on your mobile phone • Print o paper copy of your statement anytime • Sign up today al Discover.com/paperless ,c;201(1Duenrcr Bunk Manber FON: PAPER, 0710 Transactions (cont.) Trans. Post Date Dote Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 15B.00 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 TOTAL INTEREST CHARGED IN 2012 30272958 $ 000 1,403 19 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347.2683). DISCOVER DISC VER tl pays DISC VER AVAISHAFFER Account number ending in 4249 pose 2of2 Interest Charge Calculation Your Annual Percentage Rate IAPRI is the annual interest rate on your account Current Billing Period: 31 days TYPE OF BALANCE ANNUAAPL PERCENTAGE INTEREST BALANCE R SUBJECT TO INTEREST CHARGE RATE (E Purchases 15 241. V $0 $0 Cast Advances 22 99% $8,091 40 $158 00 V = Variable Rate Information For You ' `Discover Home Loans State Licensing Info'' Not all applicants are approved Terms and conditions apply AZ Mortgage Brinker 11C No 0919392, Licensed by the Dept of Corporations under the CA Residential Mortgage Lending Act, Regulated by the CO Division of Real Esker*, GA Residential Mortgage Licensee #33265, IL Residential Mortgage Licensee #MB 6760852 -Dept of Financial Regulation, 100 W Randolph, 9th Floor, Chicago, IL 60601, MA Mortgage Lender Mortgage Broker UC #MC837915, Licensed by the MS Dept of Banking and Consumer Finance, Licensed by the NH Bankmg Dept, NJ Residential Mortgage Lender UC, OH Mortgage Broker Ad Mortgage Banker Exemption #MBMB 850150 000, OR Mortgage Lender LIC #ML•5100, Licensed by the PA Dept of Banking, VA Exempt Company Regestralion, licensed in WA under the name of DFS HL Inc , Consumer Loan 11C #C4837915, Discover Home Loans, Inc 's NMLS #837915 Not available in NV, NY & RI Your next autamohc mmirnum payment of $ 173 00 will be on 10/07/12 Any payments made prior to this date well be applied towards your minimum payment due Any credits applied to your Account for the billing cycle reflected on this statement may lower your minimum payment due and thus the scheduled DirectPcy amount Additional Important Information See your Cardmember Agreement, Your Cardrnember 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 ai Discover, PO Box 30421, Salt Lake City, UT 64130.0421 In your letter, give us the following information Account mformatron Your name and account number Dollar amount The dolkir amount of the suspected error Description of Probteem If you think there is an error on your bill, describe what you believe is wrong and why you believe it ns a mistake You must contact us within 60 days alter the error appeared on your statement You must notify us of any potential errors in wrihng 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 imresligale 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 tesponscble for the remainder of your balance We can apply any unpaid arnountagamst your credit limit Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit cord, and you have tried in good Faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, all of the following must be true 1 The purchase muu 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 awn 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 Phot accesses your credit card account do not qualify 3 You must not yet have fully pard for the purchase If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing nt Discover, PO Box 30945, Sok 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 an 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 dheck When we use information from your check to nuke an electronic Fund transfer, funds may be withdrawn from your account as soon as the carne day we receive your payment, and you will net receive your check back from your [mantle! 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-i 0 days for delivery If your payment is returned unpaid, we reserve the right to resubmit d os an electronic debit 30272958 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your monthlyMunimum Payment Due. or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments -through a customer service representative by calling 1-800-347.2683 Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment date (e the 15th day of the month) that occurs before your Payment Due Date If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the last four (4) digits of the social security number of Ibe 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, os applicable. to•coirect an error in the:processing of such payment You can cancel a scheduled payment by phone at 1.860.347.2683 or by marl at Discover, PO Box 30421, Salt Lake City, UT 84130.0421, however we must receive nohce 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 (i) statement New Balance, (n) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus o fixed dollar amount, or Irv) 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 maybe less than the amount indicated on the periodic statement bused on credits or payments after the Closing Dale If you enroll by phone in our automatic payment service, please filler the following blanks below and retain the authorization For your records _ Amount n Full Pay ❑ Min Pay Min Pay + $ , 1 J Fixed Pay$ Bank Routing # , Bank Account # Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payments, missed payments, or other defaults on your Account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agencies each month If you believe that our report is inaccurate or incomplete, please write us at the following address Discover. PO Box 15316, Wilmington, DE 198505316 Please indicate your name, address, home telephone number and Account number Paying imerest. We begin to impose interest charges on a transaction fee or interest charge from the day we add it to rhe daily Mance We continue to impose interest charges until you pay the total amount you owe us You can avoid paying interest on Purchases as described below However, you cannot avoid paying interest on Balance Transfers or Cosh Advances How to Avoid Paying Interest on .Purchases ("Grace Period") If you puri 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 baiting statement New Purchases are Purchases that first appear on the current billing stotoment 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 billing period is your balance on the last day of your previous billing period We add any interest charges accrued an the previous day's doily balance and any new transactions and foes We odd any new transactions or fees as of the later of the Transaction Dote or the first day of the billing period in which the transaction or fee posted to your Account We subtract any new credits and payment's We make other adjustments (including those adjustments required in the "Paying Interest" section) How We Fgure Your Total Interest Charges We mubtply the daily balance for eadr Transaction Category by its daily periodic rate We do this for each day in the bdhnfl period This gives us the interest charges for each Transaction Category To get a daily peitodre rote, we divide the APR that applies to the Transaction Category by 365 We add up all the darty 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 ell other fees to the standard Purchase Transaction Category Balance Sub)ect to Interest Rate. Your statement shows a Balance Subject to Interest Rate It shows thin 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 an the front of your billing statement A credit balance is money that is owed to you You may makechargesagainst this amount if your Account is open We will send you a refund of any remaining balance of $1 00 or more after 6 months, or as otherwise required by applicable law For TDD (Telecommunications Device for the Deal] assistance, please call 1.800.347.7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes The Drscover@card is issued by Discover Bank, Member FDIC xzrvre x i 30272958 Questions? Visit www.DIscover.com or call 1 -800 -DISCOVER (1-800-347-26831. DISCOVER DISC VER* New Balance $8,012,15 AVA !SHAFFER 105 ARNOLD RD ENOLA PA 17025-2102 Minimum Payment Due. $168.00 Payment Due 'Date November 7, 2012 Address, e-mail or telephone changed Go to www.Discover.com or print change in space above Account Number ending in 4249 Enter Amount Enclosed Below Thank you for your DuectPay automahc payment Your next outomalicpayment of $ 168 00 will be on 11/07/12 See Transactions section for additional details PO BOX 71084 CHARLOTTE NC 28272-1084 000001986618065818689080121500000000016800 Opening Date: September 13, 2012 - Closing Date: Oc Discover More Card Account Summary Account number ending in 4249 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $8,032 62 173 00 + 0 00 + 000 + 0 00 + 0 00 + 152 53 $8,012 15 See interest Charge Calculation section fallowing transachons for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $9,100 00 $0 00 $2,300 00 $0 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 Cashback Bonus Balance ra k:.m mare k,g in et www.Discover.com Anniversary Month September $ 0 00 + 000 $ 0,00 3 Easy Ways to Contact Us 1 Access your account securely at www.Dfscover.cam 2 Call 1.800-0ISCOVER (1.800-347.2683) Pleose have your Discover® card evadable 3 Write to us at Discover, PO Box 30943, Sol Lake City, UT 84130 (Flat a payment address) For payments, please send to address on :eminence or Discover, PO Box 6103, Carol Stream, IL 60197-6103 For TAD (Telecommunications Device for the Deaf) assistance, please call 1-800-347,7449 page 1 of 2 Payment Information New Balance $8,012 15 Minimum Payment Due $168 00 Payment Due Dote November 7, 2012 Late Payment Warning: If we do not receive your minimum payment 6y the date listed above, you moy 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 20 24% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and i1 will lake you longer to pay off your balance for example If yati Make no dditional charges using this Gard and each month you pay 'lou;vill payoff ifre balance shown on this statetn8nt in about And you will and up paying an estimated total of , Only the minimum payment 49 years $49,846 $310 3 years $11,164 Savings = $38,682 f if you would like information about credit counseling services, coil 1-800-347-1121 Manage Your Account Online at www.Discover.com Access free online toils like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth moresm.---find easy ways to earn and redeem cash rewards NEWI Access your account securely Through your mobile phone Transactions Payments and Credits Trans. Past Date Date Oct 7 Oct 7 PHONE PAYMENT - THANK YOU $ •17300 Foos TOTAL FEES FOR THIS PERIOD $ 0.00 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS $ 0 00 152 53 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 Mon wail for 1t to arrive in your mailbox. • Get helpful payment reminders through e•moil or text messages on your mobile phone • Print a paper copy of your statement anytime • Sign up today at Discover.com/paperless s+aa 10 011C0•tr &4Pi M nbar ECK. PAPER 0310 Transactions (cont.) Trans. Post Date Data Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 15253 2012 Totals Year -to -Date 30272958 TOTAL FEES CHARGED IN 2012 TOTAL INTEREST CHARGED IN 2012 0 00 1,555 72 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800.347-2683 . DISCOVER DISC VER it pays to DISC VER AVA I SHAFFER Account number ending in 4249 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR1 is the annual interest rate an your account Current Billing Period: 30 days TYPE OF BALANCE ANNUAL N{ALPERCENTAGE RESUBJECT TO INTEREST CHARGENINTEREST RATE Purchases 15 24% V $0 $0 Cash Advances 2299% $8,071 77 $152 53 V = Variable Rafe Information For You Your next automatic minimum payment of $ 168 00 will be on 11/07/12 Any payments made prior to this dote will be applied towards your minimum payment due Any credits applied to your Account for the billing cycle reflected on this statement may lower your minimum payment due and thus the scheduled DuectPoy amount Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report immediatetyt Cal 1.800.347.2683. What ro Do ti You Think You Find A Mistake On Your Statement If you think there a on error on your statement, write to us at Discover, PO Box 30421, Salt Lake City, UT 84130.0421 In your leiter, give us the Following information Account tn/ormahon Your name and account number Dollar amount The dollar amount of the suspected error Descnptroi of Problem If you think there is an error on your bill, describe what you believe a wrong and why you believe it is a matoke 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 d 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, hf we determine that we made a mistake, you will not have to pay the amount in question or any interest or other Fees related to that amount While you do not hove to pay the amount in question, you are responsible for the remainder of your balance We con apply any unpaid amount against your credit limit Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit cord, and you have tried in good faith to correct the problem with the merchant, you may 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 oddress, and the pvrchase price must have been more than 350 (Note Neither of these are necessary if your purchase was based ori on advertisement we mailed to you , or if we own the company that sold you the goods or services ) 2 You must have used your credit curd for the purchase Purchoses made with cash advances from an ATM or with a check that accesses your credit card account do not qualify 3 You must not yet have fully paid For the purchase If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at Discover. PO Box 30945, Salt Lake City, UT 84130-0945 While we investigate, the same rules apply to the disputed amount as discussed above After we finish our investigation, we will tell you our decision At that point, if we think you owe an omount and you do not pay we may report you as delinquent Payments. You may pay all or 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 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 fo 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 riot receive your check back from your financial institution The processing of your payment may be deloyed if you send cash, correspondence or other items with your payment, if you sand the payment to any other address or it you use an envelope other than the one provided Payments received in proper form d our processing focally by 5PM local time on any clay will be credited to your Account as of that day Payments received at our processing facility after 5PM Tocol time will be credited to your Account as of the next day If you have misplaced your envelope, sand 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 rigrit to resubmit a as an electronic debit 302729668 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCSVER 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 Automahc payments will be deducted on the Payment Due Date unless you request a recurring payment dote legthe 15th da of the month) that occurs before your Payment Due Date If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need ilia statement and your bank account inlormatron 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 lo initiate debit or credit entries to your bank account, as applicable, to carect on error in the processing of such payment You can cancel a scheduled payment by phone at 1.8M347.2683 or by mad at Discover, PO Box 30421, Salt Lake City, UT 84130-0421, however we must receive notice at least three business days in advance of the scheduled payment If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be You must ensure that sufficient Funds ore available in your bank account, and all transactions must comply with U S low You can set automatic payments for (r) statement New Balance, (tij statement Minimum Payment Due, Oa) statement Minimum Payment Due plus a fixed dollar amount, or )uv) a fixed dollar amount IF your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement IFyour scheduled payment in greater than the New Balance on your hiling statement, That payment will be processed only For the amount of your New Balance Your automatic payment amount maybe Tess than the amount indicated on the penodic statement based on credits or payments after the Closing Date IF you enroll by phone in our automatic payment service, please hll•in the following blanks below and retain the authorization for your records Amount ❑ Full Pay ❑ Min Pay ❑ Min Pay + $_— J Fixed Pay$ Bank Routing # Bank Account # , Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payments, missed payments, or other defaults on your Account may be reflected in your credit report We normally report the status and payment histaiy of your Account to credit reporting agencies each month IFou believe that ow report is inaccurate or incomplete, please write us at the Following address Discover, PO Box 15316, WYlmington, DE 198505316 Please indicate your name, address, home telephone number and Account number Paying Interest: We begin to impose interest charges on a transaction Fee or interest charge horn the day we add it to the daily balance We continue to impose interest charges until you pay the total amount you owe us You 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 paition of a new Purchase, paid by the Payment Due Date on your current billing statement New Purchases are Purchases that first appear on the current billing statement How We Apply Payments May Impact Your Grace Period If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may not ger a grace period on new Purchases How We Calculate interest Charges - Daily Balance Method (including current transactions): We calculate interest charges each billing period by first figuring the "daily balance" for each Transaction Category Transaction Categories include standard Purchases, standard Cash Advances and different promotional balances, such as Balance Transfers How We Figure the Daily Balance For Each Transaction Category We start with the beginning balance for each day The beginning balance for the first day of the billing period 15 your balance on the fast day or your previous belting 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 odiustments (including those adjustments required in the "Paying Interest" section) How We Figure Your Total Interest Charges We multiply the daily balance for eoch Transachon Category by its daily periodic rote We do this for each day in the billing period This gives es the interest charges Far 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 Balonce Transfer Fees to the opplrcable Balance Transfer Transaction Category We add Cash Advance Fees to the applicable Cash Advance Transaction Category We add all other fees to the standaid Purchase Transaction Category Balance Subject to Interest Rate. Your statement shows a Balance Subject to interest Rare It shows this for each transaction category The Balance Subject to Interest Rate is the average of the daily balances during the billing period Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement A credit balance is money that is owed to you You may make charges against this amount 4 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 (Telecommenicatians Device for the Deaf] assistance, please call 1.800.347.7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes The Discoverwcard is issued by Discover Bank, Member FDIC RZNnsoa i 30272958 Questions? Visit www.Discover,com or can I.800 -DISCOVER (1-800-347-26831. DISCOVER: Cl DISC VER New Balance $8,001.45 AVA 1 SHAFFER 105 ARNOLD RD ENOLA PA 17025-2102 Minimum Payment Due. $173.00 Payment Due Bale December 7, 2012 Address, e-mail or telephone changer Go lo www.Discover, om or print change in space above Account Number ending in 4249 Enter Amount Enclosed Below 1 Thank you for your Di edPay automatic payment Your next autornahc ayment of $ 173 00 will be on 12/07/12 See Trransoctions section for additional details PO BOX 71084 CHARLOTTE NC 28272-1084 000001986618065818689080014500000000017300 Opening Date: October 13, 2012 - Closing Date: Move Discover More Card Account Summary Account number ending in 4249 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $8,012 15 16800 + 000 + 000 + 000 + 000 + 15730 $8,001 45 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credo, Line Available Cash Advance Credit Line Cash Advance Credit Line Available $9,10000 $0 00 $2,300 00 $0 00 You may be able to avoid Interest Charges, see Additional Important information far details Cashback Bonus"' Opening Cashbook Bonus Balance New Cashback Bonus Thin Period Cashback Bonus Balance $ 0.00 ra Worn mete ion m ni www:Discover.com Anniversary Month September $ 0 00 + 0 00 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call 1 -800 -DISCOVER (1.800.347.2683) Please have your Discoverrecard available 3 Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 (Nota payment address) For payments, pleats 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 $8,001 45 Minimum Payment Due $173 00 Payment Due Dote December 7, 2012 Late Payment Warning: If we do not receive your minimum payment by the date fisted above, you may have to pay a late fee of up io $35 00 and your purchase and bolance transfer APRs for new transactions may be increased up to the Penalty APR of 20 24% variable Minimum Payment Warning: If you make only the mrnrrnum payment each period, you will pay more in interest and d will take you longer to pay off your balance For example If you Make no additional charges using this cors) °NI each month you pay You will pay off .the balance shown ey this staterri8nt in about And you W111 end up paying an -orjrmated Mal of , Only the minimum payment 49 years $49,670 $310 3 years $11,148 (Savings = $38,522 ) f you would Irke inlormahon about credit ounseling services, call 1-800-347-1121 Manage Your Account Online at www.Discover.com Access Free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth moreSr'^--•-find easy ways to earn and redeem cash rewards NE WI Access your account securely through your mobile phone Transactions Payments and Credits Trans. Post Date Data Nov 7 Nov 7 PHONE PAYMENT - THANK YOU $ -168 00 Foos TOTAL FEES FOR THIS PERIOD $ 0.00 1n1V 1291318 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS $ 0 00 157 30 000 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadable, password protected statements • See your statement as soon as it's available rather than wail for it lo arrive in your mailbox. • Get helpful payment reminders Through e•mo l or text messages on your mobile phone • Print a paper copy of your statement anytime • Sign up today at Discovercom/paperless :2010 QIrCfWer hoar: U .nber FIYC ?AVER 0710 Transactions (cont.) Trans. Post Dasa Dale Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 157.30 2012 Totals Year -to -Date 30272958 TOTAL FEES CHARGED IN 2012 TOTAL INTEREST CHARGED IN 2012 $ 000 1,713 02 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISC•VER DISC VER Rpaysk, DISC VER AVA I SHAFFER Account number ending in 4249 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APRT is the annual interest rate on your account Current Billing Period: 31 days TYPE OF BALANCE RAE (AL PERCENTAGE &MANCE R BJECT TO INTEREST CHARGE E Purchases 15 24% V $0 $0 Cady Advances 22 99% $8,055 75 $157 30 V = Variable Rale Information For You Your next automatic minimum payment of $ 173 00 will be on 12/07/12 Any payments made prior to this date will be applied towards your minimum payment due Any credits applied to your Account for the billing cycle reflected on this statement may lower your minimum payment due and thus the scheduled DueclPay amount Addhional Important Inforntetlon See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report immedratelyl Call I-800.347.2683, What To Do if You Think You Find A Mistake On Your Statement If you think there is an error an your statement, write to us at Discover, PO Box 30421, Salt Lake City, UT 84130-0421 In your Tetter, give us the following information Account information Your nome and account number Dam amount The dollar amount of the suspected error Descnpfro> 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 ager the error appeared on your statement You must notify us of any potential errors in writing You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question While we investigate whether or not there hos been an error, the following are true We cannot try lo collect the amount in question, or report you as delinquent on that amount The charge in question may remain on your statement, and we may continue to charge you interest on that amount But, if we determine that we made o mistake, you wall not have to pay the amount in question or any interest or other fees related ko 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 Mb Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit cord, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on Bre purchase To use this right, all of the following must be true 1 The purchase must have been mode in your home state or within 100 miles of your current mailing address, and the purchase price must have been more thon $50 (Note Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we awn the company that sold you the goods or services ) 2 You must have teed your credit card for the purchase Purchases mode with cash advances from an ATM or with a check that accesses your credal card account do not qualify 3 You must not yet have Fully paid for the purchase If all of the critena above are met and you are still dissatisfied with the purchase, contact us in writing at Discover. PO Bax 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 Acrouni balance at any time However, you must pay at least the Minimum Payment Due by the Payment Due Dote Send only your payment and the top portion of thus 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 moke an electronic fund transfer from your account at the financial instiluhon indicated on your check or to process the payment os a check Transaction If payment is processed as an electronic fund Transfer, the transfer will be for the amount of the check When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check buck 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 ane provided Payments received in proper form at aur processing facility by 5PM local time an any day will be credited to your Account as of that day Poyments received at our processing facility after 5PM local time will be credited to your Account as of the next day If you have misplaced your envelope, send your payment to Discover, PO Bax 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 30272958 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can payour monthly Minimum Payment Due, or a reater 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 Automatrc payments will be deducted on the Payment Due Dale unless you request a recurring payment dale (e g , the 15th day of the month) that occurs before your Payment Due Date If your scheduled payment 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) drgi s 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. ham your bank account You also authorize us to inhale debit or credit entries to your bank account, as applicable, to correct an error in the processing at such payment You can cancel a scheduled payment by phone at 1.800-347-2683 or by mail at Discover, PO Box 30421, Salt take City, UT 84130.0421, however we must receive notice at leotthree busyness days in advance of the scheduled payment If your payments may vary m amount, we will tell you on each monthly bilking statement when your payment will be made and how much it will be You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U 5 law You can set automatic payments For (t) statement New Balance, (n) statement Minimum Payment Due, hit) statement Minimum Payment Due plus a fixed dollar amount, or hv) a fixed dollar amount If your scheduled heed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing srotement, your scheduled payment for that month will be increased to cover the Minimum Payment Due lithe scheduled payment is greater than the Minimum Payment Due, any excess will be applied in actordonce with your Cardmember Agreement IFyour scheduled payment rs greater than the New Balance on your biting 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 Dale If you enroll by phone in our automatic payment service, please 611-rn the Following blanks below and retain the authorization for your records Amount Full Pay ❑Min Pay Min Pay + $ l 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 aedrt report We narrnolly report the status and payment history of your Account to credit reporting agencies each month If you believe that our report to Inaccurate or incomplete, please write us at the following address Discover, Pd Box 15316, Wilmington, DE 19850.5316 Please indicate your name, oddress, 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"I If you paid the New Balance on your previous billing statement by the Payment Due Date strewn on that billing statement, we will riot impose interest charges on new Purchases or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement Now Purchases are Purchases that first appear on the current billing statement How Wo Apply Payments May Impact Your Grace Period If you do not pay your New Balance in full each month, then, depending an 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 teansactions)t 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 promohonal balances, such an Balance Transfers How We Figure the Nay 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 biting period We add any interest charges accrued on the previous day's dotty balance and any new transactions and fees We add any new transactions or fees as of the later of the Transaction Dote or the first day of the billing period in which the transaction or fee posted to your Account We subtract any new credits and payments We make other adjustments (including those adjustments required in the "Paying Interest' section) How We Figure Your Total Interest Charges We multiply the daily balance for emir Transaction Category by ib daily periodic rate We do this hot' each day in the billing perrod Thragives um 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 Cotegory We add Cash Advance Fees lathe applicable Cash Advance Transaction Category We add all other Fees to (he standard Purchase Transaction Category Balance Sub(oct to Interest Rale, Your statement shows a Balance Sublect to Interest Rate It shows this for each transaction category The Balance Sublect to Interest Rate is the average of the daily baloncos 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 rs open We will send you a refund of any remaining balance of $1 00 or more otter 6 months, or as otherwise required by applicable law For TDD (Telecommunications Device for the Deaf) assistance, please call 1.800.347.744P. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes The Discovertocard is issued by Discover Bank, Member FDIC nsrorou 1 30272958 QUeStiOnS? Visit www.Dlscover,com or call I -800-DISCOVER (1-1300-347.2683. DISCOVER DISC VER New Balanee Mrnrmum Payment Due, $7,980,39 5167.00 Payment Due Date January 7, 2013 AVA 1 SHAFFER 105 ARNOLD RD ENOLA PA 17025-2102 Address, e -moil or telephonedange2 Go lo www.Discover.com or print change in space above Account Number ending in 4249 Enter Amount Enclosed Below $i Thank you for your DirectPay automatic payment Your next automatic ayment of $ 167 00 will be on 01/07/13 See Transactions section for additional details PO BOX 71084 CHARLOTTE NC 28272.1084 000001986618065818689079803900000000016700 Opening Date: November 13, 2012 - Closing Date: D Discover More Card Account Summary Account number ending in 4249 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Wares! Charged New Balance $8,001 45 173 00 + 0 00 + 0 00 + 0 00 + 0 00 + 151 94 $7,980 39 See Interest Charge Calculation section following transaction for detailed APR information Credit lune Crede Line Available Cosh Advance Credit Line Cash Advance Credit Line Available $9,10000 $0 00 $2,300 00 $000 You may be able to avoid Interest Charges, see Additional Important Information for details Cashback Bonuse Opening Cashback Bonin Balance New Cashback Bonus This Period Anniversary Month September $ 0 00 + 0 00 Cashback Bonus Balance $ 0.00 ro Gwrn more Ian mai W W W.DIrcaver.tom 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call 1.800•DISCOVER 11.800.347.2983 Please have your Diswverrt+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 $7,980 39 Minimum Payment Due $167 00 Payment Due Date January 7, 2013 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 lo $35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 20 24% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay mote in interest and it will take you longer to pay off your balance For example Ify'ou make no adddional charges using this card and each month you pay You will pay off the balance shown on this statement ap. alsovt And you vriI f rid - up paying nn eslrmafed total of , Only the minimum payment 49 years $49,488 $309 3years $11,119 ;Savings = $38,369 ) 1 you would like information about credit counseling services, call 1-800-347-1121 Manage Your Actount Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bilb online and easily track all transactions Make your money worth moresm --find easy ways to earn and redeem cash rewards NEWT Access your account securely through your mobile phone Transactions Trans. Pod Date Date Payments and Credits Dec 7 Dec 7 PHONE PAYMENT • THANK YOU $ -173 00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 It e29518 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS $ 0 00 151 94 000 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadable, password protected statements • See your statement as soon as it's available rather than wail for it to arrive in your mailbox. • Gel helpful payment reminders ihraugh e•moll or text messages on your mobile phone • Print a paper copy of your statement anytime • Sign up today at Discaver.com/paperless 2:2010 OdtilVtI Bank !.!ember FD't PAPER a7I0 Transactions (cont.) Trans. Pori Date Date Interest Charged 2012 Totals Year -to -Date 30272958 TOTAL INTEREST FOR THIS PERIOD $ 151.94 TOTAL FEES CHARGED IN 2012 TOTAL INTEREST CHARGED IN 2012 $ 0 00 1,864 46 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800.347-2683). DISCOVER DISC VER tt peys to DISC VER AVA1SHAFFER Account number ending in 4249 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR1 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 15 24% V $0 $0 Cash Advances 22 99% $8,040 31 $151 94 Y = Variable Rate Information For You Your next automatic minimum payment of $ 167 00 will be on 01/07/13 Any payments made prior to this date will be applied towards your minimum payment due Any credits applied io your Account for the billing cycle reflected on this statement may lower your minimum payment due and thus the scheduled DrrectPay amount Additional Important information See your Cardnsomber Agreement. Your Cardmember Agreement contains all the terms of your Account Lost or stolon cards. Report rmmediatelyl CaI 1.800.3472683, What to Do If You Think You Find A Mistake On Your Statement IF you think there is an error on your statement, write io us at Discover, PO Box 30421, Salt Lake City, UT 84130-0421 In your leiter, give us the following information Account information Your name and account number t2otar amount The dollar amount of the suspected error Descr,afron of Problem If you think phare 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 an your statement You mull notify us of any potenliol errors in writing You may call us, but 4 you do we are not required to investigate any potential errors and you may have to pay the amount in question While we investigate whether or not there has been an error, the following are true We cannot try to collect the amount in question, or report you as delinquent on that amount The charge in question may remain on your statement, and we may continue to charge you interest on that amount But, if we determine that we made o mistake, you will not have to pay the amount in question or any interest or other Fees related to that amount While you do not hove to pay the amount in question, you are responsible for the remainder of your balance We can apply any unpaid amount against your credit limit Your Rights If You Are Dissatisfied With Your Credit Card Purchases if you are dissatisfied with the goods or services that you have purchased with your credit cord, and you have tried in good Fath 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 fallowing must be true 1 The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50 (Note Neither of these are necessary if your purchase was based on an advertisement we moiled to you , or if we own the company that sold you the goods or services ) 2 You must have used your credit card for the purchase Purchases made with 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 critena above are met and you are still dissatisfied with the purchase, contact us in writing co 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 yaw Account balance at any time However, you must pay al least the Minimum Payment Due by the Poyment Due Date Send only your payment and the sop portion of this statement in the envelope provided Do not send cask By sending your check an 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 bander, the transfer will bo 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 buck from your financial institution The processing of you payment may be delayed If you send cosh, correspondence or other items with your payment, if you send the poyment to any other address or if you use an envelope other than the one provided Payments received in proper form at our processing facility by SPM local time on any day will be credited to your Account an of that day Payments received at our processing facility after SPM loco) time will be credited to your Account as of the next day If you have misplaced your envelope, send your payment lo Discover, PO Bax 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 n as an eledronrc debt 30272958 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay our monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the to one or you can setup automatic payments through a customer service representative by calling 1-800.347-2683 Automatic payments will be deducted an 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 an a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthlypayments bytelephone, you will need this statement and your bank account information You will be asked to provide thlast 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 I -t 347.2683 or by marl at Discover, PO Box 30421, Salt lake City, .UT 84130.0421, however we must receive notice at leastthree business days in advance of the scheduled payment if your payments may vary m amount, we wil tell you on each montlyl, billing statement when your payment will be made and how much it will be You must ensure that sulfic.tent funds are available m your bank account, and all transactions must comply with U S law You can set automatic payments For ( t) statement New Balance, fit) statement Minimum Payment Due, (in) statement Minimum Payment Due.plus o fixed dollar amount, or (iv) a fixed dollar amount If your scheduled fixed payment r not enough to <over the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will Be increased to cover the Minimum Payment Due If rhe scheduled payment *erecter 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 FII -m the following blanks below and retain the authon zation for you 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 narmolly 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 o transaction, fee or Interest charge from the day we add it to the doily balance We continue to impose snterest charges unid you pay the total amount you owe us You can ovoid paying interest on Purchases as described below However, you cannot ovoid paying interest on Balance Transfer or Cash Advances How to Avoid Paying Interest on Purchases ("Grace Period") If you pard the NewBalance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases or any portion of a new Purchase, paid by this Payment Due Date on your current billing statement New Purchases aro Purchases that first appear on the current billing statement How We Apply Payments May Impact Your Grace Period If you do riot 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 • Deify 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 you previous billing period We add any interest charges accrued on the previous day's dally 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 Transoclion Category by its daily periodic rate We do this For each day in the billing period This gives us the interest charges far 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 Trans ler Transaction Category We add Cash Advance Fees to the applicable Cash Advance Transaction Category We add oil other fees to the donde' d Purchase Transaction Category Balance Subject to Interest Rate, Your statement shows a Balance Sublect to Interest Rate It shows thin 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 $ l 00 or more after 6 months, or as otherwise required by oppbcdble law For TDD (Telecommunications Device for the Deaf) assistance, please 0311 1-800-347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes The Drscoverescard rs issued by Discover Bank, Member FDIC RaNreou 30272958 Questions? Visit www,Dlscnver.com or cull 1 -800 -DISCOVER (l -800.347-2683). DISCOVER DISC VER ACCOUNT SUMMARY t Previous Balance Payments and Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance 57,980.39 5167,00 $0.00 $0.00 $0.00 $0.00 j $156.68 57,970.07 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 59,100 $0 52,300 $0 You may be able to avoid interest on Purchases. I See reverse for details. Contact Us Discover.com 1.800-347-2683 Thank you for your DiredPay automatic payment. Your next automatic payment of $172.00 will be ori February 7, 2013, See "Information For You" section for additional details. Discover More Card Account number ending in 4249 Open Date: Dec 13, 2012- Close Date: Jan 12, 2013 Cardmember Since 2003 PAYMENT INFORMATION New Balance Minimum Payment Due Payment Due Date Page 1 of 4 $7,970.07 $172.00 February 7, 2013 Late Payment Warning: If we do not receive your minimum payment by the dote listed above, you may hove to pay o late fee of up to 535.00 and your purchase and balance transfer APRs for new transadions may be increased up to the Penalty APR of 20.24% 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: ytv roktikie+T o oiMitiPotholvtg tat g doter Mond iodus ti Only the minimum_paymenl $308 3r�uw i1i yall'& .4keii ±ou411eti41 tra%ne€ I sim-t +hit pwyltto at esi;m+ tato *hood as©fit rs S1 r 49 years $49,368 3years $11,105 —' (Savings 538,263) If you would like Information about credit counseling services, call 1-800.347-1121. REWARDS j Cashback Bonus® Opening Balance New Cashback Bonus This Period Redeemed This Period Cashback Bonus Balance To learn mere, tog in at Discover.com Make Check payable to Discover Please fold on the perforation below, detach and return with your payment $ +$ -$ J Anniversary Month September 0.00 1 0.00 -- -- 0:00 $ 0.00 1 .! NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Foymett Coup r k Ptoy.Ontine Sum de, aotfdKcilp ayAfota( Exlteauekta tt PayblyPhoneE 1-$1003442483 ',I'll w111.'11,11 IIIlllli111,1111111111 111I1i11i1i11 AVAISHAFFER 105 ARNOLD RD ENOIA PA 17025-2102 11111' 302 9588 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 I • !Minimum Payment Due I New Balance Payment Due Date 42491 $172.00 $7,970.07 February 7, 2013 I Amount enclosed 1$ PO BOX 71084 CHARLOTTE NC 282 72-1 084 11 11111111,I11111111i1111'Iii1111111111iilll 1111,1,1 11111111j1111 000001986618065818689079700700036300017200 t1 AYA 1 SHAFFER Account number ending,.,in 4249„ Important Information See your Cardmember Agreement. Your Cordmember Agreement contains all the terms of your Account. Last or stolen cards, Report immediately) Call 1-800-347-2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your.statement, write to us at: Discover, PO Box 30421, Sall Lake City, UT 84130-0421. You must write to us within 60 days after the error appeared on your statement. You may call us, but if you do we ore not required io investigate any potential errors, and you may have io pay the amount in question. The Billing Rights Notice further explains your rights. A copy of this notice is available of www.Discover,com, Payments. You may pay all or pari of your Account balance at any time. However, you must pay at least the Minimum Payment Due by the Payment Due Date. Send only your payment and the bottom portion of this statement in the envelope provided. Do not send cosh. If you pay by check, you authorize us to use information on your check 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 a poymeni 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 poyment, 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 al 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 io your Account as of the next day. If you have misplaced your envelope, send your payment to Discover PO Box 6103, Carol Stream, IL 60197.6103. Please allow 7.10 days for delivery. if your Payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. You con pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you con setup automatic payments through a customer service representative by calling 1-800.347-2683. Automatic payments for the billing period shown on your statement will be deducted on the Payment Due Date shown on that statement, or the next automatic payment date referred to on your statement, unless you request a recurring payment date (e.g., the 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 holidoy. 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 bunk account. Yov also authorize us to initiate debit or credit entries io your bank account, as applicable, to correct on error in the processing of such payment. You can cancel a scheduled payment by phone of 1-800-347-2683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 84130-0421; however, we must receive notice at least three business days in advance of The scheduled payment. If your payments may vary in amount, we will fell you on each monthly billing statement when your payment will be made and how much it will be. CHANGE OF ADDRESS Open Date_ Dec 13, 2012 • Close Daie: Jan 12, 2013 Page 2 of 4 You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. law. You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) Other dollar amount. If your scheduled 'Other dollar amount" payment is not enough to cover the Minimum Payment Due as listed on your monthly billing stotement, your scheduled payment for that month will be increased to cover the Minimum Payment Due, lithe scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. If your scheduled poyment is greater than ihe New Balance on your billing statement, that payment will be processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the billing statement based on credits or payments after the Close Date. If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records. Amount: 0 Full Pay 0 Min Pay 0 Min Pay+ S 1] Other Amount$ ; Bank Routing #: Bank Account # Monthly on the [1 Payment Due Date ❑ Close Dote f f 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 dale is at least 25 days after the dose of each billing period (at least 23 days for billing periodsthai begin in February). We will not chore 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 stotement shows a Balance Subject to Interest Rale. It shows this for each transection 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 51.00 or more after 6 months, or as otherwise required by applicable law, or upon request made to the address in ihe 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 Discovers card is issued by Discover Bonk, Member FDIC, TL23N If correct on from, do not use. Please print clearly in blue or black ink, In the space provided, Street Address City r Home Phone 1 _, Wnrk Phone 38 ft 58 Email To make changes to your address, email or telephone number, visit Discover.com Continued on next page DISC VER CONTACT US rWeb ._.__..___...._..—--..._._. _...Mobile Access your 0Monage your account securely account anytime, ai Discover.com anywhere at m.Discover.com Transactions Payments and Credits Fees Discover More Card Account number ending in 4249 Open Date: Dec 13, 2012 - Close Dote: Jan 12, 2013 Page 3 of 4 Phone Inquiry 1 -800 -DISCOVER Discover (1-800.347-2683) PO Box 30943 TDD 1-800-347-7449 Soli Lake City UT 84130 Trans. Date Post Date Jan 7 Jan 7 PHONE PAYMENT -THANK YOU TOTAL FEES FOR THIS PERIOD Mail Payments Discover PO Box 6103 Carol Stream IL 60197.6103 5 -167.00 �___...._...__.._._..__ 0.00 Interest Charged INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD 5 0.00 156.68 0.00 156.68 2013 Totals Year -to -Date TOTAL FEES CHARGED IN 2013 5 TOTAL INTEREST CHARGED IN 2013 $ Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 31 days 0.00 156.68 ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchases 15.24% V $0.00 50.00 Cash Advances 22.99% $8,023.88 5156.68 V=Variable Rote Information For You Your next automatic minimum payment of $172.00 will be on February 7, 2013. Any payments mode prior to this date will be applied towards your minimum payment due. Any credits applied to your Account for the billing cycle reflected on this statement may lower your minimum payment due and thus the scheduled DiredPay amount. 30272958 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION AVA 1 SHAFFER 30272958 Aczounl numberending,in 4249 Open Dale: Dec,_11. 2012 µClose Date: Ian 12, 2013„ Pale 4 of 4 DISC VER ACCOUNT SUMMARY Previous Balance Payments and Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $7,970.07 3172.00 1 + $0:00 + $0.00 + $0.00 + 30.00 + 3156.46 $7,954.53 See Interest Charge Calculation section following the _Transactions section for., detailed APR_ information_____.__,__ Credit Line 39,100 Credit Line Available Cosh Advance Credit Line Cash Advance Credit Line Available You may be able io avoid interest on Purchases. See reverse for details. 30 32,300 30 f Contact Us Discover.com 1.800-347.2683 Thank you for your Dirac -Way automatic payment. Your next automatic payment of 3172,00 will be on March 7, 2013. See 'Information For You" section for additional details. I Make Check payable to Discover Please fold on the perforation below, detach and return with year payment Discover More Card Account number ending in 4249 Open Date: Jan 13, 2013- Close Date: Feb 12, 2013 Cardmember Since 2003 Page 1 of 4 PAYMENT INFORMATION New Balance Minimum Payment Due Payment Due Date $7,954.53 1 3172.00 March 7, 2013 Late Payment Warning: if we do not receive your minimum payment by the date listed above, you moy have to pay a late fee of up io $35.00 and your purchase and balance transfer APRs for new transactions moy be increased up to the Penalty APR of 20.24% 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: iimps. sttlg Aster, 3tttachluobth ad4Si' pnYr,N. _ _ Only the minimum payment $308 Y#htiv.�Ipay lk 4ki.14, iou' tlkt4ritFt ekitieeetoMtrt$f±ix flct ilttttkesttaiaittifat 4 years $411,064 i 3years I 311,064 1 I (Savings= 537,980) If you would like information about credit counseling services, call 1-800-347-1121:_ J1 REWARDS Cashback Bonus® Opening Balance New Cashbook Bonus This Period Redeemed This Period Cashback Bonus Balance To learn more, log in at Discover.com Anniversary Month September 3 0,00 + 3 0.00 — $ 0,00 $ 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Payment Coupon Pay Milne *um d t nt itt[dr.:cllfx arsto00, pfs>ad-i*er mitt Pad Mope 1 4144347 G 83 111111111111i111111il-illlinil 4141141 llll�ill i�iiilil Anil AVA'SHAFFER 105 ARNOLD RD ENOLA PA 17025-2102 30271215a 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 4249) j Minimum Payment Due $172.00 j New Balance 37,954.53 1 Pa ment'Due Date March 7, 2013 ! ! Amount enclosed$ PO BOX 71084 CHARLOTTE NC 28272-1084 111,111111.1111d1111111111[1 111111 I1ily'Hifi 1111I1f111i 000001986618065818689079545300036300017200 fl 11 AVA 1 SHAFFER Account number ending_in 4249 ©pen Dote: Jan 13 2013• Close Date_ Feb 12, 2013 Page. 2of4 Important Information See your Cordmember Agreement, Your Cardrnember 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 Loke City, UT 84130-0421. You must write to us within 60 days after the error appeared on your statement. You moy call us, but if you do we are not required to investigote 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 htips://discover.com/billingrights. Payments. You may pay all or part of your Account balance at any time. However, you must pay al 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 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 an electronic fund Ironsfer, the transfer will be far the amount of the check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account 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 poyment, if you send the poyment to any other address or if you use an envelope other than the one provided. Payments received in proper form al our processing facility by 5PM local time on any day will be credited to your Account os of that day, Payments received of our processing facility after 5PM local time will be credited to your Account os of the next cloy, If you hove misplaced your envelope, send your poyment to Discover, PO Box 6103, Carol Stream, 1L 60197'6103. Please allow 7.10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as 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 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 Dote shown on that statement, or the next automatic poyment date referred to on your statement, unless you request a recurring payment date (e,g,, the 159' 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 sodol security number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you outhorize, in the amount selected by you, from your bank account. You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment. You con cancel a scheduled payment by phone et 1-800-347-2683 or by mail at Discover, PO Box 30421, Soh Lake City, UT 84130.0421; however, we must receive notice at least three buslness days in advance of i(,e scheduled payment. tf your payments may vary in amount, we will tell you on each monthly billing statement when your payrnent will be made and how much it will be. CHANGE OF ADDRESS You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. law. You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) Other dollar amount. If your scheduled °Other dollar omount" 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, !hot 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 outomotic payment service, pleose fill-in the following blanks below and retain the authorization for your records. Amount: El Full Pay ❑Min Poy ❑Min Pay+ S ❑ Other Amount$ ; Bonk Routing #: Bonk Account # Monthly on the LI Payment Due Dole n Close Date J 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 date each month. We will begin charging interest on Cosh Advances and Balance Transfers as of the later of the Transaction Dale or the first day of the billing period in which the transaction posted to your Account. How We Calculate Interest Charges. We Use the Daily Balance Method (including current transactions) to calculate the Balance Subject to Interest Rote. For more information, please call us at 1-800-347-2663. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balonce 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 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 made io the address In the Contact Us section on page 3 of your billing statement. Discover moy monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes, The Discoverse cord is issued by Discover Bonk, Member FDIC. TL23N If correct on front, do not use. Please print clearly in blue or block ink, in the spore provided. 1 Street Address j Home Phone City 3�11�58 Work Phone To make changes to your address, email or telephone number, visit Discover.com Continued on next page DISC VER CONTACT Us ice...... ._..___..._. _._... Web 0 Mobile Access your Manage your account securely account anytime, at Discover.com anywhere al Transactions Phone 1 -800 -DISCOVER (1-800-347-2683) TDD 1-800-347-7449 Trans. Date Post Date Payments and Credits Feb 7 Feb 7 PHONE PAYMENT - THANK YOU Fees TOTAL FEES FOR THIS PERIOD Discover More Card Account number ending in 4249 Open Dote: Jan 13, 2013 - Close Date: Feb 12, 2013 Page 3 of 4 Inquiry Discover PO Box 30943 Mail Payments Discover PO Box 6103 Sail Lake City Carol Stream UT 84130 IL 60197.6103 i 3 -172.00 0.00 Interest Charged INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD 5 0.00 156.46 0.00 156.46 2013 Totals Year -to -Date TOTAL FEES CHARGED IN 2013 TOTAL INTEREST CHARGED IN 2013 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rale on your account. Current Billing Period: 31 days 5 S 0.00 313.14 ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchases 15.24% V 50.00 50.00 Cash Advances 22.99% 58,012.49 5156.46 V=Voriable Rate Information For You Your next automatic minimum payment of $ 172.00 will be on March 7, 2013. Any payments made prior lo this dote will be applied towards your minimum payment due. Any credits applied to your Account for the billing cycle reflected on this statement may lower your minimum payment due and thus the scheduled DirectFay amount. 30272958 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION AVAI SHAFFERAccount number endinEin 4249.__Open Dote: Jun 13, 2013 - Close Dates Feb 12, 2013 toe 4 of 4 30272968 DISC VER ACCOUNT SUMMARY i Previous Balance $7,954.53 Payments and Credits — $172.00 Purchases + $0.00 Balance Transfers + $0.00 Cash Advances + $0.00 Fees Charged + $0.00 Interest Charged + 5140.84 New Balance 57,923.37 See Interest Charge Calculation section following the Transactions sedion for _.._._.._._____._._...______....._. detailed APR information_,.__.,_„___,___, Credit Line $9,100 Credit Line Available $0 Cash Advance Credit Line 52,300 Cosh Advance Credit Line Available $0 You may be able lo avoid interest on Purchases. See reverse for details. Contact Us Discover.com 1.800.347.2683 See "Information For You” section for important information regarding Your Billing Rights. Thank you for your DiredPay automatic payment. Your next automatic payment of $156.00 will be on April 7, 2013. See 'Information For You' section for additional details. Discover More Card Account number ending in 4249 Open Date: Feb 13, 2013- Close Dote: Mar 12, 2013 Cardmember Since 2003 PAYMENT INFORMATION New Balance Minimum Payment Due Payment Due Date Poge 1 of 4 $7,923.37 $156.00 April 7, 2013 Late Payment Warning; If we do not receive your minimum payment by the dote listed above, you may have to pay a late fee of up to $35.00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 20.24% 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 balonce. For example: iarouararidirittaAprg i fil ,f( srotMtithvtcl io lz Ystuiilt rbri`i WettittiAlltat* 44ydAv rtittdtip. __... I y.41ttesitmtt tlafgt Only the minimum payment ; 48 years 1 $48,882 3 years I $11,040 I (Savings= 537,842) , $307 i i I IfY ou would like information about credit counseling services, call 1.800.347-1121.I " REWARDS Cashback Bonus® Make Check payable to Discover Please fold on the perforation below, detach and return with your payment Opening Balance New Cashback Bonus This Period Redeemed This Period Cashback Bonus Balance To learn more, log in at Discover.com Anniversary Month l September 5 0,00 +5 0.00 — 0,00 $ 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION I ayment: oupon rkiiisodiz »l Midi tilptsr &fog*, Pay Oniln Pay By Sopa } f3flcoa toss ""'IIIIi'1111'I"IIIII�,IH�I;II,I,Ili�l�'I'1"�'llil'li'I�1" AVA 1 SHAFFER 105 ARNOLD RD ENOLA PA 17025-2102 30272658 Internet payments must be received by 5PM ET io be credited as of the same day Address, e-mail or telephone changed? Note changes on reverse side a i Account number ending in 4249 .,, I Minimum Payment Due $156.00 i 1 New Balance 57,923.37 1 Payment Due Date April 7, 2013 1 Amount enclosed $ j PO BOX 71084 CHARLOTTE NC 28272-1084 liiiln111111111phillid,III' 11I1 111 11,111'11H jill'II DDDDu1986618d65818689D79233?DDD363DDD15600 AVA I SHAFFER Impar lant Information S�e your Cordmember Agreement. Your Cordmember Agreement contains a the terms ot your Account. Account number ending in 4249 ©pen Date: Feb 13, 2013 - Close Dote. Mar 12c 2013 Pate 2 of 4 You must ensure the' sufficient funds are (available in your bank account, and all transactions must comply with U.S. law. Lost or stolen cords, Report immediaielyl 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 muss write to us within 60 days after the error appeared on your statement. You may call vs, 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 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 Dale. 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 outhorize us to use information on your check lo make an electronic fund transfer from your account at the financial institution indlcoted on your check or to process the payment as a 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 back from your financial institution. The processing of your payment may be delayed if you send cash, correspondence or other items with your poyment, if you send the payment to any other address or if you vse an envelope other than the one provided. Payments received in proper form al our processing facility by 5PM local Erne an any day will be credited to your Account as of that day. Payments received at our processing facility after 5PM local time wilt 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 Scream, IL 60197.6103. Please allow 7.10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit, Payments made online or by phone will be credited as of the day of receipt if made by 5 PM Eastern time. You can.pay your monthly Minimum Payment Due, or a greeter (amount that does not exceed your current Account bolance, 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 Pcrymeni Due Date shown on that stotement, or the next automatic payment dote referred to on your statement, unless you request a recurring payment date (e.g., the 151" 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 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 IQ allow vs and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account, You also authorize us to initiate debit or credit entries to your bank account, as opplicable, to correct an error in the processing of such payment. You con cancel a scheduled payment by phone at 1.800-347.2683 or by moil al 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 You con set auiomotic payments for: (1) statement New Balance, (ii) slolement Minimum Payment Due, f 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 lo 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 Baionce on your billing statement, that payment will be processed only far 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 Dote. If you enroll by phone in our automatic payment service, please fill-in the following blonks below and retain the authorization for your retards. Amount: QFull Pay DMIn Pay JMln Pay+ S Other Amount$ ; Bank Routing #: Bank Account # Monthly on the 7 Pori -sent Due Dote n Close Date `I Day of month (insert date) Credit Reporting. We may report information about your Account to credit bureaus. Lute payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the stotus and poyment 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 eoch 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 eoch month. We will begin charging interest on Cash Advances and Balance Transfers as of the Toter of the Transaction Dole or the first day of the billing period in which She 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 Rale. for more information, please coil us of 1-800-347-2683. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rale. It shows this for each transaction category. The Balance Subject to Interest Role 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 ofter 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 qualify 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 Home Phone City 3 °t 58 Work Phone Email To make changes to your address, email or telephone number, visit Discover.com Continued an next page DISC VER CONTACT US Web Access your account securely at Discover.com Transactions Mobile Manage your account anytime, anywhere at m,Discover.com Phone 1-800- DISCOVER (1-800-347-2683) TDD 1-800-347-7449 Trans. Date Post Date Payments and Credits Mar 7 Mar 7 PHONE PAYMENT - THANK YOU Fees TOTAL FEES FOR THIS PERIOD Discover More Card Account number ending in 4249 Open Date: Feb 13, 2013 - Close Dote: Mar 12, 2013 Page 3 of 4 Inquiry Moil Payments j Discover Discover PO Box 30943 PO Box 6103 Salt Lake City Carol Stream UT 84130 IL 60197.6103 5 -172.00 5 0.00 Interest Charged INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD 5 0.00 140.84 0.00 140.84 2013 Totals Year -to -Date TOTAL FEES CHARGED IN 2013 TOTAL INTEREST CHARGED IN 2013 Interest Charge Calculation Your Annual Percentage Rale (APR) is the annual interest rate on your account. Current Billing Period: 28 days 5 0.00 453.98 ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO TYPE OF BALANCE (APR} INTEREST RATE INTEREST CHARGE Purchases 15.24% V $0.00 50.00 Cash Advances 22.99% $7,985.63 5140.84 V=Variobte Rate Information For You Your Billing Rights: Keep1his 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,Sali Lake City, UT 84130-0421. In your letter, give us the following information: • Account information: Your name and account number. • Donor amount: The dollar amount of the suspected error. pescrpfion ofproblem: 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 inwriiing. You may Call us, but if you do we are not required to investigate any potential errors and you may have lo pay the amount in question. What Will Hopgen.Afler We�ReceJy„e,_Your_L@tier When we receive your letter, we must do two things: 1. Within 30 days of receiving your letter, we must id you that we received your leiter. We will also tell you if we have already corrected the error, 2. Within 90 days of receiving your leiter, 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, • Thu charge in question may remain an your statement, and we may continue to charge you interest an that amount. • While you do not have to pay the amount in question, you are responsible for the remainder of your balance. f• ntWee canapplyany unpaid amount against your credit limit. 3Yt}h�r�fMM§ 1i sh our investigation, one of Iwo things will happen: • If we mnde.q 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 AYA I SHAFFER Account number ending in 4249 Open Date. Feb 13,2013- Close Date: Mar 12, 2013 PaOe...4 of 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 day_s felling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you ore questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must lei those organizations know when the matter has been settled between us. If we da 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 corred. Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you hove purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not lo pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been mode in your home state or within 100 miles of your current moiling address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us int 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. Al that point, if we think you owe an amount and you do not pay, we may report you as delinquent. Your next automatic minimum payment of $156.00 will be on April 7, 2013. Any payments made prior to this dote will be applied towards your minimum payment due. Any credits applied to your Account for the billing cycle reflected on this statement moy lower your minimum payment due and thus the scheduled DirectPay amount. 30272958 DISC VERµ ACCOUNT SUMMARY Previous Balance $7,923.37 Payments and Credits $156.00 Purchases + $0.00 Balance Transfers + $0.00 Cash Advances + $0.00 Fees Charged + $0.00 Interest Charged + $155.60 New Balance $7,922.97 See Interest Charge Calculation section following the Transactions section for detailed APR information Credit Line Credit Line Available Cosh Advance Credit Line Cash Advance Credit Line Available You may be able to avoid interest on Purchases. { See reverse for details. Contact Us Discover.com $9,100 $0 $2,300 so 1-800-347-2683 J Thank you for your continued enrollment in DirectPay automatic payments. Your next automatic payment of 3171.00 will be on May 7, 2013. See "Information for You" section for additional details. Make Check payable to Discover Fl ease fold on the perforation below, detach and return with your payment Discover More Card Account number ending in 4249 Open Date: Mar 13, 2013- Close Date: Apr 12, 2013 Cardmember Since 2003 PAYMENT INFORMATION New Balance Minimum Payment Due Payment Dve Date Page 1 of 4 $7,922.97 - $171.00 May 7, 2013 Late Payment Warning: If we do not receive your minimum payment by the dote listed above, you may have to pay a late fee of up to $35.00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 20.24% 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: Ifyyaar ilen4fidillem ehro i4 o$1r 9 thttord1 ant h tt on% YClu P. 1 .. _ .. ' ewIlipay'11m6 htxxlasro : 3esvp Qui* tilCtt 411!1ttb 06oulp; 4 rfp9rtwl titilp7 . peOntf.m.e4itneleiti41131 xsf u Only the minimum payment 48 years $48,823 $307 _. --.--.--.-.-.--..._..__.___....(Savings*. 3 years $11,040 $37,783) f you would like information about credit counseling services, call 1-800-347.1121. J REWARDS Cashback Bonus® Opening Balance New Cashback Bonus This Period Redeemed This Period Cashback Bonus Balance To learn more, log in of Discover.com $ + $ 0.00 —$ 0.00 $ 0.00 Anniversary Month 1 September 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION .antOmp t* ititcattfoorsMiti,dpor.: % Pay Ohllne 1 Intl ver, rs Pay Phone 1t0(3:.> so 111,11 n 1 11111,111,11,,1,11,;I1n11i11111r11111,1ii1,I1i1111114 AVA !SHAFFER 105 ARNOLD RD ENOLA PA 17025-2102 302728i Internet payments must be received by 5 PM ET to he credited os of the same day Address, e-mail or telephone changed? Note changes on reverse side IAccount number ending in_ _ 4249' I Minimum Payment Due $171.001 t I New Balance $7,922.971 1 Payment Due Date May 7, 2013 Amount enclosed 1$ I 1 l PO BOX 71084 CHARLOTTE NC 28272-1084 111 1 11111111111111111111,111,11,11111,1,1,11111 000001986618065818689079229700036300017100 1, 1111111 ,1111 AVA t SHAFFERAccount number efdimin 4249 ImportantInformation C See your rdmemberAgreement. Your Cardmember Agreement contains all ilio farms o your Account. Lost or stolen cards. Report immediately! Call 1.800-347-2683. What To Po 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 doys after the error appeared on your statement. You may call us, but if you do we are not required lo 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 Cordmernber Agreement or visit haps://discover.com/billingrighlsfor a copy of this notice. Payments. You may pay all or part of your Account balance at any time. However, you rust pay at least the Minimum Payment Due by the Payment Du late. Send only our _payment and the bottom portion qt this statement int a envelope proyi ed. o not send cosh. If you pay by check, you out raze us to use i rmatio o your check to make on electronic fund transfer trom your account al the financial institution indicated on your theGk or to process the payment ps a check irpnsoli n. It a payment is processed as an electronic fund transfer the transter wi(I be for the amount of the check. When we use inform lion from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon ashe sqme day we receive your payment, and you will not receive your check back from your financial institution. The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment 10 any other address or if you use on envelope other than the one provided. Payments receh'ed 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 Tocol time will be credited to your Account as of the next day. if you have misplaced your envelope, send your payment to Discover PO Box 6103, Carol Stream, IL 60197.6103.PIeose 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 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 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 15h day of the month) that occurs before your Payment Due Dote or Close Dote. If your scheduled payment date falls on weekend or bank holiday, your payment will be processed the business day prior 10 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 outhorize us to initiate debit or credit entries to your bank account, as opplicable, 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 al Discover, PO Box 30421, Salt Lake City, UT 84130-0421; however, we must receive notice at least three business days in odvonce of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be. CHANGE OF ADDRESS Open Date: 13t 2013_Close Date: Apr 12, 2013 _.__......_._,_Page 2 of 4 You must ensure that sufficient funds are available in your bank account, and ail tronsoctions must comply with U.S. low. 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) Other dollar amount. If your scheduled "Other dollar amount' payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be opplied in accordance with your Card member Agreement. If your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the billing statement based on credits or payments after the Close Dole. If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records. Amount: ❑Full Pay _Min Pay ❑Mtn Pay+ $ j_I Other Amounts i Bank Routing #: Bank Account # Monthly on the 0 Payment Due Dote f' Close Date i. l Day of month (insert date) Credit Reporting. We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We nonnally 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 Cosh Advances and Balance Transfers as of the toter of the Transaction Date or the first day of the billing period in which the transaction posted to your Account. How We Calculate Interest Chorges. We Use the Dolly Balance Method ncluding current transactions) to calculate the Balance Subject 10 Interest Rate. For more information, please call us of 1.800-347-2683. Balance Subject to Interest Rote. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction cotegory. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of $1.00 or more after 6 months, or as otherwise required by applicable low, 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 Discovers 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 38 'R58 Home Phone Work Phone Email To make changes to your address, email or telephone number, visit Discover.cort Continued on next page DISC VER CONTACT US Web Access your account securely al Discover.com Transactions Payments and Credits Mobile Manage your account anytime, anywhere at m.Discover.com Phone 1 -800 -DISCOVER (1.800-347-2683) TDD 1.800-347-7449 Discover More Card Account number ending in 4249 Open Dote: Mar 13, 2013 - Close Date: Apr 12, 2013 Page 3 of 4 Inquiry Moil Payments i Discover Discover PO Box 30443 PO Box 6103 I Solt Lake City Carol Stream UT 84130 IL 60197-6103 i Trans. Date Post Date Apr 7 Apr 7 PHONE PAYMENT - THANK YOU $ -156.00 Fees TOTAL FEES FOR THIS PERIOD S 0.00 Interest Charged 2013 Totals Year -to -Date INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD TOTAL FEES CHARGED IN 2013 TOTAL INTEREST CHARGED IN 2013 Interest Charge Calculation Your Annual Percentage Rate (APR} is the annual interest rate on your account. Current Billing Period: 31 days $ 0.00 155.60 0.00 155.60 0.00 $ 609.58 ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchases 15.24% V $0.00 50.00 Cash Advances 22.99% $7,968,45 $155,60 V=Variable Rate Information For You For more information about how interest charges are calculated see your Cardmember Agreement or go to www.discover.com/inierestcharges Your next automatic minimum payment of S171.00 will be on May 7, 2013. Any payments made prior to this dole will be applied towards your minimum payment due. Any credits applied lo your Account for the billing cycle reflected on this statement may lower your minimum payment due and thus the scheduled DirectPay amount. 30272958 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION AVA I SHAFFER Account number ending in 4244 Open Date_ Mar 13, 7013 - Close Dale: Apr 12, 2013 Page 4 of 30272958 DISC VER" ACCOUNT SUMMARY Previous Balance Payments and Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $ 7,922.97 $171.00 $0.00 $0.00 $0.00 $ 0.00 $150.45 $7,902.42 See Interest Charge Calculation section following the Transactions section for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line dash Advance Credit Line Avoiloble You may be able to avoid interest on Purchases. See reverse for details. l4-ContactU..-_.____.._..__._._.._...---.--_--_....__...._.__.._ s Discover.com $9,100 50 52,300 SO 1-800-347-2683 i Thank you for your continued enrollment in DiredPay automatic payments. Your next automatic payment of 6166.00 will be on June 7, 2013. See "Information For You" section for additional details. Make Check payable to 0rscover Please fold on the perforation below, detach and return with your payment Discover More Card Account number ending in 4249 Open Dote: Apr 13, 2013- Close Date: May 12, 2013 Cordmember Since 2003 Page 1 of 4 PAYMENT INFORMATION New Balance Minimum Payment Due Payment Due Date $7,902.42 $166.00 June 7, 2013 Late Payment Warning: If we do not receive your minimum payment by the dote listed above, you may have to pay a late fee of up to $35.00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 20.24% variable, Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: lE+�aa lyx:gA�ttddlcs `Ytat1 NvT7i.pea alt.$. +stns thCs ?:ref nm ,aac)r mat h . buktme�ttt +n mitt d yt utviSll trtl up boonviiretokAtioicif Only the minimum payment 48 years $48,647 $306 3 years $11,011 (savings= $37,636) f you would like information about credit counseling services, call 1-800.347.1121. REWARDS Cashback Bonus® Opening Balance New Cashback Bonus This Period Redeemed This Period Cashback Bonus Balance To learn more, log in at Discover.com 5 +5 _$ Anniversary Month 1 September r 0.00 0,00 0.00 0.00 l NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION hymeit Coupost day CnUne Plaiigo4lOnt eteof. flxpf € s , isttt til!VIII'Int!i1IIlI;I�i!IIILIrrI'��'I'IIII I:II,r:ilu'IIsI?I AVA I SHAFFER 105 ARNOLD RD ENOLA PA 17025-2102 P hyPbone 1-8001411 30272958i 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 4249' ...Minimum Payment Due $166.00 I New Balance 57,902.421 1 Payment Due Date June 7, 2013 I !S 11 (Amount enclosed ) P0130X 71084 CHARLOTTE NC 28272-1084 IL�I�IIIII�IIrIIIIili,lrIII''!�!�IIIIIIn:il:iltllll�Il:lll�ill 000001986618065818689079024200021650016600 AVA I SHAFFER Account number endirg in 4249, Important Information See your Cardmember Agreement. Your Cord member Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately! Coll 1-800-347-2683. What T913q 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 Loke City, UT 84130-0421. You must write to us within 60 days after the error appeared on your stotement. You moy call us, but if you do we are not required to investigate any potentiol errors and you may 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 may pay all or pari of your Account balance at anytime. However, you rust pay a1 least the Minimum Poymenl Due by 'Ile Payment Due Dote. Send only, our payment orlp thn bottom portion o1 1his statement in the envelope proyi ed. Do not send cash. if you pay by checkkk, you authemze us to use in ormolio ortyour check to make n electronic fund transfer fromyour account at the tinanaal institution indicated on your check or to process hhe payment ps a check Irpnsoctrpn. If opoyment isprocessed as ankelelronic fund,lrppnster, the transfer will b tor the amount oe transfer, funds may information from frromyyour account as soon as tie sansic eund day we receive, your poyment, and you will not receive your check back from yourfinanoal institution. The processing of your payment may be deloyed 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 focility by 5PM local lime on ony day will be credited to your Account as of Ihat day. Payments received at our processing fadlily after 5PM local lime will be credited to your Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Cord Stream, IL 60197.6103. Pleose allow 7.10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as on electronic debit. Payments mode online or by phone will be credited as of the day of receipt if made by 5 PM Eastern time. You con pay your monthly Minimum Payment Due, or a greoter amount that does not exceed your current Account bolance, 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 an the Payment Due Dote shown on *hut siolement, or the next automatic payment dote referred to on your statement, unless you request a recurring payment date (e.g., the 15" day of the month) that occurs before your Payment Due Dole or Close Dote. If your scheduled payment dote falls on a weekend or bankholiday, 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 primory borrower, By providing those numbers as your electronic signature, you will be agreeing to ibis authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your hank account. You also authorize us to initiote 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 poyment by phone al 1-800-347-2683 or by moil at Discover, PO Box 30421, Salt Loke City, UT 84130-0421; however, we must receive notice at least three business days in 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. Oopen Dote_ Apr 13, 2013 • Close Dote: May_12, 2013 Pam 2 of 4 You must ensure that sufficient funds ore available in yovr bank account, and all tronsadions must comply with U.S. low, You con set aufomotic payments for: (1) statement New Balance, (ii) statement Minimum Payment Due, (Ili) statement Minimum Payment Due plus a fixed dollar amount, or (iv) Other dollar amount, If your scheduled 'Other dollar amount' poyment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increosed to cover the Minimum Poyment Due. If the scheduled payment is greater than the Minimum Payment Due, ony excess will be applied in accordance with your Cordmember Agreement, It 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 Balance. Your automatic payment amount may be less than the amount indicated on the billing statement bosed on credits or payments offer the Close Dote. If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records. Amount: LJ Full Pay L Min Poy D Min Pay+ $ D Other AmountS ; Bank Routing #: Bank Account # Monthly on the 00 Payment Due Date ] Close Date �] Day of month (insert date) Credit Reporting. We may report information about your Account 10 credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month, if you believe thot our report is inaccurate or incomplete, please write us at the following address: Discover, PO Box 15316, Wilmington, DE 19850.5316. Please include your none, 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 os of the later of the Transaction Date or the first day of the billing period In which the transoction posted to your Account. How We Calculate Interest Charges. We Use the Daily Bola nce Method (including current transactions) to calculate the Bolonce Subject to Interest Role. For more information, please call us of 1-800-347-2683. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction cotegory. The Balance Subject to Inferest 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 stotement. A credit bolonce 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 os otherwise required by opplicoble law, or upon roquest made to the address in the Contod Us section on page 3 of your billing statement. Discover may monitor and/or record telephone calls between you and Discover representotives for quality ossurance purposes_ The Discovers cord is issued by Discover Bonk, Member FDIC, TL23N CHANGE OF ADDRESS 1 If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Street Address City 3 ei§58 Home Phone Email Phone To make changes to your address, email or telephone number, visit Discover.com Continued on nest page DISC VER CONTACT US Web Mobile Access your 0 Manage your account securely account onytime, at Discover.com anywhere al m.Discover.com Transactions Payments and Credits Phone 1 -800 -DISCOVER (1-800-347-2683) TDD 1-800-347-7449 Trans. Date Post Date May 7 May 7 PHONE PAYMENT - THANK YOU Discover More Card Account number ending in 4249 Open Dote: Apr 13, 2013 - Close Date: May 12, 2013 Page 3 of 4 Inquiry Moil Payments Discover Discover PO Box 30943 PO Box 6103 Salt Lake City Carol Stream UT 84130 IL 60197.6103 $ -171.00 Fees TOTAL FEES FOR THIS PERIOD 0.00 Interest Charged 2013 Totals Year -to -Date INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD TOTAL FEES CHARGED IN 2013 TOTAL INTEREST CHARGED IN 2013 Interest Charge Calculation Your Annual Percentage Rote (APR) is the annual interest rate on your account. Current Billing Period: 30 days 5 $ 5 0.00 150.45 0.00 150.45 0.00 760.03 ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchases 15.24% V 50.00 50.00 Cash Advances 22.99% $7,961.51 5150.45 V=Variable Rote Information For You For more information about how interest charges are calculated see your Cardmember Agreement or go to www.discover.com/interestcharges Your next automatic minimum payment of 5166.00 will be on June 7, 2013. Any payments made prior to this date will be applied towards your minimum payment due. Any credits applied io your Account for the billing cycle reflected on this statement may lower your minimum payment due and thus the scheduled DiredPay amount. 30272958 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION AVA I SHAFFER Account number ending in 4249 Open Dote__Asr 13, 2013 -Close Date_ Moy 1 zap 30272958 _ Pale 4 of 4 DISC VER ACCOUNT SUMMARY Previous Balance $7,902.42 Payments and Credits - $0.00 Purchases + $0.00 Balance Transfers + $0.00 Cash Advances + $0.00 Fees Charged + S25-00 Interest Charged + $155.78 New Balance $8,083.20 See Interest Charge Calculation section following the Transactions section for detailed APR information Credit Line Credit Line Available Cosh Advance Credit Line Cash Advance Credit Line Available You may be able to avoid interest on Purchases. See reverse for details. ............ Contact !Js Discover.com L. 1-800-347-2683 $9,100 SO $2,300 $0 Make Check payable to Discover Please fold an the perforation below, detach and return wdh your payment Discover More Card Account number ending in 4249 Open Date: May 13, 2013- Close Date: Jun 12, 2013 Cardmember Since 2003 Page 1 of 4 PAYMENT INFORMATION New Balance $8,083.20 Minimum Payment Due' $337.00 Payment Due Doie July 7, 2013 ' Includes past due amount of: $166.00 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 lo the Penalty APR of 20,24% 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: 1 yol itithi btxoll t1 arit t t ina 11116 4rdfr twilit:Avian/ PITPIY...... _.._ .. .... ; Y4ttlWI1y4(FE: ' o n IA 4itile )-00, about,. ... 'yw Nott v rrtyift nintt rgf,:to at, .. . Only the minimum payment 4Byeers $48,821 1 f you would like information about credit counseling services, call 1.800-347-1121. REWARDS Cashback Elonuse Opening Balance New Cashback Bonus This Period Redeemed This Period Cashback Bonus Balance To learn more, log in at Discover.com Anniversary Month September 0.00 +$ 0.00 -$ 0.00 $ 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Paymefill:Caup tn. Pay Oat* Ago* e 40.1go ialdi,:c p or ;'ogle ttta aver III11'1111111'11111111111M1111; AVA I SHAFFER 105 ARNOLD RD ENOLA PA 17025-2102 1;11111111111 ayby:ebotie •f 0:347 fis 3027126511 Internet payments must be received by 5PM ET to be credited as of the same day Address, e-mail or telephone changed? Nate changes an reverse side 000001986618065818689080832000130000033700 t Account number ending in 1 Minimum Payment Due 1 1 New Balance 1 Payment Due Date Amount enclosed $ 4249 1 $337.00 $8,083,201 1 July 7, 2013 1 PO BOX 71084 CHARLOTTE NC 28272-1084 :1i11111'I0111111I'11111'1'li:hilll`illil"I'11'li'll 11 AYA I SHAFFER Account number ending_in4249 important Information See your Cardmember Agreement. Your Cardmember Agreement contains ell the terms of your Account. Lost or stolen cards. Report immediately) Call 1-800-347-2683. What To De 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, Sa11 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 ncrl 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 Cardmember Agreement or visit haps://discover.com/billingrighls for a copy of this notice. Payments. You may pay all or part Off your A4count balance of any time. However, you must pay at least the Minimum Payment Due by the Payment Du Date. Send only, our payment and the bottom portion t this statement in i e envelope royigyed. Up not send cash. If you po b check, yoy roe us to use intormatio1 on your check to make en nyelectronic fundd transfer from Your account at the financial institution indicated on your check or to process f pain nt as a duck trpnsa, n. It a payment is p ssed a an process 4nsferr, thatransfer w� b for the amount ofthe check. When we use inform Iron.trom your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the sarrle day vLoe receive your payment, and you will not receive your check back from your 6nonaol institution. The processing of your payment may be delayed if you send cash, currespondence or other items with your payment, if you send the payment to any other addressor if you use an envelope other than the one provided. Payments received in proper form at our processing. facility by 5PM local time on any day will be credited to your Account as of shot day. Payments received at our processing fadlity after 5PM local time will be credited to your Account as of the next day. If you hove misplaced your envelope, send your payment 10 Discover, PO Box 6103, Corot Stream, IL 60197.6103.Please allow 7.10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as on eledronic 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 con setup automatic payments through a customer service representative by calling 1-800-347-2683. Automatic payments for the billing period shown on your statement will be deducted on the Payment Due Date shown on that siatement, or the next automatic payment dale referred to on your statement, unless you request a recurring payment date (e.g., the 15" day of the month) that occurs before your Payment Due Dote or Close Dote. If your scheduled payment date falls on a weekend or bank holidoy, your payment will be processed the business cloy 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 soda! security number of the primary borrower. By providing Mose numbers as your electronic signoture, you will be agreeing to this authorization lo allow us and your bank 10 deduct each payment you authorize, in the amount selected by you, from your bank occount. You olso authorize us to initiate debit or credit entries to your bank occount, 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 *e scheduled payment. If your payments may vary in amount, we will Zell you on each monthly billing statement when your payment will be made and how much it will be. CHANGE OF ADDRESS Open Date_May 1312013- Close Dole: Jun 12,2013 Page 2 of 4 You must ensure that sufficient funds are available in your bank account, and all Iransadions must comply with U.S. low. 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) 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 Balonce on your billing statement, that payment w111 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 blonks below and retoin the authorization for your records. Amount: D Full Poy L Min Pay n Min Pay+ $ !J Other AmauntS ; Bank Routing #: Bonk Account # Monthly an then Payment Due Date I. !Clare Dote 0 Doy 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 ogendes 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 Cosh Advances and Balance Tronsfers as of the later of the Transaction Date or the fi ret 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 of 1-800-347-2683, Bolance Subject to Interest Rate. Your statement shows a Balonce Subject to Interest Rate. It shows this for eoch 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 51.00 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 representotives for quality assurance purposes. The Discover® cord is issued by Discover Bonk, Member FDIC, TL23N If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Street Address crty 381k1A38.._._..._.._..._.._ _ ........ f i To make changes to your address, email or telephone number, visit Discover.corn Home Phone Work Phone Email Continued on next page DISC VER CONTACT US Web Mobile Access your Manage your account securely account anytime, at Discover.com anywhere al ,.___,___ m.Discover.com Transactions Trans. Date Post Dole Phone 1 -800 -DISCOVER (1-800-347-2683) TDO 1-800-347-7449 Discover More Card Account number ending in 4249 Open Date: May 13, 2013 - Close Date: Jun 12, 2013 Page 3 of 4 Inquiry Mail Payments �l Discover Discover PO Box 3D943 PO Box 6103 Salt Lake City Carol Stream UT 84130 1L 60197-6103 ) Fees Jun 7 Jun 7 LATE FEE TOTAL FEES FOR THIS PERIOD S 25,00 25.00 interest Charged INTEREST CHARGE ON PURCHASES $ 0.00 INTEREST CHARGE ON CASH ADVANCES 155.78 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 155.78 2013 Totals Year -to -Date TOTAL FEES CHARGED IN 2013 TOTAL INTEREST CHARGED IN 2013 Interest Charge Calculation Your Annual Percentage Rale (APR) is the annual interest rate on your account. Current Billing Period: 31 days $ 25.00 5 915.81 ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO TYPE QF BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchases 15.24% V $0.00 50.00 Cash Advances 22.99% $7,977,54 $155.78 V=Variable Rale Information For You For more information about how interest charges are calculated see your Cardmember Agreement or go to www.discover.comfinterestcharges 30272958 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION I i 1 1 AVA I SHAFFER Account number ending in 4244 Open Date: May 13, 2013 - Close Date: Jun 12, 2013 Page 4 of 4 30272958 DISC VER ACCOUNT SUMMARY !Previous Balance $8,083.20 Payments and Credits - $0.00 Purchases + $0.00 Balance Transfers + $0.00 Cash Advances + $0.00 Fees Charged + $35.00 Interest Charged + $154.00 New Balance $8,272.20 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. $9,100 SO $2,300 SO 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 4249 Open Date: Jun 13, 2013- Close Date: Jul 12, 2013 Cardmember Since 2003 Page 1 of 4 PAYMENT INFORMATION New Balance Minimum Payment Due' Payment Due Date . Incudes past due amount of: $8,272.20 ) 8506.00 August 7, 2013 8337.00 Late Payment Warning: 'Ewe 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 20.24% 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 io pay off your balance_ For example: liyoo.molimikktiorislirl6tnet ssIctotett ordgrid: 1114 tti 64011ll frordi Aryterri ttrti cOouh., tytsit�vt��tidv�. i14 Drc1AUr4tided3eiti Only the minimum payment 48 years $49,296 If you would like information about credit counseling services, call 1-800-347-1121, \......._....__..._._._..._..._...____...__..._........._............_......._....____._..__.__...__......._.._..__._._.._...._....._._._. J REWARDS Cashback Bonus® Opening Balance New Cashback Bonus This Period Redeemed This Period Cashback Bonus Balance To learn more, log in at Discover.com S +$ -s Anniversary Month September 1 0.00 1 0.00 j 0.00 0.00 I NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION s ori' ntCoupon, ,k ldjrtlrtiitie Nom do JO kidllclflx r r stile Ul pverttirtt Pay *Phone 1$00 `;26 3 of It1''l11111I1I1lr1Ir11,I1rIIr1111 111i11 111G1I1IE11i111 1 11 AM I SHAFFER 105 ARNOLD RD ENOLA PA 17025-2102 30272858i Internet payments must be received by 5 PM ET to be credited es of the same day Address, e-mail or telephone changed? Note changes on reverse side Account number ending in 4249 IMinimum Payment Due New Balance 1 !Payment Due Date 5506.00 1 $8,272.201 August 7, 2013 tAmount enclosed j $1 PO BOX 71 084 CHARLOTTE NC 28272-1084 '11111111111,11,111111111'1 l'11,11111'1111111011111111 11111.1 000001986618065818689082722000130000050600 AVA I SHAFFER _ _ Account number endin„p, in 4249 ppenDote: Jun 13, 2013_ Close Date: Jul 12,2013 Page2 of 4 Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediotelyl Coll 1-800.347-2683. It To If You Think You Find A Mistake On Your Statement It you f ink there is an error on your statement, write to us at: Discover, PO Box 30421, Soh 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 nal 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/hillingrighls for a copy of this notice. Payments. You may pay all or port of your count balance at any Time, However, you dust pay al least the Minimum Poymerd Due by the Payment Dui Dale. Send onlyfour payment and the bsettom portion pt this statement int tie envelope proyrged. Dp not send cash, It you pay by check ov authhgnz us o use in ormation o your check lo make en ele�lronic fund transter tram your account at the financial insjitutpn indicated on your check or to process the paement as a check trpnsoolien. It a payment is precessed as an electronic fund tr, nsferr the trans* wil be for the amount of the check, When we use Information From your check to moke an electronic fund transter, funds may be withdrawn from yeur account as soon as this sqme day we receive your payment, and you will not receive your check back from your financial institution. The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other oddress or if you use an envelope other than the one provided, Payments received in proper form al our processing facility by 5PM local time on ony day will be credited to your Account os 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 hove misploced your envelope, send your payment lo Discover, PO Box 6103, Carol Stream, IL 60197.6103. Please allow 7.10 doysfor delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an eledronic debit. Payments mode online or by phone will be credited 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 siotemenl 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 Doe Dote or Close Dale. If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the 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 io allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bonk account. You also authorize us to Initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment. You con cancel o scheduled payment by phone�al 1-800.347-2683 or by mall at Discover, PO Box 30421, Sali Ldce City, UT 84130.0421; however, we must receive notice al least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be mode and how much it will be. CHANGE OF ADDRESS You must ensure that sufficient funds are available in your bank account, and all transadions must comply with U.S. low, You can set automatic payments for: ii) statement New Balance, (ii) statement Minimum Poymeni Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) Other dollar omount. If your scheduled "Other dollar amount' payment is not enovgh to cover the Minimum Payment Due os listed on your monthly billing statement, your scheduled poymentfor 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 Bal once 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 bosed 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: 0Full Pay )]Min Pay LJMin Pay+ $ L i Other Amounts ; Bonk Routing #: Bank Account # Monthly on the 0 Payment Due Dale [i Close Date 0 Day of month (insert dote) Credit Reporting. We may report information about your Account lo credit bureaus. Late payments, missed payments, or other defaults on your Account may be refleded in your credit report. We normally report the status and payment history of your Account io credit reporting ogencies each month. If you believe Choi 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 poy your entire balance by the due date each month. We will begin charging interest on Cosh Advances and Balance Transfers as of the later of the Transaction Dote or the first day of the billing period in which the transection posted to your Account. How We Calculate Interest Charges. We Use the Dally Balance Method (including current tronsadions)to calculate the Balance Subjed to Interest Rate. For more information, please call us al 1-800-347.2683, Balance Subject to Interest Rale- Your statement shows o Balance Subject la Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the doily balances during the billing period. Credit Balances. If your Account hos a credit balance, the amount is shown on the front of your billing statement. A credit 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 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 en 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 3ifti§58 I Home Phone ork Phone Email To make changes lo your address, email or telephone number, visit Discover.corn Continued on next pope DISC VER CONTACT US Web Mobile Access your 0 Manage your account securely account anytime, at Discover.com anywhere al m. Discover.com Transactions Trans. Date Post Date Phone 1 -800 -DISCOVER (1.600-347-26831 TDD 1-800-347-7449 Discover More Card Account number ending in 4249 Open Date: Jun 13, 2013 - Close Date: Jul 12, 2013 Page 3of4 Inquiry Discover PO Box 30943 Salt Lake City UT 84130 Mail Payments Discover PO Box 6103 Carol Stream IL 60197-6103 i Fees Interest Charged Jul 7 Jul 7 LATE FEE TOTAL FEES FOR THIS PERIOD INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD 3 5 35.00 35.00 0.32 153.68 0.00 154.00 2013 Totals Year -to -Date TOTAL FEES CHARGED IN 2013 TOTAL INTEREST CHARGED IN 2013 Interest Charge Calculation Your Annual Percentage Rale (APR) is the annual interest rate on your account. Current Billing Period: 30 days $ 60.00 $ 1,069.81 ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchases 15.24% V 525.15 50,32 Cash Advances 22.99% $8,132.23 5153.68 V=Variable Rate Information For You For more information about how interest charges are calculated see your Cardmember Agreement or go lo www.discover.com/interestchar©es 30272958 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION AVA I SHAFFERAccouninumber endirig in 4249 Ogen Dole, Jun 13, 2013_ Close Date_ Jul 12,.2013 Page 4 of 4 30272958 DISC VER" ACCOUNT SUMMARY (Previous Balance $8,272.20 Payments and Credits $0.00 Purchases + $0.00 Balance Transfers + $0.00 Cosh Advances + $0.00 Fees Charged + $35.00 Interest Charged + $162.66 New Balance $8,469.86 See Interest Charge Calculation section following the Transactions section for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available You may be able to avoid interest on Purchases. See reverse for details. Contact Us Discover.com 1-800-347-2683 $9,100 $0 $2,300 SO Make Check payable to Discover Please fold on the perforation below, detach and return with your payment Discover More Card Account number ending in 4249 Open Date: Jul 13, 2013- Close Dote: Aug 12, 2013 Cardmember Since 2003 • Page i of 4 PAYMENT INFORMATION New Balance Minimum Payment Due' Payment Due Date * Includes past due amount of: $8,469.86 1 $684.00 September 7, 2013 $506.00 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 lo the Penalty APR of 20.24% variable. Minimum. Payment Warning: If you make only the minimum payment each period, you will pay more in interest and i1 will take you longer to pay off your balance. For example: lfyoatticikatfQb4do 4tolges oleo** cortivottswth flgU tltte slicts�ct qty tE{l� #51opmftaiaaul:. ,�ildyogw7li�sntllt{� __ }bpri or e5titsuittdfolo Aa. Only the minimum payment 48 years $49,722 If you would like information about credit counseling REWARDS Cashback Bonus® Opening Balance New Cashback Bonus This Period Redeemed This Period Cashback Bonus Balance �To learn more, log in a1 Discover.com services, call 1-800-347-1121.) Anniversary Month -"1 September I 0.00 0.00 1 0.00 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION • PfTymti tCoupoo la 4 zf rallyVia=. Pixy 0110114 tIst7bys1!' " iP by Phone ... 347'24 IIIiIIIIIIIII!IIIA"liI'll'Illll�'II'�'�'!jll�i'iIIlllililEt AVA 1 SHAFFER 105 ARNOLD RD ENOLA PA 17025-2102 3027129581 Internet payments must be received by 5PM ET to be credited as of the some day Address, e-mail or telephone changed? Note changes an reverse side Account number ending in IMinimum Payment Due 4249 $684.00 New Balance $8,469.86 Payment Due Date Amount enclosed September 7, 2013 is PO BOX 71084 CHARLOTTE NC 28272-1084 IlE 11n11111t ln11111 111111111111 111111ll!II'1'i`Ilillll:lll 000001986618065818689084698600130000068400 AVA 15Hi1FFER.., __...Account number ending in 4249_, Important Information See your CardmemberAgreement. Your Cord member Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately) Coll 1-800.347-2683. What To De 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, 5011 Lake City, UT 84130-0421. You must write to us within 60 days offer the error appeared on your statement. You may call us, but if you do we are not required lo investigate any potential errors and you may have Io pay the amount in question, The Billing Rights Notice further explains your rights. Please see your Cardmember Agreement or visit https://dlscover.com/billingrighis for a 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 Payment Due b the Payment Du Date. Send only, ourpayment and the bottom portion this statement in tIle envelope pro sc ed. )o not send cosh. If you pay by 4 k, yo authgnze us to use informaiior� oriyour check fo make on eledronic lung trendier from your account at the ti nuncio instituti9p indicated on your check or to process Ifie payment as a deck transaction, It a prrymenl is pI cessed os an electronic fund trrppnsfer, the transfer wilt be for the amount of the (deck. when we use (rdormotion from your check to make an electronic fund transfer, funds may be wiiihdrown from yqur account as soon as the same day we receive your payment, and you will not receive your check bock from your finanool institution. The processing of your payment may be delayed if you send cosh, correspondence or other items with your payment, if yvu 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 lime on ony day will be credited to your Account os of That day. Payments received at our processing facility after 5PM local time will be credited lo your Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197.6103. Please allow 7.10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit It os an electronic debit. Payments made online or by phone will be credited as of the day of receipt if made by 5 PM Eastern lime. You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you con setup automatic payments through a customer service representative by calling 1-800-347-2683. Automatic payments for the billing period shown on your statement will be deducted on the Payment Due Date shown on that statement, or the next automatic payment date referred to on your statement, unless you request a recurring payment date (e.g., the 15°' day of the month) that occurs before your Payment Due Dote or Close Dole, If your scheduled payment date foils 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 arid 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 inifiote debit or credit entries to your bank account, as applicable, to correct an error in the processing of such poymeni. You can cancel a scheduledo ment 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 OpenDole: luli32013 Close Doe: Aug,12c2013 Page 2al4 You must ensure that sufficient funds are available in your bank account, and all transactions muss comply with U.S. law, You con set automotic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Poyment 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 increosed to cover the Minimum Payment Due. If the scheduled payment is greater thou 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 poymeni will be processed only for the amount of your New Botance. Your automate 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: 0 Full Poy 0 Min Pay 0 Min Pay+ S ; ° Other AmouniS ; Bank Routing #: Bonk Account # Monthly on the [1 Payment Due Dale l..i Close Date Day of month (insert date) Credit Reporting. We may report information about your Account to credit bureaus. Late payments, missed payments, or other defauhs on your Account may be reflected in your credit report. We normally report the status and payment history of your Account 10 credit reporting ogencies each month. If you believe that our report is inaccurate or incomplete, please write us at the Following address: Discover, PO Box 15316, Wilmington, DE 19850-5316. Please include your name, address, home telephone number and Account number. Paying Interest. Your due dote is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will not chorge you any interest on Purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction 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) io calculate the Balance Subject to Interest Role. For more information, please call us at 1-800-347-2683. Balance Subject to Interest Rate. Your statement shows a Bolance Subject to Interest Rate. It shows this for eoch transaction category. The Balance Subjed to Interest Rote is the average of the dally 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 our Account is open, We will send you a refund of any remaining balance of 51.00 or more offer 6 months, or as otherwise required by applicoble low, or upon request made to the address in the Canted 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 Discoverer card is issued by Discover Bonk, Member FDIC. TL23N If correct on front, do not use. Please print clearly in blue or block ink, in the space provided. Street Address: Htxna Phone City L 3a*' i§58 k Phone Email To make changes to your address, email or telephone number, visit Discover.com Continued on next page DISC VER` CONTACT us_.-...._.._.._ __... Web Mobile Access your 0 Manage your account securely account onytirne, at Discover.com anywhere al m.Discover.com Transactions Trans. Date Post Date Phone 1 -800 -DISCOVER (1.800-347-2683) TDD 1-800-347-7449 Discover More Card Account number ending in 4249 Open Dole: Jul 13, 2013 - Close Date: Aug 12, 2013 Page 3 of 4 Ingo' ry Discover PO Box 30943 Sall Lake City Mail Payments Discover PO BOK 6103 Carol Stream UT 84130 IL 60197-6103 Fees Interest Charged Aug 7 Aug 7 LATE FEE TOTAL FEES FOR THIS PERIOD INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD $ 35.00 35.00 0.78 161.88 0.00 162.66 2013 Totals Year -to -Date TOTAL FEES CHARGED IN 2013 TOTAL INTEREST CHARGED IN 2013 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rote on your account. Current Billing Period: 31 days 95.00 5 1,232.47 ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchases 15.24% V $60.70 50.78 Cash Advances 22.99% $8,289.94 $161.88 V=Variable Rote Information For You For more information about how interest charges are calculated see your Cardmember Agreement or go to www.discover.com/interestcharges 30272958 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION AVA 1 SHAFFER .,_Account number endingin 4249 Oo_en Dote; Jul 13,2013 -Close Dais. Aup_12, 2013 Page 4of 4 30272958 DISC VER ACCOUNT SUMMARY `Previous Balance $8,469.86 Payments and Credits — $0.00 Purchases + $0.00 Balance Transfers + $0.00 Cash Advances + $0.00 Fees Charged + 535.00 Interest Charged + $166.32 New Balance 58,671.18 See Interest Charge Calculation section following the Transactions section for detailed APR information Credit Line Credit Line Available Cosh Advance Credit Line Cash Advance Credit Line Available You may be able to avoid interest on Purchases. See reverse for details. Contact Us Discover.com 1-800-347-2683 $9,100 50 $2,300 50 Make Check payable to Discover Please fold on the perforation below, detach and return with your payment Discover More Card Account number ending in 4249 Open Dote: Aug 13, 2013- Close Date: Sep 12, 2013 Cardmember Since 2003 Page 1 of 4 PAYMENT INFORMATION New Balance Minimum Payment Due Payment Due Date Includes post due amount of: $8,671.18 1 $866.00 October 7, 2013 $684.00 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 20.24% 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: 1Fy� ttirtl n-gti1 olovoiicottia q mat* Atid:m* *rift +131: 1htscord so . Igi.ohmoit klpce Amite' te'� *ft }xi iota tx o.41)m xlett17: o1. yi1 led of:41: 4tiOU1: w o � 49 years $50,093 1 Only the minimum payment f you would like information about credit counseling services, call 1-800-347-1121. REWARDS Cashback Bonus® Opening Balance Anniversary Month September 5 0.00 New Cashbad< Bonus This Period + $ 0.00 Redeemed This Period — $ 0.00 Cashback Bonus Balance $ 0.00 1 1 l To learn more, log in at Discover.com • NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION gag4, 1.:0144.1ff.araferp1e f 1100 AIsm ayy Aone 1-800.3414661. 1,1111 III II,1,111111I!1,11111iiiiiilhillilll AVA I SHAFFER 105 ARNOLD RD ENOLA PA 17025-2102 302729581 Internet payments must be received by 5PM Er to be credited as of the same day Address, e-mail or telephone changed? Note changes on reverse side Account number ending in 4249 t Minimum Payment Due$866.00 i New Balance $8,671.18 1 I Payment Due Date October 7, 20131 I Amount enclosed IS 111 „l PO BOX 71084 CHARLOTTE NC 28272-1084 11111, it'I�Illlul,11II„I1I!,1,111:11f1 I,l,l; lllii 11°'ll�'I'I 000001986618065818689086711800160410086600 AVA I SHAFFER Account number ending in 4249 Important Information See your CardmernberAgreement. Your Cordmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately) Call 1-800-347.2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at: Discover, PO Box 30421, Sall Lake City, UT 84130-0421. You must write Io 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 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 part of your Account bolan at any time. However, you must pay at least the Marti urt1 Payment Due he Payment Flu Date. Send only, r payment and thg bottom portioncs 1 is statement in the envelope prow e . Do not send cash. If you pay by 4hiec , yo ouingqnze us to use informotior on your check to make n ele rorec fund transfer trom your account at the financial instilutien indicated on your check or 10 process payment as a check tro�annsacti n. If o payment is processed a on eledro icefund,trp nsfer the transfer wilt bq for the omouni ot the check. When we use inform fon from your check to make an electronic fund transfer, funds may be withdrawn from yoyr 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 on envelope other than the one provided, Payments received in proper form al our processing facility by SPM local lime on any day will be credited to your Account os of Ihot day. Payments received at our processing fadlity after 5PM local time will be credited to your Account as of the nett day. If you hove misplaced your envelope, send your payment to Discover, PO Box 6103, Coral 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 eledronic debit. Payments mode online or by phone will be credited as of the day of receipt if made by 5 PM Eastern time. You con pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1-800-347-2683. Automatic payments for the billing period shown on your statement will be deducted on the Poyment Due Date shown on that statement, or the next automatic payment dote referred to on your statement, unless you request o recurring payment dote (e.g., the 15"' day of the month) that occurs before your Payment Due Dote or Close Dote. If your scheduled payment dote falls on o weekend or bank holiday, your payment will be processed the business day prior io 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 lass four (4) digits of the sold 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 opplicable, to correct an error in the processing of such payment. You can cancel o scheduled payment by phone al 1-800-347-2683 or by mail ot Discover, PO Box 30421, Sah Lake City, UT 84130.0421; however, we must receive notice at least three business days in advance of the scheduled poyment. If your payments 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. Open Date: Aug 1342013 • Close Doig: Sep 12, 2013. _..._.__...__Page2 of 4 You must ensure that sufficient funds are available in your bank account, and all tronsodions must comply with U.S. law. You con 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) 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 rvUnimum Payment Due, any excess will be applied in occordance with your Cardmember Agreement. If your scheduled payment is greater than the New Bolonce on your billing statement, that payment will be processed only for the amount of your New Balance. Your outometic payment amount may be less than the amount indicated on the billing statement based on credits or payments after the Close Dote. If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records. Amount: Full Poy 0Min Pay CMin Pay+ 5 1 Li Other ArnountS ; Bank Routing #: Bank Account # Monthly on the D Payment Due Date PI Close Date (� Day of month (Insert dole) Credit Reporting. We may report information about your Account to credit bureaus, late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies 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 dale is of least 25 Boys 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 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 Daily Balance Method (including current transactions) to calculate the Balance Subject to Interest Rate. For more information, please call us of 1-800-347-2683. Balance Subject to Interest Rote. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing stotement. A credit balance is money that is owed to you. You may moke charges against this amount if your Account is open. We will send you a refund of any remaining balance of 51.00 or more after 6 months, or as otherwise required by applicable 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 B card is issued by Discover Bank, Member FDIC, TL23N CHANGE OF ADDRESS If correct on front, do not use. Please print clearly In blue or block ink, in the space provided. Street Address City i 38Ytir' 58 Home Phone Work Phone Email To make changes to your address, email or telephone number, visit Discover.com Continued on next page PRAECIPE FOR LISTING CASE FOR ARGUMENT (Must be typewritten and submitted in triplicate) TO THE PROTHONOTARY OF CUMBERLAND COUNTY: Argument Court.) CAPTION OF CASE (entire caption must be stated in full) DISCOVER BANK AVA I SHAFFER 1. vs. C _ t (List the within matter_4oi- h ext r r i `f J CD .y- ro a --"‘. 7. '. No. 14-1622 CIVIL Term State matter to be argued (i.e., plaintiffs motion for new trial, defendant's demurrer to complaint, etc.): PLAINTIFF'S MOTION FOR SUMMARY JUDGMENT 2. Identify all counsel who will argue cases: (a) for plaintiffs: William T. Molczan, Esquire (Name and Address) 436 Seventh Avenue, Ste 2500, Pittsburgh, PA 15219 (b) for defendants: Pro -Se Defendant (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: September 26,2014 Date: S figi 1 1 Signature 'Illla�m T Molc2in Print your name Plaintiff, Discover Bank Attorney for 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. \O R No . 36212-°t 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. AVA I SHAFFER c'7 cv 3 ter: Z� N No. 14-1622 CIVIL Ter 1. State matter to be argued (i.e., plaintiffs motion for new trial, defendant's demurrer to complaint, etc.): PLAINTIFFS MOTION FOR SUMMARY JUDGMENT 2. Identify all counsel who will argue cases: (a) for plaintiffs: William T. Molczan, Esquire (Name and Address) 436 Seventh Avenue, Ste 2500, Pittsburgh, PA 15219 (b) for defendants: Pro -Se Defendant (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: September 26,2014 A Date: Signature ri1 av1(1T MoIClan Print your name Plaintiff, Discover Bank Attorney for INSTRUCTIONS: 1. Original and two copies of a II 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. 362 aryt} lel �d afk eLit nittfi31.3-- 215S PigF--3bct Egg • 1'5 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, Plaintiff, vs. AVA I SHAFFER, Defendant. Case No,: 14-1622 CIVIL TERM ORDER OF COURT AND NOW, to -wit, this -'day of 2014, upon Plaintiff's Motion for Summary Judgment, IT IS HEREBY ORDERED, ADJUDGED AND DECREED that said Motion is GRANTED and Judgment is entered in favor of Plaintiff for $9,286,24, and costs, 774.L, 6.1.44.21-41'fr--<z 4 4.e BY THE COURT WWR# 30272958 -c-- C,e) 171 3 CLO 14-1622 Civil Term Copies to: /William T. Molczan, Esq. 436 Seventh Avenue Suite 1400 Pittsburgh, PA 15219-1827 Attorney for Plaintiff Ava I. Shaffer 105 Arnold Road Enola, PA 17025 Defendant, pro Se pie s a `led g1, IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff vs. AVA I SHAFFER Defendant. Case No.: 14-1622 CIVIL TERM TYPE OF PLEADING PRAECIPE FOR JUDGMENT PER ORDER OF COURT FILED ON BEHALF OF: Plaintiff n COUNSEL OF RECORD OF r ; THIS PARTY: cn William T Molczan, Esquire ;{, PA I.D.#47437 c) Weltman, Weinberg & Reis Co., 2500 Koppers Bldg. 436 Seventh Avenue -< Pittsburgh, PA 15219 (412) 434-7955 WWR # 30272958 $9286.24 CD w4 — rr' i -71 DNA k \fie •Sb Pdck4k) ak_.‘0‘bqkict (124 31 3aq 3 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff vs. AVA I SHAFFER Defendant. Case No.: 14-1622 CIVIL TERM PRAECIPE FOR JUDGMENT PER ORDER OF COURT TO THE PROTHONOTARY: Kindly enter Judgment against the Defendant, AVA I SHAFFER, in the amount of $9286.24 computed as follows: Amount Awarded: $9286.24 Interest at the interest rate of 6% From the date of judgment TOTAL: $9286.24 Attached is a copy of the Court Order in favor of Plaintiff for Judgment. WELTMAN, WEINBERG & REIS, CO., L.P.A. By: William T Molczan, Esquire PA I.D.#47437 Wellman, Weinberg & Re's Co , L.P.A. 2500 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 Plaintiffs address is: do Wellman, Weinberg & Reis, Co., L.P.A., 2500 Koppers Building, 436 7th Avenue, Pittsburgh, PA 15219 And Defendant's address is: 105 ARNOLD ROAD, ENOLA, PA 17025 1 VERIFICATION The undersigned does hereby verify subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities, that the parties against whom Judgment is to be entered according to the Praecipe attached are not members of the Armed Forces of the United States or any other military or non-military service covered by the Soldiers and Sailors Civil Relief Act of 1940. The undersigned further states that the information is true and correct to the best of the undersigned's knowledge and belief and upon information received from others. WELTMAN, WEINBERG & REIS CO., L.P.A. By: William T Molczan, Esqu PA I.D.#47437 Weltman, Weinberg ' eis Co., L.P.A. 2500 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412)434-7955 WWR#30272958 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, vs. AVA I SHAFFER, Defendant. Case No,: 14-1622 CIVIL TERM ORDER OF COURT AND NOW, to -wit, thisaW2,day of 014, upon Plaintiffs Motion for Summary Judgment, IT IS HEREBY ORDERED, ADJUDGED AND DECREED that said Motion Is GRANTED and Judgment is entered in favor of Plaintiff for $9,286.24, and costs, 7ZLL,ColuaLitil4.6<1 7h4J- &/€41-44.74 ri;G( 6,fr,e7,1. ?CV- anAlt- BY THE COURT -‹ CD /CWRil 30272958 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff vs. AVA I SHAFFER Defendant. Case No.: 14-1622 CIVIL TERM NOTICE OF JUDGMENT OR ORDER TO: ( ) Plaintiff (xx) Defendants ( ) Garnishee You are hereby notified that the ollow'ng Order or Judgment was entered against you on )) �� tf (xx) Assumpsit Judgment in the amount of $9286.24, plus interest at 6% per annum, plus costs. Trespass Judgment in the amount of $ plus costs. If not satisfied within sixty (60) days, your motor vehicle operator's license and/or registration will be suspended by the Department of Transportation, Bureau of Traffic Safety, Harrisburg, PA. (xx) Entry of Judgment of (xx) Court Order ( ) Non -Pros ( ) Confession ( ) Default ( ) Verdict ( ") " "Arbitration Award (. .) By Consent 47-1)Prothonotary �. AVA I SHAFFER` i 105 ARNOLD ROAD 0 t ENOLA, PA 17025 .; By: r PROTHONOTARY (OR DEPUTY)