Comments Added.
Main change here is the verifyCard.jsp It now takes adventage of UserManager bean to populate shipping address with customer information. 
Please note that this information needs to be present in database (Shippingaddress table) for particular user.  It will not populate the values or throw 
exemption if you dont have the shipping address entry for this user in the database.  If you like this solution you can do the same thing with billing address. 
Look how its done with shipping and just do the same with bililng.  Look into UserManager class to see how the function looks like.  Also as a shortcut you 
can type in ${} in your jsp, than hit alt enter for autocomplete suggestion.  You should see the Usermanager bean in the list. click that and than u will be able 
to take adventage of autocomplete after dots as well. 

Finally if u dont like it, just revert this commit.  Its kinda last minute thing.