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Supreme Cou f'o, plasylvania f; y For Prothonotary Use Only. � Cour. `atCo�n o aPleas Docket No: C County l aveSeet ` r CUN��KRKLN / " A e:.:5 .The information collected on this form is used solely for court administration purposes. This form does not supplement or replace thefiling and set-vice of leadin s or other papers as required by law or rules of court. s Commencement of Action: ® Complaint ❑ Writ of Summons F1Petition E ❑ Transfer from Another Jurisdiction ❑ Declaration of Taking C Lead Plaintiff's Name: Lead Defendant's Name: T DISCOVER BANK LEONARD C.BEISH Dollar Amount Requested: within arbitration limits Are money damages requested? ®Yes ❑ No (dieckone) outside arbitration limits O N Is this a Class Action Suit? ❑Yes ® No Is this an MDJAppeal? ❑ Yes No A Name of Plaintiff/Appellant's Attorney: Zwicker&Associates P.C. O Check here if you have no attorney (are a Self-.Represented ['Pro Se] Litigant) Nature of the Case: Place an "X" to the left of the ONE case category that most accurately describes your PRIMARY CASE. If you are making more than one type of claim, check the one that you consider most important. TORT(do not include Mass Tort) CONTRACT(do not include Judgments) CIVIL APPEALS ❑ Intentional ❑ Buyer Plaintiff ❑ Administrative ❑ Malicious Prosecution ® Debt Collection:Credit Card ❑ Agencies ❑ Motor Vehicle ❑ Debt Collection:Other ❑ Board of Assessment ❑ Nuisance ❑ Board of Elections ❑ Premises Liability ❑ Dept.of Transportation ❑ Product Liability(does not include mass tort) F1 Employment Dispute:Discrimination El Statutory Appeal:.Other S ❑ Slander/Libel/Defamation ❑ Employment Dispute:Other ❑ Other. E ❑ Zoning Board C MASS TORT ❑ Other. ❑ Other. ❑ Asbestos T ❑ Tobacco ❑ Toxic Tort-DES ❑ Toxic Tort-Implant REAL PROPERTY MISCELLANEOUS ❑ Toxic Waste ❑ Ejectment ❑ Common Law/Statutory o ❑ Other- ❑ Eminent Domain/Condemnation Arbitration ❑ Ground Rent ❑ Declaratory Judgment N ❑ Landlord/Tenant Dispute ❑ Mandamus ❑ Mortgage Foreclosure:Residential ❑ Non-Domestic Relations PROFESSIONAL LIABLITY ❑ Mortgage Foreclosure:Commercial Restraining Order ❑ Dental ❑ Partition ❑ Quo Warranto B ❑ Legal ❑ Quiet Title ❑ Replevin ❑ Medical ❑ Other. ❑ Other. ❑ Other Professional: Updated 111/201. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DISCOVER BANK, Plaintiff Civil Action No. vs. LEONARD C. BEISH , Defendant(s) NOTICE TO DEFEND—CIVIL You have been sued in Court. If you wish to defend against the claim set forth in the following papers, you must take action within twenty (20) days after this complaint and notice are served by entering an appearance personally or by 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 any 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. U DO NOT YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT SEONCE. IF T FORTH BEOLOW THIS HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE OFFICE THAT MAY OFFER LEGAL EGAL E TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. CUMBERLAND COUNTY BAR ASSOCIATION 32 S. BEDFORD STREET CARLISLE,PA 17013 717-249-3166 LAWYER REFERRAL SERVICE: PENNSYLVANIA LAWYER REFERRAL SERVICE 800-692-7375 a qqq IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DISCOVER BANK, Plaintiff c/o DB Servicing Corporation 6500 New Albany Road New Albany, OH 43054 Civil Action No. vs. LEONARD C. BEISH , Defendant(s) LEONARD C. BEISH 1505 LOUISA LN MECHANICSBURG, PA 17050 COMPLAINT IN CIVIL ACTION 1. Plaintiff is a FDIC-insured Delaware State Bank. 2. One or more of the Defendant(s)reside in CUMBERLAND County,Pennsylvania. COUNT I—BREACH OF CONTRACT 3. At the request of Defendant(s),Plaintiff issued an account for credit services to Defendant(s)with an account number endin&in#3039 and Defendant(s)was provided with the terms and conditions applicable to the account. See record of the account terms and conditions attached hereto as Exhibit"A". 4. Defendant(s) accepted the terms and conditions of the account by using the credit account for various purchases, cash advances and/or financial transactions. Records of the account statement(s) for the credit account is/are attached hereto, marked Exhibit `B" and made a part hereof. 5. Defendant(s) breached the terms and conditions of the account by failing to pay the balance due and/or make the required monthly payment. 6. The balance due and owing to Plaintiff is$4,191.06. COUNT II—ACCOUNT STATED 7. The averments set forth in Paragraphs 1 to 6 above are incorporated by reference thereto as though herein set forth at length. 8. An account was duly stated between Plaintiff and Defendant(s). 9. Plaintiff sent periodic statements to Defendant(s). 10. The statements stated the balance and any debits and/or credits for period covered by the statement. 11. Defendant(s)made payments on the account or retained statements without payment. Page 1 of 3 12.. The balance due and owing to Plaintiff is$4,191.06. WHEREFORE, Plaintiff demands Judgment against Defendant(s) for the sum of $4,191.06 together with costs. ZWICKER&ASSOCIATES,P. C Attorneys for Plaintiff A Law Firm Engaged in Debt Collection DATE: Oar /y BY: J NATHAN CAWLE ,ESQ. A Bar Id No. 79884 500 OFFICE CENTER DRIVE FORT WASHINGTON,PA 19034 (877)297-1183 0 Page 2 of 3 1 ' VERIFICATION (Name) (Title) 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. Asan 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, f/k/a Greenwood Trust Company, an FDIC-insured Delaware State Bank extends credit through issuance of the Discover Card. As the servicing affiliate, DB Servicing Corporation, successor to DFS Services LLC, performs a variety of services for, or on behalf of Discover Bank including, business management services in support of Discover Bank business lines, including without limitations, credit cards, deposits, personal loans, student loans, Customer Service, Collections, and other support services. The accounts may be forwarded to attorneys who file suit on behalf of Discover Bank. Both DB Servicing Corporation and Discover,Bank are wholly owned subsidiaries of Discover Financial Services, an independent,publicly traded company. Date: _ . F /7--- , Name Defendant(s): LEONARD C. BEISH Account number: ending in 3039 Page 3 of 3 DISCOVER YOUR DISCOVER® ACCOUNT CARDMEMBER AGREEMENT................Pages 1-16 The terms and conditions of your Account, including how we calculate Interest Charges, our fees and an Arbitration of Disputes section.You have the right to reject the arbitration provision with respect to your newAccount within 30 days after receiving your Card, as explained in the "Right to Reject Arbitration" section at page 13. BILLING RIGHTS..........................Pages 14-16 Important information about your rights and our responsibilities under the Fair Credit Billing Ad. 0 DESCRIPTION OF COVERAGE...............Pages 16-24 The terms and conditions of the Scheduled Air Travel Accident Insurance and the Secondary Rental Car Collision Coverage that is provided at no charge to you when you use your Card to purchase airline tickets or rent an automobile. GLOBAL TRAVELER'S HOTLINE.................Pages 25 The terms and conditions of this free travel assistance benefit. 192011 Discover Bank,Member FDIC TI-23H.0211 11DCMO_02BOILTL23H0211_00083.indd 1-2 1/11/11 9:52 AM ' r-% IT EX" T0 M, CARDMEMBER AGREEMENT Please read this Agreement carefully before using your Discover®Card Account It contains the terms and conditions of your Account,some of which may have changed from earlier materials provided to you.In the event of any differences,this Agreement shall control.We respect your privacy.See the Privacy section on page 10 and our Privacy Policy for additional information.The Arbitration of Disputes section on page 12 includes a waiver of a number of rights,including the right to a jury trial. The Right to Reject Arbitration section on page 13 describes the procedure you must follow if you desire to reject the Arbitration of Disputes section. DEFINITIONS....................................................2 USING YOUR ACCOUNT...........................................2 Your Acceptance of this Agreement..............................2 Permitted Uses of Your Account.................................2 Prohibited Uses of Your Account................................3 Purchases and Cash Advances in Foreign Currencies................3 Cash Advances................................................3 Balance Transfers..............................................3 Credit Authorizations..........................................3 Authorized Users..............................................3 Unauthorized Use.............................................4 Your Credit Lines..............................................4 CHANGES TO THIS AGREEMENT....................................4 MAKING PAYMENTS..............................................4 Promise to Pay................................................4 o Monthly Billing Statement......................................5 Monthly Payment Options......................................5 Automatic Billing Arrangements................................5 How We Apply Payments.......................................5 Minimum Monthly Payment....................................6 Skip-A-Payment Offers ....................................... 6 Credit Balances...............................................6 Pay-By-Phone.................................................6 INTEREST CHARGES...............................................6 How We Calculate Interest Charges..............................6 Balance Subject to Interest Rate.................................7 Paying Interest...............................................7 Annual Percentage Rates.......................................7 Variable Interest Rates.........................................7 PenaltyAPR..................................................8 FEES............................................................8 Cash Advance Fee.............................................8 Balance Transfer Fee...........................................8 Foreign Currency Fee..........................................9 Minimum Interest Charge......................................9 Annual Fee...................................................9 LateFee.....................................................9 Returned Payment fee.........................................9 Returned Discover Card Check Fee...............................9 ResearchFee.................................................9 DEFAULT AND CANCELLATION.....................................9 1 11DCM0_02BOK_TL23H0211_000a3.indd 3-4 1/11/11 9:52 AM Types of Default..............................................9 currency and wire transfers,or by means of checks which we may furnish Consequences of Default......................................10 to you,all in accordance with such additional terms and conditions as we Cancellation.................................................10 may offer from time to time. PRIVACY AND OUR COMMUNICATIONS WITH YOU..................10 •Balance Transfers—to transfer balances from other creditors or to make Our Privacy Policy............................................10 other transactions by means of balance transfer coupons or checks,in Reporting to Credit Reporting Agencies.........................10 accordance with such additional terms and conditions as we may offer Our Communications with You.................................10 fromtimetotime. Releasing Information About Your Account......................11 In addition, your Account may be used to guarantee reservations at Electronic Notices to You......................................11 participating establishments.You will be liable for guaranteed reservations Notices—Changes to Your Information..........................11 that are not cancelled prior to the time specified by the establishment.Your CLAIMS AND DISPUTES...........................................11 Account may be used for personal, family, household and charitable Merchant Disputes...........................................11 purposes. Claim Notices................................................11 prohibited Uses of Your Account Your Account may Arbitration of Disputes........................................12 y not be used to obtain Right to Reject Arbitration....................................13 loans to purchase,carry or trade in securities,to pay any amount you owe LEGAL INTERPRETATION OF THIS AGREEMENT.......................14 under this Agreement or for any transactions that are unlawful where you Severability..................................................14 reside or where you are physically located when you use the Account to Compliance with Interest Rate Limitations.......................14 initiate the transaction("Prohibited Transactions"). Governing Law..............................................14 Purchases and Cash Advances in Foreign Currencies.If you make a purchase ASSIGNMENT OF ACCOUNT.......................................14 or cash advance in a foreign currency,it will be converted to U.5.dollars DEFINITIONS using either a government-mandated rate,a government-published rate or 'Account"means your Discover Card Account. the interbank exchange rate,depending on the country and currency in which the transaction is made.The rate used will be the rate in effect on "APR"means an annual percentage rate. the conversion date for the transaction,which may be different than the "Authorized User"means any person whom you authorize to use your Transaction Date as shown on your statement. We charge a Foreign Account or a Card,whether you notify us or not. Currency Fee for each purchase made in a foreign currency as described in "Card"means any one or mor%Discover Cards issued to you or someone the Foreign Currency Fee section on page 8. else with your authorization. Cash Advances.We may periodically offer you promotional rates on cash "Pricing Schedule" means the document accompanying your Card and advances for the time period specified in the offer,subject to the Penalty listing the APRs that apply to your Account and other important APR section.The offer may contain a Cash Advance Fee for each cash information.The Pricing Schedule is part of this Agreement. advance. . "We,""us"and"our"refer to Discover Bank,the issuer of your Discover Balance Transfers.In our discretion,we may periodically offer you the Card. opportunity to make balance transfers from other creditors or to make "You,""your"or"yours"refer to,in addition to you,the Cardmember,any other transactions to your Account by means of balance transfer coupons other person or persons who are also contractually liable under this or checks. The standard purchase rate applies to balance transfers. Agreement. However,we may periodically offer you promotional rates on balance USING YOUR ACCOUNT transfers for the time period specified in the offer,subject to the Penalty APR section.Each offer will contain an expiration date.If you attempt to Your Acceptance of this Agreement The use of your Account or a Card by transfer balances by means of a check after the expiration date,we will you or an Authorized User,or your failure to cancel your Account within 30 treat the transaction as a cash advance.We will not make balance transfers days after receiving a Card,means you accept this Agreement,including the attempted by means of a coupon after the expiration date.We may charge Arbitration of Disputes section on page 12.You may,however,reject the a Balance Transfer Fee as indicated in the Balance Transfer Fee section. Arbitration of Disputes section as explained on page 13. Credit Authorizations.Certain transactions will require our authorization Permitted Uses of Your Account Your Account may be used for: prior to completion. In some cases, you may be asked to provide •Purchases—to purchase or lease goods or services from participating identification.We have the right not to authorize a transaction for security merchants by presenting your Card or Account number or by using or other reasons.Also,if our authorization system is not working,we may promotional checks,which we may furnish to you,in accordance with not be able to authorize a transaction.We will not be liable to you if any such additional terms and conditions as we may offer from time to time. of these events happen. •Cash Advances—to obtain cash advances from participating automated Authorized Users. If you want to cancel the authority of a current teller machines,financial institutions or other locations,the purchase of Authorized User to use your Account or a Card,you must notify us and lottery tickets,racetrack wagers,vouchers redeemable for cash or for destroy any Card in that person's possession. You can notify us by casino chips, money orders, traveler's checks, savings bonds, foreign telephoning 1-800-DISCOVER(1-800-347-2683),or by writing Discover,PO -2- -3- i1DCMO-02BOK_TL23H0211_00083.indd 5-6 1/11/11 9:52AM i Box 30943,Sah Lake City,UT 84130-0943.None of your rights under this to use your Account or a Card,even if you do not notify us that others are Agreement(other than to pay amounts owed)may be exercised by any using your Account or a Card.If you pay us in other than U.S.dollars,we person not a party to this Agreement acting pursuant to a power of may refuse to accept the payment or charge your Account our cost to attorney, without our separate written agreement(which we are not convert your payment to U.S.dollars.All checks must be drawn on funds on obligated to give). deposit in the U.S.You may not use a cash advance check,balance transfer Unauthorized Use.Prior to its use,each Card must be signed by the person check or coupon,or any other promotional check drawn on any Discover to whom it is issued.If a Card is lost or stolen,or if you think that someone Bank credit card account to make payments on your Account If your is using your Account or a Card without your permission, notify Account is a joint Account,each of you agrees to be liable individually and us immediately. You can notify us by telephoning 1.800-DISCOVER jointly for the entire amount owed on your Account.We can accept late (1-80D-347-2683),or by writing Discover,PO Box 30943,Sah Lake City,UT payments or partial payments or checks and money orders marked 84130.0943.You agree to assist us in determining the facts relating to any "payment in full"or with any other restrictive endorsement without losing theft or possible unauthorized use of your Account or a Card and to comply any of our rights under this Agreement with such procedures as we may require in connection with our Monthly Billing Statement We will send you a billing statement after each investigation. monthly billing period in which you have a debit or credit balance,unless Your Credit Lines.We will advise you of your Account credit line.We may we waive our right to do so as permitted by law.The billing statement will impose a lower line that will apply to cash advances,referred to as the cash show the purchases,cash advances,balance transfers,Interest Charges and advance credit line.We may also impose a lower line that will apply to other charges or fees and the payments or other credits posted to your balance transfers,referred to as the balance transfer credit line.You agree Account during the billing period.It will show your New Balance,Payment not to allow your unpaid balance,including Interest Charges and fees,to Due Date and Minimum Payment Due as of the end of the billing period.If exceed your Account credit line.If you exceed your Account credit line,we your prior month's payment is returned unpaid,your required Minimum may request immediate payment of the amount by which you exceed your Payment Due may be higher than shown on your billing statement.See the Account credit line. Minimum Monthly Payment section on page 5. We may increase or decrease your Account credit line,your cash advance Monthly Payment Options.You may at any time pay the entire New credit line or your balance transfer credit line without notice.The credit Balance shown on your billing statement,but each month you must pay at available for your use may,from time to time,be less than your Account least the Minimum Payment Due as described in the Minimum Monthly credit line.For purposes of determining your available credit,we reserve Payment section.All payments must be made in accordance with the terms fThY right to postpone for up to 15 business days reducing your unpaid stated on your monthly billing statement,as well as the payment cut-off balances by the amount of any payment that we receive.Your available time stated in this section,and we will credit your Account in accordance credit will not be increased by the amount of any credit balance. with those terms and this section.Payments received in proper form at our CHANGES TO THIS AGREEMENT processing facility by 5PM local time on any day will be credited as of that day.Payments received in proper farm at our processing facility after 5PM From time to time,we may,to the extent permitted by law,change any local time will be credited as of the next day. term of this Agreement including,but not limited to,any interest rate,fee Automatic Billing Arrangements. If your Account number and/or Card or method of computing any balance upon which the interest rate is expiration date changes and our records indicate you have automatic assessed,or add or delete any term to this Agreement We will give you billing established with a merchant we will attempt to provide your new notice of the change in the time and manner required by law,which Account information to that merchant To ensure uninterrupted billing,we incudes 45-days advance written notice in some circumstances. In recommend that you verify the merchant has your new Account addition,to the extent required by law,we will offer you the opportunity information.You must contact the merchant directly if you do not wish to to reject a change.For example,law requires,with certain exceptions,that continue the automatic billing arrangement we offer you the opportunity to reject an increase in a late fee or the elimination of a grace period prior to the effective date of the change.H How We Apply Payments.We apply payments and credits at our discretion, you reject a change in accordance with the instructions in the notice including in a manner most favorable or convenient for us.In all cases,we provided,we will dose your Account and you will no longer be able to use will apply payments and credits in accordance with applicable law.Each it for further transactions.You can then pay the remaining balance under billing period,to the extent your payments exceed the Minimum Payment the unchanged term.We may also change any term of any product service Due shown on your current billing statement,we will apply these excess or benefit offered in connection with your Account We will notify you as amounts generally in order of the APR applicable to the balance of each required by law or by the terms of the product service or benefit transaction category(as referenced in the INTEREST CHARGES section), MAKING PAYMENTS from highest to lowest,beginning with the balance subject to the highest APR as of the date we credit your payment For promotional balances with Promise to Pay.You agree to pay us in U.S.dollars for all purchases,cash the same APR,we will apply payments to the promotional balance with the advances and balance transfers including applicable Interest Charges and longest remaining duration before promotional balances with shorter other charges or fees,incurred by you or anyone you authorize or permit remaining durations. -4- -5- 11DCM0_02BOK_Tl23H0211 00083.indd 7-8 1/11/11 9S2AM Minimum Monthly Payment The Minimum Payment Due for a billing When we calculate daily balances,we add a new transaction as of the period will be the greater of: Transaction Date shown on your billing statement,unless the transaction is •the New Balance shown on your billing statement for that billing period posted to your Account after the close of the billing period in which it if it is less than$15; occurs,in which case the transaction will be added to the daily balance as •$15 if the New Balance is$15 or more;or 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 •any past due amount plus the greater of: transaction category with the exception of Cash Advance Fees which are •2%of the New Balance(excluding current Interest Charges and Late added to the applicable cash advance transaction category and Balance Fees)rounded up to the nearest dollar or Transfer Fees which are added to the applicable balance transfer transaction •current Interest Charges plus Late Fees plus$15(not to exceed 3%of category. the New Balance)rounded up to the nearest dollar. Balance Subject to Interest Rate.Your statement shows a Balance Subject to We may also include some or all the amount by which you exceed your Interest Rate. It shows this for each transaction category The Balance Account credit line.We may subtract certain fees to calculate the Minimum Subjectto Interest Rate shown on your statement is the average of the daily Payment Due.The Minimum Payment Due will never exceed the New balances during the billing period. Balance. Paying Interest We begin to impose Interest Charges on all transactions Skip-A-Payment Offers.We may from time to time allow you to not make and fees from the Transaction Date shown on your billing statement for the a Minimum Payment Due and will notify you when this option is available. transaction or fee.However, if a transaction or fee is posted to your If you take advantage of this offer and do not make a Minimum Payment Account after the close of the billing period in which it occurs,we begin to Due,Interest Charges and any applicable fees will accrue on your Account impose Interest Charges on that transaction or fee from the first day of the in accordance with this Agreement and you must pay the Minimum billing period in which it is posted to your Account.We begin to impose Payment Due for the following billing periods. Interest Charges on Interest Charges from the date they are added to your Credit Balances.We will refund any credit balance within seven business Account.We continue to impose Interest Charges on all transactions,fees days from receipt of your written request.If you do not request a refund, and Interest Charges until you pay the total amount you owe us.Your due we will automatically refund credit balances greater than$1 that remain in date will be at least 25 days afterthe close of each billing period except that your Account after 6 months. it will be at least 23 days after the close of each billing period that begins G Pay-By-Phone.We may from time to time allow you to make payments by in February.If you paid the New Balance on your previous billing statement authorizing us over the telephone to transfer or pay funds from a deposit by the Payment Due Date shown on that billing statement,we will not account to your Account.We will not charge you aPay-By-Phone Fee. impose Interest Charges on new purchases,that is purchases fiat appearing on the current billing statement,or any portion of a new purchase,paid by INTEREST CHARGES the Payment Due Date on your current billing statement We call this the How We Calculate Interest Charges—Daily Balance Method(including grace period."There is no grace period on balance transfers or cash current transactions):We figure Interest Charges for each billing period.To advances.As more fully described in the section titled"How We Apply do this: Payments,"we apply payments in a manner most favorable or convenient We calculate your Interest Charges separately for each balance subject to for us and,to the extent your payments exceed the Minimum Payment Due different terms(for example,standard purchases,standard cash advances shown on your current billing statement we will apply such excess amounts and each purchase,balance transfer and cash advance balance subject to generally in order of the APR applicable to the balance of each transaction promotional terms).We refer to these balances as transaction categories. category(as referenced in the INTEREST CHARGES section),from highest to •We figure the"daily balance"for each transaction category.To get the lowest beginning with the balance subject to the highest APR as of the "daily balance"wetakethe beginning balance for each day,add any new date we credit your payment.This means that if you do not pay your balance in full each month,then,depending on the balance to transactions and fees and any Interest Charges accrued on the previous which we day's daily balance.We then subtract any credits and payments and make allocate your payment,you may not be able to get a grace period on new other adjustments(including those adjustments required in the section purchases. titled Paying Interest).In calculating the daily balance for the first day of Annual Percentage Rates.The daily periodic rate and corresponding APR the billing period,we consider the"previous day's daily balance"to have that apply to each transaction category are set forth in your Pricing been your balance on the last day of your previous billing period.This Schedule.The daily periodic rate is 11365th of the corresponding APR. gives us the daily balance for each transaction category. Variable Interest Rates.One or more daily periodic rates and corresponding •We figure the Interest Charges on your Account by multiplying the daily APRs that apply to a transaction category may be variable rates as set forth balance for each transaction category by its daily periodic rate,for each in your Pricing Schedule or in any special offers you receive from us. day in the billing period. Variable APRs are determined by adding a specified number of percentage •The total Interest Charges for the billing period are the sum of the daily points to the Prime Rate.This is shown on the Pricing Schedule as"Prime+ Interest Charges for each transaction category for each day during that (percentage points)."For purposes of this Agreement the Prime Rate is the billing period. -6_ _7_ 11DCM0_02BOK_TL23H0211_00083.indd 9-10 1111/11 9.62 AM highest rate of interest listed as the"prime rate" in the Money Rates balance transfer with a minimum Balance Transfer Fee of$10 and no section of The Wall Street Journal on the last business day of the month. maximum. The Prime Rate is merely a pricing index and does not represent the lowest Foreign Currency Fee.We will charge you a Foreign Currency Fee of 2%of or best interest rate available to a borrower at any bank at any given time. the U.S.dollar amount of each purchase made in a foreign currency. If you have a variable rate,your APR will increase or decrease when the Minimum Interest Charge.We will charge you a minimum Interest Charge Prime Rate changes.This change will be effective beginning with the first of$.50 for any billing period in which Interest Charges of less than$.50 day of the billing period that begins during the same calendar month as the would otherwise be imposed. change in the Prime Rate.An increase in the APR may increase your Annual Fee.If your Pricing Schedule accompanying your Card includes an Minimum Payment Due. Annual Fee,we will charge you an Annual Fee in the amount indicated.We Penalty APR.Each time that you do not make the Minimum Payment Due will charge you this fee when we open your Account and at the beginning by the Payment Due Date we may,in accordance with applicable law: of each anniversary year your Account is open.The Annual Fee is not (i)terminate the availability of any promotional APRs on new purchases refundable,except as provided by law. and balance transfers;and Late Fee.We will charge you a late Fee if you have failed,as of the Payment (ii)increase your APRs for new purchases and balance transfers to variable Due id or that billing period.The amouto make the Minimum nt oftthe eLate Fee isthatwas q$25,d x�ptbe t he Penalty APRs. ssed the Each new variable Penalty APR for a new purchase or balance transfer is amount after any ylsu Fee is assessed uent Late is a rise a late Fee will nevertexikeed the determined by adding up to 5 additional percentage points to the Minimum er mart Due that was due immediately prior to the date on otherwise applicable APR and will vary based on any changes in the Prime which the Late Fee was assessed and will never exceed the amount Rate.(For example,if the promotional purchase rate was 2.99%and the hichtt h b law. rate for other purchases was 15.99%and you paid late once,the rate for all p Y new purchases could increase up to 20.99%variable and vary thereafter Returned Payment Fee.We will charge you a Returned Payment Fee any with the Prime Rate.)When we first determine the variable Penalty APRs, time you pay us with a check or other instrument that is returned unpaid. we use the Prime Rate effective for the billing period in which you pay late. This fee will also apply if a debit transaction to a deposit account from The variable Penalty APRs are determined in accordance with the Variable which you have authorized us in writing,electronically or orally,to deduct Interest Rates section.Wewillbase your Penalty APRonyour creditworthiness all or a part of an amount you owe us under this Agreement is returned and other factors such as your current APRs and your Account history.If we unpaid.We will charge you this fee the first time any payment is returned increase any of your APRs to a Penalty APR,we will send you a notice,in unpaid,even if it is paid upon resubmission.The amount of the fee is$25, accordance with applicable law,advising of(i)the date the new Penalty except the amount of any subsequent Returned Payment Fee assessed APR will apply(the"Penalty APR Effective Date")and(ii)the new purchases during the next six billing periods after a Returned Payment Fee is assessed and balance transfersto which it will be applied(note:the new Penalty APR is$35.The Returned Payment Fee will never exceed the Minimum Payment will not apply to any other transactions).New purchases and balance Due that was due immediately prior to the date on which the payment was transfers are those purchases and balance transfers which either(i)have a returned to us and will never exceed the amount permitted by law. Transaction Date, as shown on your billing statement, of more than Returned Discover Card Check Fee.We will charge you a Returned Discover fourteen days after we mail or deliver the notice to you,or(ii)were posted Card Check fee each time we decline to honor a Discover Card cash advance to your Account after the current Penalty APR Effective Date.Your Account check, balance transfer check, promotional purchase check, or other will not be subject to a Penalty APR for the first twelve billing periods after promotional check.The amount of the fee is$25,except the amount of any your Account is first opened. subsequent Returned Discover Card Check Fee assessed during the next six If your APR for purchases or balance transfers was increased to a Penalty billing periods after a Returned Discover Card Check Fee is assessed is$35. APR,we will,to the extent required by applicable law,periodically review The Returned Discover Card Check Fee will never exceed the amount of the your Account to determine if any of those APRs should be reduced.Any check and will never exceed the amount permitted by law. reduced APRs on new and existing balances may be different and may be Research Fee.We may charge you a Research Fee of$5 for each copy of a higher than your previous standard APRs for purchases and/or balance billing statement or sales slip that you request.However,we will not charge transfers or any promotional rate. a fee if you request copies in connection with a billing error. FEES DEFAULT AND CANCELLATION Cash Advance Fee.Unless otherwise specified in a cash advance offer,we Types of Default.You are in default if you become insolvent;if you file will charge you a Cash Advance Fee in the amount indicated on your Pricing a bankruptcy petition or have one filed against you; if we have a Schedule.All forms of cash advances,including the use of Discover Card reasonable belief that you are unable or unwilling to repay your checks,regardless of the purpose for which used,are subject to a Cash obligations to us;if you are declared incompetent by a court or if a court Advance Fee. appoints a guardian for you or a conservator for your assets;if you die; Balance Transfer Fee.Unless otherwise specified in a balance transfer offer, if you fail to comply with the terms of this Agreement,including failing we will charge you a Balance Transfer Fee of 5%of the amount of each new -9- -8- - I11DCM0_02BOILTL23H0211_00083.indd 11-12 1/11/11 9:52 AM to make a required payment when due,exceeding your Account credit and calls to your cell phone to contact you about your Account or to refer line or using your Card or Account for a Prohibited transaction;or if you not toobepcontacted in oines olramore of th sel ways,yyoulmyust eeither fail to make a required payment when due on any other account you telephone us at 1-800-DISCOVER(1-800-347-2683) or write to us at have with us. Discover,PO Box 30961,Salt Lake City,UT 84130-0961. Consequences of Default If you are in default,we may declare the entire balance of your Account immediately due and payable without Releasing Information About Your Account We provide various methods notice.If we refer the collection of your Account to an attorney or by which you can obtain information about your Account.We will only employ an attorney to represent us with regard to recovery of money release such indicate is an authorized buyer onon to ,your Ac Account and any other personAuthorized User that our cwiith ords that you owe us,we may charge you reasonable attorneys'fees and court or other collection costs as permitted rior permission,in addition to as provided in our Privacy Policy or as incurred by us,including fees and costs in connection law and as actually Your P ction with any appeal. required by law.Our security measures cannot insure against unauthorized We may delay enforcing or not enforce any of our rights under this information no to greeanythat h tw we elven tifb respot sy le for the release or of Agreement without losing or waiving any of them. permission,has gained possession of a Card or has learned other identifying Cancellation.You may cancel your Account by notifying us in writing or characteristics about you such as your personal identification number, by telephone and returning or destroying every Card and unused check Account number or social security number. that we have provided you. You can notify us by telephoning 1-800-DISCOVER(1-800.347-2683),or by writing Discover,PO Box 30943, Electronic Notices to You.We may offer you the opportunity to receive Salt Lake City,UT 84130-0943.Of course,you will still be responsible to certain notices from us electronically rather than through the mail, pay any amount you owe us according to the terms of this Agreement. including monthly billing statements and change of terms notices.The If your Account is a joint Account,either Cardmember may cancel the terms and conditions for receiving these electronic communications will be Account,but you will both remain responsible to pay any amount owed described in the offer. to us according to the terms of this Agreement.We may cancel or Notices—Changes to Your Information.If you change your e-mail address, suspend your Account at anytime without notice.We may choose notto mailing address or telephone number you must notify us of your new renew your Account(beyond the expiration date shown on the face of a address or telephone number within 15 days. You can notify us by Card)without notice.You must return any Card or unused checks to us telephoning 1-800-DISCOVER(1-800-347-2683)or by writing Discover,PO upon request. Box 30943,Salt Lake City,UT 84130-0943.If your Account is a joint Account, PRIVACY AND OUR COMMUNICATIONS WRH YOU any notice we mail to an address you have provided for the Account will serve as notice to both Cardmembers. Our Privacy Polity.We may from time to time review your credit, CLAIMS AND DISPUTES employment and income records.We respect the privacy of information about you and your Account.Our Privacy Policy includes a summary of Merchant Disputes.We are not responsible for the refusal of anyone to the personal information we collect,when it may be shared with others, accept or honor a Card or to accept checks that we have provided you.If a how we safeguard the confidentiality and security of information and merchant fails to provide your purchase to your satisfaction and you the steps you may take to limit our sharing of such information with request a credit to your Account,we will investigate the dispute.If we others. Please read it carefully as it is part of your Cardmember resolve the dispute in your favor,we will issue a credit to your Account and Agreement. you will be deemed to have assigned to us your claim against the merchant Reporting to Credit Reporting Agencies.As indicated in our Privacy and/or any third party for the credited amount.Upon our request,you Policy,we may report to credit reporting agencies and other creditors agree to provide us with written evidence of such assignment. the status and payment history of your Account, including negative Claim Notices.In the event that you or we have a claim that arises from or credit information.Late payments,missed payments or other defaults on relates to your Account, any prior account you had with us, your your Account may be reflected in your credit report.We normally report application,the relationships which result from your Account or the to such credit reporting agencies each month.If you believe that our enforceability of the Agreement or any prior agreement,before initiating, report of your Account status is inaccurate or incomplete,please write us joining or participating in any judicial or arbitration proceeding,as either at the following address:Discover,PO Box 15316,Wilmington,DE 19850- an individual litigant or member of a class("Proceeding"),the complaining 5316.Please include your name,address,home telephone number and party shall give the other party:(1)a written notice of the claim("Claim Account number. Notice'),at least 15 days before initiating any Proceeding,explaining in Our Communications with You.You agree that our personnel may listen reasonable detail the nature of the claim and any supporting facts;and(2) to or record telephone calls between you and our representatives a reasonable good faith opportunity to resolve the claim without the without additional notice to you,including but not limited to calls we necessity of a Proceeding.This includes any claims involving our parent make to collect debts.We may use any medium permitted by law, corporation, subaries,predectes essors, successors,e s(including, as without limitation,the oficers, including but not limited to mail, live telephone calls, automated FS Services LLC), telephone equipment,prerecorded telephone calls,e-mail,text messages directors and employees of each of these entities.Any Claim Notice shall be -tt- -10- 1/11/11 9:52 AM, 11DCM0_02B0K_TL23H0211_00083.indd 13-14 i i entitled to recover your arbitration filing,administrative and hearing fees, sent to us at Discover,PO Box 3024,New Albany,you) 4(the (or such other reasonable attorneys' fees and/or other arbitration costs, we will be address as we shall subsequently provide to you) (the "Claim Notice responsible for paying or reimbursing such costs and fees if awarded by Address")or to you at your address appearing in our records or,if you are the arbitrator. represented by counsel,to your attorney at your attorney's office. Arbitration of Disputes.Agreement to arbitrate.In the event of any past, Fees and Costs.At your written request,we will advance any arbitration present or future claim or dispute(whether based upon contract,tort, filing,administrative and hearing fees which you would be required to statute, common law or equity) between you and us arising from or pay to pursue a claim or dispute as a result of our electing to arbitrate that relating to your Account,any prior account you have had with us,your claim or dispute.Send requests to Discover,PO Box 30421,Salt Lake City, ur Account or the UT 84130-0421. The arbitrator will decide who will ultimately be application, the relationships which result from yo enforceability or scope of this arbitration provision,of the Agreement or of forsreimburs nor our iarbitration filing,administrative ror hearing fees to the any prior agreement,you or we may elect to resolve the claim or dispute by 9 binding arbitration.IF EITHER YOU OR WE ELECT ARBITRATION,NEITHER extent you would have been responsible for paying"attorneys'frt ees and court or YOU NOR OR TO HAVE SHA ALLY AVETRITHE ITHTT LITICLAIAPRT HAT CLAMING DISCOVERY IN COURT event willther youcbee ection quir d to pay costs"hadt anthe feesnor costsroceede nc urreduby lusrin RIGHTS AND POST-HEARING APPEAL RIGHTS WILL BE LIMITED.NEITHER connection with an arbitration proceeding o cable law.here such a payment or YOU NOR WE SHALL BE ENTITLED TO JOIN OR CONSOLIDATE CLAIMS IN reimbursement is prohibited by app ARBITRATION BY OR AGAINST OTHER CARDMEMBERS WITH RESPECT TO Hearings and Decisions.Any arbitration hearing will take place in the OTHER ACCOUNTS,OR LITIGATE IN COURT OR ARBITRATE ANY CLAIMS AS federal judicial district where you reside.The arbitrator shall follow A REPRESENTATIVE OR MEMBER OF A CLASS OR IN A PRIVATE ATTORNEY applicable statuteslicable ive of(aw to the extent limitations and shallnsi h nor with of privilege GENERAL CAPACITY("Class Action Waiver"). be Notwithstanding anything else to the contrary in this arbitration provision, rermitteddbythe ubstantiveat law and lllaws that hwould apply f he action were only a court,and not an arbitrator,shall determine the validity and effect permitted in court.If requested by any party,the arbitrator shall write an of the Class Action Waiver.Even if all parties have opted to litigate a claim o inion containing the reasons for the award.The arbtrator's decision in court,you or we may elect arbitration with respell to any claim made wdl be final and binding except for any appeal rights under the FAA and by a new parry or any new claims later asserted in that lawsuit and exce t that if the amount in controversy exceeds 5100,000,any party may o nothing undertaken therein shall constitute a waiver of any rights under appeal the award within 30 days to athree-arbitrator panel,which shall this arbitration provision.We will not invoke our right to's equivalent an review the award de novo.Unless applicable law provides otherwise,the individual claim you bring in small claims court or your state's equivalent appealing a will a the cost of the appeal,regardless of its outcome. court,if any,unless such action is transferred,removed or appealed to a However,we will consider in good faith any reasonable request for us to different court. bear the fees charged by the arbitration administrator and the arbitrators Governing Law and Rules.Your Account involves interstate commerce and in connection with the appeal. Judgment upon any award by the this provision shall be governed by the Federal Arbitration Act(FAA).The arbitrator may be enforced in any court having jurisdiction. arbitration shall be conducted, at the option of whoever files the Other Beneficiaries of this Provision.Our rights and obligations under this arbitration claim,by either the American Arbitration Association(AAA)or JAMS in accordance with their procedures in effect when the claim is filed. parent corporations,arbitration subsidiaries,affiliates(including,witovision shall inure to the benefit of and be houtlimitation,m t t on, For a copy of their procedures,to file a claim or for other information, DFS Servics LLC),predecessors,successors,assigns,as well as the officers, contact AAA at 335 Madison Ave.,Floor 10,New York,NY 10017-5905, in and will www.adr.org(phone 1-800-778-7879)or JAMS at 620 Eighth Ave.,Floor the benefit of anirectors and eythirdpartycnamed as a cotidefendant with susiorlrwith 34,New York,NY 10018,www.jamsadr.com(phone 1.800-352-5267).No other arbitration forum will be permitted,except as agreed to pursuantto any of the foregoing in a claim which is subject to this arbitration either the Changes to this Agreement section or a writing signed by both provision.Your rights and obligations under this arbitration provision shall parties. If neither AAA nor JAMS is able or willing to serve as the inure to the benefit of and be binding upon all persons contractually arbitration administrator and we and you are unable to agree on a liable under this Agreement and all Authorized Users of the Account. court of competent Survival of thyour Account as well as voluntary Provision. This arbitration ry payment in fubY Y provision survive replacement administrator or arbitrator, then a you, jurisdiction will appoint an administrator or arbitrator or arbitrators(in termination of the case of an appeal to a panel of three arbitrators as described below). any legal proceedings by us to collect a debt owed by you,any bankruptcy Unless consented to by all parties,no arbitration may be administered by by you and any sale by us of your Account. any administrator or arbitrated by any arbitrator that has any formal or Right to Reject Arbitration.You may reject the Arbitration of Disputes informal policy,rule or procedure that is inconsistent with or purports to section by providing us a notice of rejection within 30 days after receiving override the terms of this section.If we elect to resolve a claim or dispute a Card,at the following address:Discover,PO Box 30938,Salt Lake City, by binding arbitration and the arbitrator issues an award in your favor on UT 84130-0938.If you were previously subject to arbitration with respect a claim or claims with respect to which you would not otherwise be _13_ _12_ 1/11111 9:52 AM 11DCMO_02BOK_TL23H0211_00083.indd 15-16 i i to any account with us,this right to reject arbitration will not apply to you. In your letter,give us the following information: Your rejection notice must include your name,address,telephone number, Account informatig :Your name and account number amount The dollar amount of the suspected error. r correspondence.Calling us to indicate that you reject the Arbitration of Account number and signature and must not e sent with an .Dollar other .Description of problem:If you think there is an error on your bill,describe Disputes section or sending a rejection notice in a manner or format that what you believe is wrong and why you believe it is a mistake. does not comply with all applicable requirements is insufficient notice.In You must contact us: order to process your notice,we require that the notice be provided by .Within GO days after the error appeared on your statement. you directly and notthrough a third party.Rejection of arbitration will not affect your other rights or responsibilities under this Agreement or your •At least 3 business days before an automated payment is scheduled,if you obligation to arbitrate disputes under any other account as to which you want to stop payment on the amount you think is wrong. and we have agreed to arbitrate disputes.If you do not send a rejection You must notify us of any potential errors in writin .You may call us,but if notice,you will be obligated by the Arbitration of Disputes section with you do we are not required to investigate any potential errors and you may respect to this and any prior account you have had with us,even if you have to pay the amount in question. have previously sent a rejection notice with respect to that prior account. What will Ha en After We Receive Your Letter LEGAL INTERPRETATION OF THIS AGREEMENT When we receive your letter,we must do two things: Severability.If any part of this Agreement becomes unenforceable,it will 1 Within 30 daye of receiving your letter,we must tell you that we received not make any other part unenforceable,except that if the Class Action our letter.We will also tell you if we have already corrected the error. Waiver set forth above in the Arbitration of Disputes section is invalidated Y in any proceeding in which you and we are involved,then the Arbitration 2.Within 90 days of receiving your letter,we must either correct the error of Disputes section will be void with respect to that proceeding. or explain to you why we believe the bill is correct. Compliance with Interest Rate Limitations.We intend that this Agreement While a investigate wewhether o not there unt ihas a been an error: you as will comply with applicable interest rate limitations.You will not be required to pay Interest Charges or other charges at a rate that is greater delinquent on that amount. than the maximum amount permitted by law. If it is ever finally .The charge in question may remain on your statement,and we may determined that,but for this section,the Interest Charges or other charges continue to charge you interest on that amount. under this Agreement would exceed the maximum lawful amount,the .While you do not have to pay the amount in question,you are r€sponsible Interest Charges and other charges will be reduced to the maximum for the remainder of your balance. lawful amount.Any excess amount that you have already paid will be used will be refunded toany unpaid t against your credit limit. to reduce the outstanding balance of your Account or After we finis our investigation,none of two things will happen: you by means of a check in our discretion. • Governing Law.This Agreement and any claim f any interest or other fees related to that amount If we made a mistake:You will not have to pay the amount in question or dispute arising out of this Agreement will be governed by applicable federal law and,to the •If we do not believe there was a mistake:You will have to pay the amount extent state law applies,Delaware law. ASSIGNMENT OF ACCOUNT in question,along with applicable interest and fees.We will send you a We may sell, assign or transfer your Account or any portion thereof statement of the amount you owe and the date payment is due.We may without notice to you.You may not sell,assign or transfer your Account tohWn report you as delinquent if you do not pay the amount we think you without first obtaining our prior written consent. If you receive our explanation but still believe your bill is wrong,you mu write to us within 10 days telling us that you still refuse to pay.If you do so, Your Billing RI hts: we cannot questioningryourtbill.We mou as eulsttell you the name of uent without also anyone toawhou are om we Keep This Document For Future Use reported you as delinquent,and we must let those organizations know when the matter has been settled between us. This notice tells you about your rights and our responsibilities under the If we do not follow all of the rules above,you do not have to pay the first Fair Credit Billing Act. $50 of the amount you question even if your bill is correct. What To Do If You Find A Mistake On Your Statement Your Ri hts If You Are Dissatisfied With Your credit Card Purchases If you think there is an error on your statement,write to us at If you are dissatisfied with the goods or services that you have purchased Discover with your credit card,and you have tried in good faith to correct the PO Box 30421 problem with the merchant,you may have the right not to pay the Saft Lake City,UT 94130-0421. remaining amount due on the purchase. 15- -14- 1/11/11 9.52 AM 11DCM0_02BOK_TL23H0211_00083.indd 17-18 i i maximum limit of insurance will be divided proportionally among the 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 Insured Persons,based on each applicable Benefit Amount.In the event of multiple Accidental deaths per Account arising from any one miles of your current mailing address,and the purchase price must have Accident,the Company's liability for all such Losses will be limited to a been more than $50. (Note: Nether of these are necessary if your maximum limit of insurance equal to two times the applicable Benefit purchase was based on an advertisement we mailed to you,or if we own Amount for Loss of Life.Benefits will be proportionately divided among the company that sold you the goods or services.) the Insured Persons up to the maximum limit of insurance. 2.You must have used your credit card for the purchase.Purchases made DEFINITIONS:' with cash advances from anATM orwith acheck that accesses your credit Accident orAccidental means a sudden, unforeseen and unexpected card account do not qualify. event happening by chance, and includes unavoidable exposure to 3.You must not yet have fully paid for the purchase. elements arising from a covered Hazard. If all of the criteria above are met and you are still dissatisfied with the Accidental Bodily Injury ies means bodily injury which is Accidental,is purchase,contact us' it at the direct source of a Loss,is independent of disease,illness or other Discover cause and occurs while this policy is in force. PO Box 30945 Account means a Card account. Salt Lake City,UT 84130-0945 Benefit Amount means the Loss amount at the time the entire cost of the While we investigate,the same rules apply to the disputed amount as passenger fare is charged to an Account. discussed above.After we finish our investigation,we will tell you our Card means the Discover Card. decision.At that point,if we think you owe an amount and you do not pay, Cardmember means the holder of the Card whose name appears on the we may report you as delinquent. credit card. Coman means the Federal Insurance Company. entire cost DESCRIPTION OF COVERAGE Covered Trip aps ne ars travel e on for asuch dtrlansportat on,ed Aircraft h lessen hredeemable SCHEDULED AIR TRAVEL ACCIDENT INSURANCE certificates, ginervouchers re coupons, has been charged to the Insured Discover®Cardmembers are provided with$500,000 Scheduled Air Travel person's Account. o Accident Insurance.*You,your Spouse, Domestic Partner or eligible def ned Children for whom a II be automatical ly insured against Aurchased ccidental your Loss(as of children ent Child andd those child en placed foorsadoption,who ere primarily Life Domestic from arisingr m and occurringeligible on a Covered Children forwhi homyour a ticket was who are:(1)endent upon nder theageof 19 and reside with the Insured d Person for maintenance and Support erson;(2) purchased on your Card are riding as a passenger in or entering,exiting beyond the age of 19,permanently mentally or physically challenged or being struck by a Scheduled Aircraft or a conveyance operated by a and incapable of self support;or(3)under the age of 25 and classified as military transport service or riding as a passenger in or entering or Uom ticme students at an Partner means appeuson who:tion of (1)is at least 18 years of age and exiting any conveyance licensed to carry the public for a fee and while traveling directly to or from the airport immediately preceding the competent to enter into a contract (2)is not related to the Insured departure of a Scheduled Aircraft on which the Insured Person has Person by blood;(3)has exclusively lived with the Insured Person for at purchased passage and immediately following the arrival of a Schedule least one year prior to the date of enrollment;(4)is not legally married Aircraft on which the Insured Person was a passenger. or separated;and(5)as of the date of enrollment,has with the Insured east two of the insurer *Covis underwritten erage Chubb Group of Insueance Companies..ral Insurance Co Certain n limitations mortgagerson at berlor lease;(b)a joint bank a9 count(c)jointfinancial ti le to or ownerehnp and exclusions apply. of a motor vehicle or status as a joint lessee on a motor vehicle lease;or PLAN FEATURES (d)a joint credit card account with a financial institution.Neither the able for Insured Person not the Domestic Partner can be married to,nor in a civil THE BENEFITS: The full Benefit Amount (5500,000) is pay union with,anyone else. Accidental Loss of Life.The Loss must occur within one year of the Hazard means the covered circumstances for which this insurance is Accident. provided as stated in Section III of the Declarations, Hazards, and MAXIMUM LIMIT OF INSURANCE: If more than one Insured Person described in the Hazards form,as described on page 1 of this Description suffers a Loss in the same Accident,the Company will not pay more than of Coverage. the maximum limit of insurance ($20,000,000) per ab eccwh t. If an when Insured Person means all Cardmembers,their spouses,Domestic Partners Accident results in Benefit Amounts becoming pay and Dependent Children,as well as authorized users of the Account. totaled, exceed the applicable limit of insurance shown above,the _17- -16- 1/11/11 9:52AM 11DCMO_02BOK_TL23H0211_00083.indd 19-20 i i Loss means the Loss of Life. aircraft owned,leased or operated by an employee of the Policyholder Loss of Life means death,including clinical death determined by ly to aircraft the on behalf of the Policyholder(this exclusion does not app chartered with pilot or crew on one time charter basis),(2)an accident local governing medical authorities. while an Insured Person is in,entering, or exiting any aircraft while Policyholder means DFS Services LLC,the entity responsible for the acting or training as a pilot or crew member(this exclusion does not payment of premium. apply to passengers who temporarily perform pilot or crew functions in Scheduled Aircraft means an aircraft owned and/or operated by a a life threatening emergency);(3)emotional trauma,mental or physical Scheduled Airline. illness,disease,pregnancy,childbirth or miscarriage,bacterial or viral an Scheduled Airline means an airline which is either of United States infection,or bodily malfunctions(except bacterial infection caused by inatd e registry and certified by the United States government to carry Accident or from Accidental consumption of a substance contamed reign register and by bacteria);(4)suicide,attempted suicide or Loss that is intentionally passengers on a regularly scheduled basis or of fo approved by the United States government and the appropriate foreign self-inflicted;ILMI( NOTICE:Written declared m notice aW must be given to the Company authority. aVuthority.If there issno following decliaration of Wardeclaration ,then War (1)armed,open and as within on asdreaso ably possible.Failure to s after the occurrence of any ve notice within 9this 0 policy will continuous hostilities between two countries or(2)armed,open and not invalidate or reduce any otherwise valid claim if notice is given as continuous hostilities between two factions,each in control of territory, soon as reasonably possible. or claiming jurisdiction over the site of the area of hostility. CLAIM FORMS:When the Company receives notice of a claim,the DISAPPEARANCE BENEFITS:If the Insured Person has not been found Company will send you forms for giving proof of Loss to us within 15 within one year of the disappearance,stranding,sinking;wrecking or days.If you do not receive the forms,you should send the Company a escripion of thLoss. breakdown of any Scheduled Aircraft or conveyance in whit, the written pR00FtOF LOSS:Complete proof of Loss must be given to Insured Person was covered as an occupant,it will be assumed,subject to Company within 90 days after the date of Loss,or as soon as reasonably all other terms of the policy,that the Insured Person has suffered Loss of possible.Failure to give complete proof of Loss within these time frames Life covered under this policy. EXPOSURE BENEFITS: Accident includes unavoidable exposure to will not invalidate any oth in no eveintclla later fthanicone year aafterr the elements arising from a covered Hazard. reasonably ypossible to submit complete proof en Loss. ELIGIBILITY: This insurance plan is provided to Insured Persons will automatically when the entire cost of the passenger fare(s) on a CLAYB ENT. he Companywithi60 days you or your complete of Loss the Scheduled Airline is charged to the Cardmember's Account while the applicableif insurance is effective.It is not necessary for you to notify the Policyholder isr teeived and ed with ali the u,theoPthe hold er and /or the beneficiary have or the Company when Scheduled Airline tickets are purchased. P anlrthe event of a daetpolicy, the EFFECTIVE insurance under insurance iibecomean eligible Company or the insured Person may makeawrittenemnd fo onhlater of: April 1, or the date you Cardmember.Your insurance coverage under this insurance plan will arbitration.In that case,the Company and the Insured Person will each r.The two cease on the earlier of:(1)the date the insurance coverage is terminated; ect agree I withins will a third.if thcannot an 15 days,ei heraator therCompanysct ore he Insured Person may or(2)the date you cease to be an eligible Cardmember. request that the choice of arbitrator be submitted to the American COST:This insurance plan is provided at no additional cost to eligible Arbitration Association.The arbitration will be held in the state of the Insured Persons for Covered Trips.Policyholder pays the full cost of the Insured Person's principal residence. insurance. IF YOU HAVE ANY CLAIM RELATED QUESTIONS, PLEASE CALL THE THE BENEFICIARY:The Loss of Life benefit will be paid to the beneficiary CLAIMS SERVICE CENTER AT 1-800-CLAIMS-0(1.800.252-4670). designated by you.If no such designation has been made,that benefit to Company click on will be paid to the first surviving oarent beneficiaryin) the f following order: isters ReporYou t ILossso goselecteAcc dent Benefits eand L fe claims,mselect the your spouse;b)your children;c)y p ornate form,Print out the claim form,fill out and mail.You can file e)your estate.All other indemnities will be paid to you.If you wish to appropriate change your beneficiary,you may request a beneficiary designation form a claim yg Address: ior fax. CHUBB GROUP OF INSURANCE COMPANIES by writing to the plan administrator at:The Direct Marketing Group, Inc.,13265 Bedford Avenue,Omaha,NE 68164 or at Beneficiaryrequest@ 6001MS SERVICE CENTER INDEPENDENCE PARKWAY TheDirectMG.com. PO BOX 4700 EXCLUSIONS:This insurance plan does not cover Loss resulting from:(1) CHESAPEAKE,VA 23327700 an Accident occurring while an Insured Person is in,entering,or exiting any aircraft owned, leased or operated by this Policyholder or any Fax Number. 1-BOD-300-2538 -18- 1/11/11 9:52AM 11DCM0_02B0K_TL23H0211_00083.indd 21-22 i i As a handy reference guide,please read this and keep it in a safe place with charged or debited to your Account.It is not necessary for you to notify your other insurance documents.This description of coverage is not a the Company at the time the rental fee is charged or debited to your contract of insurance but is a summary of the principal provisions of the Account. e contained in the .You must decline the Loss/Damage Waiver offered by the vehicle Rental insurance while in effect.Complete policy provisions ar Master Policy,which can be obtained from the Policyholder: .You Policy#99must rent the vehicle in your own name and sign the vehicle rental Pollicyicy U06 Underwritten By Plan Administrator agreement/contract. Federal Insurance Company The Direct Marketing Group,Inc. The coverage period will not exceed 31 consecutive days, or 45 13265 Bedford Avenue consecutive a member insurer of the days if the Insured is an employee of an organization which Chubb Group of Insurance Companies Omaha,NE 66164 has provided a Card G the Insured for business use. 15 Mountain View Road,PO Box 1615 THE KIND OF COVERAGE YOU RECEIVE: Warren,NJ 07061.1651 In consideration of the premium paid by the Policyholder as required,and subject to all the terms of the Policy,the Company agrees to reimburse on an Actual Cash Value basis either the Insured or the Rental Agency for DESCRIPTION OF COVERAGE repair or replacement of the Rented Automobile as a result of Collision SECONDARY RENTAL CAR COLLISION COVERAGE Damage to the Rented Automobile.The Company's liability will be for a maximum reimbursement of$25,000.In no event will the Company be Discover®Cardmembers can benefit from the security and safety offered liable beyond the amounts actually paid by the Insured or the Rental through Excess Collision Damage Waiver. If you rent a vehicle for 31 Agency. consecutive days or less(or 45 days under certain circumstances described If you or an Insured's primary vehicle insurance or other coverage has below)with your Card(as defined below),you may be eligible for benefits •mde payments for a covered loss,Excess Collision Damage Waiver will under this coverage. Excess Collision Damage Waiver is an insurance cover your deductible and any other eligible amounts not covered by program,underwritten by Federal Insurance Company Policy#9906.17 63 other insurance. (the"Policy"). -inclusive,coverage is not all-inclusive,which means it does not cover such DEFINITIONS: things as personal injury or personal liability.It does not cover you for any Account means a Card account. damages to other vehicles or property.It does not cover you for any injury Actual Cash Value means the cost to repair or replace the Rented to any party. Automobile at the time of loss,less depreciation. WHO IS COVERED: Cardmember means the holder of the Card whose name appears on the •Discover Cardmembers credit card. EXCLUDED RENTAL VEHICLES: Card means the Discover Card. Off-road,antique or limited edition motor vehicles;trucks;recreational Collision Damage means the direct and accidental damage to a Rented vehicles,campers, pickup trucks, and mini-buses; limited edition motor Automobile caused by upset or collision with another object.Collision vehicles or high value,exotic,high performance or collector type.High Damage does not include loss caused by missiles,falling objects,fire,theft value motor vehicles are motor vehicles whose replacement value exceeds or larceny,explosion,earthquake,windstorm,hail,water,flood,malicious $50,000,and antique motor vehicles are defined as any vehicle over 25 years mischief or vandalism,riot or civil commotion. old,or any vehicle which has not been manufactured for 10 years or more. Company means the Federal Insurance Company. WHERE YOU ARE COVERED: Insured means Cardmembers and authorized users of the Account •Coverage applies to vehicles rented anywhere in the world. Poli older means DFS Services LLC,the entity responsible for the payment •Coverage is not available where prohibited by law. of premium. WHAT IS NOT COVERED: Rental Agency means a commercial automobile rental company licensed Coverage does not apply to loss resulting from the following: under the laws of the applicable jurisdiction. An dishonest,fraudulent or criminal act of the Insured. Rented Automobile means a four-wheeled private passenger type motor Y vehicle or a minivan manufactured and designed to transport a maximum •Forgery by the Insured. of seven passengers and used excursively to carry passengers.A Rented •Loss due to war or confiscation by authorities. Automobile must be designed for travel on public roads and rented from .Loss due to nuclear reaction or radioactive contamination. Rental Agency. •The Insured being intoxicated,as defined by the laws of the jurisdiction TO GET COVERAGE: where the loss occurred,or under the influence of any narcotic unless •The Collision Damage Waiver Coverage is provided to you,as an Insured, prescribed by a physician. automatically when the entire rental fee for the Rented Automobile is 21 _20- 1111/11 9:52 AM 1113CM0_02B0K_TL23H0211_00083Andd 23-24 •Use of the Rented Automobile to carry passengers and property for hire. •A copy of the automobile rental agreement. •Use of the Rented Automobile by a person other than the one authorized •A copy of the police report. to operate the Rented Automobile by the terms of the Rental Agreement. -A copy of the initial claim report submitted to the automobile Rental •Loss of use of the Rented Automobile. Agency. •Intentional damage to the Rented Automobile by the Insured. •A copy of the paid claim presented by the automobile Rental Agency for •Damage which is due and confined to wear and tear,freezing,mechanical the Collision Damage for which the Insured is responsible. or electrical breakdown or failure. •Proof of submission of the loss to,and the results of any settlement or •Damage to tires unless the loss is coincident with a covered loss.. denial by the applicable insurance carrier(s). •Use of the Rented Automobile in tests,races or contests. •If no other insurance is applicable,a notarized statement from the Insured •The Rented Automobile being operated or located in any territory to that effect. prohibited by the terms of the Rental Agreement. Reminder:Please refer to the Insurance Disclosures section. FOR INSUREDS WHO ARE NEW YORK STATE RESIDENTS: INSURANCE DISCLOSURES To the extent that this plan provides insurance against damage to a rented As a handy reference guide,please read this document and keep it in a safe motor vehicle,the following terms and conditions apply:(1)the period of place with your other insurance documents.This Summary of Coverage is insurance coverage will not exceed 31 consecutive days,or 45 consecutive not a contract of insurance but is simply an informative statement to days if the Insured is an employee of an organization which has provided eligible Insureds of the principal provisions of the insurance while in effect. the Card to the Insured for business use;and(2)the insurance provided by Complete provisions pertaining to this plan of insurance are contained in this plan will be excess over any other valid and collectible insurance the master policy on file with DFS Services LLC,herein referred to as the covering the Rented Automobile.However,the insurance provided under Policyholder.If a statement in this Summary of Coverage and any provision this plan may be primary if specifically provided for under the terms of this in the policy differ,the policy will govern. plan and if the following criteria is met:(a)the Rented Automobile is Policy Underwritten By Plan Administrator rented for use outside the United States,its territories and possessions;(b) Federal Insurance Company("Company") The Direct Marketing Group,Inc. the Insured is an employee of an organization which has provided the Card a member of the 13265 Bedford Avenue to the Insured for business use;and(c)the Rented Automobile is rented Chubb Group of Insurance Companies Omaha,NE 68164 without a driver. 0 15 Mountain View Road,PO Box 1615 HOW TO FILE A CLAIM UNDER EXCESS COLLISION DAMAGE WAIVER: Warren,N107061-1651 In the event of a claim,written or verbal notice must be provided as soon Master Policy Number:9906.17.63 as reasonably possible. IF YOU HAVE ANY CLAIM RELATED QUESTIONS,PLEASE CALL THE CLAIMS Effective date of benefits:Effective April 1,2007,this guide replaces all SERVICE CENTER AT 1-800-CLAIMS-0(1-800.252-4670). prior disclosures,program descriptions,advertising,and/or brochures by You can also go to the Company Web site(www.chubb.com),click on any party.Policyholder and Company reserve the right to change the Report a Loss, select Accident, Benefits and Life claims, select the benefits and features of these programs at anytime. appropriate form,print out the claim form,fill out and mail.You can file a Cancellation: Policyholder can cancel these benefits at any time or claim by mail or fax. choose not to renew the insurance coverage for all authorized Mailing Address: CHUBB GROUP OF INSURANCE COMPANIES Cardmembers. If Policyholder does cancel these benefits,you will be CLAIMS SERVICE CENTER notified at least 60 days in advance.If the Company terminates,cancels, 600 INDEPENDENCE PARKWAY or chooses not to renew the coverage to Policyholder, you will be PO BOX 4700 notified as soon as is practicable,Insurance benefits will still apply for CHESAPEAKE,VA 23327-0700 any benefits you were eligible for prior to the date of such terminations, CHES Fax Number. CHES PEAK 38 cancellation, or non-renewal,subject to the terms and conditions of coverage. CLAIM PROCEDURE: Benefits to you:These benefits apply only to Cardmembers whose cards The Insured must send the Companywritten notice of a claim,includingthe are issued by U.S.financial institutions.The United States is defined as Insured's name and Policy number,within 90 days after a covered loss the 50 United States,the District of Columbia,American Samoa,Puerto occurs.If notice cannot be given within that time,it must be given as soon Rico,Guam and the U.S.Virgin Islands.No person or entity other than as reasonably possible.To file a sworn Proof of Loss,the Insured must send the Cardmember shall have any legal or equitable right,remedy,or claim the following information to the Company or its authorized representative: for insurance proceeds and/or damages under or arising out of this •A copy of the Account statement showing the automobile rental coverage.These benefits do not apply if your Card privileges have been transaction. cancelled.However,insurance benefits will still apply for any benefit you -22- -23- 11DCM0_02BOK_TL23H0211_00083Andd 26-26 1/11/11 8:52AM were eligible for prior to the date that your Account is suspended or GLOBAL TRAVELER'S HOTLINE TERMS AND CONDITIONS cancelled subject to the terms and conditions of coverage of your The Global Traveler's Hotline provides Cardmembers and their families a Cardmember Agreement. wide range of free travel assistance benefits. It is operated by AXA Transfer of rights or benefits:No rights or benefits provided under these Assistance USA,Inc.Visit Discovercard.comftravel to learn more. insurance benefits may be assigned without the prior written consent of Eligibility. You must be a Cardmember whose Account is in good the Company. standing,the Cardmember's spouse or dependent child traveling with Misrepresentation and Fraud:Coverage of the Insured will be void if,at the Cardmember or an Authorized User of an Account in good standing. any time,the Insured has concealed or misrepresented any material fact Third-Party Charges.Global Traveler's Hotline is not insurance,so you or circumstance concerning this coverage or the subject thereof or the will be responsible for all third-party fees and expenses for services interest of the Insured herein,or in case of any fraud or false swearing by requested,such as professional or medical fees. the Insured relating thereto. Availability of Services.Certain services may not be available in all areas. Coverage for an Insured will be void if,whether before or after a loss,the Call us at 1.800-DISCOVER(1.800-347.2683)for assistance or if you have Policyholder or its subscribing organization(s) has concealed or questions about a specific destination.Outside the U.S.,call us collect at misrepresented any material fact or circumstance concerning this coverage 1-801-902-3100.While AXA Assistance will make every reasonable effort or the subject thereof or the interest of the Insured therein,or in case of to provide the services,neither AXA Assistance nor Discover Bank or our any fraud or false swearing by the Policyholder or its subscribing respective affiliates will be liable if a service is not provided or for any organization(s)relating hereto. services that are provided by third parties.The services and these terms Addition of New Insureds: All eligible persons will be automatically and conditions are subject to change without notice. insured under this Policy. Examination Under Oath: It is a condition of this insurance that the Insured and the Policyholder,as often as may be reasonably required by the Company,will submit,and within its power cause others to submit,to examinations under oath and will produce for examination all writings, books of account,bills,invoices and other vouchers,or certified copies thereof if originals are lost,at such reasonable time and place as may be designated by the Company or its representative,and will permit extracts and copies thereof to be made. No such examination under oath, examination of documents or any other act of the Company,its employees or representatives in connection with the investigation of any loss or claim will be deemed a waiver of any defense and such acts shall be deemed to have been made or done without prejudice to the Company's liability. No Benefit to Others:This coverage will in no way inure directly or indirectly to the benefit of any insurer,person or organization or other bailee. Subrogation:It is a condition of this insurance that if the Company pays the Insured for a loss,it will require the Insured to assign and transfer any claim or right of action against any individual,firm or corporation for such loss to the Company or subrogate or hold in trust all such rights to the extent of the amount paid.The Insured will agree to take action as requested by the Company to enforce such rights.Upon payment by the Company to the Insured,the Insured agrees to direct enforcement of such rights as reasonably requested by the Company and to return to the Company any recovery to the extent payment of loss has been made by the Company. Arbitration:In the event of a dispute underthis policy,eitherthe Company or the Insured may make a written demand for arbitration.In that case, the Company and the Insured will each select an arbitrator.The two arbitrators will select a third.If they cannot agree within 15 days,either the Company or the Insured may request that the choice of arbitrator be submitted to the American Arbitration Association.The arbitration will be held in the state of the Insured's principal residence. _Z4- -25- i I 25-11 DCMC_02BOK_TL23H0211_00083.indd 27.28 1/11/11 9:52AM DISCOVER Discover More Card Account number ending in 3039 Open Date:Jun 24,2014-Close Date:Jul 23,2014 Cardmember Since 1988 A > Page 1 of 4 i ACCOUNT SUMMARY PAYMENT INFORMATION Previous Balance $4,064.90 New Balance •_ �! $4,191.06 Payments and Credits — $0.00 Minimum Payment Due' / Purchases + $0.00 $317.00 Balance Transfers + $0.00 Payment Due Date ��� ;\ �;August 18,2014 Cash Advances + $0.00 Includes past due amount of: _� $210.00 � Fees Charged + $35.00 Late Payment Warning:if we do not receive your,minimum payment by the Interest Charged + $91.16 date listed above,'you may,have to pay a late fee,of up to$35.00 and your New Balance $4,191.06 purchase and,balance transfer APRs for new transactions may be increased up to the Penalty APR of 29.99%variable. See Interest Calculation section following Charge n; g g the Minimum Warning: If you make only the minimum payment each Transactions section for detailed APR information period,you will pay more in interest and it will take you longer to pay off your Credit Line $4,000 ��balance.For example: Credit Line Available $0 :'lf you make no additional charges You will payoff the And you will end up Cash Advance Credit Line $2,000 using this cord and each month balance shown on this paying an estimated total you pay.., statement in about... of... Cash Advance Credit Line Available $0 `t Onlythe minimum,payment 31 years $17,906 N, �. You may be able to avoid interest on Purchases.,. '" See reverse for details. If you would like information about credit counseling services,call 1-800-347-112 1. et v 'REWARDS ry Anniversa Month \ Cashback Bonus® May Opening Balance $ 0.00 Your FICO®Credit•Score on 6117114.1New Cashback Bonus This Period + $ 0.00 ,. More at Discoyer.com, Redeemed This Period —$ 0.00 Please make check payable to Discover. You are overlim t. Cashback Bonus Balance $ 0.00 Pay the sum of the Minimum Payment Due plus the remaining To learn more,log in at Discover.com overlimit amount of$191.06. \+ 40� Make Check payable toDiscover. NOTICE:SEE REVERSE SIDE FOR IMPORTANT INFORMATION Please fold on the perforation below,detach and return with your payment. Payment Coupon 0 Pay Online O Pay by Phone Account number ending in 3039 Please do not Fold,clip or staple. . Disco ver.com 1-800-347-2683 Minimum Payment Due $317.00 '11'1111111111oil New Balance $4,191.06 Payment Due Date August 18,2014 LEONARD C BEISH 1505 LOUISA LN Amount enclosed Is MECHANICSBURG PA 17050-7281 PO BOX 71084 CHARLOTTE NC 28272-1084 Phone and Internet payments must be received by SPM ET to be credited as of the some day. �����III���I��I'Ill�ltll'���Itllll��ll�l�lll�l'I��II'lltl�l��lll� Address,e-mail or telephone changed?Note changes on reverse side. 000001986458993810080041910600198090031700 EX H I BIT LEONARD C BEISH Account number ending in 3039 Open Date:Jun 24 2014-Close Date:Jul 23 2014 Page 2 of 4 Important Information You must ensure that sufficient funds are available in your bank account,and See your Card member Agreement.Your Cardmember Agreement all transactions must comply with U.S.law. contains all the terms of your Account. You can set automatic payments for: (i)statement New Balance, (ii)statement Lost or stolen cards.Report immediately! Call 1-800-347-2683. Minimum Payment Due,(iii)statement Minimum Payment Due plus a fixed What To Do If You Think You Find A Mistake On Your Statement dollar amount,or(iv)Other dollar amount. If your scheduled"Other dollar If you think there is an error on your statement,write to us at: Discover,PO amount"payment is not enough to cover the Minimum Payment Due as listed Box 30421,Salt Lake City, UT 84130-0421. You must write to us within 60 on your monthly billing statement,your scheduled payment for that month days after the error appeared on your statement. You may call us,but if you will be increased to cover the Minimum Payment Due. If the scheduled do we are not required to investigate any potential errors,and you may hove Payment is greater than the Minimum Payment Due,any excess will be to pay the amount in question. The Billing Rights Notice further explains your applied in accordance with your Cardmember Agreement.If your scheduled rights. Please see your Cardmember Agreement or visit payment is greater than the New Balance on your billing statement,that https:Hdiscover.com/billingrights for a copy of this notice. payment will be processed only for the amount of your New Balance.Your automatic payment amount may be less than the amount indicated on the Payments.You may pay all or part of your Account balance at any time. billing statement based on credits or payments after the Close Date. However,you must pay at least the Minimum Payment Due by the Payment Due Date.Send only yourpayment 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 atter 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: 0 Full Pay 0 Min Pay_0 Min Pay+$ electronic fund transfer fromyour account at the financial institution indicated 0 Other Amount$ ; Bank Routing#: on your check or to process the payment as a check transaction.If a payment Bank Account# is processed as on electronic fund transfer,the transfer will be for the amount of the check.When we use information from your check to make an electronic fund transfer,funds may be withdrawn from your account as soon Monthly on the 0 Payment Due Date 0 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 have 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(at 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 calling 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 call us at 1-800-347-2683. unless you request a recurring payment date(e.g.,the 15"day of the month) that occurs before your Payment Due Date or Close Date.If your scheduled Balance Subl'ect to Interest Rate. Your statement shows a Balance Subject payment date 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 daily 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 last 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 statement. A credit balance is money that is owed those numbers as your electronic signature,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 cancel a scheduled payment by phone at 1-800-347-2683 or by mail at Balance Transfers.Balance Transfers are offered at our discretion and Discover,PO Box 30421,Salt Lake City,UT 84130-0421;however,we must accrue interest at the standard purchase rate unless we tell you otherwise. receive notice at least three business days in advance of the scheduled Discover may monitor and/or record telephone calls between payment. If your payments may vary in amount,we will tell you on each Y P you and monthly billing statement when your payment will be made and how much it Discover representatives for quality assurance purposes. will be. The Discover®card is issued by Discover Bank,Member FDIC. TL23N CHANGE OF ADDRESS If correct on front,do not use.Please print clearly in blue or black ink,in the space provided. Street Address Home Phone Work Phone City Email State,Zip To make changes to your address, email or telephone number, visit Discover.com Continued on next page DISC VER Discover More Card Account number ending in 3039 Open Date:Jun 24,2014-Close Date:Jul 23,2014 Page 3 of 4 CONTACT US „ a AWeb Mobile © Phone ® Inquiry N0 Mail Payments Access your -1 Manage your 1-800-DISCOVER Discover Discover account securely account anytime, (1-800-347-2683) PO Box 30943 , PO Box 6103 at Discover.com anywhere at TDD 1-800-347-7449 Salt Lake City '\Carol Stream m.Discover.com UT 84130 /IL 60197-6103 Transactions Trans.Date Post Date t, ,, . .e:, Fees Jul 18 Jul 18 LATE FEE $ 35.00� TOTAL FEES FOR,THISS PERIOD,„ 35.00 A. Interest Charged INTEREST-CHARGE ON PURCHASES $ 91.16 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGEON BALANCE TRANSFERS 0.00 TOTALI.NTERESTtiFOR THIS'P,ERIOD 91.16 2014 Totals Year-to-Date ': TOTAL FEES CHARGED IN 2014 $ 60.00 OTAL INTEREST CHARGED IN 2014 $ 621.25 Interest Charge Calculation Your Annual Percentage Rate(APR)is the annual interest rate on your account. Current Billing Period:30 days •, : s ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO TYPE OF BALANCE /'. (APR) INTEREST RATE o INTEREST CHARGE Purchases °" �"� 26.99% $4,108.79 $91.16 Cash Advances '29.99% $0.00 $0.00 V=Variable Rate .,.. Information For You 11 For more information about ho�ter .charges are calculated see your Cardmember Agreement or go to www.discover.com/interestchorges FICO®Credit Score Terms The FICO®Credit Score we provide will never impact your credit score. Your FICO®Credit Score is based on data from TransUnion and may be different from other credit scores.This information is intended for and delivered to the Primary cardmembers only that have an available score and is available on the statement for individual accounts and on Discover.com for individual and joint accounts.Discover and other lenders may use different inputs like a FICO®Credit Score,other credit scores and more information in credit decisions. If you prefer not to receive your FICO®Credit Score on your statement,just call us at 1-800-DISCOVER(1-800-347-2683). Please give us two billing cycles to process your request.To learn more,visit Discover.com.This benefit may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries. Cash,Cashier's Check,and Money Order Payments Toward Your Discover Account Discontinued at Sears@ Effective July 1,2014,Discover cardmembers will no longer be able to make payments to their Discover account with cash,cashier's checks or money orders at Sears locations.Cardmembers may still make payments towards their Discover account via personal check at Sears locations,online at www.discover.com, by mailing us a personal check,cashier's check or money order,calling us at 1-800-DISCOVER(1-800-347-2683),or by sending us a cash payment from any Western Union location. Please note,additional fees may be charged by Western Union or the business issuing your money order or cashier's check. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION LEONARD C BEISH Account number ending in 3039 Open Date:Jun 24,2014-Close Date:Jul 23,2014 Page 4 of 4 N ee N,.,, Ae P IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW DISCOVER BANK, Plaintiff vs. Civil Action No. ���a -��� LEONARD C BEISH. Defendant(s) PRAECIPE FOR ENTRY OF APPEARANCE To the Prothonotary: Enter my appearance on behalf of Plaintiff. Papers may be served at the address set forth below DATE: October 14, 2014 ?WICKER 8&ASSO,/CATES, P. C Attorneys for Plainti A Law Finn Engagedlin Debt Collection Jonathan P. Cawley, Esq PA Bar Id No. 79884 500 Office Center Drive, Suite 400 Ft. Washington, PA 19034 877-297-1183 Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor SHERIFF'S OFFICE OF CUMBERLAND COUNTY E PROM ItiNOV 20 PM 3: f ' CUMBERLAND COUNTY t +F THE S4ERIFPPENNSYLVANIA Discover Bank vs. Leonard Beish Case Number 2014-6162 SHERIFF'S RETURN OF SERVICE 11/03/2014 08:20 PM - Deputy Noah Cline, being duly sworn according to law, served the requested Complaint & Notice by "personally" handing a true copy to a person representing themselves to be the Defendant, to wit: Leonard Beish at 1505 Louisa Lane, Hampden Township, Mechanicsburg, PA 17050. NOAH CLINE, DEPUTY SHERIFF COST: $39.30 SO ANSWERS, November 05, 2014 RONNY R ANDERSON, SHERIFF (c) CountySuito Sheriff, Teleosoft, Inc. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DISCOVER BANK C/O DB SERVICING CORPORATION . Plaintiff v. LEONARD C BEISH Defendant CIVIL ACTION -LAW NO: 14-6162 Civil PRAECIPE TO ENTER APPEARANCE Filed on Behalf of Defendant: LEONARD C BEISH Counsel of Record: Robert D. Klingensmith, Esquire PA I.D. # 313960 CD HAROLD SHEPLEY & ASSOCIATES, LLC 209 West Patriot Street Somerset, PA 15501 (814) 444-0500 (814) 444-0600 (fax) rklingensmith@shepleylaw.com IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DISCOVER BANK C/O DB SERVICING CORPORATION Plaintiff CIVIL ACTION -LAW v. NO: 14-6162 Civil LEONARD C BEISH Defendant PRAECIPE TO ENTER APPEARANCE TO THE PROTHONOTARY: Kindly enter the appearance of ROBERT D. KLINGENSMITH, ESQUIRE and the law firm of HAROLD SHEPLEY & ASSOCIATES, LLC, on behalf of the Defendant, LEONARD C BEISH, in the above captioned matter. t (70I Robert D. Klingensmith, Esquire Attorney for the Defendant Harold Shepley and Associates, LLC 209 West Patriot Street Somerset, PA 15501 (814) 444-0500 (814) 444-0600 (fax) rklingensmith@shepleylaw.com IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DISCOVER BANK C/O DB SERVICING CORPORATION . Plaintiff v. LEONARD C BEISH Defendant CIVIL ACTION -LAW NO: 14-6162 Civil -P - PRELIMINARY OBJECTIONS , x` ▪ > 'ma c 17, >c-, • t.1) — =r Filed on Behalf of Defendant: LEONARD C BEISH Counsel of Record: Robert D. Klingensmith, Esquire PA I.D. # 313960 HAROLD SHEPLEY & ASSOCIATES, LLC 209 West Patriot Street Somerset, PA 15501 (814) 444-0500 (814) 444-0600 (fax) rklingensmith@shepleylaw.com IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DISCOVER BANK • C/O DB SERVICING CORPORATION • Plaintiff •CIVIL ACTION -LAW • v. •NO: 14-6162 Civil LEONARD C BEISH • Defendant • DEFENDANT'S PRELIMINARY OBJECTIONS PURSUANT TO PA.R.C.P. 1028 AND NOW, comes the Defendant, LEONARD C BEISH, by and through his attorney, Robert D. Klingensmith, Esquire, from the law firm of Harold Shepley & Associates, LLC, and files the following Preliminary Objections to Plaintiff's Complaint: Objection 1 1. Plaintiff filed a Complaint in Civil Action against Defendant demanding damages in the amount of $4,191.06. 2. DB Servicing is an improper party to the lawsuit. 3. DB Servicing has no relationship to the alleged account and was not the party who allegedly contracted with the Defendant on an alleged account. 4. DB Servicing has no claim against the Defendant. 5. Furthermore, an employee of DB Servicing signed the verification in this matter. 6. Plaintiff's Complaint does not conform to law or rule of court under Pa.R.C.P. 1028(a)(2) because,the verification is not signed by a proper party to the lawsuit. 7. An employee of DB Servicing is not a proper party to sign the verification. DB Servicing is in effect acting as a collection company for the Plaintiff. If they are to sign the verification, they must include a bill of sale or proof of assignment from the Plaintiff. :No such proof exists. 8. Pa.R.C.P. 1024 requires that the verification of the Complaint be signed by a proper party to the lawsuit. 9. Here, the Complaint is,verified by an employee of DB Servicing Corporation. 10. DB Servicing Corporation has no interest in the action and is not a proper party. 11. DB Servicing Corporation's verification does not set forth an exception to the rule. 12. Therefore,Plaintiff's Complaint is not verified by a proper party to the action as required under Pa.R.C.P. 1024 and therefore does not comply with law orrule of court as governed by Pa.R.C.P. 1028(a)(2). WHEREFORE, Defendant respectfully requests that the Plaintiff's Complaint be stricken and a proper verification be required in Plaintiff's Amended Complaint or the action be dismissed with prejudice. Objection 2 13. Plaintiff's. Complaint contains insufficient specificity in its pleading under Pa.R.C.P. 25. If the contents of the pleading are based on a writing, which it appears Plaintiff is alleging that it does, then Plaintiff has failed to attach a copy of the original account agreement and all amendments to any such agreement, or provide a reason why the original agreement is and all amendments to said agreement are not accessible and set forth the substances of the writings (Pa.R.C.P. 1019(i). 26. The problem here is the agreement attached is not specific to the Defendant and is an exemplar copy from 2011 with no specific terms to any account. Furthermore, Plaintiff fails to plead the date the account was opened which therefore questions whether this agreement is the original agreement. 27. This lack of a writing is not sufficient under Pa.R.C.P. 1019(i). 28. As a result, Plaintiff's Complaint contains insufficient specificity as required under Pa. R.C.P 1028(3). WHEREFORE, Defendant respectfully requests that the Court order Plaintiff to file an Amended Complaint with above stated documentations or dismiss this action with prejudice. Respectfully submitted, Robert D. Klingensmith, Esquire PA I.D.# 313960 Harold Shepley & Associates, LLC 209 West Patriot Street Somerset, PA 15501 (814) 444-0500 (814) 444-0600 (fax) rklingensmith@shepleylaw.com Attorney for Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DISCOVER BANK C/O DB SERVICING CORPORATION Plaintiff CIVIL ACTION -LAW v. NO: 14-6162 Civil LEONARD C BEISH Defendant CERTIFICATE OF SERVICE I served this Petition to Enter Appearance, Preliminary Objections, and Brief in Support of Preliminary Objections by U.S. Mail, postage prepaid, at 500 Office Center Drive, Suite 400, Fort Washington, PA 19034 on Jonathan P. Cawley, Esquire, the Attorney for the Plaintiff, Discover Bank on November 24, 2014. I declare under penalty of perjury that this information is true. Date: November 24, 2014 Server's Signature Gretchen Giles — Legal Assistant Name and Title Harold Shepley & Associates, LLC 209 West Patriot St. Somerset, PA 15501 Server's Address IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DISCOVER BANK C/O DB SERVICING CORPORATION Plaintiff CIVIL ACTION -LAW v. NO: 14-6162 Civil LEONARD C BEISH Defendant Order of Court On this day of , upon consideration of defendant(s)' preliminary objections, it is hereby ORDERED that plaintiff(s)' complaint is stricken. Plaintiff(s) is (are) granted days leave to file an amended complaint. If the plaintiff(s) fail(s) to file an amended complaint within days of the date of this order, upon praecipe of defendant(s), the Prothonotary, shall dismiss the case with prejudice. BY THE COURT J. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW DISCOVER BANK Plaintiff vs. LEONARD C BEISH Defendant(s) To the Prothonotary: Civil Action No. 14-6162 CIVIL PRAECIPE TO SUBSTITUTE EXHIBIT Kindly substitute the attached Exhibit B for the Exhibit B attached to Plaintiff's Amended Complaint in the above matter. DATE: December 12, 2014 ZWICKER & ASSOCIATES, P. C Attorneys for Plaintiff A Law Firm Engaged in Debt Collection Jonathan P. Cawley, Esq PA Bar Id No. 79884 500 Office Center Drive, Suite 400 Ft. Washington, PA 19034 877-297-1183 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW DISCOVER BANK Plaintiff vs. LEONARD C BEISH Defendant(s) Civil Action No. 14-6162 CIVIL CERTIFICATE OF SERVICE I, Jonathan P. Cawley, Esq., certify that on December 12, 2014, I served a copy of Plaintiff's Praecipe to Substitute Exhibit, first-class United States mail, postage prepaid, upon the following: Robert D Klingensmith, Esq 209 West Patriot Street Somerset PA 15501 DATE: December 12, 2014 ZWICKER & ASSOCIATES, P. C Attorneys for Plaintiff A Law Firm Engaged in Debt Collection Jonathan P. Cawley, Esq PA Bar Id No. 79884 500 Office Center Drive, Suite 400 Ft. Washington, PA 19034 877-297-1183 ACCOUNT SUMMARY Previous Balance $4,191.06 Payments and Credits — $0.00 Purchases + $0.00 Balance Transfers + $0.00 Cash Advances + $0.00 Fees Charged + $0.00 Interest Charged + $0.00 New Balance $4,191.06 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. $4,000 $0 $2,000 $0 w Your FICO® Credit Score on 6/17/14. More at Discover.com Make Check payable to Discover. Please fold on the perforation below, detach and return with your payment. Discover More Card Account number ending in 3039 Open Date: Jul 24, 2014- Close Date: Aug 23, 2014 Card member Since 1988 Page 1 of 4 PAYMENT INFORMATION New Balance Minimum Payment Due * Payment Due Date * Includes past due amount of: $4,191.06 $401.00 September 18, 2014 $317.00 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 29.99% 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 addthonpl charges; usinglhis card and each month yag pay... You will'poy aff balance shown on this statement in about.., And' you will end up paying an estimated total, Only the minimum payment 11 years $4,191 f you would like information about credit counseling services, call 1-800-347-1121. REWARDS Cashback Bonus® Opening Balance New Cashback Bonus This Period Redeemed This Period Cashback Bonus Balance To learn more, log in at Discover.com Anniversary Month May $ 0.00 + $ 0.00 — $ 0.00 $ 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION payment Coupon Please do'not fold, dip or staple Discover,coii ay by Phone -800-347-2683 LEONARD C BEISH 1505 LOUISA LN MECHANICSBURG PA 17050-7281 L. Phone and Internet payments must be received by 5PM ET to be credited as of the same day. Address, e-mail or telephone changed? Note changes on reverse side. 000001986458993810080041910600179980040100 Account number ending in 3039 Minimum Payment Due $401.00 New Balance $4,191.06 Payment Due Date September 18, 2014 Amount enclosed PO BOX 71084 CHARLOTTE NC 28272-1084 LEONARD C BEISH Account number ending in 3039 Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately! Call 1-800-347-2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at: Discover, PO Box 30421, Salt Lake City, UT 84130-0421. You must write to us within 60 days after the error appeared on your statement. You moy call us, but if you do we are not required to investigate any potential errors, and you may have to pay the amount in question. The Billing Rights Notice further explains your rights. Please see your Cardmember Agreement or visit https://discover.com/billingrights for a copy of this notice. Payments. You may pay all or part of your Account balance of 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 after 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 use information on your check to make on electronic fund transfer from your account at the financial institution indicated on your check or torocess the payment as a check transaction. If a payment is processed as an electronic fund transfer, the transfer will be for the amount of the check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. The processing of your payment may be delayed if you send cosh, corres- pondence or other items with your payments, 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 ony day will be credited to your Account as of that day. Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197.6103. Please allow 7.10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as on electronic debit. Payments made online or by phone will be credited as of the day of receipt if made by 5 PM Eastern time. You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1-800-347-2683. Automatic payments for the billing period shown on your statement will be deducted on the Payment Due Date shown on that statement, or the next automatic payment date referred to on your statement, unless you request a recurring payment date (e.g., the 15th day of the month) that occurs before your Payment Due Date or Close Date. If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4) digits of the social security number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeing 10 this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account. You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1-800-347-2683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 84130-0421; however, we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be. CHANGE OF ADDRESS Open Dote: Jul 24, 2014 - Close Dote: Aug 23, 2014 Page 2 of 4 You must ensure that sufficient funds are avoiloble in your bank account, and all transactions must comply with U.S. law. You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) Other dollar amount. If your scheduled "Other dollar amount'' payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. If your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the billing statement based on credits or payments after the Close Date. If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records. Amount: 0 Full Pay 0 Min Pay 0 Min Pay+ $ 0 Other Amount$ ; Bank Routing #: Bonk Account # Monthly on the LI Payment Due Date 0 Close Date 0 Day of month (insert date) Credit Reporting. We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at this address: Discover, PO Box 15316, Wilmington, DE 19850-5316. Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will not charge you any interest on Purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Date or the first doy of the billing period in which the transadion posted to your Account. How We Calculate Interest Charges. We Use the Daily Balance Method (including current transactions) to calculate the Bolonce Subject to Interest Rate. For more information, please call us at 1-800-347-2683. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rafe. It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the doily balances during the billing period. Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of $1.00 or more after 6 months, or as otherwise required by applicable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Balance Transfers. Balance Transfers are offered at our discretion and accrue interest at the standard purchase 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 Address City State, Zip Home Phone Work Phone Email To make changes to your address, email or telephone number, visit Discover.com Continued on next page Discover More Card Account number ending in 3039 Open Date: Jul 24, 2014 - Close Date: Aug 23, 2014 Page 3 of 4 CONTACT US 0 Web Access your account securely al Discover.com Mobile Manage your account anytime, anywhere at m.Discover.com Phone 1 -800 -DISCOVER (1-800-347-2683) TDD 1-800-347-7449 Inquiry Discover PO Box 30943 Salt Lake City UT 84130 Mail Payments Discover PO Box 6103 Carol Stream IL 60197-6103 Transactions Trans. Date Post Date Fees TOTAL FEES FOR THIS PERIOD 0.00 Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 0.00 2014 Totals Year -to -Date TOTAL FEES CHARGED IN 2014 TOTAL INTEREST CHARGED IN 2014 $ 60.00 $ 621.25 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 31 days TYPE OF BALANCE Purchases Cash Advances V=Variable Rate ANNUAL PERCENTAGE RATE (APR) 26.99% 29.99% BALANCE SUBJECT TO INTEREST RATE $0.00 $0.00 INTEREST CHARGE $0.00 $0.00 Information For You For more information about how interest charges are calculated see your Cardmember Agreement or go to www.discover.com/interestcharges FICO® Credit Score Terms The FICO® Credit Score we provide will never impact your credit score. Your FICO® Credit Score is based on data from TransUnion and may be different from other credit scores. This information is intended for and delivered to the Primary cardmembers only that have an available score and is available on the statement for individual accounts and on Discover.com for individual and joint accounts. Discover and other lenders may use different inputs like a FICO® Credit Score, other credit scores and more information in credit decisions. If you prefer not to receive your FICO® Credit Score on your statement, just call us at 1 -800 -DISCOVER (1-800-347-2683). Please give us two biting cycles to process your request. To learn more, visit Discover.com. This benefit may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION ACCOUNT SUMMARY Previous Balance $4,064.90 Payments and Credits — $0.00 Purchases + $0.00 Balance Transfers + $0.00 Cash Advances + $0.00 Fees Charged + S35.00 Interest Charged + $91.16 New Balance $4,191.06 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. S4,000 $0 $2,000 $0 Your FICO° Credit Score on 6/17/14. More at Discover.com Please make check payable to Discover. You are overlimit. Pay the sum of the Minimum Payment Due plus the remaining overlimit amount of $191.06. Make Check payable to Discover. Please fold on the perforation below, detach and return with your payment. Discover More Card Account number ending in 3039 Open Date: Jun 24, 2014- Close Date: Jul 23, 2014 Cardmember Since 1988 Page 1 of 4 PAYMENT INFORMATION New Balance Minimum Payment Due • Payment Due Dote ` Includes post due amount of: $4,191.06 $317.00 August 18, 2014 $210.00 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 29.99% variable. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no additional charges using this card and eoch month ,.you pay... You will' payoff the bolonce shown on this statement in about... And youwill end up paying an estimated total of,.. Only the minimum payment 31 years $17,906 f you would like information about credit counseling services, call 1-800-347-1121. REWARDS Cashback Bonus® Opening Balance New Cashback Bonus This Period Redeemed This Period Cashback Bonus Balance To learn more, log in at Discover.com +$ -$ Anniversary Month May 0.00 0.00 0.00 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Payment Coupon 0 Pay Online O Pay by Phone Please do' not fold, dip or staple. Discover.com 1-800-347-2683 IIIIIII11II111111 111111 111111'IIIII111111 '11'1,11,11111,111 1 LEONARD C BEISH 1505 LOUISA LN MECHANICSBURG PA 17050-7281 v y� Phone and Internet payments must be received by 5PM ET to be credited as of the some day. Address, e-mail or telephone changed? Note changes on reverse side. Account number ending in 3039 Minimum Payment Due $317.00 New Balance $4,191.06 Payment Due Date Amount enclosed August 18, 2014 $ POBOX 71084 CHARLOTTE NC 28272-1084 III,,III,II,II'I1111 II'Illltllllllll,111 11111 1 111111 1111111 0000019864589938100800419106❑0198090031700 LEONARD C BEISH Account number ending in 3039 Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately! Call 1-800-347-2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at: Discover, PO Box 30421, Salt Lake City, UT 84130-0421. You must write to us within 60 days after the error appeared on your statement. You may call us, but if you do we are not required to investigate any potential errors, and you may have to pay the amount in question. The Billing Rights Notice further explains your rights. Please see your Card member Agreement or visit https://discover.com/billingrights for o copy of this notice. Payments. You may pay all or part of your Account balance at 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 after affixing postage. Payments sent without proper postage will be returned to the sender. 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 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, corres- pondence or other items with your payments, 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 as of that day. Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197.6103. Please allow 7.10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as on electronic debit. Payments mode online or by phone will be credited as of the day of receipt if made by 5 PM Eastern time. You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1-800-347-2683. Automatic payments for the billing period shown on your statement will be deducted on the Payment Due Date shown on that statement, or the next automatic payment date referred to on your statement, unless you request a recurring payment date (e.g., the 15th day of the month) that occurs before your Payment Due Date or Close Date. If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4) digits of the social security number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account. You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1-800-347-2683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 84130-0421; however, we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be. CHANGE OF ADDRESS Open Date: Jun 24, 2014 - Close Date: Jul 23, 2014 Page 2 of 4 You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. law. You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) Other dollar amount. If your scheduled "Other dollar amount" payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cordmember Agreement. If your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the billing statement based on credits or payments after the Close Date. If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records. Amount: 0 Full Pay 0 Min Pay 0 Min Pay+ $ 0 Other Amount$ ; Bonk 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 address: Discover, PO Box 15316, Wilmington, DE 19850-5316. Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will not charge you any interest on Purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Date or the first day of the billing period in which the transaction posted to your Account. How We Calculate Interest Charges. We Use the Daily Balance Method (including current transactions) to calculate the Balance Subject to Interest Rate. For more information, please call us at 1-800-347-2683. Balance SubjecttoInterest Rate. Your statement shows a Balance Subject to Interest Rafe. It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of $1.00 or more after 6 months, or as otherwise required by applicable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Balance Transfers. Balance Transfers are offered at our discretion and accrue interest at the standard purchase rate 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 Address City State, Zip Home Phone Work Phone Email To make changes to your address, email or telephone number, visit Discover.com Continued on next page Discover More Card Account number ending in 3039 Open Date: Jun 24, 2014 - Close Date: Jul 23, 2014 Page 3 of 4 CONTACT US © Web Access your account securely at Discover.com Mobile Manage your account anytime, anywhere at m.Discover.com Phone 1 -800 -DISCOVER (1-800-347-2683) TDD 1-800-347-7449 Inquiry Discover PO Box 30943 Salt Lake City UT 84130 Moil Payments Discover PO Box 6103 Carol Stream IL 60197-6103 Transactions Trans. Date Post Date Fees Jul 18 Jul 18 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 $ 91.16 0.00 0.00 91.16 2014 Totals Year -to -Date TOTAL FEES CHARGED, IN 2014 TOTAL INTEREST CHARGED IN 2014 $ 60.00 $ 621.25 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 26.99% $4,108.79 $91.16 Cash Advances 29.99% $0.00 $0.00 V=Variable Rate Information For You For more information about how interest charges are calculated see your Cardmember Agreement or go to www.discover.com/interestcharges FICO® Credit Score Terms The FICO® Credit Score we provide will never impact your credit score. Your FICO® Credit Score is based on data from TronsUnion and may be different from other credit scores. This information is intended for and delivered to the Primary cardmembers only that have an available score and is available on the statement for individuol accounts and on Discover.com for individuol and joint accounts. Discover and other lenders may use different inputs like a FICO® Credit Score, other credit scores and more information in credit decisions. If you prefer not to receive your FICO® Credit Score on your statement, just cat us 011 -800 -DISCOVER (1-800-347-2683). Please give us two billing cycles to process your request. To learn more, visit Discover.com. This benefit may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries. Cash, Cashier's Check, and Money Order Payments Toward Your Discover Account Discontinued at Sears® Effective July 1, 2014, Discover cardmembers will no longer be able to make payments to their Discover account with cosh, cashier's checks or money orders at Sears locations. Cardmembers may still make payments towards their Discover account via personal check at Sears locations, online at www.discover.com, by moiling us o personal check, cashier's check or money order, calling us at 1 -800 -DISCOVER (1-800-347-2683), or by sending us a cash payment from any Western Union location. Please note, additional fees may be charged by Western Union or the business issuing your money order or cashier's check. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION ACCOUNT SUMMARY Previous Balance $3,948.38 Payments and Credits — $0.00 Purchases + $0.00 Balance Transfers + $0.00 Cash Advances + $0.00 Fees Charged + $25.00 Interest Charged + $91.52 New Balance $4,064.90 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. $4,000 $0 $2,000 $0 Your FICO® Credit Score on 6/17/14. More ai Discover.com Thank you for your continued enrollment in DirectPay automatic payments. Your next automatic payment of $210.00 will be on June 30, 2014. See "Information For You" section for additional details. Please make check payable to Discover. You are overlimit. Pay the sum of the Minimum Payment Due plus the remaining overlimit amount of $64.90. Make Check payable to Discover. Please fold on the perforation below, detach and return with your payment. Discover More Card Account number ending in 3039 Open Date: May 24, 2014- Close Date: Jun 23, 2014 Card member Since 1988 Page 1 of 4 PAYMENT INFORMATION New Balance Minimum Payment Due * Payment Due Date * Includes past due amount of: $4,064.90 $210.00 July 18, 2014 $103.00 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 29.99% 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 cfwrges using..this card and each month ylfs?y . i`(ou wi11 pay balance, showh on this statement In about .. And you will end up paying inn estimated total =` of Only the minimum payment 31 years $17,629 If you would like information about credit counseling services, call 1-800-347-1121. REWARDS Cashback Bonus® Opening Balance New Cashback Bonus This Period Redeemed This Period Cashback Bonus Balance To learn more, log in at Discover.com Anniversary Month May $ 0.00 + $ 0.00 — $ 0.00 $ 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION elnt Cbupon Pease do"not fold, clip or staple Pay Online Discover.com; 11111111111111111111111111111,111illilli11111111i i111i1 l' 111111 LEONARD C BEISH 1505 LOUISA LN MECHANICSBURG PA 17050-7281 L. ay by Phone '. 1;800 347=2683 Phone and Internet payments must be received by 5PM ET to be credited as of the same day. Address, e-mail or telephone changed? Note changes on reverse side. 000001986458993810080040649000085210021000 Account number ending in 3039 Minimum Payment Due $210.00 New Balance $4,064.90 Payment Due Date July 18, 2014 Amount enclosed $ PO BOX 71084 CHARLOTTE NC 28272-1084 I I1 1 1 1 1 1 1 1 Id 11I I III I111 " 1' 11111 11 I 1 111111 1111 111111111 LEONARD C BEISH Account number ending in 3039 Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately! Call 1-800-347-2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at: Discover, PO Box 30421, Salt Loke City, UT 84130-0421. You must write to us within 60 days after the error appeared on your statement. You may 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. The Billing Rights Notice further explains your rights. Please see your Cardmember Agreement or visit https://discover.com/billingrights for o copy of this notice. Payments. You may pay all or port of your Account bolance at any time. However, you must pay at least the Minimum Payment Due by the Payment Due Dote. Send only your payment and the bottom portion of this statement in the envelope provided after 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 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 transoction. If payment is processed as an electronic fund transfer, the transfer will be for the amount of the check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the some day we receive your payment, and you will not receive your check back from your financial institution. The processing of your payment may be delayed if you send cash, corres- pondence or other items with your payments, if you send the payment to any other address, or if you use on envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day. Payments received of our processing facility after 5PM local lime will be credited to your Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197.6103. Please allow 7.10 days for delivery. If your payment 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 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 dote (e.g., the 151h day of the month) that occurs before your Payment Due Date or Close Date. If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4) digits of the social security number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account. You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1-800-347-2683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 84130-0421; however, we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be mode and how much it will be. CHANGE OF ADDRESS Open Date: May 24, 2014 - Close Date: Jun 23, 2014 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 Poyment Due, (iii) statement Minimum Payment Due plus o fixed dollar amount, or (iv) Other dollar omount. If your scheduled 'Other dollor amount" payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. If your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the billing statement based on credits or payments after the Close Date. If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records. Amount: 0 Full Poy 0Min Pay 0Min Poy+ $ , 0 Other Amount$ ; Bank Routing #: Bonk Account # Monthly on the 0 Payment Due Date 0 Close Dote 0 Day of month (insert date) Credit Reporting. We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at this address: Discover, PO Box 15316, Wilmington, DE 19850-5316.PIease include your name, address, home telephone number and Account number. Paying Interest. Your due dote is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will not charge you any interest on Purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Date or the first day of the billing period in which the transaction posted to your Account. How We Calculate Interest Charges. We Use the Doily Balance Method (including current transactions) to calculate the Balance Subject to Interest Rote. For more information, please call us at 1-800-347-2683. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Bolance Subject to Interest Rate is the overage of the daily balances during the billing period. Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of $1.00 or more after 6 months, or as otherwise required by applicable law, or upon request mode to the address in the Contact Us section on page 3 of your billing statement. Balance Transfers. Balance Transfers are offered at our discretion and accrue interest at the standard purchase rate unless we tell you otherwise. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® cord is issued by Discover Bonk, Member FDIC. TL23N If correct on front, do not use. Please print clearly in blue or black ink, in the spoce provided. Street Address City State, Zip Home Phone Work Phone Email To make changes to your address, email or telephone number, visit Discover.com Continued on next page Discover More Card Account number ending in 3039 Open Date: May 24, 2014 - Close Date: Jun 23, 2014 Page 3 of 4 CONTACT US O Web Access your account securely at Discover.com Mobile Manage your account anytime, anywhere at m.Discover.com Phone 1 -800 -DISCOVER (1-800-347-2683) TDD 1-800-347-7449 Inquiry Discover PO Box 30943 Salt Lake City UT 84130 Mail Payments Discover PO Box 6103 Carol Stream IL 60197-6103 Transactions Payments and Credits Trans. Date May 30 Post Date May 30 Jun 4 May 30 DIRECTPAY MINIMUM PAYMENT SEE DETAILS OF YOUR NEXT DIRECTPAY BELOW ACH PAYMENT ADJUSTMENT -103.00 103.00 Fees Jun 18 Jun 18 LATE FEE TOTAL FEES FOR THIS PERIOD $ 25.00 25.00 Interest Charged INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD 91.52 0.00 0.00 91.52 2014 Totals Year -to -Date TOTAL FEES CHARGED IN 2014 TOTAL INTEREST CHARGED IN 2014 $ 25.00 $ 530.09 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 31 days ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchases 26.99% $3,992.49 $91.52 Cash Advances 29.99% $0.00 $0.00 V=Variable Rate Information For You For more information about how interest charges are calculated see your Cardmember Agreement or go 10 www.discover.com/interesicharges Your next automatic minimum payment of $210.00 will be on June 30, 2014. 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. FICO® Credit Score Terms The FICO® Credit Score we provide will never impact your credit score. Your FICO® Credit Score is based on data from TransUnion and may be different from other credit scores. This information is intended for and delivered to the Primary cardmembers only that have an available score and is available on the statement for individual accounts and on Discover.com for individualand joint accounts. Discover and other lenders may use different inputs like a FICO® Credit Score, other credit scores and more information in credit decisions. If you prefer not to receive your FICO® Credit Score on your statement, just call us at 1 -800 -DISCOVER (1-800-347-2683). Please give us two billing cycles to process your request. To learn more, visit Discover.com. This benefit may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION LEONARD C BEISH Account number ending in 3039 Open Date: May 24, 2014 - Close Dale: Jun 23, 2014 Page 4 of 4 Information For You ... Continued Cash, Cashier's Check, and Money Order Payments Toward Your Discover Account Discontinued at Sears® Effective July 1, 2014, Discover cardmembers will no longer be able lo make payments to their Discover account with cash, cashier's checks or money orders ai Sears locations. Cardmembers may still make payments towards their Discover account via personal check at Sears locations, online at www.discover.com, by mailing us a personal check, cashier's check or money order, calling us at 1 -800 -DISCOVER (1-800-347-2683), or by sending us a cash payment from any Western Union location. Please note, additional fees may be charged by Western Union or the business issuing your money order or cashier's check. ACCOUNT SUMMARY Previous Balance $3,967.31 Payments and Credits — $106.00 Purchases + $0.00 Balance Transfers + $0.00 Cash Advances + $0.00 Fees Charged + $0.00 Interest Charged + $87.07 New Balance $3,948.38 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. $4,000 $51 $2,000 $51 1IM Your FICO® Credit Score on 5/18/14. More at Discover.com/FICO Thank you for your continued enrollment in DirectPay automatic payments. Your next automatic payment of $103.00 will be on May 31, 2014. See "Information For You" section for additional details. Please make check payable to Discover. You are nearing your credit line; call today to apply for a line increase. Phone and Internet payments must be made by 5:OOpm ET for same day posting. Make Check payable to Discover. Please fold on the perforation below, detach and return with your payment. Discover More Card Account number ending in 3039 Open Dale: Apr 24, 2014- Close Date: May 23, 2014 Card member Since 1988 Page 1 of 4 PAYMENT INFORMATION New Balance Minimum Payment Due Payment Due Date $3,948.38 $103.00 June 18, 2014 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 io the Penalty APR of 29.99% variable. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and ii will lake you longer to pay off your balance. For example: Only the minimum payment •You will pay off the balance,shown or thi statement it about 31 years Arid-..youwtll end,u. }nng an estfni $161 3 years $17,527 $5,802 (Savings= $11,725) f you would like information about credit counseling services, call 1-800-347-1121. REWARDS Cashback Bonus® Opening Balance New Cashback Bonus This Period Redeemed This Period Cashback Bonus Balance To learn more, log in at Discover.com +$ —$ $ Anniversary Month May 19.83 0.00 0.00 19.83 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Il111111111111"111'111111 1111 1111 111111111111 l 11 111111 11 LEONARD C BEISH 1505 LOUISA LN MECHANICSBURG PA 17050-7281 Phone and Internet payments must be received by 5PM ET to be credited as of the same day. Address, e-mail or telephone changed? Note changes on reverse side. Account number ending in 3039 Minimum Payment Due $103.00 New Balance $3,948.38 Payment Due Date June 18, 2014 Amount enclosed PO BOX 71084 CHARLOTTE NC 28272-1084 1111,11111111,11111, 111 11111 1111111111 111111,111 1, 1111111'lll111 000001986458993810080039483800085300010300 LEONARD C BEISH Account number ending in 3039 Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately! Call 1-800-347-2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at: Discover, PO Box 30421, Salt Lake City, UT 84130-0421. You must write to us within 60 days after the error appeared on your statement. You may call us, but if you do we are not required to investigate any potential errors, and you may have io pay the amount in question. The Billing Rights Notice further explains your rights. Please see your Cord member Agreement or visit hffps://discover.com/billingrights for a copy of this notice. Payments. You may pay all or part of your Account balance at any time. However, you must pay at least the Minimum Payment Due by the Payment Due Date. Send only your payment and the bottom portion of this statement in the envelope provided after affixing postage. Poyments sent without proper postage will be returned 10 the sender. Do not send cash. If you pay by check, you authorize us lo use information on your check to make on eledronic fund transfer from your account at the finonciol institution indicated on your check or to process the payment as a check transaction. If a payment is processed as an electronic fund tronsfer, 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 wilt not receive your check back from your financial 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 lo any other address, or if you use an envelope other thon 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. 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 io Discover, PO Box 6103, Carol Stream, IL 60197.6103. Please allow 7.10 days for delivery. If your payment is returned unpaid, we reserve fhe right io resubmit it as an electronic debit. Payments mode online or by phone will be credited as of the doy of receipt if mode by 5 PM Eastern 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 can setup automatic payments through a customer service representative by calling 1-800-347-2683. Automatic payments for the billing period shown on your statement will be deducted on the Payment Due Date shown on that statement, or the next automatic payment date referred to on your statement, unless you request a recurring payment date (e.g., the 15' day of the month) that occurs before your Payment Due Date or Close Date. If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4) digits of the social security number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank occount. You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1-800-347-2683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 84130-0421; however, we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be mode and how much it will be. CHANGE OF ADDRESS Open Date: Apr 24, 2014 - Close Date: May 23, 2014 Page 2 of 4 You must ensure that sufficient funds ore available in your bank account, and all transactions must comply with U.S. low. You con set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus o fixed dollar amount, or (iv) Other dollar amount. If your scheduled "Other dollar amount" payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. If your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the billing statement bused 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 Poy OMin Pay Il Min Pay+ $ 0 Other Amount$ ; Bank Routing #: , Bonk Account # Monthly on the 0 Payment Due Date 0 Close Date 0 Day of month (insert date) Credit Reporting. We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at this address: Discover, PO Box 15316, Wilmington, DE 19850-5316.Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is of least 25 days after the close of each billing period (at leost 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 fhe Transaction Dote or the first day of the billing period in which the transaction posted to your Account. How We Calculate Interest Charges. We Use the Daily Balance Method (including current transactions) to calculate the Balance Subject to Interest Rate. For more information, please call us at 1-800-347-2683. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rafe. It shows this for each transaction category. The Balance Subject to Interest Rate is the overage of the daily balances during the billing period. Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of $1.00 or more after 6 months, or as otherwise required by applicable law, or upon request mode to the address in the Contact Us section on page 3 of your billing statement. Balance Transfers. Balance Transfers are offered at our discretion and accrue interest 01 the standard purchase rate 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 Address City State, Zip Home Phone Work Phone Email To make changes to your address, email or telephone number, visit Discover.com Continued on next page Discover More Card Account number ending in 3039 Open Date: Apr 24, 2014 - Close Date: May 23, 2014 Page 3 of 4 CONTACT US 9 Web Access your account securely at Discover.com Mobile Manage your account anytime, anywhere at m.Discover.com Phone 1 -800 -DISCOVER (1-800-347-2683) TDD 1-800-347-7449 Inquiry Discover PO Box 30943 Salt Lake City UT 84130 Mail Payments Discover PO Box 6103 Carol Stream IL 60197-6103 Transactions Payments and Credits Trans. Date Apr 30 Post Date Apr 30 DIRECTPAY MINIMUM PAYMENT SEE DETAILS OF YOUR NEXT DIRECTPAY BELOW -106.00 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 87.07 0.00 0.00 87.07 2014 Totals Year -to -Date TOTAL FEES CHARGED IN 2014 TOTAL INTEREST CHARGED IN 2014 $ 0.00 $ 438.57 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 30 days TYPE OF BALANCE Purchases Cash Advances V=Variable Rate ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO (APR) INTEREST RATE 26.99% $3,924.62 29.99% $0.00 INTEREST CHARGE $87.07 $0.00 Information For You For more information about how interest charges are calculated see your Cardmember Agreement or go to www.discover.com/interestcharges Your next automatic minimum payment of $103.00 will be on May 31, 2014. 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 DirectPay amount. Your FICO® Credit Score is based on data from TransUnion and may be different from other credit scores. Discover and other lenders may use different inputs like a FICO® Credit Score, other credit scores and more information in credit decisions. If you prefer not to receive your FICO® Credit Score on your statement, just call us at 1-800-347-3085. Please give us two billing cycles to process your request. To learn more, visit Discover.com/FICO. Your FICO® score is provided for your own non-commercial personal review, use and benefit. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION ACCOUNT SUMMARY Previous Balance $3,949.01 Payments and Credits — $97.00 Purchases + 625.00 Bolonce Tronsfers + $0.00 Cash Advances + $0.00 Fees Charged + $0.00 Interest Charged + $90.30 New Balance 63,967.31 See Interest Charge Calculation section following the Transactions section for detailed APR information Credit Line Credit Line Available Cosh Advance Credit Line Cosh Advance Credit Line Available You may be oble to avoid interest on Purchases. See reverse for details. S4,000 $32 $2,000 $32 Your FICO® Credit Score on 4/17/14. More at Discover.com/FICO Thank you for your continued enrollment in DirectPay automatic payments. Your next automatic payment of 5106.00 will be on April 30, 2014. See "Information For You" section for additional detoils. Pleose make check payable to Discover. You are nearing your credit line; call today to apply for a line increase. Phone and Internet payments must be mode by 5:OOpm ET for some day posting. Make Check payable to Discover. Please fold on the perforation below, detach and return with your payment. Discover More Card Account number ending in 3039 Open Date: Mar 24, 2014. Close Date: Apr 23, 2014 Cord member Since 1988 Page 1 of 4 PAYMENT INFORMATION New Balance Minimum Payment Due Payment Due Dote $3,967.31 $106.00 May 18, 2014 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay o late fee of up to $35.00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 29.99% variable. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and 11 will fake you longer to pay off your balance. For exomple: If you make na addlttonal the s using this cordand eoc i month ¥o WIII (Jaj O{f tli8 „X^ balance shown onthis statement i abotit.i Artd You Wil end up paying an estimated soul ;of., ', t it Only the minimum payment 31 years $17,659 $162 3 years $5,830 (Savings= $11,829) f you would like information about credit counseling services, call 1-800-347-1121. REWARDS Cashback Bonus® Opening Balance New Coshbock Bonus This Period Everywhere Else Redeemed This Period Cashback Bonus Balance To learn more, log in at Discover.com Anniversary Month May $ 19.77 0.06 0.00 19.83 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION 'I"IIIIII'I1IIII111111 II II IIIIII'I III II I'll1llllllll"1'111 LEONARD C BEISH 1505 LOUISA LN MECHANICSBURG PA 17050-7281 Phone and Internet payments muss be received by SPM ET to be credited as of the some day. • Address, e-mail or telephone changed? Note changes on reverse side. 000001986458993810080039673100400000010600 Account number ending in 3039 Minimum Payment Due $106.00 New Bolonce 63,967.31 Payment Due Date May 18, 2014 Amount enclosed PO BOX 71084 CHARLOTTE NC 28272-1084 IIIIIliII 11 11 II11111 II'I'l111111111 1111 111111 IdIII LEONARD C BEISH Account number ending in 3039 Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately! Call 1-800-347-2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at: Discover, PO Box 30421, Salt Lake City, UT 84130-0421. You must write to us within 60 days after the error appeared on your statement. You may call us, but if you do we are not required to investigate any potential errors, and you may have to pay the amount in question. The Billing Rights Notice further explains your rights. Please see your Cord member Agreement or visit https://discover.com/billingrights for a copy of this notice. Payments. You may pay all or part of your Account bolance 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 after 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 io use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or io process the payment as a check transaction. If a payment is processed as an electronic fund transfer, the transfer will be for the amount of the check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you wilt not receive your check back from your financial institution. The processing of your payment may be delayed if you send cash, corres- pondence or other items with your payments, 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 ony day will be credited to your Account as of that day. Payments received at our processing facility after 5PM local time will be credited to your Account os of the next day. If you have misplaced your envelope, send your payment io Discover, PO Box 6103, Carol Stream, IL 60197.6103. Please allow 7.10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. Payments made online or by phone will be credited as of the day of receipt if made by 5 PM Eastern time. You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1-800-347-2683. Automatic payments for the billing period shown on your statement will be deducted on the Payment Due Date shown on that statement, or the next automatic payment date referred to on your statement, unless you request a recurring payment date (e.g., the 15th day of the month) that occurs before your Payment Due Date or Close Date. If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4) digits of the social security number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account. You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1-800-347-2683 or by mail at Discover, PO Box 30421, Salt 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: Mar 24, 2014 - Close Date: Apr 23, 2014 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, (11) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) Other dollar amount. If your scheduled "Other dollar amount' payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased io cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. If your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the billing statement based on credits or payments after the Close Date. If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records. Amount: E Full Pay 0 Min Pay 0 Min Pay+ $ 0 Other Amount$ ; Bank Routing #: Bank Account # • Monthly on the E 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 address: Discover, PO Box 15316, Wilmington, DE 19850-5316. Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will not charge you any interest on Purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cosh Advances and Balance Transfers as of the later of the Transaction Date or the first day of the billing period in which the transaction posted to your Account. How We Calculate Interest Charges. We Use the Daily Balance Method (including current transactions) to calculate the Balance Subject to Interest Rate. For more information, please call us at 1-800-347-2683. Balance SubjecttoInterest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of $1.00 or more after 6 months, or as otherwise required by applicable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Balance Transfers. Balance Transfers are offered at our discretion and accrue interest at the standard purchase rate unless we tell you otherwise. 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 State, Zip Home Phone Work Phone Email To make changes to your address, email or telephone number, visit Discover.com Continued on next page Discover More Card Account number ending in 3039 Open Date: Mar 24, 2014 - Close Dote: Apr 23, 2014 Page 3 of 4 CONTACT US 0 Web Access your account securely at Discover.com Mobile Manage your account anytime, anywhere at m.Discover.com Phone 1 -800 -DISCOVER (1-800-347-2683) TDD 1-800-347-7449 Inquiry Discover PO Box 30943 Salt Lake City UT 84130 Mail Payments Discover PO Box 6103 Carol Stream IL 60197-6103 Transactions Payments and Credits Trans. Date Mar 31 Post Date Mar 31 DIRECTPAY MINIMUM PAYMENT SEE DETAILS OF YOUR NEXT DIRECTPAY BELOW $ -97.00 Travel/Entertainment Mar 28 Mar 28 CARNIVAL CRUISE LINES MIAMI FL $ 25.00 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 90.30 0.00 0.00 90.30 2014 Totals Year -to -Date TOTAL FEES CHARGED IN 2014 TOTAL INTEREST CHARGED IN 2014 $ 0.00 $ 351.50 Interest Charge Calculation Your Annual Percentage Rote (APR) is the annual interest rate on your account. Current Billing Period: 31 days ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchases 26.99% $3,939.37 $90.30 Cash Advances 29.99% $0.00 $0.00 V=Variable Rate Information For You For more information about how interest charges are calculated see your Cardmember Agreement or go to www.discover.com/interestcharges Your next automatic minimum payment of $106.00 will be on April 30, 2014. 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 refiected on this statement may lower your minimum payment due and thus the scheduled DirectPay amount. Your FICO® Credit Score is based on data from TransUnion and may be different from other credit scores. Discover and other lenders may use different inputs like o FICO® Credit Score, other credit scores and more information in credit decisions. If you prefer not to receive your FICO® Credit Score on your statement, just call us 011-800-347-3085. Please give us two billing cycles to process your request. To learn more, visit Discover.com/FICO. Your FICO® score is provided for your own non-commercial personal review, use and benefit. FICO is a registered trodemark of the Fair Isaac Corporation in the United States and other countries. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION ACCOUNT SUMMARY Previous Balance $3,973.79 Payments and Credits — $106.00 Purchases + $0.00 Balance Transfers + $0.00 Cash Advances + $0.00 Fees Charged + $0.00 Interest Charged + S81.22 New Balance $3,949.01 See Interest Charge Calculation section following the Transactions section for detailed APR information Credit Line $4,000 Credit Line Available $50 Cash Advance Credit Line Cash Advance Credit Line Available You may be able to avoid interest on Purchases. See reverse for details. $2,000 $50 rw Your FICO® Credit Score on 3/17/14. More at Discover.com/FICO Thank you for your continued enrollment in DirectPay automatic payments. Your next automatic payment of $97.00 will be on March 31, 2014. See "Information For You" section for additional details. Please make check payable to Discover. You are nearing your credit line; call today to apply for a line increase. Phone and internet payments must be made by 5:OOpm ET for same day posting. Make Check payable to Discover. Please fold on the perforation below, detach and return with your payment. Discover More Card Account number ending in 3039 Open Dale: Feb 24, 2014- Close Date: Mar 23, 2014 Card member Since 1988 Page 1 of 4 PAYMENT INFORMATION New Balance Minimum Payment Due Payment Due Date $3,949.01 $ 97.00 April 18, 2014 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 29.99% 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: tf you make no oddittonal chdre9es ,iMng this card orad each'month�s you pc r You will _pd flee -- `iiakince showwn ort is ;statement in about And you will end up paying on estimdted total St ..::. Only the minimum payment 31 years $17,533 $161 3 years $5,803 (Savings= $11,730) f you would like information about credit counseling services, call 1-800-347-1121. REWARDS Cashback Bonus® Opening Balance New Cashback Bonus This Period Redeemed This Period Cashback Bonus Balance To learn more, log in at Discover.com +$ -$ Anniversary Month May 19.77 0.00 0.00 19.77 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION vereo 00-347.368 1111"11'1'1111"'111111' 111 111111 1 1 1 1'111'111111111 LEONARD C BEISH 1505 LOUISA LN MECHANICSBURG PA 17050-7281 Y Phone and Internet payments must be received by 5PM ET to be credited as of the same day. Address, e-mail or telephone changed? Note changes on reverse side. Account number ending in 3039 Minimum Payment Due $97.00 New Balance $ 3,949.01 Payment Due Date Amount enclosed April 18, 2014 PO BOX 71084 CHARLOTTE NC 28272-1084 III Ii1111[1111111 "1'1111"1111'111'1"1111'11111111111111111111 000001986458993810080039490100177170009700 LEONARD C BEISH Account number ending in 3039 Important Information See your CardmemberAgreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately! Call 1-800-347-2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at: Discover, PO Box 30421, Salt Lake City, UT 84130-0421. You must write to us within 60 days after the error appeared on your statement. You may call us, but if you do we are not required to investigate any potential errors, and you may have to pay the amount in question. The Billing Rights Notice further explains your rights. Please see your Cardmember Agreement or visit https://discover.com/billingrights for a copy of this notice. Payments. You may pay all or part of your Account balance at any time. However, you must pay at least the Minimum Payment Due by the Payment Due Date. Send only your payment and the bottom portion of this statement in the envelope provided after 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 use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. If a payment is processed as an electronic fund transfer, the transfer will be for the amount of the check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you wilf not receive your check back from your financial institution. The processing of your payment may be delayed if you send cash, corres- pondence or other items with your payments, 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 01 our processing facility by 5PM local time on any day will be credited to your Account as of that day. Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197.6103. Please allow 7.10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. Payments made online or by phone will be credited as of the day of receipt if made by 5 PM Eastern time. You 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 15th day of the month) that occurs before your Payment Due Date or Close Date. If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4) digits of the social security number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account. You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1-800-347-2683 or by mail at Discover, PO Box 30421, Salt 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: Feb 24, 2014 - Close Date: Mar 23, 2014 Page 2 of 4 You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. law. You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) Other dollar amount. If your scheduled "Other dollar amount" payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. If your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the billing statement based on credits or payments after the Close Date. If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records. Amount: D Full Pay 0 Min Pay [Min Pay+ $ , 0 Other Amount$ ; 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 address: Discover, PO Box 15316, Wilmington, DE 19850-5316.PIease 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 yov pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Date or the first day of the billing period in which the transaction posted to your Account. How We Calculate Interest Charges. We Use the Daily Balance Method (including current transactions) to calculate the Balance Subject to Interest Rate. For more information, please call us at 1-800-347-2683. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rafe. It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the biting period. Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of $1.00 or more after 6 months, or as otherwise required by applicable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Balance Transfers. Balance Transfers are offered at our discretion and accrue interest at the standard purchase rate 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 Address City State, Zip Home Phone Work Phone Email To make changes to your address, email or telephone number, visit Discover.com Continued on next page Discover More Card Account number ending in 3039 Open Date: Feb 24, 2014 - Close Date: Mar 23, 2014 Page 3 of 4 CONTACT US 0 Web Access your account securely at Discover.com Mobile Manage your account anytime, anywhere at m.Discover.com Phone 1 -800 -DISCOVER (1-800-347-2683) TDD 1-800-347-7449 Inquiry Discover PO Box 30943 Salt Lake City UT 84130 Mail Payments Discover PO Box 6103 Carol Stream IL 60197-6103 Transactions Payments and Credits Trans. Date Feb 28 Post Date Feb 28 DIRECTPAY MINIMUM PAYMENT SEE DETAILS OF YOUR NEXT DIRECTPAY BELOW -106.00 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 81.22 0.00 0.00 81.22 2014 Totals Year -to -Date TOTAL FEES CHARGED IN 2014 TOTAL INTEREST CHARGED IN 2014 $ 0.00 $ 261.20 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 28 days ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchases 26.99% $3,922.08 $81.22 Cash Advances 29.99% $0.00 $0.00 V=Variable Rate Information For You Your Billing Rights: Keep This Document For Future Use This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. What To Do If You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at: Discover PO Box 30421 Salt Lake City, UT 84130-0421 In your letter, give us the following information: • Account information: Your name and account number. • Dollar amount: The dollar amount of the suspected error. • Date: The date of the suspected error. • Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us: • Within 60 days after the error appeared on your statement. • At least 3 business days before an automated payment is scheduled if you want to stop payment on the amount you think is wrong. You must notify us of any potential errors in writing. You may call us, but if you do we are not necessarily required to investigate any potential errors and you may have to pay the amount in question. What Will Happen After We Receive Your Letter NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION LEONARD C BEISH Account number ending in 3039 Information For You ... Continued Open Date: Feb 24, 2014 - Close Date: Mor 23, 2014 Poge 4 of 4 When we receive your letter, we must do two things: 1. Within 30 days of receiving your letter, we must tell you in writing that we received your letter. We will also tell you if we have already corrected the error. 2. Within 90 days of receiving your letter, we must either correct the error and notify you in writing of the correction or explain to you in writing 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 and related interest in question or report you as delinquent on that amount. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. • While you do not have to pay the amount in question, you ore responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit. After we finish our investigation, one of two things will happen: • Ifwe made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. • If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe. If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you in writing the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the rules above, you do not have to pay the first S50 of the amount you question even if your bill is correct. Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services, or if the company that sold you the goods or services owns us.) 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. 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. For more information obout how interest charges are calculated see your Cardmember Agreement or go to www.discover.com/interestcharges Your next automatic minimum payment of $97.00 will be on March 31, 2014. 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 DirectPoy amount. Your FICO® Credit Score is based on data from TransUnion and may be different from other credit scores. Discover and other lenders may use different inputs like a FICO® Credit Score, other credit scores and more information in credit decisions. If you prefer not to receive your FICO® Credit Score on your statement, just call us at 1-800-347-3085. Please give us two billing cycles to process your request. To learn more, visit Discover.com/FICO. Your FICO® score is provided for your own non-commercial personal review, use and benefit. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries. ACCOUNT SUMMARY Previous Bolonce $3,938.56 Payments and Credits — $105.00 Purchases + 550.00 Balance Transfers + $0.00 Cash Advances + $0.00 Fees Charged + $0.00 Interest Charged + 590.23 New Balance $3,973.79 See Interest Charge Calculation section following the Transections section for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cosh Advance Credit Line Available You may be able to avoid interest on Purchases. See reverse for details. $4,000 $26 52,000 $26 Your FICO® Credit Score on 2/17/14. More of Discover.com/FICO Thank you for your continued enrollment in DirectPay automatic payments. Your next automatic payment of $106.00 will be on February 28, 2014. See "Information For You" section for additional details. Please make check payable to Discover. You are nearing your credit line; call today to apply for a line increase. Phone and internet payments must be made by 5:OOpm ET for same day posting. Make Check payable to Discover. Please fold on the perforation below, detach and return with your payment. Discover More Card Account number ending in 3039 Open Dale: Jan 24, 2014- Close Date: Feb 23, 2014 Cordmember Since 1988 Page 1 of 4 PAYMENT INFORMATION New Balance Minimum Payment Due Payment Due Date $3,973,79 5106.00 March 18, 2014 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have io 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 29.99% variable. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no additional charges using this cord and each month you pay.... You will payoff the balance shown on this statement in about... And you will end up paying an estimated total of... Only the minimum payment 31 years $17,700 $162 3 years $5,840 (Sovings= $11,860) f you would like information about credit counseling services, call 1-800-347-1121. REWARDS Cashback Bonus® Opening Balance New Cashback Bonus This Period Everywhere Else Redeemed This Period Cashback Bonus Balance To learn more, log in at Discover.com Anniversary Month May $ 19.65 +5 —$ $ 0.12 0.00 19.77 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Payment Coupon Pay Online Please do not fold, clip or staple: Discover.com Pay by Phone' -800-347-2683 I I I 111111111 111111111 1 111 ili1111111111111 l 1111111111111 11111l LEONARD C BEISH 1505 LOUISA LN MECHANICSBURG PA 17050-7281 Phone and Internet payments must be received by 5PM ET to be credited as of the some day. Address, a -mail or telephone changed? Note changes on reverse side. Account number ending in 3039 Minimum Payment Due $106.00 New Balance 53,973.79 Payment Due Date March 18, 2014 Amount enclosed PO BOX 71084 CHARLOTTE NC 28272-1084 ill 1i lIlllllullllllll 000001986458993810080039737900412820010600 it1 11 1lill11111 1lillll111111llphll LEONARD C BEISH Account number ending in 3039 Important Information See your CardmemberAgreement. Your Card member Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately! Call 1-800-347-2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at: Discover, PO Box 30421, Seli Lake City, UT 84130-0421. You must write to us within 60 days after the error appeared on your statement. You may call us, but if you do we are not required to investigate any potential errors, and you may have to pay the amount in question. The Billing Rights Notice further explains your rights. Please see your Cordmember Agreement or visit https://discover.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 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 after 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 use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. If a payment is processed as an electronic fund transfer, the transfer will be for the amount of the check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. The processing of your payment may be deloyed if you send cash, corres- pondence or other items with your payments, if you send the payment 10 any other address, or if you use an envelope other than the one provided. Payments received in proper form al our processing facility by 5PM local time on any day will be credited to your Account as of that day. Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197.6103. Please allow 7.10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. Payments made online or by phone will be credited as of the day of receipt if made by 5 PM Eastern time. You 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 15th day of the month) that occurs before your Payment Due Date or Close Date. If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4) digits of the social security number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account. You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment. You can cancel a scheduled payment by phone 011-800-347-2683 or by mail of Discover, PO Box 30421, Salt Lake City, UT 84130-0421; however, we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be. CHANGE OF ADDRESS Open Date: Jan 24, 2014 - Close Date: Feb 23, 2014 Page 2 of 4 You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. law. You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) Other dollar amount. If your scheduled "Other dollar amount" payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Card member Agreement. If your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the billing statement based on credits or payments after the Close Date. If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records. Amount: D Full Pay 0 Min Pay ❑ Min Pay+ $ 0 Other Amount$ ; 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 address: Discover, PO Box 15316, Wilmington, DE 19850-5316. Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will not charge you any interest on Purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Date or the first day of the billing period in which the transaction posted to your Account. How We Calculate Interest Charges. We Use the Daily Balance Method (including current transactions) to calculate the Balance Subject to Interest Rate. For more information, please call us at 1-800-347-2683. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest 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, or upon request made 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 purchase rate 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 Address City State, Zip Home Phone Work Phone Email To make changes to your address, email or telephone number, visit Discover.com Continued on next page Discover More Card Account number ending in 3039 Open Dale: Jan 24, 2014 - Close Dote: Feb 23, 2014 Page 3 of 4 CONTACT US O Web Access your account securely at Discover.com Mobile Manage your account anytime, anywhere at m.Discover.com Phone 1 -800 -DISCOVER (1-800-347-2683) TDD 1-800-347-7449 Inquiry Discover PO Box 30943 Salt Lake City UT 84130 Mail Payments Discover PO Box 6103 Carol Stream IL 60197-6103 Transactions Payments and Credits Trans. Date Jan 31 Post Date Jan 31 DIRECTPAY MINIMUM PAYMENT SEE DETAILS OF YOUR NEXT DIRECTPAY BELOW -105.00 Travel/Entertainment Feb 2 Feb 2 CARNIVAL CRUISE LINES MIAMI FL $ 50.00 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 90.23 0.00 0.00 90.23 2014 Totals Year -to -Date TOTAL FEES CHARGED IN 2014 TOTAL INTEREST CHARGED IN 2014 $ 0.00 $ 179.98 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 31 days ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchases 26.99% $3,936.33 $90.23 Cash Advances 29.99% $0.00 $0.00 V=Variable Rate Information For You For more information about how interest charges are calculated see your Cardmember Agreement or go to www.discover.com/interestcharges Your next automatic minimum payment of $106.00 will be on February 28, 2014. 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. Your FICO® Credit Score is based on data from TronsUnion and may be different from other credit scores. Discover and other lenders may use different inputs like a FICO® Credit Score, other credit scores and more information in credit decisions. If you prefer not to receive your FICO® Credit Score on your statement, just call us at 1-800-347-3085. Please give us two billing cycles to process your request. To learn more, visit Discover.com/FICO. Your FICO® score is provided for your own non-commercial personal review, use and benefit. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION ACCOUNT SUMMARY Previous Balance $3,950.81 Payments and Credits — $102.00 Purchases + $0.00 Balance Transfers + $0.00 Cash Advances + $0.00 Fees Charged + $0.00 Interest Charged + $89.75 New Balance $3,938.56 See Interest Charge Calculation section following the Transactions section for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cosh Advance Credit Line Available You may be able to avoid interest on Purchases. See reverse for details. $4,000 $61 $2,000 $61 Contact Us Discover.com 1-800-347-2683 J Please make check payable to Discover. You are nearing your credit line; call today to apply for a line increase. Phone and Internet payments must be made by 5:OOpm ET for same day posting. Make Check payable to Discover. Please fold on the perforation below, detach and return with your payment. Discover More Card Account number ending in 3039 Open Date: Dec 24, 2013- Close Date: Jan 23, 2014 Card member Since 1988 Page 1 of 4 PAYMENT INFORMATION New Balance Minimum Payment Due Payment Due Date $3,938.56 $105.00 February 18, 2014 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 29.99% 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: make no addttion6l. charges` 'this c rd and each mt nih Onlythe minimum payment 31 years $17,454 $161 3 years $5,788 (Savings= $11,666) f you would like information about credit counseling services, call 1-800-347-1121. REWARDS Cashback Bonus® Opening Balance New Cashback Bonus This Period Redeemed This Period Cashback Bonus Balance To learn more, log in at Discover.com +$ -$ Anniversary Month May 19.65 0.00 0.00 19.65 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION 111111 1 l 1 1 111�1��111111111111111111i1111 111111111111 LEONARD C BEISH 1505 LOUISA LN MECHANICSBURG PA 17050-7281 Phone and Internet payments must be received by 5PM ET to be credited as of the same day. Address, e-mail or telephone changed? Note changes on reverse side. Account number ending in 3039 Minimum Payment Due $105.00 New Balance $3,938.56 Payment Due Date Amount enclosed February 18, 2014 $ PO BOX 71084 CHARLOTTE NC 28272-1084 11111 111111'1111111'11111111111, 1111111 11111 1111111111i 1111 000001986458993810080039385600200000010500 LEONARD C BEISH Account number ending in 3039 Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately! Coll 1-800-347-2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is on error on your statement, write to us ot: Discover, PO Box 30421, Salt Lake City, UT 84130-0421. You must write to us within 60 days after the error appeared on your statement. You may call us, but if you do we ore not required to investigate ony 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/billingrig his for a copy of this notice. Payments. You may pay all or part of your Account balance at ony time. However, you must pay at least the Minimum Payment Due by the Payment Due Dote. Send only your payment and the bottom portion ot this statement in the envelope provided after 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 use information on your check to make on electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. If a payment is processed as an electronic fund transfer, the transfer will be for the amount of the check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the some day we receive your payment, and you wilt not receive your check back from your financial institution. The processing of your payment may be delayed if you send cash, corres- pondence or other items with your payments, if you send the payment to any other address, or if you use an envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day. Payments received of our processing facility after 5PM local time will be credited to your Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 601976103. Please allow 7.10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. Payments made online or by phone will be credited as of the day of receipt if made by 5 PM Eastern time. You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1-800-347-2683. Automatic payments for the billing period shown on your statement will be deducted on the Payment Due Date shown on that statement, or the next automatic payment date referred to on your statement, unless you request a recurring payment date (e.g., the 15' day of the month) that occurs before your Payment Due Date or Close Date. If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4) digits of the social security number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account. You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1-800-347-2683 or by moil at Discover, PO Box 30421, Salt Lake City, UT 84130-0421; however, we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be. CHANGE OF ADDRESS Open Date: Dec 24, 2013 - Close Date: Jan 23, 2014 Page 2 of 4 You must ensure that sufficient funds are available in your bonk account, and all transactions must comply with U.S. law. You con set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) Other dollar amount. If your scheduled "Other dollar amount" payment is not enough to cover the Minimum Payment Due os listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Card member Agreement. If your scheduled payment is greater than the New Bolance on your billing stotement, 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 Other Amount$ Bank Account # 0 Min Pay D Min Pay+ $ ; Bank Routing #: Monthly on the 0 Payment Due Date ❑ 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 address: Discover, PO Box 15316,Wilmington, DE 19850-5316.Please include your name, address, home telephone number and Account number. Paying Interest. Your due dote is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will not charge you any interest on Purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Dote or the first day of the billing period in which the transaction posted to your Account. How We Calculate Interest Charges. We Use the Daily Balance Method (including current transactions) to calculate the Bolance Subject to Interest Rote. For more information, please call us at 1-800-347-2683. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. 11 shows this for each transaction category. The Bolonce Subject to Interest Rate is the overage of the daily balances during the billing period. Credit Balances. If your Account hos a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of $1.00 or more offer 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. Balance Transfers. Balance Transfers are offered at our discretion and accrue interest of the standard purchase rate unless we tell you otherwise. Discover may monitor and/or record telephone calls between you and Discover representatives for quality ossurance purposes. The Discover® card is issued by Discover Bank, Member FDIC. TL23N If correct on front, do not use. Please print clearly in blue or block ink, in the space provided. Street Address City State, Zip Home Phone Work Phone Email To make changes to your address, email or telephone number, visit Discover.com Continued on next page Discover More Card Account number ending in 3039 Open Date: Dec 24, 2013 - Close Date: Jan 23, 2014 Page 3 of 4 CONTACT US Q Web Access your account securely at Discover.com TRI Mobile Manage your account anytime, anywhere at m.Discover.com Phone 1 -800 -DISCOVER (1-800-347-2683) TDD 1-800-347-7449 Inquiry Discover PO Box 30943 Salt Lake City UT 84130 Mail Payments Discover PO Box 6103 Carol Stream IL 60197-6103 Transactions Payments and Credits Trans. Date Post Date Dec 31 Dec 31 PHONE PAYMENT - THANK YOU -102.00 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 $ 89.75 0.00 0.00 89.75 2014 Totals Year -to -Date TOTAL FEES CHARGED IN 2014 TOTAL INTEREST CHARGED IN 2014 $ 0.00 $ 89.75 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 31 days TYPE OF BALANCE Purchases Cash Advances V=Variable Rate ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO (APR) INTEREST RATE 26.99% $3,915.30 29.99% $0.00 INTEREST CHARGE $89.75 $0.00 Information For You For more information about how interest charges are calculated see your Cardmember Agreement or go to www.discover.com/interestcharges NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION ACCOUNT SUMMARY Previous Balance $3,802.28 Payments and Credits — 599.00 Purchases + $160.69 Balance Transfers + $0.00 Cash Advances + 50.00 Fees Charged + $0.00 Interest Charged + S86.84 New Balance 53,950.81 See Interest Charge Calculation section following the Transactions section for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available You may be able to ovoid interest on Purchases. See reverse for details. 54,000 $49 52,000 $49 Contact Us Discover.com 1-800-347-2683 Thank you for your continued enrollment in DirectPoy automatic payments. Your next automatic payment of 5102.00 will be on December 31, 2013. See "Information For You" section for additional details. Please make check payable to Discover. You are nearing your credit line; call today to apply for a line increase. Phone and intemet payments must be made by 5:00pm ET for same day posting, Make Check payable to Discover. Please fold on the perforation below, detach and return with your payment. Discover More Card Account number ending in 3039 Open Date: Nov 24, 2013- Close Date: Dec 23, 2013 Cord member Since 1988 Page 1 of 4 PAYMENT INFORMATION New Balance Minimum Payment Due Payment Due Dote $3,950,81 $102.00 January 18, 2014 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may hove to pay a late fee of up to $35.00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 29.99% variable. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no additional charges using this card and each month . you pay.:.. You will payoff the balpnce shown on this statement in about:.. And you will end up paying on estimated total of:.. Only the minimum payment 31 years $17,541 $161 3 years $5,806 (Savings= 511,735) f you would like information about credit counseling services, call 1-800-347-1121. REWARDS Cashback Bonus® Opening Balance New Cashback Bonus This Period Everywhere Else Redeemed This Period Cashback Bonus Balance To learn more, log in at Discover.com Anniversary Month May $ 19.25 0.40 0.00 19.65 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Payment Coupon Pay Online Please.do not fold, clip or staple. W Discover.cori, Pay by Phone 1-800-347-2683 ullllllll111 1ll1l-lllllllllllllllllllil11111,11,i11lll11llllll LEONARD C BEISH 1505 LOUISA LN MECHANICSBURG PA 17050-7281 Phone and Internet payments must be received by 5PM ET to be credited os of the same day. Address, e-mail or telephone changed? Note changes on reverse side. Account number ending in 3039 Minimum Payment Due 5102.00 New Balance $3,950.81 Payment Due Date Amount enclosed January 18, 2014 $ PO BOX 71084 CHARLOTTE NC 28272-1084 II I 1111 l' III l lllIl�ll 11 !Ill 1111 1 111111111111111 1111111111111111 000001986458993810080039508100021180010200 LEONARD C BEISH Account number ending in 3039 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 io us at: Discover, PO Box 30421, Solt 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 ore not required to investigate any potential errors, and you may hove io pay the amount in question. The Billing Rights Notice further explains your rights. Please see your Cardmember Agreement or visit https://discover.com/billingrights for a copy of this notice. Payments. You may pay all or port of your Account balance at any time. However, you must pay at least the Minimum Payment Due by the Payment Due Date. Send only your payment and the bottom portion of this statement in the envelope provided after affixing postage. Payments sena without proper postage will be returned to the sender. Do not send cash. If you poy by check, 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 a payment is processed as an electronic fund transfer, the transfer will be for the amount of the check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the 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, corres- pondence or ocher items with your payments, 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 as of that day. Payments received at our processing facility after 5PM local time will be credited to your Account os of the next day. If you hove misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197.6103. Please allow 7.10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. Payments made online or by phone will be credited as of the day of receipt if mode by 5 PM Eastern time. You con pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1-800-347-2683. Automatic payments for the billing period shown on your 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 holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4) digits of the social security number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account. You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1-800-347-2683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 84130-0421; however, we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be mode and how much it will be. CHANGE OF ADDRESS Open Dote: Nov 24, 2013 - Close Date: Dec 23, 2013 Page 2 of 4 You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. low. You con set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) Other dollar amount. If your scheduled "Other dollar amount" payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cordmember Agreement. If your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the billing statement based on credits or payments after the Close 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 0Min Pay 0Min Pay+ $ 0 Other Amount$ ; Bank Routing #: Bank Account # Monthly on the 0 Payment Due Date 0 Close Date 0 Day of month (insert date) Credit Reporting. We 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 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 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 Februory). We will not charge you any interest on Purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Bolance Transfers as of the later of the Transaction Date or the first day of the billing period in which the transaction posted to your Account. How We Calculate Interest Charges. We Use the Daily Balance Method (including current transactions) to calculate the Balance Subject to Interest Rate. For more information, please call us at 1-800-347-2683. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest 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, or upon request made 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 of the standard purchase 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 Address City Slate, Zip Home Phone Work Phone Email To make changes to your address, email or telephone number, visit Discover.com Continued on next page Discover More Card Account number ending in 3039 Open Date: Nov 24, 2013 - Close Date: Dec 23, 2013 Page 3of4 CONTACT US © Web Access your account securely at Discover.com Mobile Manage your account anytime, anywhere at m.Discover.com Phone 1 -800 -DISCOVER (1-800-347-2683) TDD 1-800-347-7449 Inquiry Discover PO Box 30943 Salt Lake City UT 84130 Mail Payments Discover PO Box 6103 Carol Stream IL 60197-6103 Transactions Payments and Credits Trans. Date Nov 29 Post Date Nov 29 PHONE PAYMENT - THANK YOU -99.00 Travel/Entertainment Nov 20 Dec 3 Nov 24 Dec 3 CARNIVAL CRUISE MDSE MIAMI FL CARNIVAL CRUISE MDSE MIAMI FL $ 134.19 26.50 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 86.84 0.00 0.00 86.84 2013 Totals Year -to -Date TOTAL FEES CHARGED IN 2013 TOTAL INTEREST CHARGED IN 2013 $ -92.77 $ 1,007.90 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 30 days TYPE OF BALANCE Purchases Cash Advances V=Variable Rate ANNUAL PERCENTAGE RATE (APR) 26.99% 29.99% BALANCE SUBJECT TO INTEREST RATE $3,914.43 $0.00 INTEREST CHARGE $86.84 $0.00 Information For You For more information about how interest charges are calculated see your Cardmember Agreement or go to www.discover.com/interestcharges Your next automatic minimum payment of $102.00 will be on December 31, 2013. 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. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION ACCOUNT SUMMARY Previous Balance $3,659.58 Payments and Credits — $96.00 Purchases + $154.93 Balance Transfers + $0.00 Cash Advances + $0.00 Fees Charged + $0.00 Interest Charged + S83.77 New Balance $3,802.28 See Interest Charge Calculation section following the Transactions section for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cosh Advance Credit Line Available You may be able to avoid interest on Purchases. See reverse for details. $4,000 $197 $2,000 $197 Contact Us Discover.com 1-800-347-2683 Thank you for your continued enrollment in DirectPay automatic payments. Your next automatic payment of $99.00 will be on November 30, 2013. See 'Information For You" section for additional details. Make Check payable to Discover. Please fold on the perforation below, detach and return with your payment. Pay ennt Coupon y r fzleasedonoT fold clap s aple Discover More Card Account number ending in 3039 Open Date: Oct 24, 2013- Close Date: Nov 23, 2013 Card member Since 1988 Page 1 of 4 PAYMENT INFORMATION New Balance Minimum Payment Due Payment Due Date $3,802.28 $99.00 December 18, 2013 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up 10 $35.00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 29.99% 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: tlf you makeno additional charges? ustng_ti s card and each month yoo pay .ti�,r ' -- ;s+ 4 You will pay off the tt� balance shown on thisG 'statem` f m about''a a:.°0f.,1,,..-..r, And you will end up x paytng`an eshmated total q tr :. z Only the minimum payment 30yeors $16,516 $155 3 years $5,587 (Savings= $10,929) f you would like information about credit counseling services, call 1-800-347-1121. REWARDS Cashback Bonus® Opening Balance New Cashback Bonus This Period Everywhere Else Redeemed This Period Cashback Bonus Balance To learn more, log in at Discover.com Anniversary Month May $ 18.87 0.38 0.00 19.25 III' 1111111 11111"1' 111' 11111' 11111' 11111""' 1111111111"I I' 111 LEONARD C BEISH 1505 LOUISA LN MECHANICSBURG PA 17050-7281 "�v y• NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION P b Phoonem' 1,-800-34Z-2683„ Phone and Internet payments must be received by 5PM ET to be credited as of the same day. Address, e-mail or telephone changed? Note changes on reverse side. Account number ending in 3039 Minimum Payment Due $99.00 New Balance $3,802.28 Payment Due Date Amount enclosed December 18, 2013 $ PO BOX 71084 CHARLOTTE NC 28272-1084 ISI 1 1 1111111111'111"111'1111'1'1111111111 11"111111,"11'11'11 000001986458993810080038022800085480009900 LEONARD C BEISH Account number ending in 3039 Important Information See your CardmemberAgreement. Your Cordmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately! Coll 1-800-347-2683. What To Do 0 You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at: Discover, PO Box 30421, Salt Lake City, UT 84130-0421. You must write to us within 60 days after the error appeared on your statement. You may call us, but if you do we are not required to investigate any potential errors, and you may have to pay the amount in question. The Billing Rights Notice further explains your rights. Pleose see your Cardmember Agreement or visit https://discover.com/billingrights for o copy of this notice. Payments. You may pay all or part of your Account balance at any time. However, you must pay at least the Minimum Payment Due by the Payment Due Dote. Send only your payment and the bottom portion of this statement in the envelope provided atter affixing postage. Payments sent without proper postoge 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 electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. Ifo payment is processed as an electronic fund transfer, the transfer will be for the amount of the check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the some day we receive your payment, and you will not receive your check back from your financial institution. The processing of your payment may be delayed if you send cash, corres- pondence or other items with your poyments, if you send the payment to any other address, or if you use on envelope other thon the one provided. Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day. Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day. If you hove misploced your envelope, send your payment to Discover, PO Box 6103, Corot Stream, IL 60197.6103. Please allow 710 days for delivery. 0 your payment is returned unpaid, we reserve the right to resubmit it as on electronic debit. Payments mode online or by phone will be credited as of the day of receipt if mode by 5 PM Eastern time. You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you 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 15th day of the month) that occurs before your Payment Due Date or Close Date. 0 your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bunk holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4) digits of the social security number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeing to this authorization to ollow 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 odvance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be. CHANGE OF ADDRESS Open Dote: Oct 24, 2013 - Close Dote: Nov 23, 2013 Page 2 of 4 You must ensure that sufficient funds ore available in your bank account, and all transactions must comply with U.S. low. You con set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) Other dollor amount. If your scheduled "Other dollar amount' payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cordmember Agreement. If your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the billing statement based on credits or payments after the Close Date. If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records. Amount: 0 Full Pay 0 Min Pay 0 Min Pay+ $ 0 Other Amount$ ; Bonk 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. 0 you believe that our report is inaccurate or incomplete, please write us of this address: Discover, PO Box 15316, Wilmington, DE 19850-5316.PIease include your name, address, home telephone number and Account number. Paying Interest. Your due date is of least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will not charge you any interest on Purchases if you pay your entire balance by the due dote each month. We will begin charging interest on Cosh Advances and Balance Transfers os of the later of the Transaction Date or the first day of the billing period in which the transaction posted to your Account. How We Calculate Interest Charges. We Use the Doily Bolonce Method (including current transactions) to calculate the Balance Subject to Interest Rate. For more information, please call us at 1-800-347-2683. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balance SSuubjet to Interest Rate is the overage of the daily balances during the billing Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement. A credit bolance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you o refund of any remaining balance of $1.00 or more after 6 months, or os otherwise required by applicable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Balance Transfers. Bolonce Transfers are offered at our discretion and accrue interest at the standard purchase rate 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 Bonk, Member FDIC. TL23N If correct on front, do not use. Please print clearly in blue or block ink, in the space provided. Street Address City State, Zip Home Phone Work Phone Email To make changes to your address, email or telephone number, visit Discover.com l Continued on next page Discover More Card Account number ending in 3039 Open Date: Oct 24, 2013 - Close Date: Nov 23, 2013 Page 3 of 4 CONTACT US 0 Web Access your account securely al Discover.com Mobile Manage your account anytime, anywhere at m.Discover.com Phone 1 -800 -DISCOVER (1-800-347-2683) TDD 1-800-347-7449 Inquiry Discover PO Box 30943 Salt Lake City UT 84130 Mail Payments Discover PO Box 6103 Carol Stream IL 60197-6103 Transactions Payments and Credits Trans. Date Post Date Oct 31 Oct 31 PHONE PAYMENT- THANK YOU -96.00 Travel/Entertainment Nov 17 Nov 19 Nov 17 CARNIVAL CRUISE MDSE MIAMI FL Nov 19 CARNIVAL CRUISE MDSE MIAMI FL $ 49.95 104.98 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 83.77 0.00 0.00 83.77 2013 Totals Year -to -Date TOTAL FEES CHARGED IN 2013 TOTAL INTEREST CHARGED IN 2013 $ -92.77 $ 921.06 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 31 days TYPE OF BALANCE Purchases Cash Advances V=Variable Rate ANNUAL PERCENTAGE RATE (APR) 26.99% 29.99% BALANCE SUBJECT TO INTEREST RATE $3,653.77 $0.00 INTEREST CHARGE $83.77 $0.00 Information For You For more information about how interest charges are calculated see your Cardmember Agreement or go to www.discover.com/interestcharges Your next automatic minimum payment of $99.00 will be on November 30, 2013. 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 DiredPay amount. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION ACCOUNT SUMMARY Previous Balance $3,677.88 Payments and Credits — S99.00 Purchases + $0.00 Balance Transfers + $0.00 Cash Advances + $0.00 Fees Charged + $0.00 Interest Charged + S80.70 New Balance $3,659.58 See Interest Charge Calculation section following the Transactions section for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available You may be able to ovoid interest on Purchases. See reverse for details. S4,000 $340 $2,000 $340 Contact Us Discover.com 1-800-347-2683 Thank you for your continued enrollment in DirectPay automatic payments. Your next automatic payment of $96.00 will be on October 31, 2013. See 'Information For You" section for additional details. Make Check payable to Discover. Please fold an the perforation below, detach and return with your payment. Discover More Card Account number ending in 3039 Open Date: Sep 24, 2013- Close Date: Oct 23, 2013 Card member Since 1988 Page 1 of 4 PAYMENT INFORMATION New Balance Minimum Payment Due Payment Due Date $3,659.58 $96.00 November 18, 2013 Late Payment Warning: If we do not receive your minimum payment by the dote listed above, you may hove to pay a late fee of up to $35.00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 29.99% variable. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: IF yo `make o additional �ccl arges using this carrel and each5month,� yo.pUy.tw tr . vxt 3 c a You will pay o lance'sliown on Ihts.. statement.in,about And you wi l end ups paying`on esihmated fatal of? :: t ;? Onlyihe minimum payment 29 years $15,566 $149 3 years $5,378 (Savings= $10,188) f you would like information about credit counseling services, call 1-800-347-1121. REWARDS Cashback Bonus® Opening Balance New Cashback Bonus This Period Redeemed This Period Cashback Bonus Balance To learn more, log in at Discover.com +$ -$ Anniversary Month Moy 18.87 0.00 0.00 18.87 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION 11111'111111111'111111'1'11111'1II"'ll11111111111111111i1111111 LEONARD C BEISH 1505 LOUISA LN MECHANICSBURG PA 17050-7281 It Phone and 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. Account number ending in 3039 Minimum Payment Due $96.00 New Balance $3,659.58 Payment Due Date Amount enclosed November 18, 2013 $ PO BOX 71084 CHARLOTTE NC 28272-1084 II"1,11111111,11111111111I11'III'11111111111111111'111111111111 000001986458993810080036595800115000009600 LEONARD C BEISH Account number ending in 3039 Important Information See your CardmemberAgreement. Your Card member Agreement contoins 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 chink there is an error on your statement, write io us at: Discover, PO Box 30421, Soli Lake City, UT 84130-0421. You must write to us within 60 days offer the error appeared on your statement. Yov moy call us, but if you do we ore not required to investigate any potential errors, and you may hove to pay the amount in question. The Billing Rights Notice further explains your rights. Please see your Cordmember Agreement or visit https://discover.com/billingrighls for a copy of this notice. Payments. You moy pay all or part of your Account balance at ony time. However, you must pay at least the Minimum Payment Due by the Payment Due Date. Send only, your payment and the bottom portion ot this statement in the envelope provided. Do not send cosh. If you pay by check, yoy authorize us io use information on your check to make on electronic tend transfer from your account at the financial institution indicated on your check or to process the payment as a check tronsaction. If a payment is processed as on electronic fund transfer, the transfer will be for the amount of the check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use on envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account os of that day. Payments received 01 our processing facility after 5PM local time will be credited to your Account as of the next day. If you hove misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197.6103. Please allow 7.10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it os on electronic debit. Payments mode online or by phone will be credited as of the day of receipt if made by 5 PM Eastern lime. 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 outomoiic poymenis 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 Poymeni Due Dote shown on Thal statement, or the next automatic payment dote referred to on your statement, unless you request a recurring payment dote (e.g., the 15th day of the month) that occurs before your Payment Due Dote or Close Dote. If your scheduled payment date falls on a weekend or bunk holiday, your payment will be processed the business doy prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the Iasi four (4) digits of the social security number of the primary borrower. By providing those numbers as your eledronic signoture, you will be agreeing to this outhorizotion to allow us and your bonk to deduct eoch payment you authorize, in the amount selected by you, from your bonk account. You also authorize us to initiate debit or credit entries to your bonk account, os opplicable, to correct on error in the processing of such payment. You con concel o scheduled payment by phone at 1-800-347-2683 or by mail al Discover, PO Box 30421, Solt Lake City, UT 84130-0421; however, we must receive notice at least three business doys in advance of the scheduled payment. If your payments moy vary in amount, we will tell you on each monthly billing statement when your payment will be mode and how much it will be. CHANGE OF ADDRESS Open Date: Sep 24, 2013 - Close Dale: Oct 23, 2013 Page 2 of 4 You must ensure that sufficient funds ore available in your bunk account, and all transactions must comply with U.S. law. You can set automatic payments for: (i) statement New Bolance, (11) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) Other dollar amount. If your scheduled "Other dollar amount" payment is not enough 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 thon the Minimum Payment Due, any excess will be applied in accordance with your Card member Agreement. If your scheduled payment is greater than the New Bolonce on your billing statement, that payment will be processed only for the amount of your New Bolonce. Your automatic payment amount moy 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 outhorizotion for your records. Amount: 0 Full Pay 0 Min Pay 0 Min Pay+ $ 0 Other Amount$ ; Bonk Routing #: Bank Account # Monthly on the 0 Payment Due Date 0 Close Date 0 Doy of month (insert dole) Credit Reporting. We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at the following address: Discover, PO Box 15316, Wilmington, DE 19850-5316. Please include your name, address, home telephone number and Account number. Paying Interest. Your due dale is 01 leost 25 days after the close of each billing period (ot least 23 cloys for billing periods that begin in February). We will not charge you any interest on Purchases if you poy your entire bolonce by the due dote each month. We will begin charging interest on Cash Advances and Balance Transfers os of the later of the Transaction Date or the first day of the billing period in which the transaction posted to your Account. How We Calculate Interest Charges. We Use the Doily Bolonce Method (including current transactions) to calculate the Balance Subject to Interest Rote. For more information, please cat us at 1-800-347-2683. Balance Subject to Interest Rate. Your statement shows o Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rote 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 bolonce 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 oddress in the Contod Us section on page 3 of your billing statement. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® cord is issued by Discover Bank, Member FDIC. TL23N If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Street Address City State, Zip Home Phone Work Phone Email To make changes to your address, email or telephone number, visit Discover.com Continued on next page Discover More Card Account number ending in 3039 Open Date: Sep 24, 2013 - Close Date: Oct 23, 2013 Page 3 of 4 CONTACT US © Web Access your account securely al Discover.com Mobile Manage your account anytime, anywhere at m.Discover.com Phone 1 -800 -DISCOVER (1-800-347-2683) TDD 1-800-347-7449 Inquiry Discover PO Box 30943 Salt Lake City UT 84130 Mail Payments Discover PO Box 6103 Carol Stream IL 60197-6103 Transactions Payments and Credits Trans. Date Post Date Sep 30 Sep 30 PHONE PAYMENT - THANK YOU -99.00 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 80.70 0.00 0.00 80.70 2013 Totals Year -to -Date TOTAL FEES CHARGED IN 2013 $ -92.77 TOTAL INTEREST CHARGED IN 2013 $ 837.29 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 26.99% $3,637.72 $80.70 Cash Advances 29.99% $0.00 $0.00 V=Variable Rote Information For You For more information about how interest charges ore calculated see your Cardmember Agreement or go to www.discover.com/interestcharges Your next automatic minimum payment of $96.00 will be on October 31, 2013. Any payments mode 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 DiredPay amount. NOTICE: SEE REVERSE .SIDE FOR IMPORTANT INFORMATION ACCOUNT SUMMARY Previous Balance $3,694.11 Payments and Credits — $100.00 Purchases + $0.00 Balance Transfers + $0.00 Cash Advances + $0.00 Fees Charged + $0.00 Interest Charged + $83.77 New Balance $3,677.88 See Interest Charge Calculation section following the Transactions section for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cosh Advance Credit Line Available You may be able to avoid interest on Purchases. See reverse for details. $4,000 $322 $2,000 $322 Contact Us Discover.com 1-800-347-2683 i Thank you for your continued enrollment in DirectPay automatic payments. Your next automatic payment of $99.00 will be on September 30, 2013. See "Information For You" section for additional details. Make Check payable to Discover. Please fold on the perforation below, detach and return with your payment. Discover More Card Account number ending in 3039 Open Date: Aug 24, 2013- Close Date: Sep 23, 2013 Card member Since 1988 Page 1 of 4 PAYMENT INFORMATION New Balance Minimum Payment Due Payment Due Date $3,677.88 $99.00 October 18, 2013 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35.00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 29.99% variable. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and ii will take you longer to pay off your balance. For example: if you";make no additional chargesi usingg this cord a4n'd each month >4 ya?;P,'i ^# , iJ' 5 � f, ` MYly v 6. 5: You wdl pay off the t balance shownn_onYlhls State lent In about.. And yc a vnli end up paying tan estimated total of 1Illi, .) . .. :. Tx I. Only the minimum payment 29 years $15,685 $150 3 years $5,405 (Savings= $10,280) f you would like information about credit counseling services, call 1-800-347-1121. REWARDS Cashback Bonus® Opening Balance New Cashback Bonus This Period Redeemed This Period Cashback Bonus Balance To learn more, log in at Discover.com +$ —$ Anniversary Month May 18.87 0.00 0.00 18.87 1111,11,1111 1111111 ,11 11111.11111111,11,111111,11,1111,11,11,11, LEONARD C BEISH 1505 LOUISA LN MECHANICSBURG PA 17050-7281 r �v' y• 865'4'84 368 Phone and Internet payments must be received by 5PM ET to be credited as of the same day. Address, e-mail or telephone changed? Note changes on reverse side. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Account number ending in 3039 Minimum Payment Due $99.00 New Balance $3,677.88 Payment Due Date Amount enclosed October 18, 2013 $ PO BOX 71084 CHARLOTTE NC 28272-1084 111 1 S 11 111 11111111 000001986458993810080036778800105470009900 11111 I I1I,I I H1 1111I'I1 , , 111111 LEONARD C BEISH Account number ending in 3039 Important Information See your Cardmember Agreement. Your Cardmember Agreement contoins all the terms of your Account. Lost or stolen cards. Report immediately) Call 1-800-347-2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at: Discover, PO Box 30421, Soli Lake City, UT 84130-0421. You must write to us within 60 days offer the error appeared on your statement. You may call us, but if you do we ore not required to investigate any potential errors, and you may hove to pay the amount in question. The Billing Rights Notice further explains your rights. Please see your Cardmember Agreement or visit https://discover.com/billingrighis for o copy of this notice. Payments. You moy pay all or part of your Account balance at ony time. However, you must pay at least the Minimum Payment Due by the Payment Due Date_ Send only, your payment and the bottom portion qt this statement in the envelope provided. Do not send cash. If you pay by check, you authorizeus lo use information on your check to make on electronic fund transfer rom your account at the financial institution indicated on your check or 10 process the payment as a check trpnsaclion. If o payment is processed as on electronic fundtransfer, the transfer will be for the omount of the check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your occount as soon as the some doy we receive your payment, and yov will not receive your check bock from your financial institution. The processing of your payment may be delayed if you send cosh, correspondence or other items with your payment, if you send the payment to any other address or if you use on envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local time on 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 to your Account as of the next doy. If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197.6103. Please allow 710 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. Payments made online or by phone will be credited as of the day of receipt if mode by 5 PM Eastern time. You con pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you 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 Dole shown on that statement, or the next automatic pdyment dote referred to on your statement, unless you request o recurring payment date (e.g., the 15"' doy of the month) thot occurs before your Payment Due Date or Close Date. If your scheduled payment dote falls on a weekend or bank holiday, your payment will be processed the business doy prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bonk account information. You will be osked to provide the lost four (4) digits of the social security number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account. You also authorize us lo initiate debit or credit entries io your bonk account, os applicable, to correct on error in the processing of such payment. You can cancel a scheduled payment by phone 011-800-347-2683 or by mail of Discover, PO Box 30421, Salt Lake City, UT 84130-0421; however, we must receive notice 01 least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be mode and how much it will be. CHANGE OF ADDRESS Open Date: Aug 24, 2013 - Close Dale: Sep 23, 2013 Page 2 of 4 You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. low. You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar omount, or (iv) Other dollar amount. If your scheduled 'Other dollar amount" payment is not enough 10 cover the Minimum Payment Due os listed on your monthly billing statement, your scheduled payment for thot month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater thon the Minimum Payment Due, any excess will be applied in accordance with your Cordmember Agreement. If your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balonce. Your automatic payment amount may be less than the amount indicated on the billing statement based on credits or payments after the Close Dote. If you enroll by phone in our automatic payment service, pleose fill-in the following blanks below and retain the authorizotion for your records. Amount: 0 Full Pay ['Min Pay 0 Min Pay+ $ 0 Other Amount$ ; Bank Routing #: Bank Account # Monthly on the 0 Payment Due Dote 0 Close Dote 0 Day of month (insert date) Credit Reporting. We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at the following address: Discover, PO Box 15316,Wilmington, DE 19850-5316. Please include your name, address, home telephone number and Account number. Paying Interest. Your due dote is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will not charge you any interest on Purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Date or the first day of the billing period in which the transaction posted to your Account. How We Calculate Interest Charges. We Use the Doily Balance Method (including current transactions) to calculate the Balance Subject to Interest Rate. For more information, please call us at 1-800-347-2683. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. Credit Balances. If your Account hos o credit balance, the omount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you o refund of any remaining balance of $1.00 or more offer 6 months, or as otherwise required by applicable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® card is issued by Discover Bank, Member FDIC. TL23N If correct on front, do not use. Please print clearly in blue or block ink, in the space provided. Street Address City State, Zip Home Phone Work Phone Email To make changes to your address, email or telephone number, visit Discover.com Continued on next page Discover More Card Account number ending in 3039 Open Date: Aug 24, 2013 - Close Date: Sep 23, 2013 Page 3 of 4 CONTACT US © Web Access your account securely al Discover.com Mobile Manage your account anytime, anywhere at m.Discover.com Phone 1 -800 -DISCOVER (1-800-347-2683) TDD 1-800-347-7449 Inquiry Discover PO Box 30943 Salt Lake City UT 84130 Mad Payments Discover PO Box 6103 Carol Stream IL 60197-6103 Transactions Payments and Credits Trans. Date Post Date Aug 30 Aug 30 PHONE PAYMENT- THANK YOU -100.00 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 83.77 0.00 0.00 83.77 2013 Totals Year -to -Date TOTAL FEES CHARGED IN 2013 TOTAL INTEREST CHARGED IN 2013 $ -92.77 $ 756.59 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 31 days TYPE OF BALANCE Purchases Cash Advances V=Variable Rate ANNUAL PERCENTAGE RATE (APR) 26.99% 29.99% BALANCE SUBJECT TO INTEREST RATE $3,654.02 $0.00 INTEREST CHARGE $83.77 $0.00 Information For You For more information about how interest charges are calculated see your Cardmember Agreement or go to www.discover.com/interestcharges Your next automatic minimum payment of $99.00 will be on September 30, 2013. 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. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Payment Coupon Please do not fold, clip or staple. ACCOUNT SUMMARY Previous Balance $3,706.92 Payments and Credits — 597.00 Purchases + $0.00 Balance Transfers + $0.00 Cash Advances + $0.00 Fees Charged + $0.00 Interest Charged + $84.19 New Balance $3,694.11 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. S4,000 $305 $2,000 $305 Contact Us Discover.com 1-800-347-2683 Thank you for your continued enrollment in DirectPay automatic payments. Your next automatic payment of $100.00 will be on August 31, 2013. See "Information For You" section for additional details. Make Check payable to Discover. Please fold on the perforation below, detach and return with your payment. Discover More Card Account number ending in 3039 Open Date: Jul 24, 2013- Close Date: Aug 23, 2013 Cardmember Since 1988 Page 1 of 4 PAYMENT INFORMATION New Balance Minimum Payment Due Payment Due Date $3,694.1 1 $100.00 September 18, 2013 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35.00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 29.99% variable. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and ii will lake you longer to pay off your balance. For example: IF you make no additional charges using this card and each month youpay.... You will pay off the balance shown on this statement in about:.. And you will end up paying an estimated total of... Only the minimum payment 29 years $15,793 $151 3 years $5,428 (Savings= $10,365) f you would like information about credit counseling services, call 1-800-347-1121. REWARDS Cashback Bonus® Opening Balance New Cashback Bonus This Period Redeemed This Period Cashback Bonus Balance To learn more, log in at Discover.com +$ -$ Anniversary Month May 18.87 0.00 0.00 18.87 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION grh Pay Online Discover.com OPay by Phone 1-800-347-2683 'Illll1 111 11111ll111 il,,i'll''i' 1 111 111111111 11111 11 111 LEONARD C BEISH 1505 LOUISA LN MECHANICSBURG PA 17050-7281 L. r `d r Phone and Internet payments must be received by 5PM ET to be credited as of the same day. Address, e-mail or telephone changed? Note changes on reverse side. Account number ending in 3039 Minimum Payment Due $100.00 New Balance $3,694.1 1 Payment Due Date Amount enclosed September 18, 2013 $ PO BOX 71084 CHARLOTTE NC 28272-1084 111111111111111111111111111111111,1,111,1,1111111111,111111111111 000001986458993810080036941100119070010000 LEONARD C BEISH Account number ending in 3039 Important Information See your CordmemberAgreement-Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediotely! 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 lo us at: Discover, PO Box 30421, Solt Lake City, UT 84130-0421. You must write to us within 60 days after the error appeared on your stotement. Yov 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 https://discover.com/billingrights for o copy of this notice. Payments. You may pay all or port of your A4count 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 stotement in the envelope provided. Do not send cash. If you pay by check, you authorize us to use information on your check to make on electronic fund transfer tram your account at the financial institution indicated on your check or to process the payment as o check transaction. If a payment is processed as an electronic fund transfer, the transfer will be for the amount of the check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use on envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day. Payments received of our processing facility after 5PM local time will be credited to your Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197.6103. Please allow 7.10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as on electronic debit. Payments mode online or by phone will be credited as of the day of receipt if mode by 5 PM Eastern time. You con pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup outomotic payments through a customer service representative by calling 1-800-347-2683. Automatic payments for the billing period shown on your stotement will be deducted on the Payment Due Date shown on that statement, or the next outomotic payment date 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 Date. If your scheduled payment date falls on weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this stotement 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 ollow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank occount. You also authorize us to initiate debit or credit entries to your bank account, as opplicable, 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 of least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be. CHANGE OF ADDRESS Open Date: Jul 24, 2013 - Close Dote: Aug 23, 2013 Page 2 of 4 You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. low. You con set automatic payments for: (i) statement New Balance, (ii) stotement Minimum Payment Due, (iii) stotement Minimum Payment Due plus o fixed dollar amount, or (iv) Other dollar amount. If your scheduled "Other dollar amount" payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cordmember Agreement. If your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balonce. Your automatic payment amount may be less than the amount indicated on the billing statement bosed on credits or payments after the Close Date. If you enroll by phone in our automatic payment service, please fit -in the following blanks below and retain the authorization for your records. Amount: 0 Full Pay 0 Min Pay 0 Min Pay+ $ 0 Other Amount$ ; Bank Routing #: Bank Account # Monthly on the 0 Payment Due Date 0 Close Dote 0 Day of month (insert date) Credit Reporting. We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us 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 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 Tronsoction Dote or the first doy of the billing period in which the transaction posted to your Account. How We Calculate Interest Charges. We Use the Daily Balance Method (including current transections) to calculate the Balance Subject to Interest Rate. For more information, please call us at 1-800-347-2683. Balance Subject to Interest Rate. Your statement shows o Balance Subject to Interest Rote. It shows this for each transaction category. The Balance Subject to Interest Rate is the overage of the doily balances during the billing period. Credit Balances. If your Account hos o credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of $1.00 or more after 6 months, or as otherwise required by applicable law, or upon request mode to the address in the Contact Us sedion on page 3 of your billing statement. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® cord is issued by Discover Bank, Member FDIC. TL23N If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Street Address City State, Zip Home Phone Work Phone Email To make changes to your address, email or telephone number, visit Discover.com Continued on next page Discover More Card Account number ending in 3039 Open Date: Jul 24, 2013 - Close Date: Aug 23, 2013 Page 3 of 4 CONTACT US O Web Access your account securely at Discover.com Mobile Manage your account anytime, anywhere at m.Discover.com Phone 1 -800 -DISCOVER (1-800-347-2683) TDD 1-800-347-7449 Inquiry Discover PO Box 30943 Salt Lake City UT 84130 Mail Payments Discover PO Box 6103 Carol Stream IL 60197-6103 Transactions Payments and Credits Trans. Date Post Date Jul 31 Jul 31 PHONE PAYMENT - THANK YOU -97.00 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 84.19 0.00 0.00 84.19 2013 Totals Year -to -Date TOTAL FEES CHARGED IN 2013 TOTAL INTEREST CHARGED IN 2013 $ -92.77 $ 672.82 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 31 days ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchases 26.99% $3,672.60 $84.19 Cash Advances 29.99% $0.00 $0.00 V=Variable Rate Information For You For more information about how interest charges are calculated see your Cardmember Agreement or go to www.discover.com/interestcharges Your next automatic minimum payment of $100.00 will be on August 31, 2013. 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. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION ACCOUNT SUMMARY Previous Balance $3,725.18 Payments and Credits — $100.00 Purchases + $0.00 Balance Transfers + $0.00 Cash Advances + $0.00 Fees Charged + $0.00 Interest Charged + $81.74 New Balance $3,706.92 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. $4,000 $293 52,000 $293 Contact Us Discover.com 1-800-347-2683 Thank you for your continued enrollment in DirectPay automatic payments. Your next automatic payment of $97.00 will be on July 31, 2013. See "Information For You" section for additional details. Make Check payable to Discover. Please fold on the perforation below, detach and return with your payment. Discover More Card Account number ending in 3039 Open Date: Jun 24, 2013- Close Date: Jul 23, 2013 Card member Since 1988 Page 1 of 4 PAYMENT INFORMATION New Balance Minimum Payment Due Payment Due Date $3,706.92 $97.00 August 18, 2013 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35.00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 29.99% variable. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and i1 will take you longer to pay off your balance. For example: Ifyou:make no additional charges using this card and each month "y Pay. ? You wtll payoff lite balanee shown..on this . `statement.in about And you will end' up , paying an estimated fatal of Only the minimum payment 29 years 515,880 $151 3 years $5,447 (Savings= 510,433) f you would like information about credit counseling services, call 1-800-347-1121. REWARDS Cashback Bonus® Opening Balance New Cashback Bonus This Period Redeemed This Period Cashback Bonus Balance To learn more, log in at Discover.com +$ —$ Anniversary Month May 18.87 0.00 0.00 18.87 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Payment Coupon R Pay Online Please do'not fold, clip or staple Discover com 'ay by Phone 890.347zb83 "1 1I1111111111111111 I1I1I II['I'll '1 1'11'II'II1'I1'1111 LEONARD C BEISH 1505 LOUISA LN MECHANICSBURG PA 17050-7281 r Phone and Internet payments must be received by 5PM ET to be credited as of the same day. Address, e-mail or telephone changed? Note changes on reverse side. 000001986458993810080037069200243870009700 Account number ending in 3039 Minimum Payment Due $97.00 New Balance $3,706.92 Payment Due Date August 18, 2013 Amount enclosed PO BOX 71084 CHARLOTTE NC 28272-1084 l l 11111 11111 11 111111,11111 H II11I'111 111 111111 LEONARD C BEISH Account number ending in 3039 Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately! Coll 1-800-347-2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is on error on your statement, write to us at: Discover, PO Box 30421, Salt Lake City, UT 84130-0421. You must write to us within 60 days after the error appeared on your statement. You may call us, but if you do we 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 hops://discover.com/billingrighis for a copy of this notice. Payments. You may pay all or port of your Account balance at any time. However, you must pay at leost the Minimum Payment Due by the Payment Due Dole. Send only, your payment and the bottom portion of this statement in the envelope provided. Do not send cash. If you pay by check, yoy authorize us to use information on your check to make an electronic fund transfer trom your account at the financial institution indicated on your check or to process the payment as a check trpnsaction. If a payment is processed as on electronic fund transfer, the transfer will be for the amount of the check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account os soon as the same day we receive your payment, and you will not receive your check bock from your financial institution. The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use on envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local time on ony day will be credited to your Account as of that day. Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day. If you hove misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197.6103. Please allow 7.10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it os on electronic debit. Payments mode 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 Poyment Due, or greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1-800.347-2683. Automatic payments for the billing period shown on your statement will be deducted on the Payment Due Dote shown on that statement, or the next automatic payment dote referred to on your statement, unless you request a recurring payment dote (e.g., the 15' day of the month) that occurs before your Payment Due Date or Close Dote. If your scheduled poymenl date falls on a weekend or bank holiday, your poymenl 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 lost four (4) digits of the social security number of the primory borrower. By providing those numbers os your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account. You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct on error in the processing of such payment. You con cancel a scheduled poymenl by phone at 1-800-347-2683 or by mail at Discover, PO Box 30421, Sall Lake City, UT 84130-0421; however, we must receive notice of least three business doys in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be mode and how much it will be. CHANGE OF ADDRESS Open Date: Jun 24, 2013 - Close Date: Jul 23, 2013 Page 2 of 4 You must ensure that sufficient funds ore available in your bonk account, and all transactions must comply with U.S. low. You con set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) Other dollar amount. If your scheduled 'Other dollar amount" 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 increased to cover the Minimum Payment Due. If the scheduled poymenl is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. If your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the billing statement based on credits or payments offer the Close 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: 0 Full Pay 0Min Pay 0Min Poy+ $ 0 Other Amount$ ; Bonk Routing #: Bonk Account # Monthly on the 0 Payment Due Dote 0 Close 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 agencies each month. If you believe that our report is inaccurate or incomplete, please write us of the following 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 at least 25 doys after the close of each billing period (at leost 23 days for billing periods that begin in February). We will not charge you ony interest on Purchases if you poy your entire bolonce by the due dale each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Date or the first day of the billing period in which the transaction posted to your Account. How We Calculate Interest Charges. We Use the Daily Balance Method (including current transactions) to calculote the Bolance Subject to Interest Rate. For more information, please call us at 1-800-347-2683. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rate is the overage of the daily balances during the billing period. Credit Balances. If your Account hos a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You moy make charges against this amount if your Account is open. We will send you o refund of any remaining balance of $1.00 or more after 6 months, or os otherwise required by applicable low, or upon request mode to the address in the Contact Us section on page 3 of your billing statement. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® card is issued by Discover Bank, Member FDIC. TL23N If correct on front, do not use. Please print clearly in blue or block ink, in the space provided. Street Address City State, Zip Home Phone Work Phone Email To make changes to your address, email or telephone number, visit Discover.com Continued on next page Discover More Card Account number ending in 3039 Open Date: Jun 24, 2013 - Close Date: Jul 23, 2013 Page 3 of 4 CONTACT US © Web Access your account securely at Discover.com Mobile Manage your account anytime, anywhere at m.Discover.com Phone 1 -800 -DISCOVER (1-800-347-2683) TDD 1-800-347-7449 Inquiry !Discover PO Box 30943 Salt Lake City UT 84130 Mail Payments Discover PO Box 6103 Carol Stream IL 60197-6103 Transactions Payments and Credits Trans. Date Post Date Jun 30 Jun 30 PHONE PAYMENT- THANK YOU -100.00 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 81.74 0.00 0.00 81.74 2013 Totals Year -to -Date TOTAL FEES CHARGED IN 2013 TOTAL INTEREST CHARGED IN 2013 $ -92.77 $ 588.63 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 26.99% $3,684.72 $81.74 Cash Advances 29.99% $0.00 $0.00 V=Variable Rate Information For You For more information about how interest charges are calculated see your Cardmember Agreement or go to www.discover.com/interestcharges Your next automatic minimum payment of $97.00 will be on July 31, 2013. 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. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION ACCOUNT SU /v MARY Previous Balance Payments and Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $3,738.28 $98.00 $0.00 $0.00 $0.00 $ 0.00 $84.90 $3,725.18 See Interest Charge Calculation section following the Transactions section for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available You may be able to ovoid interest on Purchases. See reverse for details. $4,000 $274 $2,000 $274 Contact Us Discover.com 1-800-347-2683 Thank you for your continued enrollment in DirectPay automatic payments. Your next automatic payment of $100.00 will be on June 30, 2013. See 'Information For You" section for additional details. Make Check payable to Discover. Please fold on the perforation below, detach and return with your payment. Discover More Card Account number ending in 3039 Open Date: May 24, 2013- Close Dote: Jun 23, 2013 Cordmember Since 1988 PAYMENT INFORMATION New Balance Minimum Payment Due Payment Due Date Page 1 of 4 $3,725.18 $100.00 July 18, 2013 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have io pay a late fee of up 10 $35.00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 29.99% 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 poy off your balance. For example: Only the minimum payment $152 29 years 3 years 15,999 $5,474 (Savings= $10,525) fyou would like information about credit counseling services, call 1-800-347-1121. REWARDS Cashback Bonus® Opening Balance New Cashback Bonus This Period Redeemed This Period Cashback Bonus Balance To learn more, log in at Discover.com +$ -$ $ Anniversary Month May 18.87 0.00 0.00 18.87 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION 11111111'111!1111111111'1111 111111111' 11111111111111111111111111 LEONARD C BEISH 1505 LOUISA LN MECHANICSBURG PA 17050-7281 Phone and Internet payments must be received by 5PM ET to be credited as of the some day. Address, e-mail or lelephone changed? Note changes on reverse side. 000001986458993810080037251800400000010000 Account number ending in 3039 Minimum Payment Due $100.00 New Balance $3,725.18 Payment Due Date July 18, 2013 Amount enclosed PO BOX 71084 CHARLOTTE NC 28272-1084 Ili Ill111111 I'Il1 III III 111111 LEONARD C BEISH Account number ending in 3039 Important Information See your CordmemberAgreement. Your Cardmember Agreement contoins all the terms of your Account. Lost or stolen cards. Report immediately! Call 1-800-347-2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is on error on your statement, write io us at: Discover, PO Box 30421, Solt Lake City, UT 84130-0421. You must write to us within 60 doys offer 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 Cardmember Agreement or visit hips://discover.com/billingrighis for o copy of This notice. Payments. You may pay all or port of your Account bolonce at any time. However, you must pay ot least the Minimum Payment Due by the Payment Due Date. Send only, your payment and the bottom portion ot this statement in the envelope provided. Do not send cosh. If you poy by check, yoy authorize us to use information on your check to make on electronic tund transfer trom your account at the financial institution indicated on your check or lo process the poyment as o check transaction. If payment is processed as on electronic fundtransfer, the transfer will be for the amount of the check. When we use information from your check to make an electronic fund transfer, funds moy 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 finonciol institution. The processing of your payment moy be delayed if you send cosh, correspondence or other items with your payment, if you send the payment to any other address or if you use on envelope other than the one provided. Poyments received in proper form ai our processing facility by 5PM local time on any day will be credited to your Account as of that day. Payments received al our processing facility after 5PM local time will be credited to your Account os of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197.6103. Please allow 7.10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. Payments 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 o greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1-800-347-2683. Automatic poyments for the billing period shown on your statement will be deducted on the Payment Due Dote shown on that statement, or the next automatic payment date referred to on your statement, unless you request a recurring payment date (e.g., the 15h day of the month) that occurs before your Payment Due Date or Close Dole. If your scheduled payment dote falls on weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the lost four (4) digits of the social security number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank io deduct each payment you outhorize, in the amount selected by you, from your bank account. You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct on error in the processing of such payment. You can cancel o scheduled payment by phone of 1-800-347-2683 or by mail at Discover, PO Box 30421, Solt Lake City, UT 84130-0421; however, we must receive notice at least three business days in advance of the scheduled payment. If your payments moy vary in amount, we will tell you on each monthly billing siotement when your payment will be mode and how much it will be. CHANGE OF ADDRESS Open Dote: May 24, 2013 - Close Dote: Jun 23, 2013 Page 2 of 4 You must ensure that sufficient funds are available in your bank occount, and all transactions must comply with U.S. low. You con set automatic payments for: (i) statement New Bolonce, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) Other dollar amount. If your scheduled "Other dollar amount" payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. If your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the billing statement based on credits or payments after the Close Date. If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records. Amount: 0Full Pay DMin Pay DMin Poy+ $ 0 Other Amount$ ; Bank Routing #: Bonk Account # Monthly on the 0 Payment Due Date 0 Close Dote 0 Day of month (insert dote) Credit Reporting. We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the 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 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 dote eoch month. We will begin charging interest on Cosh Advances and Balance Tronsfers as of the later of the Transaction Date or the first day of the billing period in which the transaction posted to your Account. How We Calculate Interest Charges. We Use the Doily Balance Method (including current transections) to calculate the Balance Subject to Interest Rate. For more information, please call us 011-800-347-2683. Balance Subject to Interest Rate. Your statement shows a Bolonce Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rote is the average of the doily balances during the billing period. Credit Balances. If your Account hos o credit bolonce, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of $1.00 or more after 6 months, or as otherwise required by applicable low, or upon request mode to the address in the Contact Us section on page 3 of your billing statement. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® cord is issued by Discover Bank, Member FDIC. TL23N If correct on front, do not use. Please print clearly in blue or block ink, in the space provided. Street Address City State, Zip Home Phone Work Phone Email To make changes to your address, email or telephone number, visit Discover.com Continued on next page Discover More Card Account number ending in 3039 Open Date: May 24, 2013 - Close Date: Jun 23, 2013 Page 3 of 4 CONTACT US O Web Access your account securely 01 Discover.com Mobile Manage your account anytime, anywhere at m.Discover.com Phone 1 -800 -DISCOVER (1-800-347-2683) TDD 1-800-347-7449 Inquiry Discover PO Box 30943 Salt Lake City UT 84130 Mail Payments Discover PO Box 6103 Carol Stream IL 60197-6103 Transactions Payments and Credits Trans. Date May 31 Post Date May 31 PHONE PAYMENT - THANK YOU -98.00 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 84.90 0.00 0.00 84.90 2013 Totals Year -to -Date TOTAL FEES CHARGED IN 2013 TOTAL INTEREST CHARGED IN 2013 $ -92.77 $ 506.89 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 31 days TYPE OF BALANCE Purchases Cash Advances V=Variable Rate ANNUAL PERCENTAGE RATE (APR) 26.99% 29.99% BALANCE SUBJECT TO INTEREST RATE $3,703.52 $0.00 INTEREST CHARGE $84.90 $0.00 Information For You For more information about how interest charges are calculoted see your Cardmember Agreement or go to www.discover.com/interestcharges Your next automatic minimum payment of $100.00 will be on June 30, 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 DirectPay amount. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION ACCOUNT SUMMARY Previous Balance $3,756.84 Payments and Credits — $101.00 Purchases + $0.00 Balance Transfers + $0.00 Cash Advances + $0.00 Fees Charged + $0.00 Interest Charged + $82.44 New Balance $3,738.28 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. $4,000 $261 $2,000 $261 Contact Us Discover.com 1-800-347-2683 Thank you for your continued enrollment in DirectPay automatic payments. Your next automatic payment of $98.00 will be on May 31, 2013. See "Information For You" section for additional details. Make Check payable to Discover. Please fold on the perforation below, detach and return with your payment. Discover More Card Account number ending in 3039 Open Date: Apr 24, 2013- Close Date: May 23, 2013 Card member Since 1988 Page 1 of 4 PAYMENT INFORMATION New Balance Minimum Payment Due Payment Due Date $3,738.28 $98.00 June 18, 2013 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35.00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 29.99% variable. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no additional charges Using thcs cordanti each mon h ' ,ae you pay K t f Y'ov,wdl pay dF the balance shown on'ths sfatementrin about ., And you wilt end up paying an estimated total 'o," ' , Y x r Only the minimum payment 30 years $16,089 $153 3 years $5,493 (Savings= $10,596) f you would like information about credit counseling services, call 1-800-347-1121. REWARDS Cashback Bonus® Opening Balance New Cashback Bonus This Period Redeemed This Period Cashback Bonus Balance To learn more, log in at Discover.com +$ —$ Anniversary Month May 18.87 0.00 0.00 18.87 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION 1,11I11II11 11 111111111I11IiIIII1I II1 111111I 11 11 111 LEONARD C BEISH 1505 LOUISA LN MECHANICSBURG PA 17050-7281 Y Phone and Internet payments must be received by 5PM ET to be credited as of the same day. Address, e-mail or telephone changed? Note changes on reverse side. Account number ending in 3039 Minimum Payment Due $98.00 New Balance $3,738.28 Payment Due Date Amount enclosed June 18, 2013 $ PO BOX 71084 CHARLOTTE NC 28272-1084 X11111111111111 1 1 111 1 1111 111111111111Il 11 1 11111 11 11111111'1 000001986458993810080037382800400000009800 LEONARD C BEISH Account number ending in 3039 Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately! Coll 1-800-347-2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is on error on your statement, write to us at: Discover, PO Box 30421, Soli Lake City, UT 84130-0421. You must write to us within 60 days after the error appeared on your statement. You may call us, but if you do we are not required to investigate ony potential errors, and you moy have to pay the amount in question. The Billing Rights Notice further explains your rights. Please see your Cardmember Agreement or visit https://discover.com/billingrights for o copy of this notice. Payments. You may pay all or part of your Account balance at any time. However, you must pay at least the Minimum Payment Due by the Payment ment Due Dote. Send only, your payment and the bottom portion of this statement in the envelope provided. Do not send cash. If you pay by check, you authorize us to use information on your check to make on electronic fund Transfer from your account at the financial institution indicated on your check or to process the payment os o check transaction. If o payment is processed as on electronic fund transfer, the transfer will be for the amount of the i check. When we use nformglion from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon os the some day we receive your payment, and you will not receive your check back from your finoncial institution. The processing of your payment may be delayed if you send cosh, correspondence or other items with your payment, if you send the payment to any other address or if you use on envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account os of that day. Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 601976103. Please allow 7-10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it os on electronic debit. Payments made online or by phone will be credited as of the day of receipt if made by 5 PM Eastern time. You con pay your monthly Minimum Payment Due, or o greater amount that does not exceed your current Account balance, over the telephone or you con setup automatic payments through a customer service representative by 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 automotic payment date referred to on your statement, unless you request a recurring payment date (e.g., the 15'h day of the month) that occurs before your Payment Due Date or Close Dote. If your scheduled payment date falls on o weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4) digits of the social security number of the primary borrower. By providing those numbers as your eledronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bonk account. You also authorize us to initiate debit or credit entries lo 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 of Discover, PO Box 30421, Salt Lake City, UT 84130-0421; however, we must receive notice at least three business days in advance of the scheduled payment. If your payments moy vary in amount, we will tell you on each monthly billing statement when your payment will be mode and how much it will be. CHANGE OF ADDRESS Open Dale: Apr 24, 2013 - Close Date: May 23, 2013 Page 2 of 4 You must ensure that sufficient funds ore available in your bank account, and all transactions must comply with U.S. low. You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) Other dollar amount. If your scheduled "Other dollar amount' payment is not enough 10 cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased io cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. If your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the omount of your New Balance. Your automatic payment amount moy be less than the amount indicated on the billing statement based on credits or payments after the Close Dote. If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records. Amount: L Full Pay 0 Min Pay Li Min Poy+ $ El Other Amount$ ; Bank Routing #: Bank Account # • Monthly on the El Payment Due Date II Close Dote 0 Day of month (insert date) Credit Reporting. We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us 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 daie is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will not charge you any interest on Purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Date or the first day of the billing period in which the transaction posted to your Account. How We Calculate Interest Charges. We Use the Daily Balance Method (including current transactions) to calculate the Balance Subject to Interest Rate. For more information, please call us at 1.800-347-2683. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest 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 ony remaining balance of $1.00 or more after 6 months, or as otherwise required by applicable low, or upon request mode to the address in the Contact Us section on page 3 of your billing statement. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® card is issued by Discover Bank, Member FDIC. TL23N If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Street Address City State, Zip • Home Phone Work Phone Email To make changes to your address, email or telephone number, visit Discover.com Continued on next page Discover More Card Account number ending in 3039 Open Date: Apr 24, 2013 - Close Date: May 23, 2013 Page 3 of 4 CONTACT US © Web Access your account securely at Discover.com Mobile Manage your account anytime, anywhere at m.Discover.com Phone 1 -800 -DISCOVER (1-800-347-2683) TDD 1-800-347-7449 Inquiry Discover PO Box 30943 Salt Lake City UT 84130 Mail Payments Discover PO Box 6103 Carol Stream IL 60197-6103 Transactions Payments and Credits Trans. Date Post Date Apr 30 Apr 30 PHONE PAYMENT- THANK YOU -101.00 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 82.44 0.00 0.00 82.44 2013 Totals Year -to -Date TOTAL FEES CHARGED IN 2013 TOTAL INTEREST CHARGED IN 2013 $ -92.77 $ 421.99 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 26.99% $3,715.92 $82.44 Cash Advances 29.99% $0.00 $0.00 V=Variable Rate Information For You For more information about how interest charges ore calculated see your Cardmember Agreement or go to www.discover.com/interestcharges Your next automatic minimum payment of $98.00 will be on May 31, 2013. 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. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION ACCOUNT SUMMARY Previous Balance $3,764.25 Payments and Credits — $93.00 Purchases + $0.00 Balance Transfers + $0.00 Cash Advances + $0.00 Fees Charged + $0.00 Interest Charged + $85.59 New Balance $3,756.84 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. $4,000 $243 $2,000 $243 Contact Us Discover.com 1-800-347-2683 Thank you for your continued enrollment in DirectPay automatic payments. Your next automatic payment of $101.00 will be on April 30, 2013. See "Information For You" section for additional details. Make Check payable to Discover. Please fold on the perforation below, detach and return with your payment. Payment Coupons jPleasetao not ford p orstap e �P "y,Online� Discover tom+ 11111111111111111,11111,1,1111111,1111111111111111,11111111111111 LEONARD C BEISH 1505 LOUISA LN MECHANICSBURG PA 17050-7281 Y i• Discover More Card Account number ending in 3039 Open Date: Mar 24, 2013- Close Date: Apr 23, 2013 Cardmember Since 1988 Page 1 of 4 PAYMENT INFORMATION New Balance Minimum Payment Due Payment Due Date $3,756.84 $101.00 May 18, 2013 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35.00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 29.99% 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: AIF you make no Oddi al charges? ia eonth using this cnril arach m P% x tlit� a :Youwill payoff the -`. 'balance shown on this ,statement,in,about t k And you wi l end up fpaytng on estimated total of <':� '"'-'?b,''''' ,;. Only the minimum payment 30 years $16,212 $153 3 years $5,521 (Savings= $10,691) f you would like information about credit counseling services, call 1-800-347-1121. REWARDS Cashback Bonus® Opening Balance New Cashback Bonus This Period Redeemed This Period Cashback Bonus Balance To learn more, log in at Discover.com $ +$ -$ Anniversary Month May 18.87 0.00 0.00 18.87 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Phone and Internet payments must be received by 5PM ET to be credited as of the some day. Address, e-mail or telephone changed? Note changes on reverse side. Account number ending in 3039 Minimum Payment Due $101.00 New Balance $3,756.84 Payment Due Date Amount enclosed May 18, 2013 $ PO BOX 71084 CHARLOTTE NC 28272-1084 1111,11 1111111111 1111'1 11111l11,1,111ll'',ll1 1111111111111 000001986458993810080037568400400000010100 LEONARD C BEISH Account number ending in 3039 Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately! Call 1-800-347-2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at: Discover, PO Box 30421, Solt Lake City, UT 84130-0421. You must write to us within 60 days after the error appeared on your statement. You may call us, but if you do we are not required to investigate any potential errors, and you may have to pay the amount in question. The Billing Rights Notice further explains your rights. Please see your Card member 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 Dug Dote. Send only, your payment and the bottom portion qt this stalement in the envelope provided. Do not send cash. If you pay by check, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. If a payment is processed as an electronic fund transfer, the transfer will be for the amount of the check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day. Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197.6103. Please allow 7.10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. Payments made online or by phone will be credited as of the day of receipt if made by 5 PM Eastern time. You can pay your monthly Minimum Payment Due, or o greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1-800-347-2683. Automatic payments for the billing period shown on your statement will be deducted on the Payment Due 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 holiday. In order to schedule monthly payments by telephone, you will need this statement and your bunk account information. You will be asked to provide the last four (4) digits of the social security number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account. You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1-800-347-2683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 84130-0421; however, we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be. CHANGE OF ADDRESS Open Date: Mar 24, 2013 - Close Date: Apr 23, 2013 Page 2 of 4 You must ensure that sufficient funds ore available in your bank account, and all transactions must comply with U.S. law. You con set automatic payments for: (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 applied in accordance with your Cordmember Agreement. If your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the billing statement based on credits or payments after the Close 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 1 Min Pay+ $ 0 Other Amount$ ; Bank Routing #: Bank Account # Monthly on the 0 Payment Due Date 0 Close Date Day of month (insert date) Credit Reporting. We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at the following address: Discover, PO Box 15316, Wilmington, DE 19850-5316. Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will not charge you any interest on Purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Date or the first day of the billing period in which the transaction posted to your Account. How We Calculate Interest Charges. We Use the Doily Balance Method (including current transactions) to calculate the Balance Subject to Interest Rate. For more information, please call us at 1-800-347-2683. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest 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, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® card is issued by Discover Bank, Member FDIC. TL23N If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Street Address City State, Zip Home Phone Work Phone Email To make changes to your address, email or telephone number, visit Discover.com Continued on next page Discover More Card Account number ending in 3039 Open Date: Mar 24, 2013 - Close Date: Apr 23, 2013 Page 3 of 4 CONTACT US © Web Access your account securely at Discover.com Mobile Manage your account anytime, anywhere at m.Discover.com Phone 1 -800 -DISCOVER (1-800-347-2683) TDD 1-800-347-7449 Inquiry Discover PO Box 30943 Salt Lake City UT 84130 Mail Payments Discover PO Box 6103 Carol Stream IL 60197-6103 Transactions Payments and Credits Trans. Date Post Date Mar 31 Mar 31 PHONE PAYMENT - THANK YOU -93.00 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 $ 85.59 0.00 0.00 85.59 2013 Totals Year -to -Date TOTAL FEES CHARGED IN 2013 TOTAL INTEREST CHARGED IN 2013 $ -92.77 $ 339.55 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 31 days ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchases 26.99% $3,733.69 $85.59 Cash Advances 29.99% $0.00 $0.00 V=Variable Rate Information For You For more information about how interest charges are calculated see your Cardmember Agreement or go to www.discover.com/interestcharges Your next automatic minimum payment of $101.00 will be on April 30, 2013. 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. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Discover More Card Account number ending in 3039 Open Date: Feb 24, 2013- Close Date: Mar 23, 2013 Cardmember Since 1988 ACCOUNT SUMMARY PAYMENT INFORMATION New Balance Minimum Payment Due Payment Due Date Previous Balance $3,789.84 Payments and Credits — $103.00 Purchases + $0.00 Balance Transfers + $0.00 Cash Advances + $0.00 Fees Charged + $0.00 Interest Charged + $77.41 New Balance $3,764.25 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. $4,000 $235 $2,000 $235 Contact Us Discover.com 1-800-347-2683 See "Information For You" section for important information regarding Your Billing Rights. Thank you for your DirectPay automatic payment. Your next automatic payment of $93.00 will be on March 31, 2013. See "Information For You" section for additional details. Make Check payable to Discover. Please fold on the perforation below, detach and return with your payment. Page 1 of 4 $3,764.25 $ 93.00 April 18, 2013 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35.00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 29.99% variable. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and ii will lake you longer to pay off your balance. For example: If you make no additional'' charges using: this card and each month you:pay _ You wdl pdy off llte ; balance shown an this, ;'statement; in about And you vnl(end up .-paying en estif ted total ' :`.. Only the minimum payment 30 years $154 3 years $16,262 $5,531 (Savings= $10,731) f you would like information about credit counseling services, call 1-800-347-1121. J REWARDS Cashback Bonus® Opening Balance New Cashback Bonus This Period Redeemed This Period Cashback Bonus Balance To learn more, log in at Discover.com +$ —$ Anniversary Month May 18.87 0.00 0.00 18.87 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Payment Coupon .;Please do not fald,clip or sta Pay Online- . ::Discover clan 111111th'iil1 11111 11111lln111111,11 1 1liIll'1 111 1 LEONARD C BEISH 1505 LOUISA LN MECHANICSBURG PA 17050-7281 !".11*. ,+ 74'}i r Phone and Internet payments must be received by 5PM ET to be credited as of the same day. Address, e-mail or telephone changed? Note changes on reverse side. Account number ending in 3039 Minimum Payment Due $93.00 New Balance $3,764.25 Payment Due Date Amount enclosed April 18, 2013 $ PO BOX 71084 CHARLOTTE NC 28272-1084 I11 1111111111,till11i,11111 1111111111 1 11111111 111111111 000001986458993810080037642500100000009300 LEONARD C BEISH Account number ending in 3039 Open Date: Feb 24, 2013 - Close Date: Mar 23, 2013 Page 2 of 4 Important Information See your Cardmember Agreement . Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cords. Report immediately! Coll 1-800-347-2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at: Discover, PO Box 30421, Salt 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 ore not required to investigate any potential errors, and you may have to pay the amount in question. The Billing Rights Notice further explains your rights. Please see your Cardmember Agreement or visit https://discover.com/billingrights for a copy of this notice. Payments. You may pay all or part of your Account balance of any time. However, you must pay of leost the Minimum Payment Due by the Payment Due Date. Send only your payment and the bottom portion of this statement in the envelope provided. Do not send cash. If you pay by check, you authorize us to use information on your check to make on electronic fund transfer from your account at the financial institution indicated on your check or to process the payment os a check transaction. If a payment is processed as an electronic fund transfer, the transfer will be for the amount of the check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon os the same day we receive your payment, and you will not receive your check bock from your financial institution. The processing of your payment moy be delayed if you send cosh, correspondence or other items with your payment, if you send the payment to ony 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 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 have misploced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197.6103. Please allow 7.10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as on electronic debit. Payments made online or by phone will be credited as of the day of receipt if made by 5 PM Eastern time. You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you con setup automatic payments through o customer service representative by calling 1-800-347-2683. Automatic payments for the billing period shown on your statement will be deducted on the Payment Due Date shown on that 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 Date. If your scheduled payment date falls on o weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4) digits of the social security number of the primory 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 occount. 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 poyment. 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 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 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 os listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. If your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the billing statement based on credits or payments 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 0Min Pay DMin Pay+ $ 0 Other Amount$ ; Bank Routing #: Bank Account # Monthly on the 0 Payment Due Date 0 Close Date 0 Day of month (insert date) Credit Reporting . We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at the following address: Discover, PO Box 15316, Wilmington, DE 19850-5316. Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will not charge you any interest on Purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction 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 Bolance Method (including current transections) to calculate the Balance Subject to Interest Rate. For more information, please call us 011-800-347-2683. Balance Subject to Interest Rate. Your statement shows o Balance Subject to Interest Rate. It shows this for each transection category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. Credit Balances. If your Account has a credit bolonce, the amount is shown on the front of your billing statement. A credit balance is money thot is owed to you. You may moke 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 low, or upon request mode to the address in the Contact Us section on page 3 of your billing statement. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® card is issued by Discover Bonk, Member FDIC. TL23N If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Street Address City State, Zip Home Phone Work Phone Email To make changes to your address, email or telephone number, visit Discover.com Continued on next page Discover More Card Account number ending in 3039 Open Date: Feb 24, 2013 - Close Date: Mar 23, 2013 Page 3 of 4 CONTACT US © Web Access your account securely at Discover.com Mobile Manage your account anytime, anywhere at m.Discover.com Phone 1 -800 -DISCOVER (1-800-347-2683) TDD 1-800-347-7449 Inquiry Discover PO Box 30943 Salt Lake City UT 84130 Mail Payments Discover PO Box 6103 Carol Stream IL 60197-6103 Transactions Payments and Credits Trans. Date Post Date Feb 28 Feb 28 PHONE PAYMENT - THANK YOU -103.00 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 77.41 0.00 0.00 77.41 2013 Totals Year -to -Date TOTAL FEES CHARGED IN 2013 TOTAL INTEREST CHARGED IN 2013 $ -92.77 $ 253.96 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 28 days ANNUAL PERCENTAGE RATE BALANCE 'SUBJECT TO TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchases 26.99% $3,738.88 $77.41 Cash Advances 29.99% $0.00 $0.00 V=Variable Rate Information For You Your Billing Rights: Keep This Document For Future Use This notice tells you about your rights and our responsibilities under the Fair Credit Billing Ad. What To Do If You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at: Discover,P0 Box 30421,Salt Lake City, UT 84130-0421. In your letter, give us the following information: • Account information: Your name and account number. • Dollar amount: The dollar amount of the suspected error. • Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us: • Within 60 days after the error appeared on your statement. • Ai least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may hove to pay the amount in question. What Will Happen After We Receive Your Letter When we receive your letter, we must do two things: 1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. While we investigate whether or not there has been an error: • We cannot try to collect the amount in question, or report you as delinquent on that amount. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. • While you do not have to pay the amount in question, you are responsible for the remainder of your balance. • We can apply any unpaid omount against your credit limit. After we finish our investigation, one of two things will happen: • If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION LEONARD C BEISH Account number ending in 3039 Open Dote: Feb 24, 2013 - Close Date: Mar 23, 2013 Page 4 of 4 Information For You ... Continued • If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe. If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We musi tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct. Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you hove tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must hove been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You musi not yet hove fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Discover PO Box 30945 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. Your next automatic minimum payment of $93.00 will be on March 31, 2013. 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. ACCOUNT SUMMARY Previous Balance $3,898.92 Payments and Credits — $196.77 Purchases + $0.00 Balance Transfers + $0.00 Cosh Advances + $0.00 Fees Charged + $0.00 Interest Charged + $87.69 New Balance $3,789.84 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 moy be able to avoid interest on Purchases. See reverse for details. $4,000 $210 $2,000 $210 Contact Us Discover.com 1-800-347-2683 Thank you for your DirectPay automatic payment. Your next automatic payment of $103.00 will be on February 28, 2013. See "Information For You" section for additional details. Make Check payable to Discover Please fold on the perforation below, detach and return with your payment. Discover More Card Account number ending in 3039 Open Dote: Jon 24, 2013- Close Date: Feb 23, 2013 Cardmember Since 1988 Page 1 of 4 PAYMENT INFORMATION New Balance Minimum Payment Due Payment Due Date $3,789.84 $103.00 March 18, 2013 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35.00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 29.99% 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: tf you makeno addjt anat cfrares usan thrs card orad each raaanth ` *"u Yau will poy off the ` f batance shown on #Eris statemetatin about And you wall end up a an estimated totaI of r `y Onlythe minimum payment 30 years $16,429 $155 3 years $5,569 (Savings= $10,860) f you would like information about credit counseling services, call 1-800-347-1121. REWARDS Cashback Bonus® Opening Balance New Cashback Bonus This Period Redeemed This Period Cashback Bonus Balance To learn more, log in at Discover.com +$ -$ Anniversary Month May 18.87 0.00 0.00 18.87 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION men '-800.347.26 11111i111i11111111111'11'1-111111iL11,111'1111!IIIIIiiipii1111 LEONARD C BEISH 1505 LOUISA LN MECHANICSBURG PA 17050-7281 �r 1. Phone and Internet payments must be received by 5PM ET to be credited as of the same day. Address, e-mail or telephone changed? Note changes on reverse side. 000001986458993810080037898400127000010300 Account number ending in 3039 Minimum Payment Due $103.00 New Balance $3,789.84 Payment Due Date Amount enclosed March 18, 2013 $ PO BOX 71084 CHARLOTTE NC 28272-1084 11 1 11 1 1 1 X1 11 VIII 1I11111 1 X1111 '1 111II'I'll1111 1"III LEONARD C BEISH Account number ending in 3039 Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately! Call 1-800-347-2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at: Discover, PO Box 30421, Salt Lake City, UT 84130-0421. You must write to us within 60 days after the error appeared on your statement. You may call us, but if you do we are not required to investigate any potential errors, and you may have to pay the omount in question. The Billing Rights Notice further explains your rights. A copy of this notice is available at https://discover.com/billingrights. Payments. You may pay all or port of your Account balance at any time. However, you must pay at least the Minimum Payment Due by the Payment Due Date. Send only your payment and the bottom portion of this statement in the envelope provided. Do not send cash. If you pay by check, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or 10 process the payment as a check transaction. If a payment is processed as on electronic fund transfer, the transfer will be for the amount of the check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day. Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197.6103. Please allow 7.10 days for delivery. If your payment is returned unpoid, 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 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 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 lo 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 i1 will be. CHANGE OF ADDRESS Open Date: Jan 24, 2013 - Close Date: Feb 23, 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 o fixed dollar amount, or (iv) Other dollar amount. If your scheduled "Other dollar amount" payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. If your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the billing statement based on credits or payments after the Close Dale. If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records. Amount: 0 Full Pay 0 Min Pay 0 Min Pay+ $ 0 Other Amount$ ; Bonk Routing #: Bank Account # Monthly on the 0 Payment Due Date 0 Close Date Day of month (insert date) Credit Reporting. We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at the following address: Discover, PO Box 15316, Wilmington, DE 19850-5316. Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will not charge you any interest on Purchases if you pay your entire balance by the due dale each month. We will begin charging interest on Cosh Advances and Balance Transfers as of the later of the Transaction Date or the first day of the billing period in which the transaction posted to your Account. How We Calculate Interest Charges. We Use the Daily Balance Method (including current transactions) to calculate the Balance Subject to Interest Rate. For more information, please call us at 1-800-347-2683. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest 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 moke 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 applicable low, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® cord is issued by Discover Bank, Member FDIC. TL23N If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Street Address City State, Zip Home Phone Work Phone Email To make changes to your address, email or telephone number, visit Discover.com Continued on next page Discover More Card Account number ending in 3039 Open Date: Jan 24, 2013 - Close Date: Feb 23, 2013 Page 3 of 4 CONTACT US 0 Web Access your account securely at Discover.com Mobile Manage your account anytime, anywhere at m. Discover.com Phone 1 -800 -DISCOVER (1-800-347-2683) TDD 1-800-347-7449 Inquiry Discover PO Box 30943 Salt Lake City UT 84130 Mail Payments Discover PO Box 6103 Carol Stream IL 60197-6103 Transactions Payments and Credits Trans. Date Jan 31 Feb 12 Post Date Jan 31 Feb 12 PHONE PAYMENT - THANK YOU PAYMENT PROTECTION SETTLEMENT REFUND (800)347-5538 -104.00 -92.77 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 87.69 0.00 0.00 87.69 2013 Totals Year -to -Date TOTAL FEES CHARGED IN 2013 TOTAL INTEREST CHARGED IN 2013 $ -92.77 $ 176.55 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 31 days ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchases 26.99% $3,825.22 $87.69 Cash Advances 29.99% $0.00 $0.00 V=Variable Rate Information For You Your next automatic minimum payment of $103.00 will be on February 28, 2013. 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. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION ACCOUNT SUMMARY Previous Balance $3,912.06 Payments and Credits — $102.00 Purchases + $0.00 Balance Transfers + $0.00 Cash Advances + $0.00 Fees Charged + $0.00 Interest Charged + $88.86 New Balance $3,898.92 See Interest Charge Calculation section following the Transactions section for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available You may be able to ovoid interest on Purchases. See reverse for details. $4,000 $101 $2,000 $101 Contact Us Discover.com 1-800-347-2683 Thank you for your DirectPay automatic payment. Your next automatic payment of $104.00 will be on January 31, 2013. See "Information For You" section for additional details. Make Check payable to Discover. Please fold on the perforation below, detach and return with your payment. Discover More Card Account number ending in 3039 Open Date: Dec 24, 2012- Close Date: Jan 23, 2013 Cordmember Since 1988 Page 1 of 4 PAYMENT INFORMATION New Balance Minimum Payment Due Payment Due Date $3,898.92 $104.00 February 18, 2013 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 29.99% variable. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no additional charges using this card and each month You pay;• You will payoff the balance shown on this statement in about... And you will end up paying on estimated total of... Only the minimum payment 30 years $17,176 $159 3 years $5,730 (Savings= $11,446) f you would like information about credit counseling services, call 1-800-347-1121. REWARDS Cashback Bonus® Opening Balance New Cashback Bonus This Period Redeemed This Period Cashback Bonus Balance To learn more, log in at Discover.com +$ —$ Anniversary Month May 18.87 0.00 0.00 18.87 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Payment CouponA Pay Online Pay by Phone Please do not fold, dip or staple.. Discover.com O 1-800-347-2683 II111 111111 t111111111111,11111111111111111111111111111111111111 LEONARD C BEISH 1505 LOUISA LN MECHANICSBURG PA 17050-7281 r Phone and Internet payments must be received by 5PM ET to be credited as of the same day. Address, e-mail or telephone changed? Note changes on reverse side. Account number ending in 3039 Minimum Payment Due $104.00 New Balance $3,898.92 Payment Due Date February 18, 2013 Amount enclosed $ PO BOX 71084 CHARLOTTE NC 28272-1084 111111IIIIIII,11 11 11111 1,I�IIIIII1 1IIIIIIIIII1III,III IMI 000001986458993810080038989200200000010400 LEONARD C BEISH Account number ending in 3039 Important Information See your Cardmember Agreement. Your Cordmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately! Call 1-800-347-2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is on error on your statement, write to us at: Discover, PO Box 30421, Soli Lake City, UT 84130-0421. You must write to us within 60 days after the error appeared on your statement. You may cull us, but if you do we are not required to investigate any potential errors, and you may have to pay the amount in question. The Billing Rights Notice further exploins your rights. A copy of this notice is available at www.Discover.com. Payments. You may pay all or part of your Account balance at any time. However, you must poy at least the Minimum Payment Due by the Payment Due Date. Send only your payment and the bottom portion of this statement in the envelope provided. Do not send cash. If you pay by check, you authorize us to use information on your check io make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. If o payment is processed as an electronic fund transfer, the transfer will be for the amount of the check. When we use 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 deloyed if you send cosh, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other thon 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 at our processing facility after 5PM local time will be credited to your Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197.6103. Please allow 7.10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. You can pay your monthly Minimum Payment Due, or 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 o recurring payment date (e.g., the 15th day of the month) that occurs before your Payment Due Date or Close Dote. If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bunk account information. You will be asked lo provide the lost four (4) digits of the social security number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeing to this authorization to ollow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bunk account. You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment. You con 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 be. CHANGE OF ADDRESS Open Date: Dec 24, 2012 - Close Dote: Jan 23, 2013 Page 2 of 4 You must ensure that sufficient funds are available in your bank account, and all tronsadions must comply with U.S. low. You con set outomotic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) Other dollar amount. If your scheduled "Other dollar amount' payment is not enough to cover the Minimum Payment Due os listed on your monthly billing statement, your scheduled payment for thot 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, thai payment will be'processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the billing statement based on credits or payments after the Close Dote. If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records. Amount: 0 Full Pay 0 Min Pay 0 Min Pay+ $ 0 Other Amount$ ; Bank Routing #: Bank Account # Monthly on the 0 Payment Due Date 0 Close Dote 0 Day of month (insert date) Credit Reporting. We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at the following address: Discover, PO Box 15316, Wilmington, DE 19850-5316. Please include your name, address, home telephone number and Account number. Paying Interest. Your due dote is at least 25 doys after the close of each billing period (at least 23 days for billing periods that begin in February). We will not charge you any interest on Purchases if you pay your entire 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 Doily Balance Method (including current transactions) to calculate the Balance Subject to Interest Rate. For more information, please call us at 1-800-347.2683. Balance Subject to Interest Rate. Your statement shows o Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rote is the overage of the daily balances during the billing period. Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of $1.00 or more after 6 months, or as otherwise required by applicable low, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover@ card is issued by Discover Bank, Member FDIC. TL23N If correct on front, do not use. Please print clearly in blue or block ink, in the space provided. Street Address City State, Zip Home Phone Work Phone Email To make changes to your address, email or telephone number, visit Discover.com Continued on next page Discover More Card Account number ending in 3039 Open Date: Dec 24, 2012 - Close Date: Jan 23, 2013 Page 3 of 4 CONTACT US Q Web Access your account securely al Discover.com Mobile Manage your account anytime, anywhere at m.Discover.com Phone 1 -800 -DISCOVER (1-800-347-2683) TDD 1-800-347-7449 Inquiry Discover PO Box 30943 Salt Lake City UT 84130 Mail Payments Discover PO Box 6103 Carol Stream IL 60197-6103 Transactions Payments and Credits Trans. Date Post Date Dec 31 Dec 31 PHONE PAYMENT - THANK YOU -102.00 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 88.86 0.00 0.00 88.86 2013 Totals Year -to -Date TOTAL FEES CHARGED IN 2013 TOTAL INTEREST CHARGED IN 2013 $ 0.00 $ 88.86 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 31 days TYPE OF BALANCE Purchases Cash Advances V=Variable Rate ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO (APR) INTEREST RATE 26.99% $3,876.12 29.99% $0.00 INTEREST CHARGE $88.86 $0.00 Information For You Your next automatic minimum payment of $104.00 will be on January 31, 2013. 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. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION New Balance $3,912.06 LEONARD C BEISH 1505 LOUISA LN MECHANICSBURG PA 17050-7281 Minimum Payment Due $102.00 Payment Due Date January 18, 2013 Address, e-mail or telephone change? Go to www.Discover.com or print change in space above. Account Number ending in 3039 Enter Amount Enclosed Below Thank you for your DirectPay automatic payment. Your next automaticpayment of $ 102.00 will be on 12/31/12. See Transactions section for additional details. PO BOX 71084 CHARLOTTE NC 28272-1084 000001986458993810080039120600000000010200 Opening Date: November 24, 2012 - Closing Date: December 23, 2012 Discover More Card Account Summary Account number ending in 3039 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $3,902.92 77.00 + 0.00 + 0.00 + 0.00 + 0.00 + 86.14 $3,912.06 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $4,000.00 $87.00 $2,000.00 $87.00 You may be able to avoid Interest Charges, see Additional Important Information For details. Cashback Bonus® Opening Cashback Bonus Balance New Cashback Bonus This Period Anniversary Month May 18.87 + 0.00 Cashback Bonus Balance $ 18.87 To learn more, log in at www.Discover.com 3 Easy Ways to Contact Us 1. Access your account securely at www.Discover.com 2. Call 1 -800 -DISCOVER (1-800-347-2683) Please have your Discover®card available. 3. Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197-6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800.347.7449. page 1 of 2 Payment Information New Balance Minimum Payment Due Payment Due Date $3,912.06 $102.00 January 18, 2013 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35.00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 29.99% variable. Minimum Payment Waming: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If°you makno...' addrdorml char0e usingsls card and. eacfr month you pa You will';payctff :' the baler ce shown ort this sfatamert rn aitoat Ansi you will enc€ up f:a)in o estimated;tok f Only the minimum payment 31 years $17,269 $160 3 years $5,749 :Savings5:4$191,520 $11,520 ) f you would like information about credit counseling services, call 1-800-347-1121. Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth moreSM —Find easy ways to earn and redeem cash rewards NEW! Access your account securely through your mobile phone Transactions Payments and Credits Trans. Post Date Date Nov 30 Nov 30 PHONE PAYMENT - THANK YOU $ -77.00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS $ 86.14 0.00 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean Tess clutter, more convenience Easily access up to 24 months of downloadable, password protected statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. • Sign up today at Discover.com/paperless 02010 Discover Bank, Member FDIC PAPER.0310 Transactions Trans. Post (cont.) Date Date Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 86.14 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 TOTAL INTEREST CHARGED IN 2012 $ 0.00 746.14 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCIVER DISCOVER It pays to LEONARD C BEISH Account number ending in 3039 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 30 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE (APR) INTEREST RATE Purchases 26.99% $3,882.93 $86.14 Cash Advances 29.99% $0 $0 V = Variable Rate Information For You Your next automatic minimum payment of $ 102.00 will be on 12/31/12. 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 Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately! CaII 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, Salt Lake City, UT 84130-0421. In your leiter, give us the following information: Account information- Your name and account number. Dollar amount: The dollar amount of the suspected error. Description of Problem- If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error, the following are true: We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. While you do not have to pay the amount in question, you are responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit. Your Rights Jf You Are Dissatisfied WiIh Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good Faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances From an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have Fully paid For the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Discover, PO Box 30945, Salt Lake Cify, UT 84130-0945 While we investigate, the same rules apply to the disputed amount as discussed above. Aker we Finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. Payments. You may pay all or part of your Account balance at any time. However, you must pay at least the Minimum Payment Due by the Payment Due Date. Send only your payment and the top portion of this statement in the envelope provided. Do not send cash. By sending your check as described above, you authorize us to use information on your check to make an electronic Fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. If payment is processed as an electronic fund transfer, the transfer will be For the amount of the check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. The processing of your payment may be delayed if you send cosh, correspondence or other items with your payment, if you send the payment fo any other address or if you use an envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day. Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103 Carol Stream, IL 60197-6103. Please allow 7.10 days For delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1-800-347-2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment date (e.g., the 15th day of the month) that occurs before your Payment Due Date. If your scheduled payment date falls on a weekend r bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4) digits of the social security number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account. You also authorize us to initiate debit or credit entries to your bank account, as applicable, fo correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1-800-347-2683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 84130-0421; however we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly biting statement when your payment will be made and how much it will be. You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. law. You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount. If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment isreater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. Ifyour scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only For the amount of your New Balance. Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credits or payments after the Closing Date. If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records. Amount: ❑ Full Pay ❑ Min Pay ❑ Min Pay + $ , 0 Fixed Pay$ Bank Routing #: ' Bank Account #: ; Frequency: Credit Reporting. We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. Ifou believe that our report is inaccurate or incomplete, please write us at the following address: Discover, PO Box 15316, Wilmington, DE 19850-5316. Please indicate your name, address, home telephone number and Account number. Paying Interest We begin to impose interest charges on a transaction Fee or interest charge From the day we add it to the daily balance. We continue to impose interest charges until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest on Balance Transfers or Cash Advances. 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 Gace Peyio• If you do not pay your New Balance in full eachmonth, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases. How We Calculate Interest Charges - Daily Balance Method (including current transactions): We calculate interest charges each billing period by first figuring the "daily balance" For each Transaction Category. Transaction Categories include standard Purchases, standard Cash Advances and different promotional balances, such as Balance Transfers. How We figure the Daily Balance for Each Transaction Category We start with the beginning balance For each day. The beginning balance for the first day of the billing period is your balance on the last day of your previous billing period We add any interest charges accrued on the previous day's daily balance and any new transactions and fees. We add any new transactions or fees as of the later of the Transaction Date or the first day of the billing period in which the transaction or fee posted to your Account. We subtract any new credits and payments. We make other adjustments (including those adjustments required in the "Paying Interest" section). How We Figure Your Total Interest Charges We multiply the daily balance for each Transaction Category by its daily periodic rate. We do this For each day in the billing period. This gives us the interest charges for each Transaction Category. To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365. We add up all the daily interest charges. The sum is the total interest charge for the billing period. How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category. We add Cash Advance Fees to the applicable Cash Advance Transaction Category. We add all other fees to the standard Purchase Transaction Category. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of $1.00 or more after 6 months, or as otherwise required by applicable law. For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discovermcard is issued by Discover Bank, Member FDIC RZNFE001 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCVER New Balance $3,902.92 LEONARD C BEISH 1505 LOUISA IN MECHANICSBURG PA 17050-7281 Minimum Payment Due $77.00 Payment Due Date December 18, 2012 Address, e-mail or telephone change? Go to www.Discover.com or print change in space above. Account Number ending in 3039 Enter Amount Enclosed Below Thank you for your DirectPay automatic payment. Your next automaticpayment of $ 77.00 will be on 11/30/12. See Transactions section For additional details. PO BOX 71084 CHARLOTTE NC 28272-1084 000001986458993810080039029200000000007700 Opening Date: October 24, 2012 - Closing Date: November 23, 2012 Discover More Card Account Summary Account number ending in 3039 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $3,921.48 78.00 + 0.00 + 0.00 + 0.00 + 0.00 + 59.44 $3,902.92 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 $4,000.00 $97.00 $2,000.00 $97.00 You may be able to avoid Interest Charges, see Additional Important Information for details. Cashback Bonus® Opening Cashback Bonus Balance New Cashback Bonus This Period Anniversary Month May $ 18.87 + 0.00 Cashback Bonus Balance $ 18.87 To lecm more, log in atwww.Discover.com 3 Easy Ways to Contact Us 1. Access your account securely at www.Discover.com 2. Call 1 -800 -DISCOVER (1-800-347-2683) Please have your Discover® card available. 3. Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments, lease send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197-6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800.347.7449. page 1 of 2 Payment Information New Balance Minimum Payment Due Payment Due Date $3,902.92 $77.00 December 18, 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 29.99% 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: IEyou make r additional charges tieing tfifscard and each month: au pay. YouwiH; ayuEf; the batot 4e shcOi on this ttatettt lit And you will' e up ,aymg ao . estimated total .. Only the minimum payment 30 years $17,204 $159 3 years $5,735 Savings = $11,469 ) If you would like information about credit counseling services, call 1-800-347-1121. Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth moreSM —find easy ways to earn and redeem cash rewards NEW! Access your account securely through your mobile phone Transactions Payments and Credits Trans. Post Date Date Oct 31 Oct 31 PHONE PAYMENT - THANK YOU $ -78.00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Merest Charged INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS $ 59.44 0.00 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC•VER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadoble, password protected statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. • Sign up today at Discovercom/paperless 02010 Discover Bank, Member FDIC PAPER.0310 Transactions Trans. Post (cont.) Date Date Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 59.44 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 TOTAL INTEREST CHARGED IN 2012 $ 0.00 660.00 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER It pays to DISCOVER' LEONARD C BEISH Account number ending in 3039 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 31 days TYPE OF BALANCE ANNUAL PERCENTAGE RATE (APR) Purchases 17.99% Cash Advances 17.99% V = Variable Rate BALANCE SUBJECT TO INTEREST RATE $3,889.89 so INTEREST CHARGE $59.44 $0 Information For You Your next automatic minimum payment of $ 77.00 will be on 11/30/12. 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 Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately! Call 1-800-347-2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at: Discover, PO Box 30421, Salt Lake City, UT 84130.0421. In your letter, give us the following information: Account information. Your name and account number. Dollar amount: The dollar amount of the suspected error. Description of Problem. If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors jn writing. You may call us, but if you do we are not required to investigate any Potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error, the following are true: We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. While you do not have to pay the amount in question, you are responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit. Your Rights if You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid For the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Discover, PO Box 30945, Salt Lake City, UT 84130-0945 While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. Payments. You may pay all or part of your Account balance at any time. However, you must pay at least the Minimum Payment Due by the Payment Due Date. Send only your payment and the top portion of this statement in the envelope provided. Do not send cash. By sending your check as described above, you authorize us to use information on your check to make an electronic Fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. If payment is processed as an electronic fund transfer, the transfer will be for the amount of the check. When we use information from your check to make an electronic fund transfer, hinds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day. Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103 Carol Stream, IL 60197-6103. Please allow 7-10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you con setup automatic payments through a customer service representative by calling 1-800-347-2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment date (e.g. the 15th dayof the month) that occurs before your Payment Due Date. If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4) digits of te social security number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account. You also authorize us to initiate debit or credit entries to your bank account, as applicable, fo correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1-800-347-2683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 84130-0421; however we must receive notice at least three business days in advance of he scheduled payment. If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be. You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. low. You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a Fixed dollar amount, or (iv) a fixed dollar amount. If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. If your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only For the amount of your New Balance. Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credits or payments after the Closing Date. If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records. Amount: ❑ Full Pay ❑ Min Pay ❑ Min Pay + $ ❑ Fixed Pay$ Bank Routing #: • Bank Account #: ; Frequency: Credit Reporting. We may report information about your Account to credit bureaus. late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. Ifou believe that our report is inaccurate or incomplete, please write us at the following address: Discover, PO Box 15316, Wilmington, DE 19850-5316. Please indicate your name, address, home telephone number and Account number. Paying Interest We begin to impose interest charges on a transaction Fee or interest charge From the day we add it to the daily balance. We continue to impose interest charges until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest on Balance Transfers or Cash • Advances. How to Avoid Paying Interest on Purchases ("Grace Period") If you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases, or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement. New Purchases are Purchases that first appear on the current billing statement. How We Apply Payments May Impact Your Grace Period If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases. How We Calculate Interest Charges - Daily Balance Method (including current transactions): We calculate interest charges each billing period by first figuring the "daily balance" for each Transaction Category. Transaction Categories include standard Purchases, standard Cash Advances and different promotional balances, such as Balance Transfers. How We Figure the Daily Balance for Each Transaction Category We start with the beginning balance for each day. The beginning balance For the First day of the billing period is your balance on the last day of your previous billing period. We add any interest charges accrued on the previous day's daily balance and any new transactions and fees. We add any new transactions or fees as of the later of the Transaction Date or the first day of the billing period in which the transaction or fee posted to your Account. We subtract any new credits and payments. We make other adjustments (including those adjustments required in the "Paying Interest" section). How We Figure Your Total Interest Charges We multiply the daily balance for each Transaction Category by its daily periodic rate. We do this for each day in the billing period. This gives us the interest charges for each Transaction Category. To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365. We add up all the daily interest charges. The sum is the total interest charge for the billing period. How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category. We add Cash Advance Fees to the applicable Cash Advance Transaction Category. We add all other fees to the standard Purchase Transaction Category. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. Ii shows this for each transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. Credit Balances. If your Account has o credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of $1.00 or more after 6 months, or as otherwise required by applicable law. For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover®card is issued by Discover Bank, Member FDIC RZNFE001 Questions? visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER New Balance $3,921.48 LEONARD C BEISH 1505 LOUISA LN MECHANICSBURG PA 17050-7281 Minimum Payment Due $78.00 Payment Due Date November 18, 2012 Address, e-mail or telephone change? Go to www.Discover.com or print change in space above. Account Number ending in 3039 Enter Amount Enclosed Below Thank you for your DirectPay automatic payment. Your next automatic payment of $ 78.00 will be on 10/31/12. See Transactions section for additional details. PO BOX 71084 CHARLOTTE NC 28272-1084 000001986458993810080039214800000000007800 Opening Date: September 24, 2012 - Closing Date: October 23, 2012 Discover More Card Account Summary Account number ending in 3039 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $3,941.70 78.00 + 0.00 + 0.00 + 0.00 + 0.00 + 57.78 $3,921.48 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 $4,000.00 $78.00 $2,000.00 $78.00 You may be able to avoid Interest Charges, see Additional Important Information for details. Cashback Bonus® Opening Cashback Bonus Balance New Cashback Bonus This Period Anniversary Month May $ 18.87 + 0.00 Cashback Bonus Balance $ 18.87 To learn more, log in atwww.Discover.com 3 Easy Ways to Contact Us 1. Access your account securely at www.Discover.com 2. Call 1 -800 -DISCOVER (1.800-347-2683) Please have your Discover®card available. 3. Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments, lease send to address on remittance or Discover, PO Bpox 6103, Carol Stream, IL 60197.6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1.800.347.7449. page 1 of 2 Payment Information New Balance Minimum Payment Due Payment Due Date $3,921.48 $78.00 November 18, 2012 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35.00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 22.99% variable. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: you ma a no add[tional.driar8u cuing tli& car3 And,youwill; estimated>total Only the minimum payment 31 years $17,227 $160 3 years $5,743 Savings = $11,484 ) If you would like information about credit counseling services, call 1.800-347-1121. Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth moreSM-find easy ways to earn and redeem cash rewards NEW! Access your account securely through your mobile phone Transactions Payments and Credits Trans. Post Date Date Sep 30 Sep 30 PHONE PAYMENT - THANK YOU $ -78.00 Foos TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS $ 57.78 0.00 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean Tess clutter, more convenience Easily access up to 24 months of downloadable, password protected statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. • Sign up today at Discover.com/paperless 02010 Discover Bank, Member FDIC PAPER.0310 Transactions Trans. Post (cont.) Date Date Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 57.78 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 TOTAL INTEREST CHARGED IN 2012 $ 0.00 600.56 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER It pays to DISCOVER' LEONARD C BEISH Account number ending in 3039 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 30 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE (APR) INTEREST RATE Purchases 17.99% $3,907.24 $57.78 Cash Advances 17.99% $0 $0 V = Variable Rate Information For You Your next automatic minimum payment of $ 78.00 will be on 10/31 / 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 Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately! CaII 1-800-347-2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at: Discover, PO Box 30421, Salt Lake City, UT 84130-0421. In your letter, give us the following information: Account information: Your name and account number. Dollar amount: The dollar amount of the suspected error. Description of Problem- If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any Potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error, the following are true: We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. While you do not have to pay the amount in question, you are responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit. Your Rightsjf You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Discover, PO Box 30945, Salt Lake City, UT 84130-0945 While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. Payments. You may pay all or part of your Account balance at any time. However, you must pay at least the Minimum Payment Due by the Payment Due Date. Send only your payment and the top portion of this statement in the envelope provided. Do not send cash. By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the Financial institution indicated on your check or to process the payment as a check transaction. If payment is processed as an electronic fund transfer, the transfer will be For the amount of the check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day. Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103 Carol Stream, IL 60197-6103. Please allow 7-10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1-800-347-2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment date (e.g., the 15th dayof the month) that occurs before your Payment Due Date. If your scheduled payment date falls on a weekend r bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4) digits of the social security number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account. You also authorize us to initiate debit or credit entries to your bank account, as applicable, fo correct an error in the processing of such payment. You can cancel a scheduled payment by phone 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 he scheduled payment. If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be. You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. law. You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount. If your scheduled Fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. It your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only For the amount of your New Balance. Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credits or payments after the Closing Date. If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records. Amount: ❑ Full Pay ❑ Min Pay ❑ Min Pay + $ , D Fixed Pay$ Bank Routing #: ; Bank Account #: ; Frequency: Credit Reporting. We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. Ifou believe that our report is inaccurate or incomplete, please write us at the following address: Discover, PO Box 15316, Wilmington, DE 19850-5316. Please indicate your name, address, home telephone number and Account number. Paying Interest We begin to impose interest charges on a transaction Fee or interest charge From the day we add it to the daily balance. We continue to impose interest charges until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest on Balance Transfers or Cash Advances. 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 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 Calculate Interest Charges - Daily Balance Method (including current transactions): We calculate interest charges each billing period by first figuring the daily balance" for each Transaction Category. Transaction Categories include standard Purchases, standard Cash Advances and different promotional balances, such as Balance Transfers. How We Figure the Daily Balance for Each Transaction Category We start with the beginning balance for each day. The beginning balance for the first day of the billing period is your balance on the last day of your previous billing period. We add any interest charges accrued on the previous day's daily balance and any new transactions and fees. We add any new transactions or fees as of the later of the Transaction Date or the first day of the billing period in which the transaction or fee posted to your Account. We subtract any new credits and payments. We make other adjustments (including those adjustments required in the "Paying Interest" section). How We Figure Your Total Interest Charges We multiply the daily balance for each Transaction Category by its daily periodic rate. We do this for each day in the billing period. This gives us the interest charges for each Transaction Category. To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365. We add up all the daily interest charges. The sum is the total interest charge for the billing period. How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category. We add Cash Advance Fees to the applicable Cash Advance Transaction Category. We add all other fees to the standard Purchase Transaction Category. Balance Subject to Interest Rab. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of $1.00 or more after 6 months, or as otherwise required by applicable law. For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800.347.7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover®card is issued by Discover Bank, Member FDIC RZNFE001 Questions? Visit www.Discovsr.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER New Balance $3,941.70 LEONARD C BEISH 1505 LOUISA LN MECHANICSBURG PA 17050-7281 Minimum Payment Due 578.00 Payment Due Date October 18, 2012 Address, e-mail or telephone change? Go to www,Discover.com or print change in space above. Account Number ending in 3039 Enter Amount Enclosed Below Thank you for your DirectPay automatic payment. Your next automaticpayment of $ 78.00 will be on 09/30/12. See Transactions section for additional details. PO BOX 71084 CHARLOTTE NC 28272-1084 000001986458993810080039417000000000007800 Opening Date: August 24, 2012 - Closing Date: September 23, 2012 Discover More Card Account Summary Account number ending in 3039 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $3,959.67 78.00 + 0.00 + 0.00 + 0.00 + 0.00 + 60.03 33,941.70 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 $4,000.00 $58.00 $2,000.00 $58.00 You may be able to avoid Interest Charges, see Additional Important Information for details. Cashback Bonus® Opening Cashback Bonus Balance New Cashback Bonus This Period Anniversary Month May 18.87 + 0.00 Cashback Bonus Balance $ 18.87 To learn more, log in at www.Discover.com 3 Easy Ways to Contact Us 1. Access your account securely at www.Discover.com 2. Call 1 -800 -DISCOVER (1-800.347-2683) Please have your Discover® card available. 3. Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments, lease send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197.6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1.800.347.7449. page 1 of 2 Payment Information New Balance Minimum Payment Due Payment Due Date $3,941.70 $78.00 October 18, 2012 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35.00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 22.99% variable. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: if you rnakta _no addidcsnal d iar using Ibis card and e.400month you pay Ytsu willpay tall . the lxaI ai a shtyw t can thts et *trent m abaui And you will enc[ 1'ayn&an:. eatlmated total a! Only the minimum payment 31 years $17,307 $160 3 years $5,755 ,Savings = $11,552 ) 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 moreSM — 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 Aug 31 Aug 31 PHONE PAYMENT - THANK YOU $ -78.00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS $ 60.03 0.00 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC•VER Paperless statements mean Tess clutter, more convenience Easily access up to 24 months of downloadable, password protected statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. • Sign up today at Discover.com/paperless 02010 Discover Bonk, Member FDIC PAPER.0310 Transactions (cont.) Trans. Post Date Date Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 60.03 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 TOTAL INTEREST CHARGED IN 2012 $ 0.00 542.78 Questions? visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER DISCOVER' It LEONARD C BEISH Account number ending in 3039 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 31 clays TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE (APR) INTEREST RATE Purchases 17.99% $3,928.36 $60.03 Cash Advances 17.99% $0 $0 V = Variable Rate Information For You **Discover Home Loans State Licensing Info** Not all applicants are approved. Terms and conditions apply. AZ Mortgage Banker UC No. 0919392; Licensed by the Dept of Corporations under the CA Residential Mortgage lending Act; Regulated by the CO Division of Real Estate; GA Residential Mortgage Licensee #33265; IL Residential Mortgage Licensee #MB.6760852-Dept of Financial Regulation, 100 W Randolph, 9th Floor, Chicago, IL 60601; MA Mortgage Lender & Mortgage Broker UC #MC837915; Licensed by the MS Dept of Banking and Consumer Finance; Licensed by the NH Banking Dept; NJ Residential Mortgage Lender UC; OH Mortgage Broker Act Mortgage Banker Exemption #MBMB.850150.000; OR Mortgage Lender UC #ML -5100; Licensed by the PA Dept of Banking; VA Exempt Company Registration; Licensed in WA under the name of DFS HL Inc., Consumer Loan UC #CL -837915; Discover Home Loans, Inc.'s NMLS #837915. Not available in NV, NY & RI Your next automatic minimum payment of $ 78.00 will be an 09/30/12. 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 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 Sfatewae st If you think there is an error on your statement, write to us at: Discover, PO Box 30421, Salt Lake City, UT 84130-0421. In your letter, give us the following information: Account information- Your name and account number. Dollar amount. The dollar amount of the suspected error. Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error, the following are true: We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other Fees related to that amount. While you do not hove toy the amount in question, you are responsible for the remainder of your balance. We can apply any unpaid against your credit limit. Your Rights 0 You Are Dissatisfied With Your Credit Cardi'urchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid For the purchase. IF all of the criteria above are met and you are still dissatisfied with the purchase, contact us inin writing at: Discover, PO Box 30945, Salt Lake City, UT 84130-0945 While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. Payments. You may pay all or part of your Account balance at any time. However, you must pay at least the Minimum Payment Due by the Payment Due Date. Send only your payment and the top portion of this statement in the envelope provided. Do not send cash. By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. If payment is processed as an electronic fund transfer, the transfer will be For the amount of the check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back From your financial institution. The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment fo any other address or if you use an envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day. Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103 Carol Stream, IL 60197-6103. Please allow 7-10 days For delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1-800-347-2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment date (e.g. the 15th day of the month) that occurs before your Payment Due Date. If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4) digits of the social security number of the pnmary 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 crediit 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 he scheduled payment. If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be. You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. law. You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount. If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. If your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance. Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credits or payments after the Closing Date. IF you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records. Amount: ❑ Full Pay ❑ Min Pay ❑ Min Pay + $ ❑ Fixed Pay$ Bank Routing #: ; Bank Account #: ; Frequency: Credit Reporting. We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. Ifou believe that our report is inaccurate or incomplete, please write us at the following address: Discover, PO fax 15316, Wilmington, DE 19850-5316. Please indicate your name, address, home telephone number and Account number. Paying Interest: We begin to impose interest charges on a transaction fee or interest charge from the day we add it to the daily balance. We continue to impose interest charges until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest on Balance Transfers or Cash Advances. How to Avoid Paying Interest on Purchases ("Grace Period") If you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement. New Purchases are Purchases that first appear on the current billing statement. How We Apply Payments May Impact Your Grace Period If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases. How We Calculate Interest Charges - Daily Balance Method (including current transactions): We calculate interest charges each billing period by first figuring the "daily balance" for each Transaction Category. Transaction Categories include standard Purchases, standard Cash Advances and different promotional balances, such as Balance Transfers. How We Figure the Daily Balance for Each Transaction Category We start with the beginning balance for each day. The beginning balance for the first day of the billing period is your balance on the last day of your previous billing period. We add any interest charges accrued on the previous day's daily balance and any new transactions and fees. We add any new transactions or fees as of the later of the Transaction Date or the first day of the billing period in which the transaction or fee posted to your Account. We subtract any new credits and payments. We make other adjustments (including those adjustments required in the "Paying Interest" section). How We Figure Your Total Interest Charges We multiply the daily balance For each Transaction Category by its daily periodic rate. We do this For each day in the billing period. This gives us the interest charges For each Transaction Category. To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365. We add up all the daily interest charges. The sum is the total interest charge for the billing period. How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category. We add Cash Advance Fees to the applicable Cash Advance Transaction Category. We add all other fees to the standard Purchase Transaction Category. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of $1.00 or more after 6 months, or as otherwise required by applicable law. For TDD (Telecommunications Device for the Deaf) assistance, please cel 1-800-347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover®card is issued by Discover Bank, Member FDIC RZNFE001 Questions? visa www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER New Balance $3,959.67 LEONARD C BEISH 1505 LOUISA LN MECHANICSBURG PA 17050-7281 Minimum Payment Due $78.00 Payment Due Date September 18, 2012 Address, e-mail or telephone change? Go to www.Discover.com or print change in space above. Account Number ending in 3039 Enter Amount Enclosed Below Thank you for your DirectPay automatic payment. Your next automatic payment of $ 78.00 will be on 08/31/12. See Transactions section for additional details. PO BOX 71084 CHARLOTTE NC 28272-1084 000001986458993810080039596700000000007800 Opening Date: July 24, 2012 - Closing Date: August 23, 2012 Discover More Card Account Summary Account number ending in 3039 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $3,978.37 79.00 + 0.00 + 0.00 + 0.00 + 0.00 + 60.30 $3,959.67 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available 34,000.00 $40.00 $2,000.00 $40.00 You may be able to avoid Interest Charges, see Additional Important Information for details. Cashback Bonus® Opening Cashback Bonus Balance New Cashback Bonus This Period Anniversary Month May 18.87 + 0.00 Cashback Bonus Balance $ 18.87 To learn more, log in atwww.Discover.com 3 Easy ways to Contact Us 1. Access your account securely at www.Discover.com 2. Call 1 -800 -DISCOVER (1-800-347-2683) Please have your Discover® card available. 3. Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197.6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449. page 1 of 2 Payment Information New Balance Minimum Payment Due Payment Due Date $3,959.67 $78.00 September 18, 2012 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35.00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 22.99% variable. Minimum Payment 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 ygv make A additional efsarges using th1 card and . such r rontfh pay Yct i.w)Olpoy Jf <:: the bafsttice. ahvwn vn this statement rn about Arid you' will up payVr Or estimated tQtgl a Only the minimum payment 31 years $17,384 $160 3 years $5,762 (Savings = $11,622 ) If you would like information about credit counseling services, call 1.800.347.1121. Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth moreSM—find easy ways to earn and redeem cash rewards NEW! Access your account securely through your mobile phone Transactions Payments and Credits Trans. Post Date Date Jul 31 Jul 31 PHONE PAYMENT - THANK YOU $ -79.00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS $ 60.30 0.00 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadable, possword protected statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. • Sign up today at Discover.com/paperless 02010 Discover Bonk, Member FDIC PAPER.0310 Transactions Trans. Post (cont.) Date Date Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 60.30 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 TOTAL INTEREST CHARGED IN 2012 $ 0.00 482.75 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER It pays to DISCOVER' LEONARD C BEISH Account number ending in 3039 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 31 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE (APR) INTEREST RATE Purchases 17.99% $3,946.42 $60.30 Cash Advances 17.99% $0 $0 V = Variable Rate Information For You Your next automatic minimum payment of $ 78.00 will be on 08/31/12. 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 Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately! CaII 1-800-347-2683. What To DoJf You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at: Discover, PO Box 30421, Salt Lake City, UT 84130-0421. In your letter, give us the following information: Account information: Your name and account number. Dollar amount. The dollar amount of the suspected error. Description of Problem• If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error, the following are true: We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain 'on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made 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 card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have Fully paid For the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Discover, PO Box 30945, Salt Lake City, UT 84130-0945 While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. Payments. You may pay all or part of your Account balance at any time. However, you must pay at least the Minimum Payment Due by the Payment Due Date. Send only your payment and the top portion of this statement in the envelope provided. Do not send cash. By sending your check as described above, you authorize us to use information on your check to make an electronic Fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. If payment is processed as an electronic fund transfer, the transfer will be for the amount of the check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment fo any other address or if you use an envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day. Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103 Carol Stream, IL 60197.6103. Please allow 7-10 days For delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1-800-347-2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment date (e.g., the 15th day of the month) that occurs before your Payment Due Date. If your scheduled payment date falls on a weekend r bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4) digits of the social security number of the pnmary borrower. By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account. You also authorize us to initiate debit or credit entries to your bank account, as applicable, fo correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1-800-347-2683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 84130-0421; however we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be. You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. law. You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount. If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment isreater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. IF9your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the periodic statement based on credits or payments after the Closing Date. If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records. Amount: ❑ Full Pay ❑ Min Pay ❑ Min Pay + $ ❑ Fixed Pay$ Bank Routing #: • Bank Account #: • Frequency: Credit Reporting. We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. Ifou believe that our report is inaccurate or incomplete, please write us at the following address: Discover, PO Box 15316, Wilmington, DE 19850-5316. Please indicate your name, address, home telephone number and Account number. Paying Interest: We begin to impose interest charges on a transaction Fee or interest charge from the day we add it to the daily balance. We continue to impose interest charges until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest on Balance Transfers or 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 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 Calculate Interest Charges - Daily Balance Method (including current transactions): We calculate interest charges each billingperiod by first figuring the "daily balance for each Transaction Category. Transaction Categories include standard Prchases, standard Cash Advances and different promotional balances, such as Balance Transfers. How We Figure the Daily Balance for Each Transaction Category We start with the beginning balance for each day. The beginning balance for the first day of the billing period is your balance on the last day of your previous billing period. We add any interest charges accrued on the previous day's daily balance and any new transactions and fees. We add any new transactions or Fees as of the later of the Transaction Date or the first day of the billing period in which the transaction or fee posted to your Account. We subtract any new credits and payments. We make other adjustments (including those adjustments required in the "Paying Interest" section). How We Figure Your Total Interest Charges We multiply the daily balance For each Transaction Category by its daily periodic rate. We do this for each day in the billing period. This gives us the interest charges for each Transaction Category. To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365. We add up all the daily interest charges. The sum is the total interest charge for the billing period. How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category. We add Cash Advance Fees to the applicable Cash Advance Transaction Category. We add all other fees to the standard Purchase Transaction Category. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of $1.00 or more after 6 months, or as otherwise required by applicable law. For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover®card is issued by Discover Bank, Member FDIC RZNFE00I Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW DISCOVER BANK Plaintiff vs. LEONARD C BEISH Defendant(s) Civil Action No. 14-6162 CIVIL CERTIFICATE OF SERVICE I, Jonathan P. Cawley, Esq., certify that on December 12, 2014, I served a copy of Plaintiffs Response to Defendant's Preliminary Objections and Plaintiff's Brief in Support of its Response to Defendant's Preliminary Objections, first-class United States mail, postage prepaid, upon the following: Robert D Klingensmith, Esq 209 West Patriot Street Somerset PA 15501 DATE: December 12, 2014 ZWICKER & ASSO ATES, P. C Attorneys for Plaintiff A Law Firm Engaged in Debt Collection Jonathan P. Cawley, Esq PA Bar Id No. 79884 500 Office Center Drive, Suite 400 Ft. Washington, PA 19034 m rd 877-297-1183 Zwicker & Associates, PC 500 Office Center Drive, Suite 400 Ft. Washington, PA 19034 877-297-1183 Attorneys for Plaintiff f 1:67 RUWY y «A IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW DISCOVER BANK Plaintiff vs. Civil Action No. 14-6162 CIVIL LEONARD C BEISH Defendant(s) PLAINTIFF'S RESPONSE TO DEFENDANT'S PRELIMINARY OBJECTIONS Plaintiff, Discover Bank, by its attorneys, Zwicker & Associates, P. C, responds as follows to Defendant's Preliminary Objections: 1. Admitted 2. Denied. 3. Denied. DB Servicing Corporation is the servicing affiliate of Discover Bank and is therefore the correct entity to verify the Complaint. In addition, attached to this response as Exhibit A, is a copy of a Second Amended and Restated Services Addendum between DB Services Corporation and Discover Bank (hereafter Services Addendum). The Service Addendum provides in relevant part: "DB Servicing Corporation (the `Servicing Party') hereby agrees to provide to Discover Bank (the `Receiving Party') the services described below...Collection services for Card...Receiving Party hereby authorizes Servicing Party to execute any and all affidavits, certifications, verifications and/or other agreements and documentation necessary for Servicing Party to perform the services to be provided by Servicing Party hereunder, including, without limitation, Collection Services." 4. Admitted. 5. Admitted 6. Denied. Pa. R.C.P No 1024 requires that a verification be signed by a person with knowledge sufficient to sign same. 7. Denied. An employee of DB Servicing Corporation is the proper entity. See also response to paragraph 3 above. 8. Denied. See response to paragraphs 6 and 7 above. 9. Admitted 10. Denied. 11. Denied. 12. Denied 13. Requires a legal conclusion therefore denied. In addition, by Praecipe to Substitute Exhibit dated December 11, 2014, Plaintiff substituted Exhibit B to its Complaint with Records of the Account for the period July 24, 2012 to August 23, 2014, which show Defendant's use of the account, Defendant's payments and calculation of the amount due. 14. See response to paragraph 13 above. 15. See response to paragraph 13 above. 16. See response to paragraph 13 above. 17. See response to paragraph 13 above. 18. See response to paragraph 13 above. 19. See response to paragraph 13 above 20. See response to paragraph 13 above. 21. See response to paragraph 13 above 22. See response to paragraph 13 above. 23. See response to paragraph 13 above. 24. See response to Paragraph 13 above. In addition, pursuant to Discover Bank v. Stucka. 33 A.3d 82, (Pa. Super 2011), Plaintiff is not required to attach a signed copy of the terms and conditions to its Complaint. 25. See response to Paragraphs 13 and 24 above. 26. See response to Paragraphs 13 and 24 above. 27. See response to Paragraphs 13 and 24 above. 28. See response to Paragraphs 13 and 24 above. WHEREFORE, Plaintiff respectfully requests that this Court enter an Order overruling Defendant's Preliminary Objections and direct Defendant to file an Answer within 20 days of the date of the Order. DATE: December 2014 cy,-71 P ZWICKER & AS'SOCIATES, P. C Attorneys for Plaintiff A Law Firm Engaged in Debt Collection Jonathan P. Cawley, Esq PA Bar Id No. 79884 500 Office Center Drive, Suite 400 Ft. Washington, PA 19034 877-297-1183 SECOND AMENDED AND RESTATED SERVICES ADDENDUM This Second Amended and Restated Services Addendum is dated as of December 1, 2013 and is entered into pursuant to and incorporated by reference into the Master Services Agreement dated as of January 1, 2013 by and among the parties thereto, including each of the undersigned (the "Master Services Agreement"). DB Servicing Corporation (the "Servicing Party") hereby agrees to provide to Discover Bank (the "Receiving Party") the Services described below. The provision of Services hereunder shall be governed by the terms of the Master Services Agreement. All capitalized terms used and not defined herein shall have the meanings ascribed thereto in the Master Services Agreement. This Second Amended and Restated Services Addendum supersedes and replaces the Amended and Restated Services Addendum dated as of August 15, 2013 between Servicing Party and Receiving Party. Services to be Provided In addition to services as agreed from time to time by the Parties, Servicing Party will perform the following Services for, or on behalf of, Receiving Party: • Payroll and similar functions for certain Bank Executive Management • Finance, Accounting and Treasury • Law and Compliance • Customer Services, Call Center support, Acquisition services, and Collections services for Card, Student Loans and Personal Loans o Customer Services, Call Center Support, Collections and other customer -facing services performed by the Servicing Party hereunder shall be provided in a manner consistent with the service level agreements (the "SLAs") attached hereto as Schedule 1, as applicable Authorization Receiving Party hereby authorizes Servicing Party to execute any and all affidavits, certifications, verifications and/or other agreements and documentation necessary for Servicing Party to perform the services to be provided by Servicing Party hereunder, including, without limitation, Collections services. Fees, Expenses and Payment for Services to be Provided Fees for Services to be provided under this Addendum shall be determined for each support function providing services to the Receiving Party largely consistent with an internal management reporting process for allocating costs. The method for determining cost allocation will be made in consultation with the cost center manager for the respective support function and will utilize a combination of one or more of the following cost allocation methods: • Usage: meaning costs will be based on actual or planned costs; • Business specific: meaning that no allocation methods are necessary as the related cost center captures costs of one business exclusively; • Time spent: meaning a direct reflection of the support provided to each business; • Headcount FTE: meaning costs will be allocated to each business based on the percentage of each business's FTE to sum of total FTE; and • Percentage of operating expenses: meaning certain costs are allocated to businesses based on the overall percentage of costs being absorbed by each business Mark-up Servicing Party will charge Receiving Party at the cost of Servicing Party's expenses plus 2%. The Parties intend for the cost allocation, in all cases, to be on terms and under circumstances, including credit standards (if applicable), that are substantially the same or at least as favorable to the Bank or Bank subsidiary as those prevailing at the time for comparable transactions with or involving unaffiliated third parties. The Parties shall not impose any allocation on the Bank or Bank subsidiary that is inconsistent with that intent and, if it is determined by the Bank or Bank subsidiary in good faith or any regulatory body with supervisory authority over the Bank that an allocation hereunder is inconsistent with that intent, the Parties shall promptly modify the terms accordingly and shall adjust any prior allocations that violate that intent. The parties agree that the fees payable to the Servicing Party hereunder shall not exceed the fees the Servicing Party would have received for similar services provided to an unaffiliated third party. DB SERVICING CORPORATION DISCOVER BANK By: L�{��� By: Name: Carlos Minetti Name: Michael F. Rickert Title: Executive Vice President Title: VP, CFO and Assistant Treasurer Mark-up Servicing Party will charge Receiving Party at the cost of Servicing Party's expenses plus 2%. The Parties intend for the cost allocation, in all cases; to be on terns and under circumstances, including credit standards (if applicable), that are substantially the same or at least as favorable to the Bank or Bank subsidiary as those prevailing at the time for comparable transactions with or involving unaffiliated third parties. The Parties shall not impose any allocation on the Bank or Bank subsidiary that is inconsistent with that intent and, if it is determined by the Bank or Bank subsidiary in good faith or any regulatory body with supervisory authority over the Bank that an allocation hereunder is inconsistent with that intent, the Parties shall promptly modify the terms accordingly and shall adjust any prior allocations that violate that intent. The parties agree that the fees payable to the Servicing Party hereunder shall not exceed the fees the Servicing Party would have received for similar services provided to an unaffiliated third party. DB SERVICING CORPORATION DISCOVER BANK By: Name: Carlos Minetti Title: Executive Vice President By: Name: Michael F. Rickert Title: VP, CFO and Assistant Treasurer Service: Cardmember Assistance — Recovery Collections Services Provided: Live telephone, automated telephone (integrated voice response ("IVR")), pre -legal processing, vendor placement management, vendor monitoring and vendor audit for the collection of delinquent post -charge off loans of Discover Card cardholders. Hours of Operation: Monday—Sunday, 9:00 a.m. - 12:00 a.m. ET Key Service Metrics: (a) Speed of answer. For live telephone whether internal or placed at a vendor, the average time that a caller waits to speak with a telephone representative on a call that requires live interaction after the caller enters all required information into the IVR; and for "chat" service, the average wait time between transmission of an inquiry and transmission of the associated response. (b) System availability. For each automated system, the percentage of time, assuming a baseline of continuous availability, excepting reasonably infrequent scheduled maintenance periods that such system is fully operational and available for use by customers. (c) Efficiency. For each channel placement of post -charge off debt recovery (Internal, Agency, or Attorney) interaction, the unit cost (internally) or fee rate per collection. (d) Compliance. Frequency at which telephone representatives and vendors fail to make all required disclosures or follow required processes evaluated by vendor audit (for external placements, attorneys or agency channels). (e) Quality. Internal or External Telephone representatives' success at the liquidation of charged -off debt from charged -off cardholders and addressing these cardholders concerns and questions, based upon criteria established by the service provider and the client, and evaluated by an independent third party. Service: Cardmember Assistance — Open File Collections Services Provided: Live telephone, automated telephone (integrated voice response ("IVR")), website - based representative assisted (i.e. "chat") services and website -based self-service for the collection of delinquent pre -charge off loans of Discover Card cardholders. Hours of Operation: Monday —Sunday, 9:00 a.m. - 12:00 a.m. ET Key Service Metrics: (a) Speed of answer. For live telephone, the average time that a caller waits to speak with a telephone representative on a call that requires live interaction after the caller enters all required information into the IVR; and for "chat" service, the average wait time between transmission of an inquiry and transmission of the associated response. (b) System availability. For each automated system, the percentage of time, assuming a baseline of continuous availability, excepting reasonably infrequent scheduled maintenance periods that such system is fully operational and available for use by customers. (c) Efficiency. For each delinquent level and/or segment interaction, the unit cost per customer. (d) Compliance. Frequency at which telephone representatives fail to make all required disclosures. (e) Quality. Telephone representatives' success at resolving the repayment of customers' past due amounts and otherwise addressing customers concerns under delinquent conditions, based upon criteria established by the service provider and the client, and evaluated by an independent third party. Service: Discover Card Customer Service and Engagement Services Provided: Live telephone, automated telephone (integrated voice response ("IVR")), website - based representative assisted (i.e. "chat") services and website -based self-service for Discover Card cardholders, for both servicing and marketing purposes. Hours of Operation: Key Service Metrics: 24 hours/day, except for chat chat: Monday — Friday, 7:00 a.m. - 1:00 a.m. ET Saturday — Sunday, 7:00 a.m. - 12:00 p.m. ET (a) Speed of answer. For live telephone, the average time that a caller waits to speak with a telephone representative on a call that requires live interaction after the caller enters all required information into the IVR; and for "chat" service, the average wait time between transmission of an inquiry and transmission of the associated response. (b) "Brand promise." For live telephone, the frequency at which a caller waits to speak with a telephone representative for more than 60 seconds after entering all required information into the IVR. (c) System availability. For each automated system, the percentage of time, assuming a baseline of continuous availability, excepting reasonably infrequent scheduled maintenance periods, that such system is fully operational and available for use by customers. (d) Efficiency. For each service channel and type of interaction (servicing, marketing and specialty) the unit cost per episode. Generally, "marketing" interactions range from taking new account applications by telephone to responding to solicitations to, and otherwise encouraging, balance transfers, purchase or utilization of additional products. "Specialty" interactions include charge disputes, call escalations and guidance on usage of self-service tools. Interactions that are neither "marketing" nor "specialty," and are not outside of the scope of services provided by the business unit (such as new accounts and security, both of which are conducted by Corporate Risk Management and Assessment business unit) are classified as "servicing" interactions. (e) Compliance. Frequency at which telephone representatives fail to make all required disclosures. (f) Quality. Telephone representatives' success at addressing requests and otherwise satisfying customers, based upon criteria established by the service provider and the client, and evaluated by an independent third party. Service: Discover Deposit Products - Acquisition Services Provided: Live telephone, automated telephone (integrated voice response ("IVR")), website - based representative assisted (i.e. "chat") services and website -based application for prospective Discover Bank customers. Hours of Operation: 24 hours/day Key Service Metrics: (a) Speed of answer. For live telephone, the average time that a caller waits to speak with a telephone representative on a call that requires live interaction after the caller enters all required information into the IVR; and for "chat" service, the average wait time between transmission of an inquiry and transmission of the associated response. (b) "Brand promise." For live telephone, the frequency at which a caller waits to speak with a telephone representative for more than 60 seconds after entering all required information into the IVR. (c) Efficiency. The numbers of acquisition calls taken by telephone representative, the unit cost per call handled, and per account opened. (d) Compliance: Frequency that servicing representatives make all required disclosures and correctly handle processes subject to laws/regulations. (e) Quality. Telephone representatives' success at addressing requests and otherwise satisfying customers, based upon criteria established by the service provider and the client, and evaluated by an independent third party. (f) System availability. For each automated system, the percentage of time, assuming a baseline of continuous availability, excepting reasonably infrequent scheduled maintenance periods that such system is fully operational and available for use by customers. Service: Discover Deposit Products - Servicing Services Provided: Live telephone, automated telephone (integrated voice response ("IVR")), and website -based self-service application (online, mobile, tablet) for Discover Bank customers. Hours of Operation: 24 hours/day Kev Service Metrics: (a) Speed of answerFor live telephone, the average time that a caller waits to speak with a telephone representative on a call that requires live interaction after the caller enters all required information into the IVR[; and for "chat" service, the average wait time between transmissiori of an inquiry and transmission of the associated response]. (b) "Brcind promise." For live telephone,thefnequencyatwhichaca|lermmhstospeakvvitha telephone representative for more than 60 seconds after entering all required information into the IVR. (c) Efficiency. The numbers of servicing calls taken by telephone representative,and the unit cost per caII handled. (d) Timeliness. Percentage of cases / transactions completed within the agreed upon timeframes by back office agents / support functions. (e) Compliance: Frequency that servicing representatives make alt required disclosures and correctly handle processes subject to laws/regulations. (f) Quality. Telephone representativessuccess at addressing requests and otherwise satisfying customers, based upon criteria established by the service provider and the client, and evaluated by an independent third party. (g) System availability. For each automated system, the percentage of time, assuming a baseline of continuous availability, excepting reasonably infrequent scheduled maintenance periods that such system is fulty operational and available for use by customers. Service: Discover Personal Loans - Acquisition Services Provided: Live telephone, automated telephone (integrated voice response ("IVR")), and website -based self-service for new consumers interested in a personal loan. Hours of Operation: Monday — Friday, 8:00 a.m. - 11:00 p.m. EST Saturday—Sunday, 9:00 a.m. - 6:00 p.m. EST Key Service Metrics: (a) Compliance: Frequency that servicing representatives make all required disclosures and correctly handle processes subject to laws/regulations. (b) Speed of answer: The average time that a caller waits to speak with a telephone representative on a call that requires live interaction after the caller enters all required information into the IVR. (c) "Brand promise": The frequency at which a caller waits to speak with a telephone representative for Tess than 60 seconds after entering all required information into the IVR. (d) Efficiency. The numbers of acquisition calls taken by telephone representative, the unit cost per call handled, and per loan booked. (e) System availability: For each automated system, the percentage of time, assuming a baseline of continuous availability, excepting reasonably infrequent scheduled maintenance periods, that such system is fully operational and available for use by consumers. (f) Cycle time: Total time required to reach a decision and offer (if applicable), after an application has been received. (g) Quality: Telephone representatives' success at addressing requests and providing a positive consumer experience, as evaluated by an independent third party. Service: Discover Personal Loans - SeMcing Services Provided: Live telephone, automated telephone (integrated voice response ("IVR")), and website -based self-service for existing personal loan customers. Hours of Operation: Monday—Friday Ol0o.nn.-8:0Up.m.EST Saturday—Sunday,Onsed Kev Service Metrics: (a) Compliance: Frequency that servicing representatives make all required disclosures and correctly handte processes subject to laws/regulations. (b) Speed of answer: The average time that a caller waits to speak with a telephone representative on a call that requires live interaction after the caller enters all required information into the IVR. (c) "Brand promise": The frequency at which a caller waits to speak with a telephone representative for less than 60 seconds after entering all required information into the IVR. (d) Efficiency. The numbers of servicing calls taken by telephone representative and the unit cost per caIl handled. (e) System For each automated system, the percentage of time, assuming a baseline of continuous availability, excepting reasonably infrequent scheduled maintenance periods, that such system is fully operational and available for use by customers. (f) Telephone success at a requests and providing a positive Service: Discover Personal Loans — CoUections Services Provided: Live telephone, automated telephone (integrated voice response ("IVR")), and website -based self-service for personal loan customers who are delinquent or charged -off on their account. Hours of Operation: Kev Service Metrics: Monday — Friday8:00 a.m. - 10:00 p.m. EST Saturday, D:0Oa.m.-ZJ}0p.m.EST Sunday, 9:00 a.m. - 3:00 p.m. EST (a) Frequency that servicing representatives make aH required disclosures and correctly handle processes subject to laws/regulations. (b) Speed of answer: The average time that a caller waits to speak with a telephone representative on a call that requires live interaction after the caller enters all required information into the IVR. (c) "Brand : The frequency at which a caller waits to speak with a telephone representative for less than 60 seconds after entering all required information into the IVR. (d) System For each automated system, the percentage of time, assuming a baseline of continuous availabilityexcepting reasonabiy infrequent scheduied maintenance periods, that such system is fully operational and available for use by customers. (e) Outbound penetration: Total number of attemptmade to contact a delinquent customer in a month. (f) Quality: Telephone representatives' success at addressing requests and providing a positive Service: Discover Student Loans —Originations and School Service Services Provided: Inbound and Outbound live telephone, automated telephone (integratedvoice response ("IVR")), electronic or written correspondence, web chat, web based selfservice,for Discover Student Loan customers. Hours of Operation: 24 hours/day Kev Service Metrics: (a) "Brand promise." For live telephone, the frequency at which a caller waits to speak with a telephone representative for more than 60 seconds after entering all required information into the|VK. (b) Abandon rate. Percent of all calls where hang-up occurs prior to representative answering. (c) Speed of answerFor inbound live telephone, the average time that a caller waits to speak with a telephone representative on a call that requires live interaction after the caller enters all required information into the IVR; and for "chat" service, the average wait time between transmission of an inquiry and transmission of the associated response; (d) Efficiency. For live telephone, the unit cost of each caIl handled. (e) Outbound Penetration. For outbound telephone, the total number of attempts to contact potential customers to follow up on customer initiated requests. (f) Correspondence Timeliness. Frequency at which various types of correspondence are completed within agreed upon timeframe. (g) Quality. Telephone and Correspondence representatives' success addressing requests and otherwise satisfying customers, based upon criteria established by the service provider and the client, evaluated by an independent third party, (h) Compliance. Frequency that servicing representatives make all required disclosures and correctly handle processes subject to laws/regulations. System availability. For each automated system, the percentage of time, assuming a baseline of continuous availability, excepting reasonably infrequent scheduled maintenance periods that such system is fully operational and available for use by customers. Service: Discover Student Loans -Servicing Services Provided: Live telephone, automated telephone (integrated voice response ("IVR")), electronic or written correspondence, and web based service for Discover Student Loan customers. Hours of Operation: 24 hours/day Key Service Metrics: (a) "Brand promise." For live telephone,the frequency at which a caller waits to speak with a telephone representative for more than 60 seconds after entering all required information into the IVR. (b) Abandon rate. Percent of all calls where hang-up occurs prior to representative answering. (c) Speed of answer. For live telephone, the average time that a caller waits to speak with a telephone representative on a call that requires live interaction after the caller enters alt required information into the IVR. (d) Efficiency. For live telephone, the unit cost of each call handled. (e) Correspondence Timeliness. Frequency at which various types of correspondence are completed within agreed upon timeframe. UD Quality. Telephone and Correspondence representatives' success addressing requests and otherwise satisfying customers, based upon criteria established by the service provider and the client, evaluated by an independent third party. Compliance. Frequency that servicing representatives make alt required disclosures and correctly handle processes subject to Iaws/regulations. (h) System availability. For each automated system, the percentage of time, assuming a baseline of continuous availability, excepting reasonably infrequent scheduled maintenance periods that such system is fully operational and available for use by customers. Service: Dscover Student Loans — Repayment Assistance Services Provided: Inbound and Outbound live telephoneautomated telephone (integrated voice response (IvR")), written correspondence,web based self-servicefor Discover Student Loan customers. Hours of Operation: 24 hours/day Key Service Metrics: (a) "Brand promise." For live telephone, the frequency at which a caller waits to speak with a telephone representative for more than 60 seconds after entering all required information into (b) Abandon rate. Percent of all calls where hang-up occurs prior to representative answering. (c) Outbound Penetration. Total number of attempts made to contact a delinquent customer in a month. (d) Compliance. Frequency that servicing representatives make all required disclosures and correctly handle processes subject to laws/regulations. (e) Call Quality. Telephone and Correspondence success in understanding a customer's repayment situation and presenting proper solutions while maintaining compliance to Repayment Assistance guidelines, evaluated by an independent third party. 0 System availability. For each automated system, the percentage oftime, assuming a baseline of continuous availability, excepting reasonably infrequent scheduled maintenance periods that such system is fully operationat and available for use by customers. Service: Discover Student Loans and Discover Personal Loans— Recovery Services Provided: Inbound and Outbound live telephone, written correspondence, and external vendor placement for Discover Student Loans and Discover Personal Loans customers. Hours of Operation: 8:00 a.m. - 6:00 p.m. ET Key Service Metrics: (a) "Brand promise." For live telephone, the frequency at which a caller waits to speak with a telephone representative for more than 60 seconds after entering all required information into the IVR. (b) Abandon rate. Percent of all calls where hang-up occurs prior to representative answering. (c) Outbound Penetration. Total number of attempts made to contact a delinquent customer in a month. (d) Compliance. Frequency that servicing representatives make all required disclosures and correctly handle processes subject to laws/regulations. (g) Call Quality. Telephone and Correspondence representatives' success in understanding a customer's repayment situation and presenting proper solutions while maintaining compliance to Repayment Assistance guidelines. (h) System availability. For each automated system, the percentage of time, assuming a baseline of continuous availability, excepting reasonably infrequent scheduled maintenance periods that such system is fully operational and available for use by customers. Service: Discover Card New Accounts Services Provided: The New Account team provides multiple services to manually process credit card applications that are unable to be systematically decisioned. These services include Customer Identity Process (CIP), suspected fraudulent application process and guided underwriting processes. In addition, general service requests by applicants are handled. These services are provided through live telephone, automated telephone (integrated voice response ("IVR")), web -services, letter, fax and email. Hours of Operation: Monday — Friday, 8:00 a.m. - 12:00 a.m. ET Saturday—Sunday, 8:00 a.m. - 10:00 p.m. ET Key Service Metrics: (a) Speed of answer. For live telephone, the average time that a caller waits to speak with a telephone representative on a call that requires live interaction. (b) "Brand promise." For live telephone, the frequency at which a caller waits to speak with a telephone representative for more than 60 seconds after entering all required information into the IVR. (c) System availability. For each automated system, the percentage of time, assuming a baseline of continuous availability, excepting reasonably infrequent scheduled maintenance periods that such system is fully operational and available for use by customers. (d) Processing Speed. For each service channel and type of interaction the percentage of queued applications worked by agents within three days of receipt. (e) Efficiency. For each service channel and type of interaction the unit cost per application. (f) Compliance. Frequency at which telephone representatives fail to make all required disclosures and/or does not violate applicable legal requirements. (g) Quality. Agents success at accurately following stated procedures to process the application as well as successfully addressing the applicants requests, based upon criteria established by the service provider and the client, and evaluated by an independent third party. Service: Discover Card Customer Risk Management and Assistance - Fraud Field Operations Services Provided: Live telephone, automated telephone (integrated voice response ("IVR")), website - based representative assisted (i.e. "chat") services and website -based self-service for Discover Card cardholders, for fraud resolution purposes. Hours of Operation: 24 hours/day Key Service Metrics: (a) Speed of answer. For live telephone, the average time that a caller waits to speak with a telephone representative on a call that requires live interaction after the caller enters all required information into the IVR; and for "chat" service, the average wait time between transmission of an inquiry and transmission of the associated response. (b) "Brand promise." For live telephone, the frequency at which a caller waits to speak with a telephone representative for more than 60 seconds after entering all required information into the IVR. (c) System availability. For each automated system, the percentage of time, assuming a baseline of continuous availability, excepting reasonably infrequent scheduled maintenance periods that said system is fully operational and available for use by customers. (d) Efficiency. The unit cost per episode. (e) Compliance. Frequency at which telephone representatives fail to make all required disclosures or handle customer inquiries inappropriately. (f) Quality. Telephone representatives' success at addressing requests and otherwise satisfying customers, based upon criteria established by the service provider and the client, and evaluated by an independent third party.