HomeMy WebLinkAbout12-1427U d i ??t\-J 17 d? t\ t
ERLA110 COUN E
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
Discover Bank,
Through Its Servicing Agent,
DB Servicing Corporation
Plaintiff No: a0a?
vs.
COMPLAINT IN CIVIL ACTION
RICHARD A ANGLEMEYER
Defendant FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
William T. Molczan,47437
WELTMAN, WEINBERG & REIS CO., L.P.A.
436 Seventh Avenue, Suite 1400
Pittsburgh, PA 15219,
(412) 434-7955
FAX: 412-338-7130
09461849 C A Pit SJS
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a#AA % ) 63 7-5
C-c 1438y
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
Discover Bank,
Through Its Servicing Agent,
DB Servicing Corporation
Plaintiff
vs. Civil Action No
RICHARD A ANGLEMEYER
Defendant
COMPLAINT AND NOTICE TO DEFEND
You have been sued in court. If you wish to defend against the
claims set forth in the following pages, you must take action within
twenty (20) days after this complaint and notice are served, by entering
a written appearance personally or by an attorney and filing in writing
with the court your defenses or objections to the claims set forth
against you. You are warned that if you fail to do so the case may
proceed without you and a judgment may be entered against you by the
court without further notice for any money claimed in the complaint or
for any other claim or relief requested by the plaintiff. You may lose
money or property or other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET
FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE
TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL
SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
LAWYER REFERRAL SERVICE
CUMBERLAND COUNTY BAR ASSOCIATION
32 SOUTH BEDFORD STREET
CARLISLE, PA 17013
(717) 249-3166
COMPLAINT
1. Plaintiff, Discover Bank, is a banking institution organized under
the laws of the State of Delaware and maintains a business address of
12 Reads Way, New Castle, DE 19720.
2. DB Servicing Corporation is the servicing affiliate for Discover
Bank, f/k/a Greenwood Trust Company, an FDIC-insured Delaware State
bank. As the servicing affiliate, DB Servicing Corporation performs a
variety of services for Discover Bank including, among other things,
the collection of delinquent accounts, marketing, application
approval, transaction approval, customer service, and billing. The
collection of delinquent accounts includes the right to forward the
account to the attorneys and/or collection agencies for collection and
to file suit on Discover Bank's behalf.
3. At all times pertinent hereto, DB Servicing Corporation is the
servicing affiliate for Discover Bank, in reference to Defendant
account, which is the subject of this litigation.
4. Defendant is adult individual(s) residing at 117 MAPLE DR
MECHANICSBURG, PA 17050
5. Defendant applied for and received a credit card bearing the
account number XXXXXXXXXXXX8395 .
6. Defendant made use of said credit card and has a current balance
due of $3763.35 , as of December 05, 2011 .
7. Defendant is in default by failing to make monthly payments when
due. As such, the entire balance is immediately due and payable to
Plaintiff.
8. Plaintiff is entitled to the addition of interest at the rate of
14.2406 per annum on the unpaid balance from December 05, 2011 . A
copy of Plaintiff's STATEMENT is attached hereto, marked as Exhibit
fill,.
9. Although repeately requested to do so by Plaintiff, Defendant has
willfully failed and/or refused to pay the balance due the Plaintiff.
WHEREFORE, Plaintiff prays for Judgment in its favor and against
Defendant, RICHARD A ANGLEMEYER INDIVIDUALLY , in the amount of
$3763.35 with interest at the rate of 14.2406 per annum. from December
05, 2011 until date of judgment and costs.
11)JX- TAt-4?rf,-
Wi. iam T. Mo czan, 437
WELTMAN, WEINBERG &; REIS CO., L.P.A.
436 Seventh Avenue, Suite 1400
Pittsburgh, PA 15219
(412) 434-7955
FAX: 412-338-7130
WWR# 09461849 C A Pit SJS
This law firm is a debt collector attempting to collect this debt for
our client and any information obtained will be used for that purpose.
DISCOVER $$3 63 35ce
27 SDSN6A01 0000084
RICHARD ANGLEMEYER
117 MAPLE DR
MECHANICSBURG PA 17050-2765
Minimum Payment Due I Account Number ending in 8395
$221.00 Enter Amount Enclosed Below
Payment Due Date $ f
December 22, 2011 I
Please make check payable to Discover Card.
Minimum payment due includes a past due
amountof$T46.00. Phone and internst
payments must be made by 5:00pm ET for some
day postin
Acces? and manage your account at
www.Disoovercom or visit m.discoveccom
on your mobile phone.
PO BOX 71034 Illnrllnr,rlrllurlrulll
CHARLOTTE HC 28272-1084
Go .com or print nt ch
Address, Go to to www.Dil o
G wwwDucavwerom or pr change in space above.
00t]001986623637932356037633500000000022100 t
opening uate: October 20, 2u 11 closing Dale: NM
I Discover More Card Account Summary Account number ending in 8395
Previous Balance $3,668.82
Payments And Credits 0.00
Purchases + 0.00
Baksnce Transfers + 0.00
Cash Advances + 0.00
Fees Charged + 35.00
Interest Charged + 59.53
New Balance 3,763.35
See Interest Charge Calculation section following
transactions for detailed APR information
Credit Line $5,000.00
Credit Line Available $1,236.00
Cash Advance Credit Line $2,500.00
Cash Advance Credit Line Available $1,236.00
You may be able to avoid Interest Charges, see Additional
Important Information for details.
waaw?w vwsv Anniversary Month
June
Opening Cashback Bonus Balance $ 1876
New Cashback Bonus This Period + 0.00
CaddxKk bonus balance $ 18.76
To learn more, log in at www.Disw%w.com
. r-
... . .?i, r - , .
Payment Information
New Balance
Minimum Payment Due'
Payment Due Date
'Includes past due amount of $146.00
4 Vr a
$3,763.35
$221.00
December 22, 2011
Lab 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 19.24% variable.
Minimum Paynwrt Warning: If you make only the minimum
payment each period, you will pay more in interest and it will
take you longer to pay off your balance. For example:
f you • rtd "" Yod aW pay kr ! e An "" wi l ep
itiorwl chore balance atlawa+an up ptiying art
inw i9 cart) this #O*n•nf in estimated total ofr
month pay. 4".
Only the minimum 22 years $10,900
payment
If you would like information about credit counseling services,
call 1-804347.1121
3 Easy Ways to Contact Us Manage Your Account Online at www.DiK*ver.com
1 Access your account securely at www.Discover.com
2. Call I.800-DISCOVER (1.804347-2683)
Please haw your Discovere card available Access free online tools like Paydown Planner to create a plan
to pay down your balance, securely access statements, pay
b
l
.
3. Write to us at Discover PO Box 30943 i
ls online and easily track all transactions
,
Sale Lake City, UT 84130 (Nat a payment address)
Make your money worth moresm -find easy ways to earn
For payments, please send to address on remittance or and redeem cash rewards
Discover PO Box 6103, Carol Stream, IL 60197.6103 NEWI Access your account securely through your
For TDD (Telecommunications Device for the Deaf) mobile phone
assistance, please call 1.804347-7449.
Transactions
Fees
Trans. Data PData
Nov 22 Nov 22 LATE FEE
35.00
TOTAL FEES FOR TM PERIOD 35.00
!merest Charged INTEREST CHARGE ON PURCHASES $ 59.53
INTEREST CHARGE ON CASH ADVANCES 0.00
INTEREST CHARGE ON BALANCE TRANSFERS 0.00
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER
DISCOVER
1r pays to RICHARD ANGLEMEYER
DISC(NER Account number ending in 8395
page 2 of 2
Interest Charge Calculation
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Current Willing Period: 31 days
TYPE OF BALANCE
Purchases
09/02/2010 and after
08/01/2010 and prix
Cash Advances
V = Variable Rate
ANNUAL PERCENTAGE
RATE (APR)
14.24% V
18.99% V
23.99% V
BALANCE SUBJECT TO
INTEREST RATE
$25.15
$3,672.40
$0
INTEREST CHARGE
$0.30
$59.23
$0
Information For You
* * * ATTENTION * * * We previously requested the past due amount on your account. We have no record of receiving
payment. The amount due should be paid at once.
Additional Important Intonation
See your Cardrnanbx Agreement. Your Cardmember Agreement contains all the terms of your Account.
Lost or stolen cards. Report immediatelyl Cal 1-800.347-2663.
What To Do N You Think You Find A Mistake On Your Staternent
If you think there is an error on your statement, write to us at: Discover, PO Box 30421 Salt Lake City, UT 84130A421
?n your letter give us the following information:
Account information: Your name and account number
Dollar amount: The dollar amount of the suspected error
t of Problem: If you think then 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 writi . 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 then has been an error, the following are true:
We cannot try to collect the amount in question, or report you as delinquent an t' at amount.
The charge in question may remain on your statement, and we may continue to charge you interx: (n that amount. But, if
we determine that we made a mistake, you will not have to pay the amount in question or any inter-&-l or other fees related
to that amount.
While you do not have to pay the amount in question, you are responsible forth* r iainder of your balance.
We can apply any unpaid amount against your credit limit.
Your Rkrhts N You Are DitmtisNed With Your Credit Card Pun.-has"
If you are dissatisfied with the goods or services that you have purchased with your ciede card, or 1 yr i have hied
in good faith to correct the problem with the merchant, you may have the right not to pay the remr.'mn„, 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 haw 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 accounf 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 Ci yi 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 tlw Payment Due Dais. Send only your payment and the top portion of this statement in the envelope
provided. Do not send cash. BY sending your check as descnbed 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
ppaayment as a check fransaction. If payment is processed as an elecfronic Wnd transfer, the transfer will be for the amount of
the check. When we use information fFrroomm 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 o a 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_d will be. credited to your Account as of that day. Payments
received at our processing Facility offer 5PM local time wild credited to your Accountas of the next day. If you haw
misplaced your envelope, send your payment to Discover, PO Box 6103 Card Stream, IL 601976103. Please allow 7-10
days for delivery. If your payment is returned unpaid, we reserve the rig(it to resubmit it as an electronic debit.
9461849
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DIS VER
L.7
You can pay your scheduled monthly payment or a
amount that does not exceed your current Account balance over
KOW
the telephone or you can setup automatic payments
Automatic payments will be deducted on the Paym
Payment Due Date. IF your scheduled payment date h a customer service representative by calling 1-804347-2683.
Due Date unl you request a payment date that occurs before your
tls on o weekend or bank holiday, your payment will be processed the
business day for to the weekend or bank holiday.
statement and bank account information. You In order to schedule monthly payments by telephone, you will need this
"tl be asked to provide the last Four (4) digits of the social security
number of the primary borrower By providing tho
authorization to allow us and your bank to deduct numbersas your electronic signature, you will be agreeinglo this
h payment you authorize, in the amount selected by you, from your
bank account. You also outhorize us to initiate de
in the processing of such payment. You can cancel ' or credit entries to your bank account, as applicable, to correct an error
scheduled payment by phone at 1-804347-2683 or by mail at
d
l
h
b
h
Discover PO Box 30421, Salt Lake City, UT 8413 east t
ree
usiness
ays in
owever we must receive notice at
21
advance of the scheduled payment. If your paym may wry in amount, we will tell you on each monthly statement when
your payment will be made and how much it will You must ensure that sufficient funds are available in your bank
account, and all transactions must comply with U.S.
hl
bal If your scheduled pa eM is not enough to cover the Minimum
ff
If
h
h
l
d
b
f
h
d
ll b
y
Payment Due as listed on your mont
ing s
payment is greater than the Minimum Payment Due e responsi
le
or paying t
erence.
t
e sc
you wi
e di
e
u
e
any excess will be applied in accordance with your Cardmember
Agreement. Your automatic paymeM amount may
credits or paymenh after the Closing Date. less than the amount indicated on the periodic statement based on
If you enroll by phone in our automatic payment ice, please fill-in the following blanks below and retain the authorization
for your records.
Amount: ? Full Pay ? Min Pay ? Min Pay + $
Bank Routing #: , Bari ;Account #: Frequency:
Credit Repo.rh We may report information aboU
other defaults on your Account may be reflected in
h
d
i ur Account to credit bureaus. Late payments, missed payment, or
r credit rsport. We normally report the status and payment history of
h
If
b
l
l
l
your Account to cre
it reporting agencies eac
m co
l
us at the following address: Discover PO Box 153
, at our report is inaccurate cc incomp
ease write
e
ieve t
ete, p
you
Wilmington, DE 198545316. Please indicate your name, address,
home telephone number and Account
number
PaYirrg Merest We?? in to impose interest cho
daily balance. We corlfinue to impose interest
P
h
d
b
d b
l
H on a transaction fee or interest charge from the day we odd it to the
until you pay tie total amount you owe us. You can avoid paying
d
l
f
interest on
urc
ases as
escri
e
e
ow.
owe
Advances. , you cannot avoi
paying interest on Ba
ance Trans
ers or Cash
you par the Now Balance on your previous biNk% sto eM by the Payment Due Date shown on that billing statement, we
wI not Impose interest charges on new Purchases r arty portion of a new Purchase, paid by the Payment Due Dote on your
current billing statement. New Purchases are Pao ss that first appear on the current billing statement.
It you do not pay your Now Balance in
c m
you may not get a grace period on new hases depending on the balance to which we apply your payment,
Flew We C&ulale Merest Charges D Mdtod lirclu&g current transactions): We calculate interest charges
each billing period by first figuring the "bit " for each Transaction Category. Transaction Categories include
'
standard Purchases, standard CAdvand fferent promotional balances, such as Balance Transfers.
Flow We Figure the Daly balance far E Celsgery
We start with the beginning balfor
l
h
h
I
d
r da . The beginning balance for the first day of the billing period is
ll
b
yai
c
an<e a? t
ey c•
e
asi
:evi
T ing period
:
i
We odd any interest charges acon previous day's daily balance and any new transactions and fees. We
add any new transactions or feef the of the Transaction Date or the first day of the billing period in
which the transaction or fee posyo Account.
We subtract any new credits anme
n
We make other adjustment (inc adjustments required in the "Paying Interest" section).
Flow We Figure Your Total Merest Char
We multiply the daily balance fh T
th
billi
'
d
Thi
i
th
i
t ion Category by it daily periodic rant. We do this for each day in
f
h T
h
ti
C
t
T
d
il
d
e
ng ps
a
.
s g
ves us
e
n
em
we divide the APR that applies to the Tram c
arges
or eac
ransac
on
a
egory.
o get a
a
y perio
ic rate,
ion Category by 365.
We odd up all the doily interest charges, sum is the total interest charge For the billing period.
Flew We Inc" Fees
We add Balance Transfer Fees to the applicable
Fees to the applicable Cash Advance Transaction
T
C a Transfer Transaction Category. We add Cash Advance
ategory. We add all other fees to the standard Purchase
ransaction
ategory.
balance Subject to Merest Rate. Your statement a Balance Subject to Interest Rate. It shows this for each
transaction category. The Balance Subject to IM Rate is the average of the daily balances during the billing
period.
Credit Balances. If your Account has a credit ba , the amount is shown on the front of your billing statement.
A credit balance is money that is owed to You. Y
ll
d
f
d
f may make charges against this amount if your Account is
open. We wi
sen
you a re
un
o
any remami ba6wo of $1.00 or more after 6 months, or as otherwise
required by applicclA- law.
For TDD (Telecorm inunications Device for die Dooll i sssfslance, please cal 1-f100-347-7449.
Discover may monitor and/or record telephone between you and Discover representatives for quality assurance
purposes.
The Dixovermcard is issued by Discover Bank, e mber FDIC RZNFEOO1
9461849
Questions? visit
or
DISC40VEIZ
call 1-800-DISCOVER 11-800-347
VERIFICATION
The undersigned does hereby verify subject to the penalties of 18 PA.C.S. §4904 relating to
unsworn falsifications to authorities, that she is Natasha Szczygiel, Legal Placement Account Manager
(Name) (Title)
of DB Servicing Corporation successor to DFS Services LLC, servicing agent for Discover Bank,
(Company)
plaintiff herein, that she is duly authorized to make this Verification, and that the facts set forth in the
foregoing Complaint in Civil Action are true and correct to the best of her knowledge, information and
belief.
n,
WWR# 9461849
Richard A. Anglemeyer
6011208954138395
SHERIFF'S OFFICE OF CUMBERLAND COUNTY
Ronny R Anderson
Sheriff
Jody S Smith
Chief Deputy
Richard W Stewart
Solicitor
, ?t1i7 t f ,477.
t i t- 3 tia i»
l ., 4
I p r) r t
2012 MAR 16 AM 8* 4
CUMBERLAW]l 'L,CsUHT'
PENNS` LVAH!A
Discover Bank Case Number
vs. 2012-1427
Richard A. Anglemeyer
SHERIFF'S RETURN OF SERVICE
03/09/2012 07:08 PM - William Cline, Corporal, who being duly sworn according to law, states that on March 9, 2012
at 1908 hours, he served a true copy of the within Complaint and Notice, upon the within named
defendant, to wit: Richard A. Anglemeyer, by making known unto himself personally, at 117 Maple Drive,
Mechanicsburg, Cumberland County, Pennsylvania 17050 its contents and at a same time handing to
him personally the said true and correct copy of the same.
W LIAM CLINE, DEPUTY
SHERIFF COST: $38.00
March 12, 2012
SO ANSWERS,
RON R ANDERSON, SHERIFF
SERRATELLI, SCHIFFMAN & BROWN, P. C.
Paige Macdonald-Matthes, Esquire
Supreme Court ID No. 66266
2080 Linglestown Road
Harrisburg, PA 17110
(717) 540-9170 Telephone
(717) 540-5481 Facsimile
Email. PMacdonald-Matthes(&ssbc-law.com
Attorneys for Defendant
i?)P2 r? 22 AM 8: ( 7
PENNSYLVANIA
DISCOVER BANK, THROUGH ITS IN THE COURT OF COMMON PLEAS
SERVICING AGENT, DB SERVICING CUMBERLAND COUNTY, PENNSYLVANIA
CORPORATION, ,
PLAINTIFF
: DOCKET No. 20121427 CIVIL
V.
RICHARD A. ANGLEMEYER,
DEFENDANT
. CIVIL ACTION LAW
NOTICE TO PLEAD
To: Discover Bank, Through its Servicing Agent, DB Servicing Corp.
C/O WILLIAM T. MOLCZAN, ESQUIRE
WELTMAN, WEINBERG & REIS CO., L.P.A.
436 SEVENTH AVENUE, SUITE 1400
PITTSBURGH, PA 15219
YOU ARE HEREBY NOTIFIED to file a written response to the enclosed Preliminary
Objections to Plaintiff's Complaint within twenty (20) days from service hereof or a judgment
may be entered against you.
Respectfully submitted,
?.b ?...??h .P` n?? n ?JP ' M1?ut?C.? vx?
Paige Macdonald-Matthes, Esquire
Attorney ID No. 66266
SERRATELLI, SCHIFFMAN &
BROWN, P.C.
2080 Linglestown Road, Suite 201
Harrisburg, PA 17110
Date: March 22, 2012 (717) 540-9170
SERRATELLI, SCHIFFMAN& BROWN, P. C.
Paige Macdonald-Matthes, Esquire
Supreme Court ID No. 66266
2080 Linglestown Road
Harrisburg, PA 17110
(717) 540-9170 Telephone
(717) 540-5481 Facsimile
Email. PMacdonald-Matthes(&ssbc-law.com
Attorneys for Defendant
DISCOVER BANK, THROUGH ITS
SERVICING AGENT, DB SERVICING
CORPORATION,
PLAINTIFF
V.
RICHARD A. ANGLEMEYER,
DEFENDANT
. IN THE COURT OF COMMON PLEAS
. CUMBERLAND COUNTY, PENNSYLVANIA
: DOCKET No. 2012-1427 CIVIL
. CIVIL ACTION LAW
DEFENDANT'S PRELIMINARY OBJECTIONS TO PLAINTIFF'S COMPLAINT
AND NOW, comes Defendant, Richard A. Anglemeyer, by and through his counsel,
Serratelli, Schiffman & Brown, P.C., and files his Preliminary Objections to Plaintiff's
Complaint, and in support thereof avers as follows:
FIRST PRELIMINARY OBJECTION TO PLAINTIFF'S COMPLAINT- FAILURE OF
PLEADING TO CONFORM TO LAW OR RULE OF COURT
Pa. R.Civ. P. 1028(a)(2)
1. The subject of the above captioned litigation appears to be an action to collect a
consumer debt and thus is subject not only to the Rules of Civil Procedure but
also the Pennsylvania Fair Credit Extension and Uniformity Act, 73 P.S. Section
2270.1 et seq. and the Fair Debt Collection Practices Act, 15 U.S.C. Section 1962
et seq.
2. Pennsylvania Rule of Civil Procedure 1019(i) is clear that when any claim or
defense is based on a writing, the pleader shall attach a copy of the writing, or the
material part thereof, but if the writing or copy is not accessible to the pleader, it
is sufficient so to state, together with the reason, and to set forth the substance in
writing.
3. Although Plaintiff has plead in paragraph 2 of its Complaint that it is the
"servicing affiliate for Discover Bank f/k/a Greenwood Trust Company", Plaintiff
has failed to attach (a) the original agreement allegedly entered into between the
creditor and the Defendant which does not prohibit assignments; and (b) a copy of
the assignment between Plaintiff and DB Servicing Corporation.
4. In paragraph 5 of Plaintiffs Complaint, Plaintiff states that "Defendant applied
for and received a credit card bearing account number
XXXXXXXXXXXXXXX8395. Plaintiff has failed however, to attach a copy of
the either the credit card application or the original credit card agreement
including all relevant terms to its Complaint which support Plaintiff s claim that
Defendant's alleged default (a) renders "the entire balance immediately due and
payable; and (b) that "plaintiff is entitled to the addition of interest at the rate of
14.240% per annum on the unpaid balance from December 5, 2011 ". See
Plaintiff s Complaint at paragraph nos. 5, 7 and 8.
5. In the adamnum clause of its Complaint, Plaintiff seeks "applicable costs and
interest at the rate of 14.240% per annum from December 5, 2011 until the date of
judgment. Plaintiff has failed however to attach a copy of the alleged contract
2
between the Parties that provides for the recovery of "applicable costs and
interest.
6. A review of Plaintiff's Complaint reveals that it does not conform to the
requirements set forth in Pa. R.Civ. 1419(i) in that Plaintiff has failed to attach
any copy of the writings which support its claims, or a material part thereof, to its
pleading. Accordingly, the Complaint filed by Plaintiff fails to conform to rule of
court and should be dismissed with prejudice.
WHEREFORE, Defendant, Richard A. Anglemeyer respectfully requests that this
Honorable Court sustain his First Preliminary Objection to Plaintiff's Complaint, dismiss
Plaintiff's Complaint with prejudice, and further award Defendant all such other relief as is
proper and just. Alternatively, Defendant requests that that this Honorable Court sustain his First
Preliminary Objection and direct Plaintiff to properly file an Amended pleading that complies
with the Pennsylvania Rules of Civil Procedure, as well as the Pennsylvania Fair Credit
Extension and Uniformity Act, 73 P.S. Section 2270.1 et seq. and the Fair Debt Collection
Practices Act, 15 U.S.C. Section 1962 et seq.
SECOND PRELIMINARY OBJECTION TO PLAINTIFF'S COMPLAINT-LEGAL
INSUFFICIENCY OF PLEADING (DEMURRER)-
Pa. R.Civ. P. 1028(a)(4)
7. The averments set forth in paragraphs I through 6 are incorporated by reference
as if more fully set forth at length herein.
8. In its prayer for relief Plaintiff requests, inter alia, an award of "applicable costs
and interest at the rate of 14.240% per annum from December 5, 2011 until the
date of judgment".
3
9. The Pennsylvania Fair Credit Extension Act expressly prohibits the collection of
any amount, including any interest, fee, charge or expense incidental to the
principal obligation, unless such amount is expressly authorized by the agreement
creating the debt or permitted by law. See 73 P.S. Section 2270.4(6)(i).
10. Plaintiff has failed to attach any document executed by Defendant that
demonstrates that there is an agreement between the parties authorizing the
recovery of any amount including, interest, fee, charge or expense incidental to
the alleged principal obligation.
11. Plaintiff's claim for "applicable costs, and interest at the rate of 14.240% per
annum from December 5, 2011 until the date of judgment" are not valid under
Pennsylvania law and should be stricken.
WHEREFORE, Defendant, Richard A. Anglemeyer, respectfully requests that this
Honorable Court sustain his Second Preliminary Objection to Plaintiff s Complaint, dismiss
Plaintiff's Complaint with prejudice, and further award Defendant all such other relief as is
proper and just. Alternatively, Defendant requests that that this Honorable Court sustain his
Second Preliminary Objection and direct Plaintiff to properly file an Amended pleading that
complies with the Pennsylvania Rules of Civil Procedure.
Respectfully submitted,
Date: March 22, 2012
Paige Macdonald-Matthes, Esquire
Attorney ID No. 66266
SERRATELLI, SCHIFFMAN &
BROWN, P.C.
2080 Linglestown Road, Suite 201
Harrisburg, PA 17110
(717) 540-9170
Attorneys for Defendant
4
VERIFICATION
I, Richard A. Anglemeyer, verify that the statements made in the foregoing Preliminary
Objections to Plaintiff's Complaint are true and correct. I understand that false statements herein
are made subject to the penalties of 18 Pa. C.S. Section 4904, relating to unsworn falsification to
authorities.
Date: iZ-
CERTIFICATE OF SERVICE
1, Paige Macdonald-Matthes, hereby certify that on this 22"d day of March, 2012, I served
a true and correct copy of Defendant's Preliminary Objections to Plaintiff s Complaint via U.S.
First Class Mail, Postage Paid on the following:
WILLIAM T. MOLCZAN, ESQUIRE
WELTMAN, WEINBERG & REIS CO., L.P.A.
436 SEVENTH AVENUE, SUITE 1400
PITTSBURGH, PA 15219
Paige aM cdonald-Matthes, Esquire
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION
Discover Bank, Through Its Servicing
Agent, DB Servicing Corporation,
Plaintiff,
V.
RICHARD A ANGLEMEYER,
NO.: 2012-1427 CIVIL
a
`:r
tDi
f??
Defendant
TYPE OF PLEADING:
AMENDED COMPLAINT
FILED ON BEHALF OF:
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
Submitted by: Plaintiff
Matthew D. Urban, Esquire
PA I.D. 90963
WELTMAN, WEINBERG & REIS CO., L.P.A
1400 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR: 09461849
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
Discover Bank, Through Its Servicing
Agent, DB Servicing Corporation
Plaintiff
VS. Civil Action No. 2012-1427 CIVIL
RICHARD A ANGLEMEYER
Defendant
AMENDED COMPLAINT
You have been sued in court. If you wish to defend against the claims set forth in the
following pages, you must take action within twenty (20) days after this complaint and notice are
served, by entering a written appearance personally or by an attorney and filing in writing with the
court your defenses or objections to the claims set forth against you. You are warned that if you fail
to do so the case may proceed without you and a judgment may be entered against you by the court
without further notice for any money claimed in the complaint or for any other claim or relief
requested by the plaintiff. You may lose money or property or other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS
OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO
PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL
SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
CUMBERLAND COUNTY BAR ASSOCIATION
32 SOUTH BEDFORD STREET
CARLISLE, PENNSYLSVANIA 17013
TELEPHONE NUMBER: (717) 249-3166
AMENDED COMPLAINT
AND NOW, comes the Plaintiff, Discover Bank, Through Its Servicing Agent, DB
Servicing Corporation and files an Amended Complaint, the following of which is a
statement thereof.
1. Plaintiff, Discover Bank, is a corporation with offices 12 Reads Way, New Castle, DE
19720.
2. Defendant,Richard A Anglemeyer, is an adult individual residing at 117 Maple Drive,
Mechanicsburg, PA 17050.
3. DB Servicing Corporation is the servicing affiliate of Discover Bank, f/k/a Greenwood Trust
Company, an FDIC-insured Delaware State Bank. As the servicing affiliate, DB Servicing
Corporation performs a variety of Services for Discover Bank including, among other things, the
collection of delinquent accounts. The collection of delinquent accounts includes the right to forward
the account to the attorneys and/or collection agencies for collection and to file suit on Discover
Bank's behalf. At all times pertinent hereto, DB Servicing Corporation is the servicing agent of
Discover Bank, in reference to the Defendant's account, which is the subject of this litigation.
4. Foreign business corporations must procure a certificate of authority from the Department of
Sate before doing business in this Commonwealth. 15 Pa C.S.A § 4121 (a).
5. A foreign company engaged in debt acquisition and collection activities in Pennsylvania is
not doing business within the meaning of this registration statute.
6. Plaintiff is attempting to collect a debt from the Defendants and the filing of the instant action
falls within the categories of activities not considered as doing business in this Commonwealth
pursuant to 15 Pa C.S.A. § 4122.
COUNT I-BREACH OF CONTRACT
7. The averments contained in Paragraph 1-6 are incorporated herein by reference
thereto as though herein set forth at length.
8. On or about June 19, 2009, the Defendant submitted an application to the Plaintiff
requesting that the Plaintiff issue the Defendant a Discover Bank credit card. A true and
correct copy of the Discover Bank application is attached hereto and made a part hereof as
Exhibit "1."
9. Thereafter, the Plaintiff made an offer to the Defendant to open a credit card account
by mailing a Discover Bank credit card, bearing account number 6011208954138395 along
with a written cardholder agreement which contained the terms and conditions of said credit
card to the Defendant. A true and correct copy of the terms and conditions of the credit card
are attached hereto and made a part hereof as Exhibit "2."
10. Defendant subsequently accepted Plaintiff's offer to open the above credit card
account by using said card to make purchases.
11. Defendant continued to use the credit card to purchase goods, merchandise, and
services and take cash advances.
12. Each month, pursuant to the terms and conditions of the cardholder agreement, the
Plaintiff sent the Defendant a monthly statement setting forth the charges and payments
made, if any, by the Defendant and the applicable interest rate. A true and correct copy of
the Defendant's monthly statements from July 27, 2009 to March 27, 2012 are attached
hereto and made a part hereof as Exhibit "3."
13. Pursuant to the terms and conditions of the cardholder agreement, the Defendant was
required to pay the total balance due or in the alternative the minimum monthly payment as
stated in the monthly statements sent to the Defendant.
14. Defendant subsequently made periodic charges and payments on the account with the
last payment made on the aforementioned account occurring on September 13, 2011 in the
amount of $90.00.
15. Defendant breached the terms and conditions of the agreement between the parties by
failing to pay the balance due or make the required monthly payment.
16. The balance due and owing to the Plaintiff on the aforementioned credit card account
as of December 5, 2011 was $3763.35.
17. Pursuant to the cardholder agreement, the Plaintiff is entitled to continuing finance
charges on any unpaid balances as described in the cardholder agreement and set forth on the
Defendant's monthly statement.
18. Although repeatedly requested to do so by Plaintiff, Defendant has breached the
terms of the cardholder agreement by willfully failing and/or refusing to pay the principal
balance, finance charges or any part thereof to Plaintiff.
WHEREFORE, Plaintiff demands judgment in its favor and against the Defendant,
Richard A Anglemeyer in the amount of $3763.35, with interest at the rate of 14.24% per
annum from December 5, 2011 to date of judgment and costs.
COUNT II-UNJUST ENRICHMENT
19. The averments contained in Paragraph 1 through 18 above, are incorporated herein by
reference thereto as though herein set forth at length.
20. Defendant used his/her Discover Bank credit card to purchased goods, merchandise,
and services.
21. By making use of said card, the Defendant has had a benefit conferred upon him/her
through the use and enjoyment of those goods, merchandise and services purchased.
22. Defendant, despite requests to do so, has willfully failed to re-pay the Plaintiff the
amounts due as set forth in the monthly statements, attached as Exhibit 'T' and as such has
improperly retained the benefit(s) conferred upon him/her without payment of value in return
to the Plaintiff.
WHEREFORE, Plaintiff demands judgment in its favor and against Defendant
Richard A Anglemeyer in an amount less than the arbitration limits with interest at the rate of
6% per annum from December 5, 2011 to the date of judgment and costs.
Respectfully Submitted,
Matthew D Urban, Esquire
PA I.D. 90963
WELTMAN, WEINBERG & REIS, CO., L.P.A.
436 Seventh Avenue
Suite 1400
Pittsburgh, PA 15219
(412) 434-7955
Fax: (412) 434-7959
WWR # 09461849
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YOUR DISCOVER` CARD ACCOUNT
CARDMEMBER AGREEMENT ............................. Pages 1-13
The terms and conditions of your Account, including how we calculate finance charges, our fees and an Arbitration of Disputes section. You have the right
to reject the arbitration provision with respect to your new Account within 30 days after receiving your Card, as explained in the "Right to Reject
Arbitration"section at page 12.
PRIVACY POLICY ............................................... Pages 13-16
A summary of the personal information we collect, when it may be shared with others, and how we safeguard the confidentiality and security of
information. You may limit our sharing of such information with others as explained in section 4 of the Privacy Policy at page 15.
BILLING RIGHTS ................................................ Pages 16-17
Important information about your rights and our responsibilities under the Fair Credit Billing Act
DESCRIPTION OF COVERAGE ......................... Pages 18-25
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 .............................. Page 25
The terns and conditions of this free travel assistance benefit.
02009 Discover Bank, Member FDIC TL21 1-11.0509
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 9 and our Privacy Policy for additional
information. The Arbitration of Disputes section on page 11 includes a waiver of a number of rights, including the right to a jury trial. The Right to Reject Arbitration section on page 12
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
Unautliorized Use .......................................................... .............................. 3
Your Credit Lines ........................................................... .............................. 4
MAKING PAYMENTS .......................................................... .............................. 4
Promise to Pay .............................................................. .............................. 4
Monthly Billing Statement .............................................. .............................. 4
Mouthy Payment Options ............................................. .............................. 4
Automatic Billing Arrangenrents .................................... .............................. 5
How We," PWr=1s .............................................. ................................5
Minimum Monthly Payment ........................................... .............................. 5
Skip-A-Payment Offers .................................................. .............................. 5
Credit Balances ............................................................. .............................. 5
FINANCE CHARGES ........................................................... ................................5
How We Calculate Periodic Finance Charges .............. ................................5
Hoar We Calculate Your Balances ................................ .............................. 6
Variable or Faced Interest Rates .................................... .............................. 7
Default Rate ................................................................... ................................7
Cash Advance Transaction Fee Finance Charges ....... .............................. 7
Balance Transfer Transaction Fee Finance Charges ... .............................. 8
Foreign Currency Transaction Fee Finance Charges ... ................................8
Minh um Finance Change ............................................. .............................. 8
FEES .................................................................................... .............................. 8
Annual Fee .................................................................... ................................8
EXHIBIT
Late Fee ...................................................................................................... 8
Overlimit Fee .................................................................. ...............................8
Returned Payment Fee .................................................. ............................. 8
Returned Discover Card Check Fee .............................. ............................. 9
Pay-By-Phone Fee ......................................................... ...............................9
Research Fee ................................................................. ............................. 9
DEFAULT AND CANCELLATION ........................................ ............................. 9
Types of Default ............................................................. ...............................9
Consequences of Default .............................................. .............................. 9
Cancehfion ................................................................... ................................9
PRIVACY AND OUR COMMUNICATIONS WITH YOU ..... ................................9
Our Privacy Poky ......................................................... ................................9
Reporting to Credit Reporting Agencies ........................ .............................. 9
Our Communications with You ...................................... ............................ 10
Releasing Information About Your Account .................. ............................ 10
Electronic Notices to You .............................................. ............................ 10
Notices - Charges to You Information ........................ ............................ 10
CLAIMS AND DISPUTES ................................................... ..............................10
Merchant Disputes ........................................................ ..............................10
Claim Notices ................................................................ ..............................10
Arbitration of Disputes ................................................... ..............................11
Right to RejectArbitration .............................................. ..............................12
LEGAL INTERPRETATION OF THIS AGREEMENT ......... ..............................13
Severability .................................................................... ..............................13
Compliance with Interest Rate Limitations .................... ..............................13
Governing Law .............................................................. ..............................13
ASSIGNMENT OF ACCOUNT ............................................ ..............................13
CHANGES TO THIS AGREEMENT .................................... ..............................13
DEFINITIONS
"Account" means your Discover Card Account.
"Authorized User" means any person whore you autha¢e to use your Account or a Card, W ether you notyy us or no(.
"Card" means any one or more Discover Cards issued to you or someone else with your authorization.
"Pricing Schedule" means the document accompanying your Card and listing the Finance Charge rakes that apply to your Account. The Pricing Schedule is part of this Agreement.
"We," "us" and "our" refer to Discover Bank, the issuer of your Discover Card.
"You," "your" or "yours" refer to, in addition to you, the Cardmember, any other person or persons who are also contrackrally fade under this Agreement.
USING YOUR ACCOUNT
Your Acceptance of this Agreement. The use of your Amount or a Card by you or an AWror¢ed User, or your faiue to cancel your Acmu nt within 30 days after receiving a Card, means you accept
this Agreefinent, miudng the Arbitration of Disputes section on page 11. You may, however, reject the Arbitration of Dfsputas section as explained on page 12.
Permitted Uses of Your Account. Your Account may be used for.
Purchases - to purchase or lease goods or services from participating merchants by presenting your Card or Account number or by using promotional checks, which we may furnish to you, in
accordance with such addilimal terms and conditions as we may offer from time to time.
Cash Advances - to obtain rush advances from participating automated teller machines, financial m lotions or other kxations, the purchase of Wery tickets, racetrack wagers, vouchers redeemable
for cash or for casino chips, money orders, travelers checks, savings bonds, fon'.Ign currency and we transfers, or by means of checks which we may furnish to you, all in accordance with such
additional tens and conditions as we may offr from time to time.
Balance Transfers - to transfer balances from other creditors or to make other transactions by means of balance transfer coupons or credos, in accordance with such additional terms and conditions as
we may offer from time to time.
In addition, your Account may be used to guarantee reservations at
partio-i-paling establishmerits. You will be linable for guaranteed reservations that are not cancelled prior to the time specked by the establishment. Your Account may be used for personal, family,
household and charitable purposes.
Prohibited Uses of Your Account. Your Account may not be used to obtain bans to purchase, carry or trade in securities, to pay any amount you an under this Agree-meat or for any transactions
that are unlawful whhwe you reside or where you are physically located when you use the Account to initiate time transaction ("Prohibited Transactions').
Purchases and Cash Advances In Foreign Currencies. ff you make a purchase or cash advance in a "n currency, it will be converted to U.S. dollars using either a govamrrhent-mandated rate, a
goverment-published rake or the nierbank exchange rate, depending on the country and crren cry in which the transaction is made. The rate used will be the rate in effect on the conversion date for the
transaction, which may be different than the Transaction Date as shown on you statement We charge a Foreign Currency Transaction Fee Finance Charge for each purchase made in a foreign
currency as described in the Foreign Currency Transaction Fee Finance Charges section on page 8.
Cash Advances. Vlfe may periodically offer you special rakes on cash advances for the time period specified in the titer, subject to the Default Rate serdiorh. The offer may contain a Cash Advance
Transaction Fee Finance Charge for each cash advance. After the expiration of the special rate, the standard Annual Peroanfage Rake for cash advances will apply.
Balance Transfem. WB may periodically offer you the oppa-tunity to make balance transfers from other creditors or to make other Uansations to you Account by means of balance transfer coupons
or checks. Each oft will contain an initial special rate, which will be the Annual Percentage Rate that will apply to transferred balances for the time period specified in the offer, subject to the Default
Rate section and may contain a Balance Transfer Transaction Fee Finance Charge for each balance transfer made during the term of the offer, as disclosed in the offer and as set lath in the Pricing
Schedule, if applicable. After the expiration of this time period, the Annual Percentage Rate that apples for purchases wil apply to trans 4ened balarxoes. Balance transfers subject to the initial special
rate are referred to as special rat balance transfers; balance transfers for which the initial special rant has expired are referred to as pumihase rate balance transfers.
Each offer will contain an expiation date. If you at an* to transfer balances by means of a check after the expiration date, we will treat the transaction as a cash advance. We wil not make balance
transfers attempted by means of a coupon after the expiation date.
Credit Authorizations. Certain transactions will require our authorization prior to completion. In some cases, you may be asked to provide klentificatim. We have the right not to authorize a transaction
fa security or other reasons. Also, ft our authorization system is riot working, we may not be able to aulhori e a transaction. We will not be liable to you l any of these events happen.
Authorized Users. IF you want to cancel the authority of a currant Authorized User to use your Account or a Card, you must notify us and destroy any Card in thal person's possession. You can notify
us by telephoning 14004MOVER (1 347-2683), or by wft g Discover Card, PO Box 30943, Sal Lake C4, UT 841300943. None of your rights under this Agreement (other than to pay
amounts ow4 may be exercised by any person not a party to this Agreement acting pursuant to a power of attorney, without our separate written agreement (which we are not obligated to give).
Unauthorized Use. Prior to its use, each Card must be signed by the person to clan it is issued. If a Card is lost or stolen, or l you think that someone is using your Account or a Card without your
permission, notiy
us immediately. You can notify us by telephoning 1-80O MOVER
(14)0.347-2683), or by writing Discover" Card, PO Box 30943, Sal Lake City, UT 84130-0943. You agree to assist us in determining the facts relating to any theft or possible unauthorized use of your
Account or a Card and to oanpy with such procedures as we may require in connection with our invest-igation.
Your Credit Una. We will advise you of your Account credit Ine. We may impose a lower line that will apply to cash advances, referred to as the cash advance credit line. We may also impose a lower
line that wil apply to balance transfers, referred to as the balance transfer credit the. You agree not to allow your unpaid balance, including Finance Charges and fees, to exceed your Account credit We.
9 you exceed your A=unt credit line, we may request immediate payment of the amount by which you exceed you Account credit line,
We may in cease or decrease your Account credit ine, your ash advance credit line or your balance transfer credit line without notice. The credit available fo you use may, from time to time, be less
than you Account credit line. For purposes of determining your available credit, we reserve the right to postpone for up to 15 business days reducing your unpaid balances by the amount of any
payment that we receive. Your avail-able credit will not be inaeased by the amount of any credit balance.
MAKING PAYMENTS
Promise to Pay. You agree to pay us in U.S. dollars for all purchases, ash advances and balance transfers nck*q applicable Finance Charges and other charges or fees, incurred by you or anyone
you authorize or permit to use you Account or a Card, even t you do not notiy us that others are using you Account or a Card. If you pay us in other than U.S. doles, we may refuse to accept the
payment or charge you Account our cost to convert you payment to U.S. dollars. All checks must be drawn on funds on deposit in the U. S. You may riot use a ash advance check, balance transfer
check or coupon, or any other p ornotional check drawn on any Discover Bank credit card account to make payments on you Account.
If your Account is a joist Amount, each of you agrees to be liable i diftaly and jointly for the entire arnou t owed an your Account We an accept late psymerda or partial payments or checks
and money orders marked "payment in fuir or with any other restrictive endorsement without losing any of our rights under this Agreement.
Monthly Billing Statement We wit send you a biling statement after each monthly billing period in which you have a debit or credit balance, unless we waive our night to do so as permitted by law. The
biling statement will show al purchases, cash advances, balance transfers, Finance Charges and other charges or fees and al payments or other credits posted to your Account during the biting
period. it will show your New Balance, Payment Due Date, and Minimum Payment Due as of the end of the billing period. If your prior month's payment is returned unpaid, your mquW Minimum
Payment Due may be higher than shown on your bill g statement. See the Minimum Monthly Payment section on page 5.
Monthly Payment Options. You may at any time pay the entire New Balance shown on your WIN statement, but each mach you must pay at least the Minimum Payment Due as described in the
Minimum Monthly Payment section. All payments must be made in accordance with the temps, including the payment c ulaff time, stated on your monthly billing statement, and we will credit your
Account in accordance with those terns. In addition, we reserve the right to change those terra without prior notice as pemnlted by law.
Automatic Billing Arrangements. 9 you Account number ardor Card expiration date charges and our records indicate you have automatic billing established with a merchant, we will attempt to
provide your new Acm urd nl rriation to that merchant. To ensue uninterrupted biting, we recommend that you verily the merchant has you new Account nfammation. You must contact the merchant
directly ft you do not wish to continue the automeitic losing arrangement.
How We Apply Payments. We will apply payments and credits to the New Balance shown on you current billing statement in order of the Annual Percentage Rate appl-cable to the balance of each
transaction category (as referenced in the Finance Charges section), generally iron lowaM to highest beginning with the balance subject to the lowest Annual Percentage Rate. We than apply
payments and credits to any new transactions using the same method. However, we have the right to apply payments and credits to balances with higher Annual Percentage Rates prior to balances
with lower Annual Percentage Rates, such as when there are two initial special rates applicable to your Account and the lower Annual Percentage Rate w it expire before the higher Annual Percentage
Rate.
Minimum Monthly Payment The Minimum Payment Due each month will be the greater of:
• the New Balance i it is less than $15;
• $15 if the New Balance is $15 or more; or
• any past due amount plus the greater of:
2% of the New Balance (excluding current Periodic Finance Charges, Late and Oveftit Fees) rounded up to the named dolar or
current Periodic Finance Charges plus Late and Overknmf Fees plus $15 (not to exceed 3% of the New Balance) rounded up to the nearest dollar.
We may also include some or all the amount by which you exceed your Account credit ine. 9 more than 90% of you New Balance consists of special rate balance transfers, we may, at our discretion,
increase your Mninxrn Payment Due to a maxmun of 4% of the New Balance I it would otherwise be less than that. We may subtract certain fees to calculate the Nlimiarmun Payment Due. The
Wimun Payment Die wit never exceed the New Balance. Paying the Mnimxun Payment Due may be insufficient to bring your Account balance below you Account credit tine and, consequently, may
not avoid the imposition of an additional Ovekimit Fee described in the Ovediml Fee section.
Skip-A-Payment Offers. We may from time to time allow you to not make a minimum monthly payment: and will notify you when this option is available. If you take advantage of this offer and do not
make a mininun monthly payment, finance charges and any applicable fees wit accrue on you Account in accordance with this Agreement and you must pay the Mnirnm Payment Due for the
folawng biting periods.
Credit Balances. We will refund any credit balance within seven business days from receipt of your written request. If you do not request a refund, we will autD-mabaly refund credit balances greater
than $1 that remain in your Account after 6 months.
FINANCE CHARGES
How We Calculate Periodic Finance Charges. We begin to impose Periodic Finance Charges on all transactions from the Transaction Date for the transaction as shown on your billing statement,
unless a transaction is posted to your Account after the close of the billing period in which d oocurs, in which case we begin to nipose Periodic Floe Charges on that transaction from the first day of
the bill ing period in which it is posted to your Arrant. We continue to impose Periodic Finance Charges until the date you pay your entire New Balance, by making payments or receiving credits.
However, if you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement and you pay the New Balance by the Payment Due Date on you
current billing statement, we will not impose Periodic Finance Charges on now purchases, that is, purchases first appearing on the current billing statement. We call this the "grace period." Thee is no
grace period on balance transfers or cash advances.
We sort your transactions into groups of purchases, cash advances, and balance transfers and then further sort the transactions within each group by their Annual Percentage Rate. For example,
purchases subject to a promotional rate and purchases subject to a standard rate would be separate groups. We refer to tow groups as transaction categories. At tie end of each billing period, we
compute balances and Periockc From Charges for each day of the billing period for each transaction category. We use the following equation to compute Periodic Finance Charges for each
transaction category:
(Average Daily Balance) tinhes (days in billing period) tares
(Daly Periodic Rate).
(You may refer to the finance charge summary on your billing statement for these amounts.) Then we add up the Periodic Finance Charges for each transaction category to get the total Periodic
Finarnce Charges fa your Account. The Average Daly Balanoe is shown as zero if, because of
the grace peiod, no Periodic Finance Charges apply to the balance in a transaction category.
How We Calculate Your Balances. We use the Average Daly Balance (including new transactions) method of calculating the balance upon which we impose Periodic Finance Charges. We compute
the Average Daly Balance fa each transaction category by adding up all the daily balances in a billing period for a transaction category and dividing the total by the number of days in the bung period.
We compute the daily balance for each transaction category on each day by fist adding the folowing to fie previous day's daffy balance: transactions with a Transaction Date of that day as shown on
your billing statement, unless the transaction is posted to your Account after the dose of the billing period in which it occurs, in which case the transaction wig be added to the daily balance as of the first
day of the billing period in which it is posted to your Accourt fees charged that day and Periodic Finance Charges accrued on the previous day's daily balance; and by then wtilracting any credits and
payments that are applied against the balance of the transaction category on that day. In calariatng the daily balance for the first day of the billing period, we consider tie 'previous day's defy balance
to have been your balance fa each transaction category on the last day of your previous Wing period.
All fees charged to your Account are added to the standard purchase,
trans-action category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the applicable cash advance
trars4dion category and Balance Transfer Transaction Fee Finance Charges which are added to the applicable balance transfer transaction category. When the special rite expires, we move the
unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purdnase transaction category. However, 'd the special rate has been tem"ed
under the Default Rate section, we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges in the applicable balance transfer transaction calegay
until the special rate would have expired.
Variable or Fixed Interest Rates. The Daly Periodic Rate and corresponding Annual Percentage Rate that apply to each transaction category are either fixed rates or variable rates as set forth in your
Pricing Schedule or n any special offers you receive from us. The Daly Periodic Rate is I MM of the corresponding Annual Percentage Rate. Variable Annual Percentage Rates are deter-mired by
adding a specified number of percentage polls to the Prime Rate. This is shave on the Pricing Schedule as 'Rim + (per-oehtage points),' For purposes of this Agreement, the Prime Rate is the
highest rate of interest listed as the "prirm rate' in the Maley Rates section of The KW Sbeet Journal on the lest business day of the month. The Prime Rate is merely a pricing index and does not
represent the lowest or best interest rate available to a borrow at any bank at any given time. I you have a variable rate, your Annual Percentage Rate will increase or dexease when the Prime Rate
changes. This change will be effective beginning with the first day of the bitting period that begins dung to same month as the change in the Prime Rafe. An increase in the Annual Percentage Rate
may increase your Minimum Payment Due.
Default Rate. Each time you do not make a required payment on time (a Default Rate Event'), we may increase the standard Annual Percentage Rates far purdhaees, balance transfers and cash advances to
a variable rate equal to the Prime Rate + up to 27.99%, but such rate will never exceed 29.99% (the Mefaug Rate j. At the same time, any special races on purchases, balance transfers or rash advances will
end and the Default Rate may apply. The maximum Default Rate which would currently apply is set forth in your Pricig Schedule. We will base your Default Rabe on factors such as:
• your current APRs
• your payment history with us
• your general credit history
Any increased rate will apply beginning with the fist day of the billing period in which we did not receive at least the Minimum Payment Due by the Payment Due Date. If your standard Annual
Percentage Rate for purchases was inxeased under fns or any previous version of the Default Rate section and, for any me consecutive King periods thereafter another Deleult Rate Event does riot
occur, then your Annual Percentage Rate for your new purdhases will be reduced to a lesser variable rate which may be higher than your previous standard Annual Percentage Rate for purchases and
your Annual Percentage Rate for you existing pudnese balance may be reduoed to a lesser variable rate which may be higher than your previous standard Annual Percenrtage Rate for purchases. Any
reduced Axial Percentage Rates on new and existing purchases may be different and will apply beginning with the first day of your tenth billing period. However, if a Default Rate Event occurs in tie
tenth billing period, a Default Rate will apply
.
Cash Advance Transaction Fee Finance Charges. Unless otherwise specified in a cash advance offer, we will charge you a Cash Advance Transaction Fee FINANCE CHARGE of 30/6 of the amount
of each new cash advance with a minimum Cash Advance Transaction Fee FINANCE CHARGE of $5 and no maxi-mum. The imposition of Cash Advance Transaction Fee Finance Charges may
result in an Annual Percentage Rate for cash advances that is higher than the nominal Annual Percentage Rate. AN forms of cash advances, including the use of Discover Card checks, regardless of the
purpose for which used, are subject to Cash Advance Transaction Fee Finance Charges. To obtain the total Finance Change on cash advances for each billing period, we add any Cash Advance
Transaction Fee Finance Charges for the biting period charged under this section lo any Periodic Finance Charges calculated under the Periodic Finance Charges section for each cash advance
transaction category and add up these amounts.
Balance Transfer Transaction Fee Finance Charges. t the balance transfer offer you receive contains a Balance Transfer Trans action Fee Finance Charge, we will charge you a Balance Transfer
Transaction Fee Finance Charge for the amount of each balance transfer made under that offer. V there is a Balance Transfer Transaction Fee Finance Change in conjurncion with the otter you
received when you applied fa an Account, it will be in the amount set font in the Pricing Schedule. The inposilion of Balance Transfer Transaction Fee Finance Charges may result in an Annual
Percentage Rate for balance transfers that is higher than the nominal Annual Percentage Rale. To obtain the total Finance Charge on balance transfers for each tilling period, we add any Balance
Transfer Transaction Fee Finance Charges calculated under the Periodic Finance Chagas section for each balance transfer transaction category and add up these amounts.
Foreign Currency Transaction Fee Finance Charges. We will charge you a Foreign Currency Transaction Fee FINANCE CHARGE of 2% of the U.S. dollar amount of each purchase made in a
foreign currency. The imposition of Foreign Currency Transaction Fee Finance Charges may result in an Annual Percentage Rate fa purchases that is higher than the nominal Annual Percentage Rate.
To obtain the total Finance Charge on purchases for each biffng peiod, we add any Foreign Currency Transaction Fee Finance Charges for the billing period charged under this section to any Periodic
Finance Charges calculated under the Periodic Finance Charges section for each purchase transaction category and add up these amounts.
Minimum Finance Charge. Vlk will charge you a minimum FINANCE CHARGE of $.50 for any billing period in which Periodic Finance Charges of less than $.50 would otherwise be imposed.
FEES
Annual Fee. If your Pricing Schedule accompanying your Card i ckides an Annual Fee, we will charge you an Annual Fee in the amount indicated. We will charge you this fee when we open your
Account and at the beginning of each anniversary year your Account a open. The Annual Fee is not refundable, except as provided by law.
Late Fee. We will charge you a Late Fee t you have failed, as of the Payment Due Date, to make the Mninum Payment Due that was required to be paid fa that tailing period. The amount of the Late
Fee is based on the sun of all outstaWM purchases, cash advances, balance transfers, other charges, other fees and Finance Charges at the end of the billing period fa which we did riot receive
timely payment. M the an is $250 or less, the fee is $19; it it is greater than $250, the fee is $39.
Ovedimb Fee. We will charge you an Over" Fee each time that, as of the dose of a billing period, you outstanding Account balance exceeds your Account credit line. This fee may be charged even
t the transaction which causes you to exceed your Account credit line is autlha¢ed by us or t you exceed your Account credit line due to the posting of finance Charges or fees to your Account. The
amount of the Ouerin4 Fee is based on the sum of all outstanding purchases, cash advances, balance transfers, other charges, other fees and Finance Charges at the end of the bting period. t the
sum is equal to or less than $500 and you exceed your credit line, the Overtmx Fee is $15. If the sun is greater than $500 and you exceed your credit line, the Overfind Fee is $39.
Retuned Payment Fee. We will charge you a Returned Payment Fee of $35 each time you pay us with a check or other instrument that is shined unpaid. This fee will also apply t a debt transaction
to a depose account from which you have autha¢ed us in writing, electronically or orally to penodicalty deduct all or a pad of an amount you owe us under this Agreement is retuned unpaid. We will
chage you this fee the fist time any payrrhent is retuned unpaid, even t k is paid upon resubmission.
Returned Discover Card Check Fee. We will change you a Returned Discover Card Check Fee of $35 each time we decine to honor a Discover Card cash advance check, balance transfer check,
promotional purchase check, or other promotional check.
Pay-By-Phone fee. We may from time to time allow you to make payments by author¢ng us over the telephone to transfer or pay funds from a deposit account to your Account. We wriN charge a Pay-
By-Rhone Fee of $10 for each such transfer or payment.
Research Fee. We may dharge you a Research Fee of $5 for each copy of a billing statement or sales slip that you request. However, we will not charge a fee it you request copies in oonneclion with a
biting error.
DEFAULT AND CANCELLATION
Types of DefaulL You are in default k you became insolvent; k you fide a bankruptcy petition or have one filed against you; it we have a reasonable belief that you are unable or unwilling to repay your
obligations to us; t you are declared incompetent by a court or k a court appoints a guardian for you or a conservator for your assets; t you die; f you fail to campy with the terms of this Agreement,
including failing to make a required payment when due, exceeding your Account credit line or using your Card or Account for a Prohibited Transaction; or 'rf you fail to make a required payment when
due on any other account you have with us.
Consequences of Dehuit. If you are in default, we may declare the entire balance of pr Account immediately due and payable without notice. K we refer the collection of you Account to an Womey
or employ an atamey to represent us with regard to recovery of money that you owe us, we may charge you reasonable aborneys' fees and court or other collection casts as permitted by law and as
aduaty ihcumed by us, including fees and costs in corHWion with any appeal. We may delay enforcing or not enforce any of our rights under this Averment without losing or waiving any of thorn.
Cancellation. You may canal your Account by notifying us in writing or by telephone and returning or destroying every Card and unused check that we have provided you. You can notify as by
telephoning 1400-DISCOVER (1400-347-26M), or by writing Discover Cad, PO Boo 30943, Salt Lake City, UT 84130.0943. Of averse, you will still be responsible to pay any anaut you owe us
according to the temps of this Agreement. I you Account is a joint Account, either Cadmemmber may cancel the Account, but you will both remain responsible to pay any amount owed to us according to
the items of this Agreement. We may camel or suspend your Account at any time withod notice. We may choose not to renew you Account (beyond the expiation date shown on the face of a Cad)
without notice. You must return any Card or unused checks to us upon request.
PRIVACY AND OUR COMMUNICATIONS WITH YOU
Our Privacy Policy. We may from time to time review your credit, employment and income records. We respect the privacy of information about you and you Account. Our Privacy Policy ndudes a
summary of the personal nfor-maton we collect, when it may be shared with others, how we safeguard the confidentiality and security of information and the steps you may take to limil our sharing of
such nfonnation with otlmas. Please read it c ff*ly as it is part of your Cardmembe Agreement.
Reporting to Credit Reporting Agencies. As radiated in our Privacy Poky, we may report to credit reporting agencies and other creddas the status and payment history of yourAaoount, WAudng
negative credit ktonnation. Late payments, missed payments or other defaults on your Account may be receded in your credit report. We normally report to such credit reporting agencies each month. A
you believe that our report of your Account status is inaccurate or incomplete, please write us at the following address: Discover Card, PO Box 15316, Wiknirgton DE 196545316. Please include your
name, address, home telephone number and Amount number.
Our Communications with You. Our personnel may listen to or record telephone calls between you and our representatives without addi iamal notice to you as permitted by law. We may use any
medium, including but not inked to mail, live telephone calls, automated telephone equipment, prerecorded tale-phone calls, e-mail and may make oats to your cell prone to contact you about your
Account or offer you products or services that may be d value to you. 9 you prefer not to be contacted in one or we of these ways, telephone us at 1 X00-DISCOVER (1 X347-2683) or write to us
at Discover Cad, PO Box 30861, Sak Lake City, UT 841300961.
Releasing Infonation About Your Account. We provide various methods by which you can obtain i iomhaton about your Account. Wile will only release such Monration to you, any Authorized User
that our records indicate is an authorized buyer on yourAccout and any other person with your prior pemnission, in addition to as pro-vided in our Privacy Policy or as required by law. Our secruity
measures cannot insure against unauthorized inquiries. You agree that we will riot be responsible for the release of information to ayone who, even t w*vW your autha¢ation or permission, has
gained possession of a Card or has leaned other identifying clmxteris ics about you such as your per-sanal WentfCabon number, Account number or social security number.
Electronic Nikes to You. We may offer you the opportunity to receive certain indices from us electronically rather than through the malt, including monthly billing statements and change of terms
notices. The tens and conditions for receiving these electronic cormmuuhications will be described in the offer.
Notices - Changes to Your Information. I you change you e-mail address, mailing address or telephone number you must notify us of your new address or telephone number within 15 days. You can
nobly us by telephoning 14f0-D OVER (1 347-2683) or by w*g Disoover' Card, PO Box 30943, Sell Lake City, UT 841340943. I your Accout is a Joint Account, any notice we mad to an
address you have provided for the Amount will save as notice to booth Cardmembe s.
CLAIMS AND DISPUTES
Merchant Disputes. We are not responsible for the refusal of anyone to accept or honor a Cad or to accept decks that we have provided you. If a merchant fats to provide you purchase to your
satisfaction and you request a credit to your Account, we will investgate the dispute. K we resolve the dispute in you favor, we will issue a credit to you Account and you will be deemed to have
assigned to us your claim against the merchant ahdfor any third party fa the credited amount. Upon our request, you agree to provide us with written evidence of such assignment.
Claim Notices. In the event that you or we have a claim that arises from or relates to you Account, any prior amount you had with us, your
applycation, the relationships which result from you Account or the enlaoe-abi icy of the Agreement or any prior agreernent, before intimating, joining or partiapai ig in any judicial or arbitration
proceeding, as ether an individual Nbgant or member of a class CProceedirM, the complwng party shall give the other party: (1) a written now of the claim ("Clain Notce7, at least 15 days before
initiating any Proceeding, explaining in reasonable detail the nature of the claim and any sup-porting fads; and (2) a reasonable good faith opportunity to resolve the darn %*xx A the necessity of a
Proceeding. This includes cry claims irwolvirg our parent corporation, subsidiaries, alANales (inducing, with-out irrtaton, DFS Services LLC), predecessors, successors, assigns, as well as the officers,
directors and employees of each of these entities. Any Claim Notice shall be sent to us at Discover Card PO Box 3024, New Albany, OH 43054 (or such other address as we shall subsequently provide
to you) (tie 'Claim Notice Addressl or to you at your address appearing in our records or, I you are represented by counsel, to your attorney at your AbT*ys office.
Arbitration of Disputes. Agreement to arbtrade. In the event of any past, present or future claim or dispute (whether based upon contract, tort, statute, common law or equity) between you and us
arising from or relating to your Account, any prior account you have had with us, your application, the relationships which result from your Account or the enforceabiBy or scope of this arbitration
provision, of the Agreement or of any prior agreement, you or we may elect to resolve the claim or dispute by binding arbitration. IF EITHER YOU OR WE ELECT ARBITRATION, NEITHER YOU NOR
WE SHALL HAVE THE RIGHT TO Lf MTE THAT CLAM IN COURT OR TO HAVE A JURY TRIAL ON THAT CLAIM PRE-HEARING DISCOVERY RIGHTS AND POST-HEARING APPEAL
RIGHTS WILL BE LIMITED. NEITHER YOU NOR WE SWILL. BE ENTITLED TO JOIN OR CONSOLIDATE CLAMS IN ARBITRATION BY OR AGAINST OTHER CARDMEMBERS WITH RESPECT
TO OTHER ACCOUNTS, OR LITIGATE IN COURT OR ARBITRATE ANY CLAMS AS A REPRESENTATIVE OR MEMBER OF A CLASS OR IN A PRIVATE ATTORNEY GENERAL CAPACITY
('Class Action Waiver').
Notwithstanding anything else to the ahrdrary in this arbitration provision, only a slut, and not an arbitrator, shall deter-mine the validity and elect of the Class Action Waiver. Even I all parties have
opted to itigabe a dein in court, you or we may elect arbitration with respect to any claim made by a new party or any new claims later asserted in that Iawsul and nothing undertaken therein shall
constitute a waiver of any rights under this arbitration provision. We will not evoke our right to arbitrate an individual claim you bring n small claims cart or your state's equivalent court, 'd any, unless
such action is transferred removed or appealed to a different court.
Governing Law and Rules. Your Account WOves i lerstate commerce and this provision shall be governed by the federal Arbitration Ad (FAA). The arbi4rabon shalt be conducted, at the option of
whoever files the arkiRraton claim, by either the American Arbitration Assoctalim (AAA) or the National Arbitration Forum (NAF) in accordance with that procedures in effect when the claim is filed. For
a copy of tnei procedures, to file a claim or for other information, contact AAA at 335 Madison Ave., Floor 10, New York, NY 1001 7-M, ILpp w ado om (phone 14M778-7879) or NAF at PO Box
50191, Minneapolis, MN 55405 (phone 1-= 474-2371). No other arbitration form will be penTAW, except as agreed to pursuant to either the Changes to this Agreement section or a writing signed
by both parties. Unless consented to by all parties, no arbitration may be administered by any administrator that has arty formal or informal policy, rule or pro-ceckre that is inconsistent with or purports to
override the terms of this section. I we elect to resolve a claim or dispute by binding arbitration and the arbitrator issues an award in your favor on a chain or claims with respect to which you would not
otherwise be entitled to recover your arblratiah filing, administrative and hearing fees, reasoxhable attorneys' fees ahdlor other arbitration costs, we will be responsible for paying or reimbursing such
costs and fees I awarded by the arbitrator.
Fees and Costs. At your written request, we will advance any atitraaton filing, administrative and hearing fees which you would be required to pay to pursue a claim or dispute as a result of our electing
to arbitrate that claim or d#*. Send requests to Discover Card PO Box 30421, Salt Lake City, LIT 841 XM921. The arb t alor will decide who will ultirtatey be responsible for paying those fees. You
will only be responsible for paying or reimbursing our arbitration filing, administrative or hearing fees to the extent you would have been responsible for paying 'atbmeys' fees and court or other
collection costs' had the action proceeded in court. In no event will you be required to pay any fees or ousts incurred by us in connection with an arbitration proceeding where such a payment or
reimbursement is prohibited by applicable law.
Headrgs and Dedsma Any abitrallon hearing will take place in the federal judicial district where you reside. The arbitrakx shall fallow applicable substantive law to the extent o mistent with the FAA
and applicable statutes of limitations and shalt honor dam of privilege recognized at law and shalt be authorized to award all remedies permitted by the substantive laws that would apply I the action
were pending in court. I requested by any party, the arbitrator shall wrtee an opinion containing the reasons for to award. The arbiba-tor's decision will be final and binding except for any appeal rights
under the FAA and except that I the arhount in cor*oversy exceeds $100,000, any party may appeal the award within 30 days to a thre& arbftW panel, which shall review the award de novo. Unless
applicable law provides otherwise, the appealing party Will pay the cost of the appeal, regardless of its outcome. However, we will consider in good faith any reasonable request for us to bear the fees
charged by tie arbitration administrator and the arbtrators in connection with the appeal. Judgment upon any award by the arbitrator may be enforced in any court having jurisdiction.
OdwBeneftmes of this Provision. Our rights and obligations under this arbitration provision shall we to the benefit of and be binding upon our parent corporations, subsidiaries, affiliates (including,
without limitation, DFS Services LLC), predecessors, successors, assigns, as well as the officers, directors and employees of each of these entities, and will also inure to the benefit of any third party
named as a co4efiandant with us or with arty of the foregoing in a claim which is subject to this arbitration provision. Your rights and obligations under this arbitration provision shall inure to the bernefit of
and be Wing upon all persons conhactualy liable under this Agreement and all Authorized Users of tee Account
Survival of firs Provision. This abilration provision shalt survive termkia-tion of your Account as well as voluntary payment in full by you, any legal proceedings by us to celled a debt owed by you, any
banlwptcy by you and any sale by us of your Account.
Right to Reject Arbitration. You may reject the Arbitration of Disputes section by providing us a notice of rejection within 30 days after receiving a Card, at the following address:
Discover Card, PO Box 30938,
Sall Lake City, UT 84130-0938. If you were previously subject to arbitration with respect to any account with us, this right to reject arbitration will rat apply to you. Your rejection notice must irhdude your
name, address, telephone number, Account number and signature and must not be send with any amen correspondence. Gaping us to indicate that you reject the Arbitration of Disputes section or
sending a rejection notice in a manner or format that does not campy with all applicable requiements is insufficient notice. n order to process your notice, we require that the notice be provided by you
directly and not through a third party. Rejection of art"adion will not affect your other rights or responsibilities under this Agreement or your obligation to arbibate disputes under any other account as to
which you and we have agreed to arbitrate disputes. I you do not send a rejection notice, you will be obligated by the Arbitration of Disputes section with respect to this and any prior account you have
had with us, even I you have previously sent a rejection notice with respect to that prior account.
LEGAL INTERPRETATION OF THIS AGREEMENT
Severability. I any part of this Agreement becomes unenforceable, it will not make any other part unenforceable, except that I the Class Action Waiver set forth above in the Arbitration of Disputes
section is invalidated in any proceeding in which you and we are involved, then the Arbitration of Disputes section will be void with respect to that proceeding.
Compliance with Interest Rate Limitations. We intend that this Agreement will comply with applicable Merest rate limitations. You will not be required to pay Finance Charges or other charges at a
rate that is greater than the maximum amount perr,tited by law. I I is ever finally deter4nined that, but for this section, to Finance Charges or other charges under this Agreement would exceed the
maximum lawful amount, the Finance Changes and other charges will be reduced to the maxmum lawful amornt. Any excess amount that you have already paid will be used to reduce the outstanding
balance of your Account or will be refunded to you by means of a check in our discretion.
Governing Law. This Agreement and any claim or dispute arising out of this Agreement will be governed by applicable federal law and, to the extent state law applies, Delaware law.
ASSIGNMENT OF ACCOUNT
We may sell, assign or transfer your Account or any portion thereof with-art notice to you. You may not sell, assign or transfer your Accent without fret obtaining our prior written consent.
CHANGES TO THIS AGREEMENT
We may change any tern or part of this Agreement, including, but not limited to, any finance charge rate, fee or method of computing any balance upon which the finance charge rate is
assessed or add any new term or part to this Agreement. I required by law we will send you a no du at least 15 days before the change is to become effective. We may apply any such
change to the outstanding balance of your Account on the effective date of the change and to new charges made after tint date. You may be oMred the opportunity to reject some of the
changes, and If you do, you must notify us in writing within 15 days after the mailing of the notice of change at the address provided in the notice of change, in which case your Account
will be closed and you must pay us the balance that you owe us under the existing terms of the unchanged Agreement. Otherwise, you will have agreed to the changes in the notice. Use
of your Account after the effective date of the change will be deemed acceptance of the new terms as of such effective date, even if you previously notified us that you did not agree to
the change.
We may also change any tern of any product, service or benefit offered in connection with your Account. We will notify you as required by law or by the tens of the product, service or
benefit.
PRIVACY POLICY
We are required by federal law to provide you with a copy of our Privacy Policy each year. If you have previously notified us about your privacy preferences, as described in Section 4, it
is not necessary to do so again unless you decide to change your preferences.
We Respect Your Privacy
Our mission is to provide you wdh superior products and services, along with the peace of mind knowing that the secunly of your personal information is our top prionrly. We understand your DDnc m about
guarding iifonmabon about you and yourAccouxnt We went to assure you that we have taken steps, and will continue to We steps, to safeguard that infanrralim.
This Privacy Policy describes our effais to meet these objectives. it includes a summary of the folbMring important do nnalim:
A listing of the personal information we collect;
The circumstances in which we may share information with others;
The ways we safeguard the oordidentiaNly and security of information;
and
The steps you may take to km>it our sharing of such information with
others. See Section 4 for complete details.
Please read our Privacy Poky can**. it will help you understand taw we collect and share information.
1. What Personal Infomration Do We Collect?
To serve you better and manage our business, it is important that we cotect and maintain accurate personal information about you. We obtain this information from applications and other farms you
submit to us, from your dealings with us and otters, from consumer reporting agencies, and from other sources, such as our Web sites. For example:
We may obtain information such as your name, address and date of birth from applications and other forms you submit to us.
We may obtain ihfortmation such as A=unt balances, payment history, your use of your A=unt and the types of services you prefer from your transactions and other dealings with us and otters
We may obtain information such as the balances of your bans with other lerders and your pays arr: history with others from consumer reporting agencies.
We may obtain ihforination such as your Internet service provider, your e-rra1 address, your corptdees operating system and Web browser, your Web site use and your product and service
preferences from your visits to Web sites.
2. Is Personal Information Shared with Others?
We limit the to" of idorrmation with others. Many of the offers you receive for products and services are provided directly to you from us. For example, a retailer that accepts the Discover Card may
come to us with a special offer for Cardmembers, such as a discount certificate or product upgrade. After careful consideration of the nature of the offer and the company, we will creete a list of
Cardr a tubers who may be interested in the offer based on certain charadenslics. We will send the offer directly to those Candmembers on behalf of the retailer by, for example, including an insert in
their monthly billing statement or maiig the offer ourselves. We conbd the information used to make the offer, we do not share the lid or any information about our Cardrnembers with tie retailer.
However, please understand that lf you do receive this type of offer from us and choose to take advantage of it, the retailer may then learn inform atan about you because only Cardrnembers with certain
cdnarauieri tics received the offer.
There are, however, circumstances in which we may share the information we collect about you, as described in Section 1, with other oomparies in order to provide you with access to products and
services and to service your Account effectively, as detailed below. We require these companies to adhere to our privacy standards and to use this information only fa the limited purpose forwhich it
was shared. We do not allow them to discim A to others without our prior approval.
a. Sharing Personal Information with Our Corporate Family
Our corporate family offers a variety of products and services that can help you manage your finances. In order to provide you with access to these products and services, we may share the information
we collect about you, as described in Section 1, with other members of our corporate family. These oompanies include financial service providers that offer credit protection, card servicing and payment
Processi?9 services.
b.
Sharing Personal Information wM Non 4091ed Parbes for
Marketing Purposes
We may share the intimation we collect about you, as desmbed in Section 1, with nort4blated third parties, Including those that accept the Discover Card, in order to provide you with access to
products and services offered directly by these companies that may be of value to you. These companies include financial service providers, such as insurance companies, and nort-financial Companies,
such as retailers.
Sharing Parsonallnfamabon witin Others
We may share the idamation we oDlled about you, as desabed in Section 1, with companies trot perform support or marketing services on our behalf, such as mailing, market research and dale processirg;
other 5narndal institutions wilco which we have joid marketing agmermenls; or companies that are our partners for aAxand credit card programs or reward programs. We may also share such i fornation as
permitted by law.
How Do We Protect the Confidentiality, Security and Integrity of Information about You?
We maintain physical, electronic and procedural safeguards to protect the iniomration we collect abort you. Access to such information is restricted to individuals who need it in order to service your
Account or provide products and servioes to you, and who are trained in the proper handling of such information. Employees who violate these cordidentiality requirements are subject to or disciplinary
process. Where thud parties provide support services, we require them to conform to our privacy standards.
it is important that the information we maintain about you is accurate and complete. If you see information in your monthly billing statements or elsewhere which suggests that our nfornation is
incomplete or nacaxate, please write to us at Discover Card, PO Box 30943, Sale Lake City, UT 84130-0943 so that we can update this information,
4. How Can You Limit Sharing of Information About You?
We respect your privacy and offer you choices as lo whether we may share irfamnation about you with others. You have the option to tell us not to share the i formeitian we collect abort you, as described in
Section 1, with non abated third parties. You also have the option to tell us not to Ow the dormation we collect about you, as described in Section 1, with companies in our corpoiale fancy. I you ndirale a
preference for either ctthese options, please understand that you may not receive olfars for products and services provided by other companies that could help you lover your casts, maximee your financial
resources, or manage your finances.
To indicate your preferences, please call us at 1 4808-225-5202 or write to Discover Card, PO Box 30961, Salt Lake City, UT 84130-0981. If you have previously notified us about your
privacy preferences, it is not necessary to do so again unless you decide to change your preferences. Your written request should WAxle your nano, address, telephone number and Account
number(s) and should not be sent with any other correspondence. In order to process your request, we require that the request be provided by you directly and not through a third party. You will need to
provide us with your preferences for each credit cad aoawnt you have with us.
You may notify us about your preferences at any time. Your request will remain in effect until you ratify us otherwise. VVe will honor your request and not share this i i mmation except as permited by
law. For example, federal law permits us to share information about you with consumer reporting agencies, service providers anxl financial institutions with which we have joist marketing agreements. H
you are a new Cardmhernber, we will not share any irifeomiation abort you, except as permitted by law, for thirty days after we provide this Policy to you in order to give you an opportunity to inform rrs
about your preferences. 9 you are an existing Carcirriember, please understand that you may continue to receive marketing offers directly from other companies that were shady in production prior to
the processing of your request.
This Privacy Policy is provided to the primary Cardnamber listed on the Account. However, any joint Canimember has the right to notify us about preferences and we will freak that request as applying
to the entire Account We do not share information about former customers, except as permitted by law. This notification supersedes all previously issued Privacy Policies. We reserve the right to amend
this Privacy Policy from time to time and we will notify you if we do so.
This Privacy Policy is provided to you by Discover Bank and its subsidiaries, which currently nckide GTC ihararh08 Agency, ky- and Discover Products Inc. Unless otherwwisee specified, k applies to the
family of Discover Cads for consurners and the products and services offered in connection with those Cards, ixiurding the VOW Protection card r gWMon service (With the exception of any
infatuation registered in connection with the service, which will not be shared). it is pat of your Carinember Agreement and provides a further explanation of how we COW and sham d0171131110111. You
may have other rights under stake larva that apply to this information. Please note that you will also move privacy notices for other credit cad accounts you have with us, as well as other financial
products and services provided to you by us and our affiliates. You will need to indicate your preferences for each of these separately as disclosed in the notice.
Vermont Residents - Your state law requires financial institutions to obtain your consent prior to sharing information abort you with others. Except as permitted by law, we will riot share information we
tolled about you with non-affiliated third parties or companies in our corporate family unless you call us at 1.M-0ISCOVER (1400.347-2683) and authorize us to do so.
California Residents - Your state haw requires financial institutions to obtain your consent prior to sharing information about you with nisi-affiliated third parties. Except as permitted by haw, we will not
share nfommation we collect about you with non-affiliated third parties while you are a resident of Caftmia.
Your Billing Rights
KEEP THIS NOTICE FOR FUTURE USE
This notice contains important information about your rights and our responsbilWa under the Fair Credit Billing Ad.
1. Notify Us in Case of Errors or Questions About Your Bill
If you think your bill is wrap or it you need more nfannation about a Uansadion on your bill, write us on a separate sheet of paper at the address listed on your bill for Notice of Billing Erors. Write to us
as soon as possible. We must hear from you no later than 60 days after we sent you the first bull on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights.
In your letter, give us the folow" nfornation:
• your name and Account number.
• your dollar amount of the suspected error.
describe the error and explain, if you can, why you believe there is an error. If you need more infomhalbn, describe the item you are not we about.
If you have aultaaed us to pay you credit card bit automatically from your savings or checking aooou it, you can stop the payment on any amount you think is wrong. To stop the payment, your letter
mint reach us three business days before the automatic payment is scheduled to corr.
Your Rob and Our Responsi6Bffres After We Receive Your
Wrfflw Notice
We must acknowledge your lelterwithn 30 days, unless we have corrected the error by then. Mn 90 days, we must either coned the error or explain why we believe the bill was coned.
After we receive your letter, we cannot try to coiled any amount you question or report you as delinquent. We can corhtinnue to burl you for the amount you question, irxiudig finance charges and we can
apply any unpaid amount against your Account credit init. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of you bill that are not in
question.
If we find that we made a mistake on you burl, you will not have to pay any finance changes related to any questioned armount.1wre didnt make a mistake, you may have to pay the finance diages, and you will
have to make up any missed payments on the questioned amont. In either rase, we will send you a statement d the snood you cave and the dole that it is due.
If you fail to pay the amaxd that we think you owe, we may report you as deli iquerd. However, if our explanation does not satisfy you and you w rile us within torah days telling us that you still refuse to
pay, we must tell anyone we report you to that you have a question about your bill. And, we must tell you the name of anyone we reported you to. We must tell anyone we report you to that the matter
has been settled between us wtien it finally is. If we don't follow these rules, we can't soled the first $50 of the questioned amount, even it your bill was coned.
3. Special Rule for Credit Card purchases
If you have a problem with the quality of goods or services that you purchased with a credit card, and you 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 goods or services. There are two irritations on this right:
(a)
you must have made the purchase in your home state or, I not within your home state, within 100 miles of your current mailing address; and
(b) the purchase price must have been more than $50.
These limitations do not apply N we own or operate the merchant or if we mailed you the advertisement for the goods or services.
4. Purchases Made with Checks or Cash Advances
The Special Rule fa Credit Card Purchases does not apply to purchases made with a balance transfer check, cash advance or pnanotanal purchase check. Therefore, R you have a problem with the
quality of goods or services that you purchased with a balance transfer check, prornotional purchase check, cash advance check or the proceeds of a cash advance, you do not have the right to
withhold payment of the amount due.
DESCRIPTION OF COVERAGE
SCHEDULED AIR TRAVEL ACCIDENT INSURANCE
Discover' Cardrnernbers are provided with $500,000 Scheduled Air Travel Accident Insurance.' You, your Spouse, Domestic Partner or eligible Dependent Children for whom a ticket was purchased on
your Card (as defined below) will be automatically isured against Accidental Loss of Lie arising from and occurring on a Covered Trip while you, your Spouse, Domestic Partner or eligible Dependent
Children fa whore a tide was purdhased on your Card are riding as a passenger in or entering, edN or being struck by a Scheduled Aircraft or a conveyance operated by a military transport service
or riding as a passerger in or entering or exiting any conveyance kensed to carry the public for a fee and while traveling directly to or from the airport immedFatey preceding the departure of a
Scheduled Aircraft on which the Insured Person has purchased passage and immediately foiowig the arrival of a Scheduled Aircraft on which the Insured Person was a passerger.
'Coverage is umderwaitten by Federal Insurance Company, a member insurer of the Chubb Group of Insurance Companies. Certain Imitations and exclusions apply.
PLAN FEATURES
THE BENEFITS: The full Benelk Mount ($500,000) is payable for Accidental Loss of Life. The Loss must occur wfthn one year of the Accident.
MAXIMUM L IIMT OF INSURANCE: K more than one Insured Person suffers a Loss in the same Accident, the Company will not pay more than the mexinxrn limit of insurance ($20,000,000) per
Accident. If an Accident results in Benefit haunts becoming payable. M d when totaled, exceed the applicable limit of insurance shown above, the maximum limit of insurance will be divided
proportionally among the Insured Persons, based on each applicable Bandit Mount. In the event of multiple Accidental deaths per Account arising from any one Accident, the Company's liability fa all
such Losses will be irtMed to a maximum lint of insurance equal to two tines the applicable Benefit Amount for Loss of Life. BerhefAs will be proportionately divided among the Insured Persons up to
the maximum knit of insurance.
DEFINITIONS:
Accident or Acs y means a sudden, unforeseen and unexpected event happening by chance, and includes unavoidable exposure to elements arising from a covered Hazard.
kg" means bodily injury which is Accidental, is the direct source of a loss, is independent of disease, Riess or other cause and occurs while this poky is in force.
6gfM means a Card account.
IMSAMWJ mews the Loss amount at the time the entire cost of the passenger fare is charged to an Account.
QW means the Discover Card.
Cardmember means the holder of the Card whose name appears on the credit card.
QpIM means the Federal Insurance Company.
Covered Trip means travel on a Scheduled Atcraft when the entire cost of the passenger fare for such transportation, less redeemable certificates, vouchers or coupons, has been charged to the
Insured Person's Account
means nose childrrer, including adopted children and those children placed for adoption, who are primarily dependent upon the Insured Person fa maintenance and
support and who are: (1) under the age of 19 and reside with the Insured Person; (2) beyond the age of 19, permanently mentally or physically challenged, and incapable of self support; or (3) under the
age of 25 and classified as fuWm students at an institution of higher learning.
dW means a person who: (1) is at least 18 years of age and competent to enter into a corhtract; (2) is riot related to the Insured Person by blood; (3) has exclusively lived with the Insured
Person for at least ors year prior to the dale of enrollment; (4) is not legally married or separated; and (5) as of the date of enrollment, has with the Insured Person at least two of the following financial
arrangements: (a) a joint mortgage or lease; (b) a joist bank account; (c) joint itte to or ownership of a motor vehicle or status as a joist lessee on a motor vehicle lease; or (d) a joint credit card accent
with a financial institution. Neither the Insured Person nor the Domestic Partner can be married to, nor in a civil union with, anyone else.
d=W means the covered circurridanoes for which this insurance is provided as staled in Section III of the Declarations, Hazards, and described in the Hazards forth, as described on page 1 of this
Description of Coverage.
Insured Pemon means all Cardmembers, their spouses, Domestic Partners and Dependent Children, as wall as authorized users of the Account.
LM means the Loss of Life.
j gUAL ft mews de&, ihdudng clinical death determined by the local governing medical authorities.
EWWA" means DFS Services LLC, the entity responsible for the payment of premium.
means an aircraft owned andfor operated by a Scheduled Arline.
&MdRUM means an aline which is either of United States registry and certified by the United States govertument to carry passengers on a regularly scheduled basis or of foreign register and
approved by the United States government and the appropriate foreign authority.
WU means how foiowirg a declaration of War by a government austerity. If there is no declaration of War, then (1) armed, open and confinuous hostilities between two countries or (2) aimed,
open and continuous hoes between two factions, each in control of territory, or claiming jurisdiction over the site of the area of hostility.
DISAPPEARANCE BENEFITS: 9 the insured Person has not been band within one year of the disappearance, slits K ig, sinking, wrmdr! g or breakdown of any Scheduled Aircraft or conveyance in
which the Insured Person was covered as an occupant, it will be assumed, subject to all other temps of the poky, that the Insured Person has suffered Loss of Life covered under this policy.
EXPOSURE BENEFITS: Accident includes unavoidable exposure to dements arisig from a covered Hazard.
ELIGIBILITY: This insurance plan is provided to Insured Persons autwrraticaiy when the entire cost of the passenger fare(s) on a Scheduled Airtime is charged to the Cardmember's Account while the
insurance is effective. It is not necessary for you to notify the Poiocytiolder or the Company when Scheduled Aline tickets are purchased.
EFFECTIVE DATES: Your i>suramoe under this Insurance plan is effective on the later of. 1) April 1, 2007; or 2) the dale you become an eligible
Card-member. Your inscsance coverage rider this insurance plan will cease on the am* of (1) the data the insurance coverage is termini ed; or (2) the date you cease to be an eligible Cardimern1w.
COST: This insurance plan is provided at no additional cost to eligible Insured Persons for Covered Trips. Policyholder pays the iii cost of the insurance.
THE BENEFICIARY: The Loss of Lie benefit will be paid to the beneficiary designated by you. I no such designation has been made, that benefit will be paid to the first surviving beneficiary in the
following order: a) your spouse; b) your children; c) your parents d) your bothers and sisters, e) your estate. All other indemnities will be paid to you. If you wish to charge your beneficiary, you may
request a beneficiary designation form by writing to the plan administrator at: The Direct Marketing Group, Inc., 13265 Bedford Avenue, Omalha, NE 68164 or at Benefidaryrequest@TheDirecMG.can.
EXCLUSIONS: This insurance plan does not Dover Loss resulting from: (1) an Accident occurring while an Insured Person is in, entering or exiling any ahnift own W, leased or operated by this
Policyholder or any aicrafi awned, leased or operated by an employee of the Pokyhclder on behalf of the Policyholder (this exclusion does not apply to aircraft chartered write pilot or crew on one time
charier basis), (2) an accident while an Insured Person a in, entering or wilting any aircraft while acting or tnanig as a pilot or crew member (this exclusion does rat apply to passengers who
temporarily perform pilot or crew functions in a life threatening emergency); (3) emotional trauma, mental or physical Riess, disease, pregnancy, childbirth or miscarriage, bacterial or viral nfedim, or
bodily malfunctions (except bacterial infection caused by an Accident or from Accidental consumption of a substance contaminated by bacteria); (4) suicide, attempted suicide or Loss that is intentionally
self-inflicted; or (5) dad&* or undeclared War.
CLAIM NOTICE: VMitteh claim notice must be given to the Company within 90 days after the occurrence of any Loss covered by this poky or as soon as reasonably possible. Failure to give notice
within 90 days will not invalidate or reduce any *a wise valid claim lf notice is given as soon as reasonably possiible.
CLAIM FORMS: Vhiheh the Company receives notice of a claim, the Company will send you forms fa giving proof of Loss to us within 15 days. If you do not receive the forms, you should send the
Company a written desorption of the Loss.
CLAIM PROOF OF LOSS: Complete proof of Loss must be given to Company within 90 days after the date of Loss, or as soon as reasonably possible. Failure to give complete proof of Loss within
these time frames will not irmd date any otherwise valid claim lf notice is given as soon as reasonably possible and in no evert later than one year after the deadline to submit complete proof of loss.
CLAIM PAYMENT: The Company will pay you or your beneficiary the applicable Benefit Amount within 60 days after complete proof of loss is received and lf you, the Policyholder ardor the
beneficiary have complied with all the tens of the policy.
ARBITRATION: In the eved of a dispute urderthis poiq, either the Com?-pang or the Insured Person may make a wnlten demand for arbilratimi. In that case, the Company and the hand Person will each
selectail arbi attoc The two arbialms will select a thud. lf they carrot agree wilt 15 days, ellherthe Company or the Insured Person may request that the choice of arbilatar be s hnilled to the American
Arbitration Association. The arbilation will be held in the state of the hexed Person's papal residence.
IF YOU HAVE ANY CLAIM RELATED QUESTIONS, PLEASE CALL THE CLAIMS SERVICE CENTER AT 1-BOO-CLAIMS-0 (I-M-2524670).
You can also go to the Company Web site (b Lot j9 ,=, dick on Report a Loss, select Acdcle t, Benefits and Life dam, select the
appro-prate form, print out the dclm form, fill out and mail. You can file a claim by mail or fax.
Mailing Address: CHUBB GROUP OF INSURANCE COMPANIES
CLAMS SERVICE CENTER
600 INDEPENDENCE PARKWAY
PO BOX 4700
CHESAPEAKE, VA 233274700
Fax Number. 1-80&a 0-2538
As a handy reference guide, please read this and keep t in a safe puce with your other insurance documents. This description of coverage is not a contract of insurance but is a summary of the
papal prmAsions of the insurance while in effect. Complete policy provisions are contained in the Master Poky, which can be obtained from the Policyholder:
Policy htr n.18-06
Policy Underwritten By Plan Administrator
Federal Insurance Company The Direct Marketing Group, Inc.
a member insurer of the 13265 Bedford Avenue
Chubb Group of hum= Companies Omaha, NE 68164
15 Mountain View Road, PO Box 1615
Warrm, Now Jersey 07061-1651
DESCRIPTION OF COVERAGE
SECONDARY RENTAL CAR COLLISION COVERAGE
Discover Cardmembers can benefit from the security and safely offered thnx* Excess Collision Damage Waiver. lf you rat a vehicle for 31 consecutive days or less (or 45 days under certain
dnxuradances described below) with your Card (as defned below), you may be eligible for benefits under this coverage. Excess Collision Damage Vl mer is an ma m program, underwritten by
Federal Insurance Company Policy hy9906.17-63 (the'P*Y).
DEFINITIONS:
AggW means a Card account.
Amer Cnh Yana nwm the cost to repair or replace the Rated
Auto-mobile at the tine of loss, less depredation.
GIIIIAMIMIldlK mews the holder of the Card whose name appears on the credit card.
QW means the Discover Cad.
meal the died and midental damage to a Rented Automobile caused by upset Cr collision with another objed. Collision Damage does not nude loss mused by missiles, falling
objects, fire, theft or larceny, 600si0n, earthquake, windstorm, haft, water, flood, maidous mischief Cr vandalism, riot or civil con notion.
?M= means the Federal I suuarce Company.
IN" mcans Candmambes and aul honized uses of the Account.
EWJMJMW means DFS Services LLC, the entity responsible for the payment of premium.
B means a eoiftnem78l allomo* rental company hawed under the laws of the applicabla junadictm.
means a fmr-wheeled private passenger type motor vehicle or a mnivan manufactured and designed to transport a maximum of seven passengers and used excursively to carry
passengers. A Rented Automobile must be designed for travel on pubic roads and rented from Rental Agency.
TO GET COVERAGE:
The Collision Damage Waiver Coverage is povided to you, as an Insured, ailometicaiy when the etie rental fee for the Railed Automobile is charged or debited to your Account. t is rd necessary for you to
notify the Company at the time the rental fee is charged or debited lo your Account.
Yeu must dediine the LoaDamage Waiver offered by the vehicle Rental Agency.
You must rent the vehicle in your own name and sign the vehicle rental agreerx tlcortract.
The coverage period will not exceed 31 consecutive days, or 45
consecu-five days lf the Insured is an employee of an organaation which has pwrided a Card to the Insured for business use.
THE KIND OF COVERAGE YOU RECEIVE:
In consideration of the premium paid by the Policyholder as required, all &*d to all the tams of the Polity, the Company agrees to rek nbuuse on an Actual Cash Value basis eil her the Inured or the Retal
Agenq for repair or replecenet of the Rented Automobile as a result of Collision Damage to the Rented Automobile. The Cmmpays liability wit be for a maximum rein bimment of $25,000. In no evert wit
the Company be liable beyond the amounts eduaiy paid by the hand or the Rental Agency.
If you or an Insureds primary vehicle insurance or other coverage has made payments for a covered loss, Excess Collision Damage Waiver will cover your deductible and any other eligible arraxts not
covered by other insurance.
This coverage is not akxkjsive, which means it does not cover such things as personal injury or personal liability. It does rot cover you far any damages to other vehicles or property. It does not cove
you for any injury to any party.
WHO IS COVERED:
Discover Cadmenbers
EXCLUDED RENTAL VEHICLES:
collector type.
OIFfoad, antique or in0ed edrihm moor vehicles, trucks; mcrealional vehicles, campers, picl up trucks and m ni4x=; Unied edition motor vehicles or high value, exotic, high per i r once or
High value motor vehides are motor vehicles whose replacement value exceeds $50,000, and antique moor vehicles are defined as any vehicle over 25 years old, or any vehicle which has not been
marxrfaclred for 10 yam or more.
WHERE YOU ARE COVERED:
Coverage Wpies to vehides rented in the United Stales and Canada only.
Coverage is not available where prohibited by law.
WHAT IS )W COVERED:
Coverage does not apply to loss raw" from the following:
Any dishonest, fraudulent or criminal act of the Insured.
' Forgery by the Insured.
• Loss due to war or confiscation by authorities.
Loss due to nudes reaction or radioactive oonaminaton.
The Insured being intoxicated, as defined by the laws of the jurisdiction where the loss occurred, or under the influence of any narcotic unless prescribed by a physmn.
• Use of the Rented Automobile to carry passengers and property for hie.
Use of the Rented Automobile by a person dherthan the one adhor4zed to operate the Rented Aubmhobie bythe terms of the Rental Agreernent.
Loss of use of the Rented Automobile.
Intentional damage to the Rented Automobile by the Insured.
Damage which is due and confined to wear and tear, freezing, mec hank al or electrical breakdown or failure.
Damage to tires unless the loss is coincident with a covered toss
Use of the Rented Automobile in tests, races or contests.
The Rented Automobile being operated or bxsdad in any territory
pro•hinited by the terms of the Rental Agreemnet.
FOR INSUREDS WHO ARE NEW YORK STATE RESIDENTS:
To the extent that this plan provides insurance against damage to a ranted motor vehicle, the following terms and conditions apply: (1) the period of insurance coverage will not exceed 31 consecutive
days, or 45 consecutive days y the Insured is an employee of an organization which has provided the Card to the Insured for business use; and (2) the insurance provided by tins plan will be excess
over any other valid and collectible insurance
covering time Rented Aubrnobie. However, the insurance provided under this plan may be pnrrrary if specifically provided for under the teens of this plan and I the fofowimg aileria is met: (a) the
Rented Automobile is rented for use outside the United States, its territories and possessions; (b) the Insured is an employee of an organaaton which has provided the Cad to the Insured for business
use; and (c) the Rented Automobile is rented without a driver.
HOW TO FILE A CLAIM UNDER EXCESS COLLISION DAMAGE WAIVER:
In the event of a claim, written or verbal notice must be provided as soon as reasonably possible.
IF YOU HAVE ANY CLAIM RELATED QUESTIONS, PLEASE CALL THE CLAIMS SERVICE CENTER AT 14WLAIMS-0 (1400.2524670).
You can also go to the Company Web site (mmLchublim), dick on Report a Loss, select Accident, Benefits and Life claims, select the appropriate form, print out the duty form, fill out and mail. You
can file a lain by rail or fax.
Mailing Address: CHUBB GROUP OF INSURANCE COMPANIES
CLAMS SERVICE CENTER
60D INDEPENDENCE PARKWAY
PO BOX 4700
CHESAPEAKE, VA 233274700
Fax Number. 1400-300-2538
CLAIM PROCEDURE:
The Insured mist send the Company wrilten notice of a Bairn, Including the Insureds name and Policy number, withn 90 days after a covered loss occurs. I notice carol be given within that time, il
must be given as soon as reasonably possible. To file a sworn Proof of Lass, the Insured must send the following itommaUon to the Company or its authorized representative:
A copy of the Account statement showing the autanobie rental tarisaction.
A copy of the automobile rental agreement.
• A copy of the police report
A copy of the initial claim report submitted to the automobile Rental Agency.
A copy of the paid claim presented by the automobile Rental Agency for the Collision Damage for which the Insured is responsible
Proof of submission of the loss to, and the results of arty settlement or decal by the applicable insurance carrier(s).
If no other irwiance is applicable, a notarized statement from the Insured to that effect.
Reminder. Please rather to the Insurance Disclosures section.
INSURANCE DISCLOSURES
Asa hazy referenoe guide, please read this docmentand keep it in a safe place wth your oMner insurance documents. This Summary of Coverage is not a contract of insurance but is simply an
irfameiive state,4nerrt to eligible Iroeds of tie principal provisions of the issuance while in effect. Complete provisions pertaining to this plan of insurance are contained in the master pokey on file with
DFS Services LLC, herein referred to as the Policyholder, If a dalerment in this Summary of Coverage and any provision in the policy differ, the policy will govern.
Poker Lbftwdbn by Plan Adminatrator
Federal Insurance Company ('Company] The Direct Marketing Group, Inc.
a member of the 13265 Bedford Avenue
Chubb Group of Insurance Companies Omaha, NE 66164
15 Mountain View Road, PO Box 1615
Wamen, New Jersey 07061-1651
Master Policy Number. 99917-63
Effective data of benefits: Effective April 1, 2007, this guide replaces all prior disclosures, program descriptions, advertising, and/or brochures by any party. Policyholder and Company reserve the right
to change the bar*% and features of these programs at any time.
Cancellation: Policyholder can cancel these braft at any time or choose not to renew the insurance coverage for all authorized Camimembers. If Policyholder does cancel these benefits, you will be
notified at WM 60 days in advance. M tie Company terminates, camels, or chooses not to renew the coverage to Policyholder, you will be notified as soon as is practicable, Insurance benefits will still
apply fa any benefits you were eligible fa prior to the date of such terminations, cancellation or romenewat, subject to the terms and conditions of coverage.
Benefits to you: These benefits apply only to Cardmembers whose cards are issued by U.S. financial institutions. The United States is defined as the 50 United States, the District of Columbia,
American Samoa, Puerto Rico, Guam and the U.S. Virgin Islands. No person or entity other than tie Card-member shall have any legal or equitable right, remedy, or claim for insurance proceeds
and/or damages under or arcing out of this coverage. These benef is do not apply M your Card privileges have been canceled. However, insurance benefits will still apply fa any benefit you were
eligible for prior to tie date that your Account is suspended or canceled subject to the temps and conditions of coverage of your Cardmember Agreement.
Transfer of rights or benefits: No rights or benefits provided under these insurance benefits may be assigned wthad the prior written consent of the Company.
Misrepresentation and Fraud: Coverage of the Insured will be void 1, at any time, the insured has concealed or misrepresented any material fact or circumstance concerting this coverage or the
subject thereof or the Interest of the Insured herein, or in case of any fraud or false swearing by the Insured relating thereto.
Coverage for an insured will be void M, whether before or after a loss, the Policyholder or its subscribing organization(s) has concealed or
msrepre serhbd any material fact or circumstance concerning this coverage or the subject thereof or to interest of the insured therein, or in case
of any fraud or Use swearing by the Policyholder or is subscribing
organza-don(s) relating hereto.
Addition of New Insureds: AN eligible persons will be automatically insured under this Policy.
Examinatlon Under Osth: it is a condition of this iisurance that tie Insured and the Policyholder, as after as may be reasonably required by to Company, will submit, and within is power cause
others to submil, to examinations under oath and will produce for examination all writings, books of accord, bas, Invoices and other vouchers, or cartified copes thereof if originals are bet, at such
reasonable time and place as may be desgneW by the Company or is representative, and will permit extracts and copes thereof to be made. No such wa ination under oath,
examionation of documents or any other act of hie Company, is employees or mWesertatives in connection with the investigation of any loss or claim will be deemed a waiver of any defense and such
ads shall be deemed to have been made or done without prejudice to toe 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 f the Company pays the Insured for a loss, it will require the neared to assign and transfer any chin or right of action against any individual, firm or
corporation for such loss to the Campary or subrogate or hold in trust all such rights to to extent of the amount paid. The Insured will agree to take action as requesled by the Company to enforce such
rods. Upon payment by the Company to the Insured, the insured agrees to died enforcement of such rights as reasonably mWeded 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 under this policy, either the 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 arbi rstas will select a third if they cannot agree within 15 days, either the Company or the Insured may request that the choice of arbialor be submitted to the American Arbitration
Association. The arbitration will be held in the state of the Insureds principal residence.
GLOBAL TRAVELER'S HOTLINE TERMS AND CONDITIONS
The Global Traveler's Hotline provides Cardmambers and that families a wide range of free travel assistance benefits. It is operated by AXA Assistance USA, Inc. Visit Discovercard. el to learn
more.
Eligibility. You must be a Cardmermber whose Account is in good standing, the Cardnmermbeh's spouse or dependent chill traveling with the
Card-member or an Authorized User of an Account in good standing.
Third-Party Charges. Global Traveler's hotline is not insurance, so you will be responsible for all third-party fees and expenses for services requested, such as professional or medical fees.
Availability of Services. Certain services may not be available in all areas. Cal us at 1800-DISCOVER (1-80D-347-2683) for assistance or if you have questions abed a specific destination. Outside
the U.S., call us coked at 1801-902-3100. While AXA Assistance will make every reasonable effort to provide the services, nether AXA Assistance nor Discover Bank or our respective alrsates will be
liable ff a service is not provided or for any services that are provided by third parties. The services and these terms and conditions are subject to change wthout notice.
DISCOVER
YOUR DISCOVER' ACCOUNT
CARDMEMBER AGREEMENT ................ Pages 1-13
The terms and conditions of your Account, including
how we calculate finance charges, our fees and an
Arbitration of Disputes section. You have the right to
reject the arbitration provision with respect to your
new Account within 30 days after receiving your Carat,
as explained in the "Right to Reject Arbitration"
section at page 13.
PRIVACY POLICY .........................Pages 13-16
A summary of the personal information we collect,
when it may be shared with others, and how we
safeguard the confidentiality and security of
information. You may limit our sharing of such
information with others as explained in section 4 of
the Privacy Policy at page 15.
BILLING RIGHTS .......................... Pages 16-18
Important information about your rights and our
responsibilities under the Fair Credit Billing Act
DESCRIPTION OF COVERAGE ............... Pages 18-25
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 ..................Page 25
The terms and conditions of this free travel assistance
benefit.
02010 Discover Bank, Member FDIC TL221-1.0210
IODCMO_02BOILTL22HO210_01364_reader.irdd 1-2 12115= 1:37:03 PM
CARDMEMBER AGREEMENT contain Agr?KM? carefully before using your Discovers Card
Account R condition; of your Accourit,
some of
which may fee dwilled from earlier materials p odd to you. In the
e
event of wry d lea this Agreement shall cor W
respect your
privaCTt See the kivacy section an page 10 and our Primacy Policy for
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The Right to R*d
Arbitration pop descrillm tl
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you mist 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 ............................... 2
Purchases and Cash Advances in Foreign Currencies ............... 3
Cash Advances ............................................. .3
Balance Transfers ............................................ 3
Credit Authorizations ........................................ 3
Authorized Users ............................................ 3
Unauthorized Use ........................................... 3
Your Credit Lines ............................................ 4
CHANGES TO THIS AGREEMENT ................................... 4
MAKING PAYMENTS ............................................. 4
Promise to Pay .............................................. 4
Monthly Billing Statement .................................... 4
Mon" P Options ................ ....................
Automatic Arrangements ...............................
How We Apply ..................................... 5
5
5
Minimum Monthly Payment ................................... 5
SkiWayment Offers ....................................... 5
Credit Balances ........................................... 5
FINANCE CHARGES .............................................. 6
How We Calculate Periodic Finance Charges ..................... 6
How We Calculate Your Balances .............................. 6
Variable Interest Rates ....................................... 7
Default Rate. ................. ...................... 7
Cash Advance Transaction Fee Finance Charges .................. 8
Balance Transfer Transaction Fee Finance Charges ................ 8
Foreign Currency Transaction Fee Finance Charges ............... 8
Minimum Finance Charge ..................................... 8
Account Set-up Fee Finance Charge ............................ 8
FEES ........................................................... 8
Annual Fee ................................................. 8
Late Fee .................................................... 9
Returned Payment Fee ....................................... 9
Returned Discover Card Check Fee ............................. 9
Pay-By-Phone ............................................... .9
Research Fee ................................................ 9
DEFAULT AND CANCELLATION .................................... 9
EWE ault .............................................
of ................................ 9
9
................................................ 9
PRIVACY AND OUR COMMUNICATIONS WITH YOU ................. 10
Our Privacy Policy ........................................... 10
Reporting to Credit Reporting Agencies ........................
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Our Communications with You ............................... 10
Releasing Information About Your Account .................... 10
Electronic Notices to You . ........................... 10
Notices -Changes to Your Information ........................ 10
CLAIMS AND DISPUTES ......................................... 10
Merchant Disputes .......................................... 10
Claim Notices .............................................. 11
Arbitration of Disputes
.............
11
.. ...
Right to Reed Arbitration ............ .......
.
13
LEGAL INTERPRETATION OF THIS AGREEMENT ...................... 13
Severability ............... ........................... 13
Compliance with Interest Rate Limitations ...................... 13
Governing Law ............................................. 13
ASSIGNMENT OF ACCOUNT 13
......................................
DEFINITIONS
'Account" means your Discover Card Account.
'Autlhorized User" means any person whore you authorize to use your
Account or a Card, whether you notify us or not
'Card' means any one or more Discover Cards issued to you or someone
else with your authorization.
'Pricing Sdredule' means the document accompanying your Card and
listinngg the Finance Charge rates that apply to your Account The Pricing
Scheme is part of this Agreement.
'We; "us' and 'our' refer to Discover Bank, the issuer of your
Discover Card.
'You, 'your" or yours' refer to, in addition to you, the Cardmember, any
other person or persons who are also contractually liable under this
Agreement
USING YOUR ACCOUNT
Your Acceptance of this Agreement. The use of your Account or a Card by
you or an Authorized Usk or your failure to cancel your Account within 30
days after receiving a Card, means you accept this Agreement including the
Arbitration of Disputes section on 11. You may however reject the
Arbitration of Disputes section as explained on page 13.
Permitted Uses of Your Account Your Account may be used for.
• Purchases - to purchase or lease goods or services from participating
merchants by presenting your Card or Account number or by lining
promotional checks, which we may fumish to you, in accordance with
such additional terms and conditions as we may offer from time to time.
• Cash Advances - to obtain cash advances from participating automated
teller machines, financial institutions or other locations, the purchase of
lottery tickets, racetrack wagers, vouchers redeemable for cash or for
casino chips, money orders, traveler's checks, savings bonds, foreign
currency and wire transfers, or by means of chedks which we may fumish
to you, all in accordance with such additional terms and conditions as we
may offer from time to time.
• Balance Transfers - to transfer balances from other creditors or to make
other transactions by means of balance transfer coupons or checks, in
accordance with such additional terms and conditions as we may offer
from time to time.
In addition, your Account may be used to guarantee reservations at
participating establsshmenfs You will be liable for guaranteed reservations
that are not cancelled prior to the time specified by the establishment. Your
Account may be used for personal, family, household and charitable
purposes.
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poolr6ita=Agree dUses of Your Account. Your Account may not be used to obtain
Peden carry or trade in searities, to pay any amount you owe
ment or for any transactiorss that are unlawful where you
reside or where you are located when you use the Account to
initiate the transaction ('t ol? Transactions7.
Practises and Cask Advances it Foreign Currencies. If you make a purchase
or cash advance in a foreign crurency R will be converted to U.S. dollars
using either a govemmentanmdated rate, a government-published rate or
the interbank exdnarnge rate, depending on the country and currency in
which the transaction -is mare. The rate used will be the rate in effect on
the conversion date for the transaction, which may be different than the
Transaction Date as shown on your statement. We charge a Foreign
Currency Transaction Fee Finance Charge for each purchase made in a
foreign currency as described in the Foreign Currency Transaction Fee
Finance Charges section on page 8.
Cash Advances. We may periodically offer you promotional rates on cash
advances for the time period specified in the offer, subject to the Default
Rate section. The offer may contain a Cash Advance Transaction Fee Finance
Charge for each cash advance.
Balance Trwmvm We may periodically offer you the opportunity to make
balance transfers from other creditors or to make other transactions to your
Account by means of balance transfer coupons or checlm Each offer will
contain a promotional rate, which will be the Annual Percentage Rate that
will apply to transferred balances for the time period specified in the offer,
subject to the Default Rate section and may contain a Balance Transfer
Transaction Fee Finance Charge for each balance transfer made during the
term of the offer, as disclosed in the offer and as set forth in the Pricing
Schedule, if applicable. Balance transfers subject to the promotional rate
are referred to as promotional rate balance transfers, balance transfers for
which the promotional rate has expired are referred to as purchase rate
balance transfers.
Each offer will contain an expiration date. If you attempt to transfer
balances by means of a check after the expiration date, we will treat the
transaction as a cash advance. We Will nut make balance transfers
attempted by means of a coupon after the expiation date.
Credit Authorization. Certain transaction will require our authorization
Prior to completion. In some cases, you may be asked to provide
identification have the right not to authorize a transaction for security
or other reasom Also, if our authorization system 6 not working, we may
not ? to authorize a transaction. We will not be liable to you if any
Authorized Users If you want to cancel the authority of a current
Authorized User to use you Account or a Card, you must 'us and
destroy any Card in that penw% peon. You can no us by
tel 14000BCDVER (t-80x347-2683), or by vomiting iscover,
Agr (othSoft Lake er than to , Ui aamou owedd)j m f bbeerexer?cisednd y this
person not a party to thi Agreement acting pursuant to a power of
attorney, wiwithou our separate written agreement (which we are not
Unauthorized Use. Prior to its use, each Card must be signed by the person
to whom it a issued. If a Card is last or stolen, or if you think that someone
is using yyoouur Account or a Card without your permission, notify
us immediately. You can notify us by telephoning 1-BO@?DISCOVER
(1-80x347-2683), or by writing Discover, PO Box 30943, Sah Lake City, LIT
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84130.0943. You agree to assist us in determining the facts relating to any
theft or possible unaudhorized use of your Account or a Card and to comply
with such procedures as we may require in connection with our invest-
igation.
Your Credit tares. We will advise you of your Account credit line. We may
impose a lower line that will apdv to cash advances, referred to as the cash
advance credit line. We may ?a)so impose a lover line that will apply to
balance trarsfers, referred to as the balance transfer aecit line. You agree
not to allow your unpaid balance, including Finance Charges and fees, to
exceed your Amount credit line. If you exceed your Account credit line, we
may request immediate payment of the amount by which you exceed your
Account credit line.
We may increase or decrease your Account aedt line, your cash advance
credit line or your balance transfer credit line without notice. The credit
available for your use may, from time to time, be less than r Account
credit line. For purposes of determining your available credyourt, we reserve
the right to postpone for up to 15 business days reduci ng your unpaid
balances by the amount of =amount that we receive. Your available
credit will not be increased by the amount of any credit balance.
CHANGES M THIS AGREEMENT
From time to tine, we mo% to the extent ? byyrylaw, change any
term of do AgroorneK inckoft rate, fee or med of e but not which f the f nance
clhrge rate Is maned. or any term is Agreement. We
:VA we you notice of the dirge in the time and manner ?eqr" by Iowa
vvU includes 454bys Wironat written notice n same 6nanrstarca. In
addition, to the wriont movel by laws we will offer you the Wft
weoffer you die F=.to rood Increase in a late fee or the
elimination of a grace period prior to the effective date of the change. If
you reject a dwf in accordance with the inirtrrrNons in the notice
provided, we..m your Amount and you will no longer be able to use
it for further transactlons. You can then pay the remaining balance under
the unchanged term.
We may also charge any term of any product service or benefit offered in
connection with your AmarR We will notify you as required by law, or
by the terms Of the product, service or benefit
MAIQNG PAYMENTS
Promise to Pay. You agree to pay us in U.S. dollars for all purchases, cash
advances id balance transfers including applicable Finance Changes and
other charges or fees, incurred by you or anyone you authorize or permit
tc use your Account or a Card, eve If you do not notify us that others are
using your Account or a Card. If you pay us in other than US. dollars, we
may refuse to accept the net or dirge your Amount our cost to
convert your to U.S. dollars. AN cfhecb must be drawn on funds on
deposit in the .5. You may not use a ash advance check, balance transfer
check or coupon, or any other promotional check drawn on arty Discover
Bank credit card amount to make payments on your Account. If your
Account b a joint Account, each of you agrees to be Noble individually and
jointly for the Yjwwl entire amountt owed t ? ? wept e
'paynrntany of our Monthly BINI ng Statement We will send you a billing statement after each
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monthly billing period in which you have a debit or credit balance, unless
we wane our right to do so as permitted by law. The billing statement will
show all purchases, cash advances, balance transfers, finance Charges and
other charges chardurtim ges the and all payments or otw credits to your
period. it will show your New Payment
Due Date and Mnimuim Payment Due as of the end of the WIN period. if
your prior morrdml; payment Is returned unpaid, your required Mnimum
Payment Due be higher than shown on your billing statement. See the
Minimum Mo Payment section on page S. any
time Baallancee shown rlow on it Optkw& biking Ystateme rttbutt each mo t r the mentir uster New
least the MinimumPaPayment Due as described in the Myou inimum Monthly
Payment section. AN payments must be made in accordance with the terms
stated on your mondmly t. g statement as well as the payment atoll
time staled m this section, a? we will credit your Account in amordarue
with those terns and thb section. Payments received in proper form at our
processing facility by SPM local time on any day will be credited as of that
day. Payments received in proper form at our processing facility after SPM
local time will be credited as of the next day.
Automatic lilq Anangermerrts. If your Account number and/or Card
expiation date charmges and our records indicate you have automatic
b inng estabPshcd with a merchant we will attempt to provide your new
Account information to that merchant. To ensure uninterrupted billing, we
recommend that you verify the merchant has your new Account information.
You must contact the merchant directly if you do not wish to continue the
automatic biking arrangement
How We Apply Payments. Each billing period, to the extent your payments
exceed the Minimum Payment Due shown on your current billing
statement we will apply these excess amounts in order of the Annual
Percentage Rate applicable to the balance of each transaction category (as
referenced in the Finance Charges section), generally from highest to
lowest, beginning with the balance subject to the highest Annual
Percentage Rate. Odwwise, we will apply payments and credits at our
discretion, includi in a manner most favorable or convenient for us. M all
cases, we will apply payments and credits in accordance with applicable
law.
Minimum Monthly Payment The Minimum Payment Due each month will
be the greater of.
• the New Balance if it is less than $15;
• $15 N the New Balance is $15 or more, or
• any past due amount plus the greater of:
• 2% of the New Balance (excluding current Periodic Finance Charges
and Late Fees) rounded up to the nearest dollar or
• current Periodic Finance Charge plus late Fees plus $15 (not to exceed
3% of the New Balance) rounded up to the nearest dollar.
We mayabOindisdesome
credit line. wk may subtract cabin fees to akulate the Mnmum Payment
Due. The Mnkmmrn Payment Due will new exceed the New Balance.
SIdpA-Payment Offal. We may from time to time allow you to not make
a minkmrn monthly payment and will notify you when this option is
avaiable. H you take advantage of this offer and do not make a mmimum
monthly payment finance dears and any applicable fees wile accrue on
your Account In accordance with this Agreement and you must pay the
Minimum Payment Due for the following biking periods.
Credit Balances. We will refund any credit balance within seven business
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days from receipt of your written request if you do not request a refund,
we will automatically refund credit balances greater than $1 that remain in
your Account after 6 months.
FINANCE CHARGES
How We Calculate Periodic France Chtrges. We begin to impose Periodic
Finance Charges on all transactions from the Transaction Date for the
transaction shown on your bifi'ing statement, unless a transaction is posted
to Your Account after the dose of the billing period in which it occurs, in
from PeriodkFinance Charges onthat trwsaction
which case "
from the first day of the rg period in which it Is pasted to your Account
We coritinue to impose ParioiRt Finance until the date you pay
your entire New Balance shown on your Wing statement by making
payments or receiving credits. However, if you paid the New Balance on
your previous bililrg stat6rrnerht by the Payment Due Date shown on that
ing statement we will not impose Periodic Finance Charges on new
purchases, that is, purdsasafirst appearing on thecurm"billing statement
or any portion of a new purchase, paid by the Payment Due Date on your
current W&V statement. We call this the 'grace period.' There is no gram
period on balance transfers or cash advances. As more fully described in the
section titled 'How We Apply Payments,' we generaAy to
your Account based on tiro Annual Percentage Rate ica?the
balance of each transaction his mess that H you do not pay the
New Balance on the aarent t?statement by the Payment Due Date
shown on that billing statement depending on the amount of your
payment and the Annual Percentage Rates on other balances, you may not
get a grace period on new purchases.
We sort your transactions into groups of purchases, cash advances, and
balance transfers aid then further sort the transactions within each group
by their Annual Percentage Rate. For example, purchases subject to a
promotional rate and purchases subject to a standard rate would be
separate groupL We refer to these groups as transaction categories. At the
end of each billing period, we compute balances and Periodic Finance
Ch for each day of the billing period for each transaction category. We
use the following equation to compute Periodic Finance Charges or each
transaction category:
(Average Daily Balance) times (days in billing period) times
(Daily Periodic Rate).
You may refer to the Finance Charge Summary on your billing statement for
these amounts. Then we add up the Periodic Finance Charges for each
transaction category to get the total Periodic Finance Charges for your
Amount The Average Daily Balance is shown as zero if, because of the
grace period no Periodic Finance Charges to the balance in a
transaction category. The Daily Periodic Rate is 136 tit of the corresponding
Annual Percentage Rate.
How We C*Wate Yaw Balances We use the Average Daily Balance
(including new transactions) method of calculating the balance upon which
we iripose Periodic Finance Charges. We compute the Average Daily
Balance fur each transaction category by adding upp all the daily balances in
a billing period for a transactor category and oi'mcling the total by the
number of days in the billing period. We compute the day balance for
each transaction category on each day by first adding the following to the
previous day% daily n balance: transactions with a Transaction Date of that
y show your bipkrg statement unless the transaction is posted to
your Account after the dose of the billing period in which it occurs, in which
case the transaction will be added to the daily balance as of the first day of
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the billing period in which it a posted to your Account, fees charged that
day and Periodic Finance Charges accrued on the previous days daily
balance; and by then subtracting any credits and payments that are applied
against the balance of the trarsecom category on that day. In calculating
the daily balance for the first day of the billing period, we consider the
'previous days daily balance" to have been your balance for each
transaction category on the last day of your previous billing period.
All fees charged to your Account are added to the standard purchase
transaction category with the exception of Cash Advance Transaction Fee
Finance Charges which are added to the applicable cash advance
transaction and Balance Transfer Trarsacton Fee Finace Charges
which are added the applicable balance trasfer transaction category.
t#ari" Yrterest Rapes. One or more Daily Periodic Rates and corresponding
Annual Percentage Rates that appH to a transaction category may be
variable rates as set forth in your ng Schedule or in any special offers
you receive from us. Variable Annual Percentage Rates are determined by
adding a specified number of tentage points to the Prime Rate. This is
shown on the Pricing Sdxdulee as 'prime + (puaentage po ts).' For
purposes of this Agreement the Prime Rate is the highest rate of interest
listed as the 'prime rate' in the Money Rates section of The MN Sbeet
loumal on the last business day of the month. The Prime Rate is merely a
pricing index and does not represent the lowest or best interest rate
available to a borrower at any bank at any, given time. If you have a variable
rate, your Annual Percentage Rate will increase or decrease when the Prime
Rate changes. This change will be effective beginning with the first day of
the biMkg period that begins during the same month as the change in the
Prime Rate. An increase in the Annual Percentage Rate may increase your
Minimum Payment Due.
Defauk Rate. Each time that you do not make the Minimum Payment Due
by the Payment Due Date we may, in accordance with applicable law.
(i) terminate the availability of arty promotional Annual Percentage Rates
on new transactions; and
(ii) increase your Annual Percentage Rates for new transactions to variable
Default Rates. Each new variable Default Rate for a new transaction is
determined adding up to 5 additional percentage points to the
othenMSe ble Annual Percentage Rate and will vary based on any
dwrges kit
the Prinz Rate. (For examplit if the promotional purdme rate
was 1.99% and the rate for other purchases was 15.99% and you paid late
once, the rate for all new purchases could increase up to 20.99% variable
and vary thereafter with the Prime Rate.) When we first determine the
variable Default Rates, we use the Prime Rate effective for the billing period
in which you pay laic. The variable Default Rates are determined in
accordance wqh tx Variable Interest Rates section.
We will base your Default Rate on your creditworthiness and other factors
such as your current Annual Percentage Rates and your Account history.
H we increase any of your Annual Percentage Rates to a Default Rate, we
will send you a notice, in accordance with ble low, advism? of 0 the
date the new Default Rate will apply (the "befault Rate Effective Date"),
(l) the type of new transactions to which it will be applied (note: the new
Default Rate will not apply to any other transactions) and, (ik? your right to
reject the new Default Rate. New transactors are those traractions which
either (i) have a Transaction Date, as shown on your biling statement of
more than fourteen days after we mail or deliver the notice to you or, (i) if
permitted by appkW* law, were potted to your Account after the current
Default Rate Effective Date. Your Account will not be subject to a Default
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10DCMO_02BOK_T122H0210_01363_reader.rndd 9.10 12115109 1:37:04 PM
Rate for the first twelve billing periods after your Account is first opened.
If your Annual Percentage Rate for purchases, balance transfers or cash
advances was increased to a Default Rate, , we will, to the extern required
by appplic"l h-%K Poly review your reAccount dound to determine if any of
yew tentage Rata .. Any reduced Annual
Percentage Rates on new and exfsbng balances maybe different and may
be highher than your previous standard Annual Percentage Rates for
purchaus, balance trarisfers anchor cash advances a arty promotional
rate.
Cash Advance Tramection Fee Finance Charges. Unless otherwise specified
in a cash advance offer, we A charge you a Cash Advance Transaction Fee
R ANCE OARGE of 5% of the amount of each new cash advance with a
minimum Cash Advance Transaction Fee FINANCE CHARGE of $10 and no
maximum. The imposition of Cash Advance Transaction Fee Finance
Charges may resod in an Annual Percentage Rate for cash advances that is
higher than the nominal Annual Perurrtage Rate. AN fours of cash
adva ca, indud'mg the use of Discover Card checks, regardless of the
Purpose for which used, are subject to Cash Advance Transaction Fee
Finance Charges. To obtain the total Finance Charge on cash advances for
each bi" period, vie add any Cash Advance Transaction Fee France
Charges for the bdlrq period charged under this section to any Periodic
Finance Charges ted under the Periodic Finance Charges section for
each rash advance transaction category and add Up these amounts.
Mince Transfer Transaction Fee Finance Charges. Unless otherwise
specified in a balance transfer offer, we will charge you a Balance Transfer
Transaction Fee MANGE CHARGE of 5% of the amount of each new
balance transfer with a minimum Balance Transfer Transaction Fee FINANCE
CHARGE of $10 and no maxknum. The imposition of Balance Transfer
Transaction Fee Finance Charges may result in an Annual Percentage Rate
for balance transfers that is higher than the nominal Annual Percentage
Rate. To obtain the total Finance Charge an balance transfers for each
billI period, we add any ealarce Transfer Transaction Fee France Charges
for the bilRnq perod charged under this section to any Periodic Finance
Charges rakulakd under the Periodic Finance (charges section for each
balance transfer trarsactiork category and add up these amounts.
Foreign Cwrancy Transaction Fee Finance Charges. We will charge you a
Foreign Currency Transaction Fee RNANCE CHARGE of 2% of the U.S. dollar
amount of each purchase made In a foreign currency. The imposition of
Foreign Currency Transaction Fee France Chagesr may result in an Annual
Percentage Rate for purchases that is higher than the nominal Annual
Percentage, Rate. To obtain the total Finance Charge on purchases for each
biting period, we add any Foreign Currency Transaction Fee Finance
Changes for the billing period charged under this section to any Periodic
Finance Charges calculated under the Periodic Finance Charges section for
each purchase trwsaetion category and add up these amounts.
Minimum Finance Charge. We will charge you a minimum FINANCE
CHARGE of $.SO for any billing period in which Periodic Finance Charges of
less than f.50 would otherwise be imposed.
Account Set-up Fee Fits= Chage. I your Pr' ' schedule aaompanyring
you Card includes an Account Set-up Fee, we wiB charge you a one-tine
Account Set-up Fee FIANCE CHARGE in the amount indicated when we
open your Account
FEES
Annual Fee. If you Pricing schedule accompanying your Card Includes an
Annual Fee, we will charge you an Annual Fee in the amount indicated. We
will charge you this fee when we open your Account and at the beginning
-8-
of each anniversary year your Account is open. The Annual Fee is not
refundable, except as provided by law.
Late Fee. We will d"e you a Late Fee If you have faded, as of the Payment
Due Date, to make the Minimum Payment Due that was required to be paid
for that billing period. The amount of the Late Fee is based on the sum of
all outstanft ases, cash advances, balance transfers, other changes,
other fees an Finance Charges at the end of the billing period for which
we did not receive timely, payment If the sum is $250 or less, the fee is $19.
If it 6 greater than f2K the fee is $39.
Raba. Payment Fait. We will charge you a Returned Payment Fee of $35
each time you pay us with a check or other instrument that is returned
unpaid. This fee will also apply if a debit transaction to a deposit account
from which you have authorized us in writing, ekctronk* or orally, to
periodically deduct all or a part of an amount you owe us under this
Agreement is retuned unpaid. We VAIN charge you this fee the first time
any payment 6 returned unpaid, even R it is paid upon resubmission.
Returned Dhomw Card Check Fee We will doge you a Returned Discover
Card Check Fee of $35 each time we decline to honor a Discover Card cash
advance check, balance transfer check, promotional purchase check, or
other promotional check.
Pay-ly?"0 1. We may from time to time allow you to make payments by
authorizing us over the telephone to transfer or pay funds from a deposit
account to your Account We will not charge you a Pay-By-Phone Fee.
Research Fee. We may charge you a Research Fee of $5 for each copy of a
billing statement or sales slip that you request. However, we will not charge
a fee R you request copies in connection with a billing error.
DEFAULT AND CANCELLATION
types of Default. You are in default if you became insolvent; if you file a
bankruptcy petition or have one filed against you; if we have a reasonable
belief that yyoouu a?rc u able or unwilling to repay your obligations to us; H
you are declared incompetdht by a court or - a inert peimts a guardian
fa you or a conservator for your assets; If you ilk; if you fail to comply with
the terns of this Agremna including fading to make a required payment
when due, 9 you Account credit line or using your Card or
Amount for a Prohibited Transaction; or if you fail to make a required
payment when due on arty other account you have with us.
Consequences of Default. If you are in default, we may declare the entire
balance of you Account immediately due and payable without notice. If vie
refer the collection of you Account to an attorney or employ an attorney to
represent us witha?d to recovery of money that =collection us, we may
charge you reasgnabTe fees and court or otfker collection costs as
connection with ny is adually incurred enforcing by us, including fees and o not enforce any of
our rights under ? AWeement WaQnout lloosing or aiving any of them.
Cuicabation. You may cancel your Account by notifying us in writi or by
?raonviddreet rn' or cdesstetoyirg every Card aandd unused
(134? 2683), orbby XBox 30943, Salt Lake CAy, UT
84130-0941 Of course, u Discover, Pb still be responsible to pay arty amount , you
owe us according to the terms of this Agreement if your Account is a pint
Account, either Cardmember may cancel the Account, but you will both
remain responsible to pay any amount owed to us according to the terms
of this Agreement We may cancel or suspend your Account at any time
without notice. We may choose not to renew your Account (beyond the
expiration date shown on the face of a Card) without notice. You must
-9-
I 11-12 12/15/09 1:37:04 PM
return any Card or unused checks to us upon request
PRIVACY AND OUR COMMUNICATIONS IMTH YOU
Our Privacy Pa. We may from time to time review your credit,
and mxome records. We the privscy
information
summary any of the
about you and your Account Our Prlvary Policy includes a cy I udes a summary ofnxr the
of
personal infannstion we collect, when it maybe shared with others, how
we safeguard the confidentiality and security of information and the steps
you may take to limit our sharing of such Information with others. Please
read it carefully as it is part of your Cardmember Agreement.
Reporting to Oak Raporlksg Agendes. As indicated in our Privacy Policy,
we may report to creel reporting agencies and other creditors the status
and payment history of yourAaornot, mduding negative credit information.
Late payrnerits, mussed payments or other defarrhs on your Account may be
reflected in your credit report. We normally report to such credit reporting
agencies each month. N you believe that our report of your Account status
is inaccurate or incomplete, please write us at the a
Discover, PO Box 15316, Wilmington, DE 1985x5316. Please in ceddedryoessur
name, address, home telephone number and Account number.
Our Cormwniwtlass with Yom You agree that our personnel may listen to
or record telephone calk between you and our representatives without
additional notice to you, indudirr9 but not limited to calls we make to
collect debts. We may use any medium permitted by law, Including but not
limited to mwl, live telephone cak calk, automated telephone prerecorded telephoneeinail and calk to yam cell phane? U
you about your Account or to offer you products or services that ma be of
value to you. If you prefer not to be cormtacted 'n one or more of these
ways, you must either telephone us at 140005COM (1400.347-2683) or
write to us at Discover, PO Box 30961, Salt Lake City, UT 309610961
Releasing Monnation About Your Accent We provide various methods
by which you can obtain information about your Account We will only
release such information to yam, any Authorized User that our records
indicate k an authorized ?io your Account, and any other person with
your prior permission, in to as provided in our Privacy Policy or as
required by Im Our security measures cannot insure against urtauthonzed
inquiries. You agree that we will not be responsible for the release of
information to anyone who, even if without your authorization or
permission, has gabW possession of a Card or has learned other identifying
Accmint number or about you such as your personal identification number, security number.
Electronic Notices to You. We may offer you the opportunity to receive
certain notices from us electronically rather than through the mad,
including monthly billing statements and change of terms notices. The
terns and conditions for receiving these electronic communications will be
described in the offer.
Notices - Changan to Your kformatiom I you change your e-mail address,
mailing address or telephone number you must notify us of your new
address or a number within 15 days. You can notify us by
telephoning i 0005CDM (1.800341-2683) or by writing Discover,
PO gore 30943, Salt Lake Guar, UT 84130-0943. I yaw Account k a joint
Account, any notice we mail W an address you have provided for the
Account wilt serve as notice to both Cardmembea.
CLAIMS AND DISPUTES
Merchant Dkputes. We are not responsible for the refusal of anyone to
accept or honor a Card or to accept checks that we have provided you. I a
-10-
I 13-14
merchant fails to provide your purchase to your satisfaction and you
sod as credit to?your Account, we will investigate the If we
resolve he the deemed e your favor, we will issue a credit to and
you to have assigned to us your claim against the merchant
andlor any third party for the credited amount Upon our request, you
agree to provide us with written evidence of such assignment
Clain Notices. In the event that you or we have a claim that arises from or
relates to your Account, any prior account you had with us, your
application, the relationships which result from your Account or the
enforceability of the Agreement or any prior agreement, before initiating,
joinmg or participating in any judicial or arbitration proceeding, as either
an irxGvidual litigant or member of a class ('Proceeding'), the complaining
ppaarty shop give the other pity (1) a written notice of the claim ('Claim
NoticeI at least 15 days before initiating any Proceeding, explaining in
re asonable detail the nature of the claim and any wpporUrg facts; and (2)
a reasonable good faith opport??i?y to resolve the clakn W600A the
necessity of a -Proceeding ThIn i udes claims W olving our poem
corporation, subsi?uies, affBiates (including, without Imitation, DFS
Services LLC), predecessors, successors, assn ps. as well as the officers,
directors and employees of each of these entities. Any claim Notice shall be
sent to us at Discover, PO Box 3024, New Albany, OH 43054 (or such other
address as We shall subsequently provide to you) (the 'Claim Notice
Address') or to you at your address appearing in our records or, if you are
represented by counsel, to your attorney at your attorney's office.
Arbitration of Disputes. Agreement to arbitrate. In the event of any past,
present or figure claim or dispute (whether based upon corrtrac, tort,
statute, common law or equity) between you and us from
relating to your Account any prior account have had
a ucatmon, the relationships which result from your Account or the
enforrcc.earbllity or scope of this arbbiittryation provision, of the Agreement orboff
or we elect to the claim or digMe
ixrnnding . ra tlon. IF Et1HER YOU OR WE Er ARBITRATION, EITHER
YOU NOR WE SHALL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT
OR TO HAVE A JURY TRIAL ON THAT CLAIM. PRE-NEARING DISCOVERY
RIGHTS AND POST-HEARING APPEAL RIGHTS WILL BE LIMITED. NEITHER
YOU NOR WE SHALL BE ENTITLED TO JOIN OR CONSOLIDATE CLAIMS IN
ARBITRATION BY OR AGAINST OTHER CARDMEMBERS WITH RESPECT TO
OTHER ACCOUNTS, OR LITIGATE IN COURT OR ARBITRATE ANY CLAIMS AS
A REPRESENTATIVE OR MEMBER OF A CLASS OR IN A PRIVATE ATTORNEY
GENERAL CAPACITY ("Class Action Waiver').
Notwithstanding anytihing eke to the contrary in this arbitration provision,
only a court, and not an arbitrator, shall determine the validity and effect of
the Class Action Waiver. Even if all parties have opted to litigate a claim in
court, you or we may elect arbitration with respect to any claim made by a
new party or any new claims later asserted in that lawsuit and nothing
undertaken therein shag constitute a waiver of any rights under this
arbitration provision. We will not invoke our right to arbitrate an individual
claim you bring in small claims court or your stak4 equivalent court, if any,
unless PA action is transferred, removed or appealed to a different court
Governing Law and Rules. Your Account involves interstate commerce and
this provision shall be governed by the Federal Arbitration Act (FAA). The
arbitration shall be conducted, at the option of whoever files the
arbitration claim, by either the American Arbitration Association (AAA) or
JAMS in accordance with their procedures in effect when the claim is filed.
For a copy of their procedures, to file a claim or for other information,
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12/15/09 137:05 PM I
contact AAA at 335 Madison Ave., Floor 10, New York, NY 10017-5905,
www.iKlr.org Oone 1400.778-7879) or JAMS at 620 Eighth Ave., Floor 34,
New York, NY 10018, wwwKjamsadreom (plane 14W352-5267). No other
arbitration forum coil be permitted,, except as agreed to pursuant to either
the Changes to this Agreement section or a writing signed both parties.
If neither AAA norAM is able or wiling to serve as t arbitration
administrator and we and you are unable to agree on a replacement
administrator or arbitrator, then a court of competent jurisdiction will
appoint an administrator or arbitrator or arbitrators fn the case of an
appeal to a panel of three arbitrators as described below). Unless consented
by all parties, no arbitration may be administered by any administrator
or arbitrated by any arbitrator that has any formal or informal policy, rule
or procedure that is incomBtem with or purports to override the terms of
this section. if we elect to resolve a claim or dispute by binding arbitration
and the arbitrator issues an award in your favor on a claim or claims with
respect to which you would not otherwise be entitled to recover your
arbitration filing, administrative and hearing fees, reasonable attorneys'
fees atndlor other arbitration costs, we will responsible for paying or
reimbursing such costs and fees if awarded by the arbitrator.
Fees and Costs. At your written request, we will advance any arbitration
fling, administrative and hearing fees which you would be required to pay
to pursue a claim or dispute as a result of our electing to arbitrate that claim
or dispte. Send to Discover, PO lox 21, Salt Lake Gty, UT
8413DO421. The ?r will decide who will ultimately be responsible
for paying those fees. You will only be responsible for paying or reimbursing
our arbitration filing, administrative or hewing fees to the extent you
would have been responsible for paying attorneys' fees and court or other
collection costs' had the action proceeded in court. In no event will you be
required to pay aairryy fees or costs incurred by us in connection with an
arbitration proceedingg where such a payment or reimbursement is
prohibited by appl'6 law.
Hearings and Decisions. Any arbitration hearing will take place in the
federalJudicial district where you reside. The arbitrator shall follow
appfxable substantive law to the extent consistent with the FAA and
applicable statutes of limitations and shall hones claims of privilege
h be authorized to award all remedies permitted
recognised at law and sat
by the suixtanthre laws that would apply If the action were pending in
court If requested by any party, the arbitrator shall write an opinion
containing drc reasons for the award. The arbitrator's decision will be final
and binding except for any appeal rights under the FAA and except that if
the amount in controversy exceeds 3100,000, any party may appeal the
award within 30 days to a three-arbitrator oaneL whit shall review the
award de ppro?w. Unless ann"ble law provides otherwise, the appealing
will the cost r an of its outcome. However,
We . curs' in good faith a reasoruble request for us to bear the fees
charged by the arbitration administrator and the arbitrators in connection
with the appeal J ubpon any award by the arbitrator may be
enforced in any court jurisdiction.
Odber &nefidaries of flit Provision. Our rights ' and obl' under this
arbitration provision shall 'mum to the benefit of and bebindt'nupon our
parent corporatiora, subsidiaries, affilates (including, without-limitation,
DFS Services LLa predeaesors, successors, assigns, as well as the officers,
directors and ernplayees of each of these entities, and will also inure to the
benefit many third party named as a codefendant with us or with any of
the foregoing in a claim which is subject to this arbitration provision. Your
rights and obligations under this arbitration provision shall inure to the
_12-
benefit of and be binding upon all persons contractually liable under this
Agreement and ad Authorized Users of the Account.
Survival of this Provision. This arbitration provision shall survive termination
of your Account as well as voluntary payment in full by you, airy legal
proceec ids by us to collect a debt owed by you, any bankruptcy by you
and any sac by us of your Account
Right to ??nn??tltloo?r?u 30 d affair r?a?vk?y
tion by usanodce of
sec fwlowirq addren WKWK PO kX30198, Salt Uhl City, UT
a Cod, at ?
841*0l38, ff you were s?iect to arbitration with respect to any
account with us, this n to reject arbitration will not aF* to you. Your
rejection notice must include your name, address elephone number,
Account number and signature and must not be sent with any other
correspondence. CAM us to indicate that you reject the Arbitration of
Disputes section or sending a rejection notice in a manner or format that
does not comply with all applicable requirements is insufficient notice. In
order to process your notice, we require that die notice be provided by you
directly and not through a third party. Rejection of arbitration will not
affect your other rights or responsibiltin under this Agreement or your
obligation to arbitrate deputes under any other acwu t as to which you
and we have agreed to arbitrate disputes. If you do not send a rejection
notice, you wit be obligated by the Arbitration of Disputes section with
respect to this and any piton account you have had with us, even if you have
previously sent a rejection notice with respect to that prior account.
LEGAL INTENWATION OF THIS AGREEMENT
sever"tyn If airy part of this Agreement becomes unenforceable, it will
not mace any order part unenforceable, except that if the Class Action
Waiver set forth above in the Arbitration of Disputes section is invalidated
in any proceeding in which you and we are involved, then the Arbitration
of Disputes section will be void with respect to that proceeding.
Compliance with Interest Rate Limitations. We intend that the Agreement
will comply with applicable interest rate limitations. You will not be
required to pay Finance Charges or other charges at a rate that is greater
than the maximum amount permitted by law. If it 's ever finally determined
that, but for this section, the Finance Charges or other charges under this
Agreement would exceed the maximum lawful amorist, the Finance
Charges and other charges will be reduced to the maximum lawful amount.
Any excess amount dint you have already proud will be used to reduce the
artsteW4 balance of your Account or will be refunded to you by means
of a check in our discretion. ers?g out of
Ag nmerst will by a?pp8cclaim abkor federal law and, the
extent state law appla,? Iaac
ASSIGNMENT OF ACCOUNT
We may sell, assign or transfer your Account or any portion thereof without
notice to you You may not sell, assign or transfer you Account without first
obtaining our prior written consent.
PWACY POLICY
We arc required by federal law to pevide you with a copy of our Privacy
Poicyr aac? yeac N yyoouu have previously notified us abort your privacy,
prehtrerhoes, as dewbed In Section 4, it is not necessary to do so again
unless you decide to change your preferences.
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10oCM0_n28OK_TL22Hm210_0n3n3_reader.i dd 15.16 12115M9 1:37;05 PM
We Respect Your Privacy
Our mission is to provide you with superior products and services, along with
the peace of mind knowing that the secwity of your personal information is
our top priorhtyc We understand your concerns about guarding information
about you
to t? ? you that we have taken
and an will ddyour nue ? want
steps, information.
This Privacy Policy describes our efforts to meet these objectives. it includes
a summary of the following important information:
• A listing of the personal information we collect;
• The circumstances in which we may share information with others; The • and ways we safeguard the confidentiality and security of information;
• The steps you may take to limit our sharing of such information with
others. See Section 4 for complete details.
Please read our Privacy Policy carefully. it will help you understand how we
collect and Owe information.
1. Who Pasorsal Monnadon Do We Collect?
To serve you better and manage our business, it is important that we collect
and maintain accurate personal information about you We obtain this
information from and other forms you submit to us, from r
dealings with us ar?from consumer r you
otherources, such as our Web sites. For exam agencies, and from
• We may obtain information such as your name, address and date of birth
from applications and other forms you submit to us.
• We may obtain information such as Account balances, payment history,
your use of your Account and the types of services you prefer from your
transactions and other dealings with us and others.
• We may obtain information such as the balances of your loans with other
lenders and your payment history with others from consumer reporting
agencies.
• We may obtain information such as your Internet service provider, your
e-mail address, your computer's operating system and Web browser,your
Web site use and your product and service preferences from your visits to
Web sites.
2. Is Personal Manation Shared with Others?
We limit the sharing of information with others Many of the offers you
receive for products and services are provided directly to you from us For
example a retailer that aaep>ts the Dscover? Card may come to us with a
special offer for Carthrembers, such as a dhscourht certificate or product
upgrade. After careful consideration of the nature of the offer and the
company, we will create a list of Cardmembers who may be interested in the
offer based on certain characteristic. We will send the offer directly to
those Cardrnembers on behalf of the retailer bu for example, including an
insert in their monthly billing statement or mailing the ooffffeerr ourselves. We
control the information used to make the offer, we do not share the list or
any irhformatlon about our Cardm embers with the retailer. However, please
understand that if you do receive this type of offer from us and choose to
take advan tage of of the retailer may then learn information about you
because only Grdmembers with certain characteristics received the offer.
There are, however, circumstances in which we may share the information
we collect der t provide you with you, s access described in Section 1, with other companies in
order effect' products and services and to ser viceyour
nrcly; as detailed below. We require these companies to
-14-
adhere to our privacy standards and to use this information only for the
limited purpose for which it was shared. We do not allow them to disclose
it to others without our prior approval.
a. Sharing Personal Information with Our Corporate Family
Our corporate family offers a variety of products and services that can help
you manage your finances. In order to provide you with access to these
products and services, we may share the information we collect about you,
as described in Section 1, with other members of our corporate family
These companies include financial service providers that offer credit
protection, card servicing and payment processing services.
b. Sharing Personal Information with Non-Affiliated Parties for
Marketing Purposes
in Section
ewithh may share the norwffikated third parties, including those that described t M? acce h ?
Card, in order to
directly bbyy these companies that that with may bee of value to you. These companies
include tancial service providers, such as insurance companies, and non-
financial companies, such as retailers.
c. Sharing Personal Information with Others
We may share the information we collect about you, as described in Section
1, with companies that perform support or marketing services on our behalf,
such as mailing, market reseudh and data processing; other financial
institutions with whit h we ham ' irnt marketing agreements; or companies
that are our partners for co-brand o?erbt card programs or reward programs.
We may also share such information as permitted-by law.
3. How Do We h3otect the CatNdemiailty, Security and Integrity of
Information about You?
We maintain physical, electronic and procedural safeguards to protect the
informations we collect about you. Access to such information is restricted to
individuals who need it in order to T!'Ke your Account or provide products
and services to you, and who are trained in the proper handling of such
information. Employees who violate these confidentiality requirements are
subject to our disciplinary process. Where third parties provide support
services, we require them to conform to our privacy standards
It is important that the information we maintain about you ls accurate and
complete. If you see information in your monthly, bil n statements or
elsewhere whch suggests that our information is hneomplebe or inaccurate,
please write to us at Discover, PO Box 30943, San Lake City, Ur 841300943
so that we can update this information.
4. Now Can You Limit Sharing of Myoourmatim About You?
We respect your privaLy and offer choices irdom outwith whets. You havethe as ptwhetler may share
m share
the information we collect about °^Soteo s 1, wth non-
ve 1}1e described in Sus on 1, with non
affiliated third partes. You also har
oprtion to tell us not to share the
information we collect about you, as described in Section 1, with companies
;= ae fw* If you indicate a preference for either of these understand that you may not receive offers for products and
services provided by other companies that could help you lower your costs,
maximize your financial resourm or manage your finances
30961, Soh Wad us at 1-M2253202 or write to
TDislxlver NO Box ves,
preAM* no" UMM uyou sabout privacy preference3stk not If
sa?M Coto
request ? your pnhmnceL Your written
equa should include to your name, address, telephone number and Account
-1s-
10DCM0_02BOK-TL22HO210_01383_reader.irdd 17-18 12/15/09 137:05 PM
number(s) and should not be sent with arty, other correspondence. In order
to process your request, we require that the request be provided by you
directly and not thnwgh a third party. You will need to provide us with your
preferences for each credit card account you have with us.
You may notify us about your preferences at any time. Your request will
remake ten effect untilno?y us otherwise. Vlye will honor your request
and rat share this ' except as permitted by law. For example,
federal law permits us to share information about you with consumer
reporting agerx* service providers and fnandal institutions with which
we havelan markeny agreemerrts. Ifyou are a new Cardmember, we will
not share any information about you, except as permitted by law, for thirty
days after we provide this Policy to you in order to giveyou an op nky
to inform us about your preferences. If you are an existing Caber,
please understand that you may continue to rece ive marketing offers
directly from other companies that were already in production prior to the
processing of your request.
Th«=' Policy is provided ttod the i ry Cardmember listed on the
owever, any joint ber has the right to notify us about
preferences and we will treat that request as applying to the entire
Account. VAe do not share information about former customers, except as
permitted by law. This notification supersedes all previously issued Privacy
Policies. V* reserve the right to amend this Privacy Policy from time to time
and we will notify you if we do so.
This Privacy ntly6 provided to you by Discover Bank and its subsidiaries,
which curre n Jude GTC Insurance Agency, Inc. and Discover Products
Inc Unless otherwise specified, it applies to the family of Discover Cards for
consumers and the products and services offered in connection with those
Cards including the Wallet Protection card registration service (with the
exception of any information registered in connection with the service,
which will not be she 4. R Is part of your Cardmember Agreement and
provides a further explanation of how we collect and share information.
You may have other rights under state laws that apply to this information.
Please rate that you will also receive privacy notices for other credit card
accounts you have with us, as well as other financial products and services
provided to you by us and our affiliates You will need to indicate your
preferences for each of these separately as disclosed in the notice.
Vermont RmWsi. ts- Your state law requires financial kstRutions to obtain
your eonssermt error to sharing information about you with others. Except as
permitted by law, we will not share information we collect about you with
nonaffiliated third i crop in our corporate famNy unless you
call us at 1 3412683) and autlrorize us to do so.
California III Your state law requires financial institutions to obtain
risen prior to sharing information about you with non-affiliated
parties Except as permitted by law, we will not share information we
collect about you with nonaffiliated third parties while you are a resident
of California.
Your Billing Rights
KEEP THIS NOTICE FOR FUTURE USE
This notice contains important information about your rights and our
responsibilities under the Fair Credit Billing Act
1. Ab ft Us in Case of Enors or Questions About Your Bill
If you think your bill is wrong or if you need more infornation about a
transaction on your bill, write us on a separate sheet of paper at the address
-16-
listed on your bill for Notice of Billing Errors. White to us as soon as possible.
We must hear from you no later than 60 days after we sent you the first bill
o which will not the error problem med. You can telephone us, but doing
Preserve your rights.
In your letter, give us the following information:
• your name and Account number.
• your dollar amount of the suspected error.
• describe the error and explain, N you can, why you believe there is an error.
If you need more information, describe the item you are not scree about
H you have authorized us to pay your credit card bill automatically from
your savings or checking account, you can stop the payment on any amount
you think is wrong. To stop the payment, your letter must reach us three
business days before the automatic payment 6 scheduled to occur.
2 Your Nghts and Our ResPOn U*s After We Receive Your Witten
We must acknowledge your letter within 30 days, unless we have corrected
the error by then. Within 90 days, we must either correct the error or
explain why we believe the bill was correct.
After we receive your letter, we cannot try to cow any amount you
question or report you as delinquent Mlle can continue to bill you for the
amount you question, including finance charges and we can apply any
unpaid amount against your Account credit limit You do not have to
2i questioned amount while vw are investigating, but you are std 1
gated to pay the parts of your bill that are not in question.
If we find that we made a mistake on your bill, you will not have to pay arty
finance charges related to any questioned amount. If we didn t make a
mistake, you may have to pay the finance charges, and you will have to make
up any missed payments on the questioned amount In either case, we will
send you a statement of the amount you owe and the date that it 6 due.
If you fail to pay the amount that we think you owe, we may report you as
def?nt However, If our explanation does not satisfy you and you write
us ten days telling is that you still refuse to pay, we must tell anyone
we report you to that you have a question about your bill. And, we must
tell you the name of anyone we reported you to We must tell anyone we
report you to that the matter has been settled between us when t finally
is. If we don't follow these rules, we can't collect the first $50 of the
questioned amount even if your bill was correct.
3. *W Rule for Credit Card Punt aces
If you have a problem with the quality of goods or services that you
purchased with a credit card, and you 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 goods or services. There are two limitations
on this right:
(a) you must have made the purchase in your home state or, if not within
your home state, within 100 miles of your current mailing address; and
(b) the purchase prke must have been more than $50.
These knitati ms cab not apply'f we own or operate the merchant or if we
mailed you the advertisement for the goods or services.
A Pnxdases Ailade with 09chs or Cash Advances
The Special Rule for Credit Card Purchases does not apply to purchases
made with a balance transfer check, ash advance or promotional purchase
check. Therefore, if you have a problem with the quality of goods or
-17-
10DCM0_02BOK_T122H0210_01363_reader.indd 19-20 12/15/09 1:37:05 PM
services that you purchased with a balance transfer check, promotional
purchase drcdc, cash advance dick or the proceeds of a cash advance, you
do not have the right to withhold payment of the amount due.
DESO WTION OF COVERAGE
SCHEIMD AIR TRAVEL ACODENf INSURANCE
Discover* Cardmembers are provided with $500,000 Scheduled Air Travel
Accident ksurance.* You, your 5ppim, Domestic Partner or eligible
Dependent en for whom a ticket was pwdased on your Card (as
defined below Often
wit be automatically insured ag" Accidental Loss of life
arising from and oocurrkha on a Covered Trip while you, your Spouse,
Domestic Partner or eligible Dependent Children for whom a ticket was
purchased on your Card are riding as a passenger in or or
being sbud by a Sdmkded Aircraft or aconveyanceoper ore rra'ltary
transport service or riding as a passenger in or entering or exiting any
con
to or fiance licensed to the pubic for as ff eand while traveling u?
the airport 1 ing hichtheinsured Perm has purchased pa?uagge Band immme day
Aircraft on w
following the arrival of a Schedule Aircraft on which the Insured Person was
a passenger.
*Coverage is underwritten by Federal Inwrance Compaq a member
insurer of the Chubb Group of Insurance Companies. Certain limitations
and exclusions apply.
PLAN FEATURES
THE BENEFRS: The full Benefit Amount ($500,000) is payable for Accidental
Loss of Life. The Loss must occur within one year of the Accident.
MAXIMUM UMPr OF INSURANCE. If more than one Insured Person suffers
a Loss in the same Accident, the Company will not pay more than the
maximum limit of insurance ($20,000,000) per Accident, if an Accident
results in Benefit Amounts becoming payable, which when totaled, exceed
the applicable limit of insurance shown above, the maximum limit of
insurance will be divided proportionally among the Insured Persons, based
on each applicable Bereft Amount In the event of multiple Accidental
deals per Account arising from arty one Accident, the Company's liability
for all such Losses will be 0mited to a maximum limit of insurance equal to
two tines the applicable Benefit Amount for Loss of Life. Benefits will be
proportionately divided among the Insured Persons up to the maximum
imt of insurance.
DUVNTK N5
means a sudden, unforeseen and unexpected event
happening sore, and includes unavoidable exposure to elements
arising fiom a covered Hazard.
9od11t1DLL1Yd means bodily injury which is Accidental, is the
direct sown a Lash, s P of disease, illness or other cause and
occurs while this policy is in force.
! means a Card account
leffla means the Loss amount at the time the entire cost of the
passenger fare s charged to an Account.
Sabi means the Discover Card.
cr means the holder of the Card whose name appears on the
edit card.
Sglaplpy means the Federal Insurance Cornpan)k
Qmmd nears travel on a Scheduled Aircraft when the entire cost of
the passenger fare for such transportation, less redeemable certificates,
vouchers coupors, has been charged to the Insured Person's Account.
.18-
I 21-22
r or Cl?ilben means those dhiklren, including adopted
children and those rnaoren placed for adoption, who are primarily
dependent upon the ksurcd Person for mairrhnarae and support and who
are: (1) under the age of 19 and reside with the Inched Person;(?) beyond
the a of 19, perrnanenidy mentally or physically challenged ah>d mcapable
of sNf support; or (3) under the age of 25 and classified as ftMme students
at an institution of higher learning.
Doirmislic means a person who: (1) is at least 18 years of a and
to enter into a contract; (2) is not related to the Insured mon
= cow to thhas e t?enro (4) is not k married or separated;
and (5) as of the date of enrolknenL has wfthrc insured Person at kart
two of the following financial arrangements: (a) a ?"ant mortgage or haze;
(b) a joint bank account; (c) joint tide to or oar lip of a motor vehicle or
status as a joint lessee on a motor vehicle lease; or (d) a joint credit card
account with a financial institution. Neither the Insured Person nor the
Domestic Partner can be married to, nor in a civil union with, anyone else.
Iitlitud means the covered circumstances for which this insurance is
provided as stated in Section laz of the Declarations, Hazards, and described
in the Hazards form, as described on page 1 of this Description of
Coverage.
Inswed (gyp means all Cardmembers, their spouses, Domestic Partners
and Dependent Children, as well as authorized users of the Account.
Ian means the loss of Life.
Lou of means death, including clinical death determined by the local
governing medical authorities.
means DFS Services LLC, the entity responsible for the payment
premium.
sftw means an aircraft owned and/or operated by a
Scheduled Airline.
means an airline which is either of United States registry
and c ' ed by the United States government to carry passengers on a
regularly Scheduled basis or of foreign register and approved by the United
States govemment and the appropriate foreign authority.
means hostilities fallowing a kkcaratien of War by a merit
icift H there is no dedawfion of War, then (1) ar open and
continuous hoitilid s between two countries or (2) awned, open and
continuous hoedlities betweern two fad ions, each in control of territory, or
claiming jurisdiction over the site of the area of hostility.
DISAPPEARANCE 11184HfS: If the Insured Person has not been found within
one=the=ewance, stranding, sirdckg,wreddrV or breakdown of oroorm
or convqancie which the Insured Person was covered
ssumed, in
as an om pant, it will be a
all other terms of the pd4 that
the Insured Person has suffered Loss Life covered under this policy
EXPOSURE IENENTS: Accident includes unavoidable exposure to elements
arising from a covered Hazard.
EUGIBR!(Y; This insurance plan is provided to Insured Persons automatically
when the entire cast of the passenger fareW on a Scheduled Airline is
charged to the Cardmember s Account while the insurance is effective. it is
not necessary for you to notify the Policyholder or the Company when
Scheduled Aldine tickets are purchased.
EFFECTIVE DATES: Your insurance under this insurance plan is effective on
the later of. 1) April 1, 2007; or 2) the date you become an eligible
Cardmember. Your insurance coverage under this insurance plan will cease
-19-
12/15/09 1:37:05 PM I
on the earlier of: (1) the date the insurance coverage is terminated; or
(2) the date you cease to be an eligible Cardmember.
COST: This insurance plan is provided at no additional cost to ek?ible
Insured Persons for Covered Trips. Policyholder pays the full cost of the
insurance.
THE MMEROAR . The Lass of life beriefit will be paid to the beneficiary
designated br you R no such daign?ion has been m?e. that benefit will
be paid to the first surviving berieficlairy in the following order: a) your
spouse; b)) your d?Hdren; d your p eats Q your brothers and sisters, e) your
estate. Al) other krdannitles will be paid to you. If you wish to dwn9. your
benefciary YOU may request a beneficiary designation form by wndlndng to
the st?ninatretor at The Direct Mark rorouupp, 26 kdfard
Avenue, Omaha, NE 68161 or at BenefidaryrequestOThe DlrectMG com.
EXCLUSIONS This innxance plan does not cover Loss resulting from: (1) an
Accident occu ring while an Insured Person is in, entering, or exiting any
aircraft o e? leased or operated by this Policyholder or any aircraft or operated bbyari employee o l Pok*mkle? on behalf
of the Policyholder (this excluskin pilot or am on one time chart basis), ? not (2) an apply accident ft while an IInnsurwithed
Person is in, entering, or exiting any aircraft while acting or training as a
pilot or crew member (this exclusion does not apply to passengers who
temporarily perform pilot or crew functions in a fife threatening emergency);
(3) emotional traurna, mental or physical illness, disease, pregnancy,
childbirth or miscarriage, bacterial or viral infection, or bodily malfur6ons
(except bacterial infection caused by an Accident or from Accidental
consumption of a substance contaminated by bacteria); (4) suicide,
attempted suicide or toss that is intentionally self-inflicted; or (5) declared
or undeclared War.
CLAIM NOTICE: Written claim notice must be given to the Company within
90 days after the occurrence of any Los covered by this policy or as soon as
reasonably possible. Failure to give notice within 90 days will not invalidate
oorrredu a any otherwise valid claim if notice is given as soon as reasonably
pble.
a" FORMS: When the Company receives notice of a daim, the Company
will send you forms for giving proof of Los to us within 15 days If you do
not receive the fors, you should send the Company a written description
of the Loss.
CLAIM PROOF OF LOSS: Complete proof of Los must be given to Company
within 90 days after the date of loss or as soon as reasonably possible.
Failure to give complete proof of Lou within these time frames will not
invalidate any otherwise valid claim if
notice is grven as soon as reasonably
possible and in no event later than one yea after the deadline to submit
complete proof of Lass.
Cl" 1y1YMENC The Company will payafte you or your beneficiary the
received applicable and if you, Amount witlld r armd?dlor the r beneficiary have of
with all the terms of the poky. ens complete
AWFRATKK In the event of a dispute under this polio, eitterthe Compaq
or the Insured Person may make a written demand for abitratim in that
case, the Compainy and the inured person will each select an arbitrator. The
two arbitrators will select a third N they cannot agree within 15 days, either
the Company orthe Insured Person 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 Person's principal residence.
-20-
IF YOU HAVE ANY CLAIM RELATED QUES11 K PLEASE CALL THE CLAIMS
SERVO CENTER AT 1-80001AM W (148042524670).
You can also go to the Company Web site (www.chubb.com), click on
Report a Loss, select Accident, Benefits and Life claims, select the
:p propriate form, pint out the claim form, fill out and mail. You can file
claim by mail or fax.
MaMng Address: CHUBB GROUP OF INSURANCE COMPANIES
CLAIMS SERVO CENTER
600 INDEPENDENCE PARKWAY
PO BOX 4700
CHESAPEAKE, VA 233274700
Fax Number: 148043002538
As a handy reference guide, please read this and keep it in a safe place with
your other insurance documents. This description of coverage is not a
convact of Insurance but is a of the principal provisions of the
insurance while in effect Complete icy provision are contained in the
Master Pohc% which can be obtai from the Policyholder.
Policy #9906.1W
Policy Underwritten By Plan Administrator
Federal Insurance Company The Direct Marketing Group, Inc.
a member insurer of the 13265 Bedford Avenue
Chubb Group of Insurance Companies Omaha, NE 68164
15 Mountain View Road, PO Box 1615
Warren, NJ 07061-1651
DESCRPnON OF COVERAGE
SECONDARY RENTAL CAR COLLISION COVERAGE
Discovers' Cardmembers can benefit from the security and safety offered
through Excess Co1:W n Da Waiver. If you rent a vehicle for 31
consecutive days or less (or 45 under certain circumstances described
below) with your Card (as defi below), you maybe eligible for benefits
under this coverage. Excess CoHision Damesge Waiver is an insurance
program, underwritten by Federal Insurance C rrmpor any Policy #9906-17.63
(the "Policy').
DEF WnONS;
J means a Card account.
Jh1 Ysisr means the cost to repair or replace the Rented
Automo k at t time of loss, less depreciation.
credit card. means the holder of the Card whose name appears on the
Qd meal the Discover Cad.
mean the direct and accidental damage to a Rented
Autom caused by upset or col isiion with another object Collision
Damage does not include loss caused by missiles, falling ob 1s, fire, theft
or kruny, explosion, earthquake, windstorm, hail, water, flood malicious
mischief or vandalism, riot or dvil commotion.
mean the Federal Insurance Company.
buM mean Cardrnembers and authorized users of the Accout
premium. means DFS Services LLC, the entity responsible for the payment
mean a commercial automobile rental company licensed
the laws of the applicable jurisdiction.
means a four-wheeled private passenger type motor
vehicle or a minivan manufactured and designed to transport a maximum
of seven passengers and used excurOmy to carry passengers. A Rented
-21-
I 23.24 12115/09 1:37:06 PM
Automobile must be designed for travel on public roads and rented from
Rental Agency.
TO GET COVERAGE
• The Collision Damage Waiver Coverage is provided to you, as an Insured,
automatically when the entire rental fee for the Rented Automobile is
charged or debited to your Account. K is not necessary for you to notify
the Company at the time the rental fee is charged or debited to your
Account
• You must decline the LosslDamage Waiver offered by the vehicle Rental
• YYooumumust rent the vehicle in your own name and sign the vehicle rental
agreenrnernUcorrtract
• The coverage period will not exceed 31 consecutive days, or 45
consecutive days If the Insured is an employee of an organization which
has provided a Card to the Insured for business use.
THE KIND OF COVERAGE YOU RECEIVE:
In consideration of the premium paid by the hlicyholder as required, and
subject to ail the terms of the the Compargr agrees to reimburse on an
Attuai Cash Value basis either the 4sured or the Rental for repair or
replacenernt of the Rested Autosssoble as a result of Da Comage t0 the
Rented Automobile. The Company's fialft wiI be for a maximum
reimbtxsemend of 525,000. In no event rig the ompany be liable beyond the
am0nrts actually paid by the In red or the Rental Agency.
• If you or an InsuredS primary vehicle insurance or other coverage has
made payments for a covered loss, Excess Collision Damage Waiver will
cover your deductible and any other eligible amounts not covered by
other insurance.
• This coverage is not all-inclusive, which means it does not cover such
things as persona or personal liability. K does not cover you for
damages to other vehicles or property. R does not cover you for any injairyury
to any party.
WHO IS COVERED:
• Discover Cardmembers
EXCLUDED RENTAL VEHICLES:
Off-road, antique or limited edition motor vehicles; trucks; recreational
vehicles, campers, pickup trucks, and mini buses; limited edition motor
vehicles or high value, exotic, high performance or collector type. value
motor vehicles are motor vehicles whose replacement value exceeds 50,000,
and motor vehicles are defined as any vehicle over 25 years old, or
anyvehicle which has not been manufactured for 10 years or more
WHERE YOU ARE COVERED:
• Coverage applies to vehicles rented anywhere in the world.
• Coverage is not available where prohibited by law.
WHAT K NZ COVERED.
Coverage does not apply to loss resulting from the following:
• AM dmonest, fraudulent or criminal act of the insured.
• Forgery by the Insured.
• Loss due to war or confiscation by authorities.
• Loss due to nuclear reaction or radioactive contamination.
• The Insured being intoxicated, as defined by the laws of the jurisdiction
where the loss occurred, or under the Influence of any narcotic unless
prescribed by a physician.
• Use of the Rented Automobile to tarty passengers and property for hire.
• Use of the Rented Automobile by a person other than the one authorized
_ZZ_
to operate the Rented Automobile by the terms of the Rental
• Loss of afufi use of the Rented Automobile.
• Intentional damage to the Rented Automobile by the Insured.
• Damage which is due and confined to wear and tear, freezing, mechanical
or electrical breakdown or failure.
• Damage to tires unless the loss is coincident with a covered loss.
• Use of the Rented Automobile in tests, races or contests.
• The Rented Automobile being operated or located in any territory
prohibited by the terms of the Rental Agreement
FOR INSUREDS WHO ARE NEW YORK STATE RESIDENTS:
To the extent that this plan provides insurance against damage to a rented
motor vehicle, the following terms and co ditlorx apply: (1) the period of
insurance coverage will not exceed 31 consecutive or 45 consecutive
days if the Insured an employee of an has provided the
Card to the Insured for business use, and I surance provided by this
plan will be excess over any other valid and collectible insurance covering the
Rented Autamoble. However, the insurance provided under this plan may
De if speclfinMy provided for under the terns of this plan and if the
fo?aiteria Is met (a) the Rented Automobile is rented for use outside
the United States, its territories and possessions; (b) the Insured is an
employee of an on which has provided the Cad to the Insured for
business use; and Cc) Automobile is rented without a driver.
HOW TO FILE A CLAIM UNDER EXCESS COLLISION DAMAGE WAIVER:
in the event of a claim, written or verbal notice must be provided as soon
as reasonably possible.
IF YOU HAVE ANY CLAIM RELATED QUESTIOK PLEASE CALL THE CLAIMS
SERVICE CENTER AT 140-CLAIMS-0 (141025246701.
You an also go to the Company Web site (www Chubb com), dick on Report a
Lass, select Aeddent, Benefits and Life chins, select the appropriate form, print
out the claim form, fill out and mail. You can fie a claim by mad or fax
Mailing Address: CHUBB GROUP OF INSURANCE COMPANIES
CLAIMS SERVICE CENTER
600 INDEPENDENCE PARKWAY
PO BOX 4700
CHESAPEAKE, VA 233274700
Fax Number 1-800.300.2538
CLAIM PROCEDURE:
The Insured must send the Company written notice of a claim, including the
Insured4 name and Policy number, within 90 days after a covered loss occur.
If notice cannot be linen within that time, it must be given as won as
reasonably possible. To file a sworn Proof of Loss, the Irsured rust send the
following information to the Company or its authorized representative:
• A copy of the Account statement showing the automobile rental transaction.
• A copy of the automobile rental agreement.
• A copy of the police report
• A copy of the initial claim report submitted to the automobile Rental Agency
• A copy of the pad claim presented by the automobile Rental Agency for
the Collision Damage for which the Insured is responsible.
• Roof of submislon of the loss to, and the results of any settlement or
denial by the applicable insurance prier(s).
• If no other insurance is applicable, a notarized statement from the Insured
to that effect
_23_
10DCM0_02BOK_TL22H0210_01363_reader.indd 25-26 12/15109 1:37:06 PM
Reminder. Please refer to the Insurance Disclosures section.
INSURANCE DISCLowes
As a handy reference guide, please read this document and keep it in a safe
place with your other insurance documents. This Summary of Coverage 6
not a contract of insurance but is simply an informative statement to
eligible Insureds of the principal provisions of the insurance while in effect
Ccomplete provisions pertaining to this plan of insurance are contained in
the master policy on file with DFS Services LLC, herein referred to as the
Pdicyhokler. If a statement in this Summary of Coverage and any provision
in the polcy di fed, the policy will govem.
Policy Underwritten By Plan Administrator
Federal Insurance Company ('ompany') The Direct Marketing Group, Inc
a member the 13265 Bedford Avenue
Chubb Group of Insurance Companies Omaha, NE 68164
15 Mountain Kew Road, PO Box 1615
Warren, NJ 07061-1651
Master Policy Number. 9906-17-63
Effective deft of benefits: Effective April 1, 2007, this guide replaces all
prior disclosures descriptions, advertising, andfor brochures loll
arty party. fbBcyhol er mmd Company reserve the right to change the
benefits and features of these programs at any time.
Cacdatlon: Policyholder can cancel these benefits at any time or chose
not to renew the insurance ? age for all authorized Cardmembers. I
Pd does cancel thrse?bernetits, you will be ratified at least 60 days
in advance the terminates, canals, or chooses not to renew the
coverage to you will be notified as soon as 4 practicable,
Irmlrana benefits will still apply for any benefits you were eligible for prior
to the date of such trxminathom, cancellation, or non-renewal, subject to
the terns and corsditiors of coverage.
Benefits to you: These benefits apply only to Cardtrembers whose cards are
issued by U.S. financial mstitutiom. The United States 6 defined as the 50
United States, the District of Columbia, American Samoa, Puerto Rico,
Guam and the US. Virgin Wands. No person or entity other than the
Cardmember shall have any legal or equitable right remedy, or claim for
insurance proceeds andfor damages under or arising out of this coverage.
These benefits do = If your Card privileges hikve been canceled.
Homer, insurance will still apply or any beriefit you were eligible
for prior to the date that your Account is suspended or cancelled subject to
the tenor and conditions of coverage of your Cardmember Agreement
Transfer of right or bww ts: No rights or benefits provided under these
insurance benefits may be assigned without the prior written consent of
the Company.
tntlon and Fraud: Coverage of the Insured will be void if, at any
time, the Insuxed has concealed or misrepresented any material fact or
circumstance concerning this coverage or the subject thereof or the interest
of the Insured herein, or in case of any fraud or false swearing by the
Insured relating thereto.
Coverage for an Insured will be void if, whether before or after a loss, the
Policyholder or its subscribing organization(s) has concealed or
misrepresented any material fact or circumstance concerning this coverage
or the subject thereof or the interest of the Insured therein, or in case
of any fraud or false swearing by the Policyholder or its subscribing
organization(s) relating hereto.
-24-
AdMon of New Insureds: All eligible persons will be automatically insured
under this Policy.
Examination tinder Oath: R is a condition of this insurance that the insured
and the Pokyholder, as often as may be reasonably required by the
Comparys wi wbmk and within its power cause others to submit, to
examination 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 due as may be
designated by the Company or its representative, and will penrit extracts
and copies thereof to be made. No such examination under oath,
lgrees
examination of doaxnerits or any other act of the Company, its errnporclaaim
or representatives in connection with the investigation of any loss
will be deemed a waiver of any defense andsucli acts shall be deemed to
have been made or done without prejudice to the Compmnys liability.
No Benelt to Odws: This coverage will in no way inure directly or indirectly
to the benefit of any insurer, person or organization or other bake.
SubrogdIm R is a condition of this insurance that if the Company pays the
Imured for a loss, it will require the insured to assign and transfer any claim
or right of action agarot any individual, firm or corporation for such loss to
the pa y or s?rogate or hold in trust all such rights to the extent of
the amount pad. The Insured will agree to take action as requested by the
Company to enforce wen rights Upon payment by the to the
Insured, the ksured agrees to direct enforcement of?rights as
reasonably requested by the Cry and to return to the Company any
recovery to the extern payment of lass has been made by the Company
Arbitratlorc in the event of a depute under this pohc3 either the Company
or the enured may make a written demand for arbitration. In that case, the
Company and the Insured will each elect 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 hsured's principal residence.
GLOBAL TRAVELER'S HOTLINE TERMS AND CONDITIONS
The Global Traveler's Hotline provides Cardmembers and their families a
wide range of free travel assistance beneft it is operated by AXA
Assistance USA, Inc. Visit DiscovercarclAwriltravel to team more.
Eligi6iNtx You mast be a Cardmember whose Account is in good standing,
the Cardmember's spouse or dependent child trawling with the
Cardmember or an Authorized User of an Account in good starling.
Thad-l" C agges. Global Traveler's Hotline is not insurance, so you will
be responsible for all third-party fees and expenses for services requested,
such as professional or medical fees.
Availability of Sovkas. Certain services may not be available in all areas.
Cal urn at 14*OKCDM (1800.347-2683) for assistance turf you have
questions about a specific destination. Outside the U.S., call us collect at
1-801-902-310D. While AXA Assistance will make every reasonable effort to
provide the services, neither AXA Aaistarce nor Discover Bank or our
respective affiliates will be liable if a service 6 not provided or for any
services that are provided by third parties. The services and these terms and
conditions are subject to change without notice.
-25-
I 27-2a 12/15/09 1:37:07 PM
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
new Account within 30 days after receiving your Card,
as explained in the "Right to Reject Arbitration"
section at page 13.
BIWNG RIGHTS ..........................Pages 14-16
Important information about your rights and our
responsibilities under the Fair Credit Billing Act
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.
02011 Discover Bank, Member FDIC TL23H.0211
I 11DCM0_029OK_TL23H0211_00093.indd 1-2 1/11/11 9:52 AM
CARDMEMBER AGREEMENT
Mom read this AWwment cwef* b An using your I>iscovea Card
Amount It c sal w tb terms and conditions of your Account, some of
which may have dwgW from earlier nwwd k provided to you. In the
event of any dWerghM this Agnamer8 shall rqh n! We regal yon
psiwctc See the PrKwy wdon an page 10 and our Privacy Policy for
sdditloral Wdormatlam The Anbkmtion of DispuW section on page 12
indhdw a waive of a munbr of rights, idsdkg the to a jury bias.
The Right to Reject Ar W&tk n section on 13 dualw the procedure
you must follow if you desire to mjw 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 A fthorizadons ..........................................3
Authorized Users ..............................................3
Unauthorized Use .............................................4
Your Credit Lines ..............................................4
CHANGES TO THIS AGREEMENT ....................................4
MAIQNG PAYMENTS ..............................................4
Promise to Pay ................................................4
Monthly Billing Statement ...................................... 5
Monthly Payment Options ...................................... 5
Automatic Billing Arrangements ................................ 5
How We Apply Payments .......................................5
Minimum Monthly Payment .................................... 6
Skip,-A+aymert 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
Penalty APR ..................................................8
FEES ............................................................8
Cash Adlrance Fee ...........................................8
Balance TransferFee ...........................................8
Foreign Currency Fee ..........................................9
Minimum Interest Charge ......................................9
Annual Fee ...................................................9
Late Fee .....................................................9
Returned Payment Fee .........................................9
Returned Discover Card Check Fee ...............................9
Research Fee .................................................9
DEFAULT AND CANCELLATION ..................................... 9
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11DCMD_0280K_TL23H0211 00093Ardd 3-4 1/11/11 8:52 AM
Types of Default ...................................... .... .... 9
Consequences of Default ......................................10
Cancellation .................................................10
PRIVACY AND OUR COMMUNICATIONS WITH YOU ..................10
Our Privacy Policy ............................................10
Reporting to Credit Reporting Agencies .........................10
Our Communications with You .................................10
Releasing Infornwtion Abort Your Account ......................11
Electronic Notices to You ......................................11
Notices-Changes to Your information ..........................11
CLAIMS AND DNU13 ..........................................11
Merchant Disputes ......................................... .11
Claim Notices ................................................11
Arbitration of Daphnes .......................................12
Right to Reject Arbitration ...................................13
LEGAL WTERPRETATION OF THIS AGREEMENT .......................14
Severability .........................14
Compliance with Interest Rate Limitations .......................14
Governing Law ..............................................14
ASSIGNMENT OF ACCOUNT .......................................14
DIEWTIONS
'Amount' means your Discover Card Account.
'APR' means an annual percentage rate.
'Authorized User' means any person whom you authorize to use your
Account or a Card, whether you ratify us or not.
"CAW means any one or more Discover Cards issued to you or someone
else with your authorization.
'Pricing Sdhedde' means the document accompanying your Card and
listing the APRs that apply to your Account and other important
information. The Pricing Sdrcdule 6 part of this Agreement.
'We,' 'us' and 'our" refer to Discover Bank, the issuer of your Discover
Card.
'You,' W or 'yours' refer to, in addition to you, the Cardmember, any
other person or persons who are also contractually liable under this
Agreement.
USING YOUR ACCOUNT
Your Acceptance of this Agreourent The use of your Account or a Card by
you or an Authorised User, or your faikare to ca ncel your Account within 30
days after receiving a Card, means you accept this Agreement including the
Arbitrati on of Dispute section on page 12. You may, however, reject the
Arbitration of Disputes section as explained on page 13.
Permitted lkes of You Amaount You Account may be used for.
• Purchases - to purchase or lease goads or services from participating
mer(hants by presenting your Card or Amount number or by using
promotional checks, which we may furnish to you, in accordance with
such additional terns and conditions as we may offer from time to time.
• Cash Advances - to obtain cash advances from participating automated
teller machines, financial institutions or other locations, the purchase of
lottery tickets, racetrack wagers, vouchers redeemable for cash or for
casino chips, money orders, traveler's checks, savings bonds, foreign
-2-
currency and wire transfers, or by means of checks which we may furnish
to you, all in accordance with such additional terms and conditions as we
may offer from time to time.
• Balance Transfers - to transfer balances from other creditors or to make
other transactions by means of balance transfer coupons or checks, in
accordance with such additonal terms and conditions as we may offer
from time to time.
In addition, your Account may be used to guarantee reservations at
participating estanb lWimerhts. You will be liable for guaranteed reservations
that are not cancelled prior to the time specified by the establishment. Your
Account may be used for personal, family, household and charitable
Pub
11101 iced Uses of You Amount Your Account may not be used to obtain
bans to purdmse, carry or trade in securities, to pay any amount you owe
under this Agreement or for any transactions that are unlawful where you
reside or where you are physically located when you use the Account to
initiate the transaction ("Prohibited Transactions').
Purdnass and Cats Advances in Forehpn Currencies. If you make a purchase
or cash advance in a foreign currency, it will be converted to U.S. dollars
using either a govemment-mandated rate, a government-published rate or
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
the conversion date for the transaction, which may be different than the
Transaction Date as shown on your statement. We charge a Foreign
Currency Fee for each purchase made in a foreign currency as described in
the Foreign Currency Fee section on page 8.
Cash Advrsas We may period offer you promotional rates on cash
advances for the time period wedfied in the offer, subject to the Penalty
APR section. The offer may contain a Cash Advance Fee for each cash
advance.
Balance TmwfwL In our discretion, we may periodically offer you the
opportunity to make balance transfers from other creditors or to make
other transactions to your Account by means of balance transfer coupons
or diet s. The standard purchase rate appRes to balance transfers.
However; we may periodioBy offer you promotional rates on balance
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
transfer balances by means of a check after the expiration date, we will
treat the transaction as a rash advance. We will not make balance transfers
attempted by means of a coupon after the expiration date. We may charge
a Balance Transfer Fee as indicated in the Balance Transfer fee section.
Credit Audwhodorsc. Certain transactions wRl require our authorization
prior to completion. In some rases, you may be asked to provide
identification. We have the fight not to authorize a transaction for security
or other reasons. Also, 0 our authorization system is not working, we may
not be able to authorize a transaction. We will not be Fable to you N any
of these events happen.
Audwrmed Uses, If you want to cancel the authority of a current
Authorized User to use you Account or a Card, you must notify us and
destroy any Card in that person's possesbn. You can notify us by
telephoning t-PgDCDISM111(1-804347-2683), or by writing PNscover, PO
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11DCMD_02BDK-TL23M0211 OD053.indd 5-6 1/11/11 9:52AM
Box 30943, Sait Lake C4 UT 841340943. None of your rights under this
Agreement (other than to pay amounts owed) may be exercised by any
person not a party to this Agreement acting pursuant to a power of
attome% without our separate written agreement (which we are not
obligated to give).
Inert orlaed Use, Prior to its use, each Card must be ' ned by the person
to whom it is issued. If a Card is last or stolen, or If you think that someone
is using Account or a Card without yyoouur permission, notify
us ==. You an notify us by telepl Ing 1-8110CDKCOVER
(14 347-2683), or by writing Discover, PO Box 3094% Sal Lake City, UT
841340943. You agree to assist to in determining the fact relating to any
theft or possible unauthorized use of your Account or a Card and to comply
with such procedures as we may require in connection with our
investigation.
Your Credit lies. We will advise you of your Amount credit line. We
impose a lower line that will apply to cash advances, referred to as the cash
advance credit One. We may also impose a louver line that will apply to
balance transfers, referred to as the balance transfer credit One. You agree
not to allow your unpaid balance, including Interest Charges and fees, to
exceed your Account credit line. H you exceed your Amount credit One, we
may request immediate payment of the amount by which you exceed your
Account credit line.
We may increase or decrease your Account credit line, your ash advance
credit line or your balance transfer credit line without notice. The credit
available for your use may, from time to time, be less than your Account
credit line. For purposes of determining your available credit, we reserve
the right to postpone for up to 15 business days reducing your unpaid
balances by the amount of any payment that we receive. Your available
credit will not be increased by the amount of any credit balance.
CHANGES TO THIS AGREEMENT
From time to time, we m?6 to the extent permitted by law, charge any
term of this AOnamnent, khdhrdng, but not BmRad to, any ksterist rate, fee
or hew Uhod d mnputing any balance upon which the interest rate is
asseued, or add or delete any term to this Agmmant We will give you
notim of the d" In the tkne and mnaw requited by 1a1µ which
induces 0days advance written rata In same circumstances N
addition, to ft extant nequrired by kaµ we will offs you the opporbrdty
to rejac a dwrhRe. For law saxprres, with certain WWWOast, that
we offer you the to reject an IrKrem in a late fee or the
eBndnatlon of a Vice period prior to to effective data of the change. N
you sahut a deer in acordam with the insavctiors in the notice
provided stet will dose your Account and you will no longer be able to use
it for hrWw oamu0ons. You can than pay the remaining beilana under
the Mhaot edurm. conWomay *0 rNon wtl?anytermofanyproduct,service
b
required by law or by the terms of the produAccourrL We will ct service benefit. you as
fit.
MAItNIG PAYMENTS
Promise to Pay, You agree to pay us in U.S. dollars for all purchases, cash
advances and balance transfers indudkhg applicable Interest Charges and
other charges or fees, incurred by you or anyone you authorize or permit
.4-
I 7-e
to use your Account or a Card, even if you do not notify us that others are
using your Amount or a Card. N you pay us in other than US. dohm we
may refuse to accept the payment charge your Account our cost to
convert your payment to U.S. dollarL or AN checks must be drawn on funds on
deposit in the U.S. You may not use a ash advance check, balance transfer
check or coupon, or any other promotional check drawn on any Discover
Bads credit card amount to make payments on your Account If your
Account Is a On Account, eadt of you agrees to be liable individually and
joir* for the entire amount coved on your Account We an accept late
paynwnts or parlW paynwsts or dodo and many radars marked
'paymi nt in;i or with any other molcthre endassennaM WNW ksing
any of our rights odor this Agreement.
Monthly 11/ng StatsmenL We will send you a billing statement after each
monthly burg period In which you have a debit or credit balance, unless
we waive our runt to do so as permitted by law. The billing statement will
show the purchases, cash advances, balance transfers, interest Charges and
other charges or fees and the payments or other credits posted to your
Account during the billing period, it will show your New Balance, Payment
Due Date and Minimum Payment Due as of the end of the billing period. If
your prior month% payment is returned unpaid, your required Minimum
Payment Due may be higher than shown on your billing statement. See the
Minimum Monthly Payment section on page 5.
Monthly Payment Options. You may at any time pay the entire New
Balance shown on you billing statement, but each month you must pay at
least the Minimum Payment Due as described in the Minknum Monthly
Payment section. All payments must be made in accordance with the terms
stated on your monthly billing statement, as well as the payment cutoff
time stated in this; section, and we will credit your Account in accordance
with those terms and this section. Payments received in proper form at our
processing facility by SPM local time on any day will be credited as of that
day. Payments received in proper form at our processing facility after 5PM
local time will be credited as of the next day.
Autmmatlc BNkg Arrangemersts. If your Amount number and/or Card
expiration date diarmw and our records indicate you have automatic
b*g established witfi a merchant we will attempt to provide your new
Account kdormation to that merchant To enure uninterrupted billing we
recommend that you verify the merchant has your new Account
information. You must contact the merchant directly if you do not wish to
continue the automatic biting arargerrent.
flow lVe Apply hynwnts We ap?dy payments and credits at our discretion,
including in a mneer most favor- -able or convenient for us. in all cases, we
will apply payments and credits in accordance with applicable lame Each
billing pdiod, to the extent your payments exceed the Minimum Payment
Due shown on you anent billing statement, we will apply these excess
amounts generally in order of the APR applicable to the balance of each
transaction as referenced in the INTEREST CHARGES section),
from highest be6inning with the balance subject to the highest
APR as of the date we credit your payment For promotional balances with
the same APR, we will apply payments to the promotional balance with the
longest remaining duration before promotional balances With shorter
remaining durations.
5-
1/11/11 9:52AM
Minimum Monti y Payment. The Minimum Payment Due for a billing
period will be the greater of.
• the New Balance shown on your billing statement for that billing period
N it a less than $15;
• $15 H the New Balance is $15 or more; or
• any past due amount plus the greater of.
• 2% of the New Balance (excluding current Interest Charges and Late
Fees) rounded up to the nearest dollar or
• current Interest Charges Plus Late Fees plus $15 (not to exceed 3% of
the New Balance) rounded up to the nearest dollar.
We may also include some or all the amount by which you exceed your
Amount credit line. We may subtract certain fees to calculate the Minimum
Payment Due. The Minanum Payment Due will never exceed the New
Balance.
5idp•A4ayrnent Offers. We may from time to time allow you to not make
a Minimum Payment Due and will notify you when this option a available.
If you take advantage of this offer and do not make a Minimum Payment
Due, Interest Charges and any apptic" fees will accrue an your Account
in accordance with this A9reenhent and you must pay the Minimum
Payment Due for the following biking periods.
Credit Balances. We will refund any credit balance within seven business
days from receipt of you written request. N you do not request a refund,
we will automatically refund credit balances greater than $1 that remain in
your Account after 6 months.
Pay y-Phone. We may from time to time allow you to make payments by
authorizing us over the telephone to transfer or pay funds from a deposit
account to your Account We will not charge you a Pay-By-Phone Fee.
KTEREST GIARGES
Haw We Calculate Interest Owges - Daley Balance Method (Indudiog
anent transaNonsk We figure Interest Charges for each biking period. To
do this:
• We calculate you Interest Charges separately for each balance subject to
different terns (for example, standard purchases, standard cash advances
and each purclu se, balance transfer and ash advance balance subject to
promotional terms). We refer to these balances as transaction categories
• We figure the 'daily balance' for each transaction To get the
'daily balance' we take the beginning balance for eachadd any new
transactions and fees and any Interest Charges aeoued on the previous
day's daily balance. We then subtract any credits and payments and make
other a4ust ments fndudirhg those adjAtirmts required in the section
ttkd Paying Interest). In aladatng the daily balance fo the first day of
the billing period we consider the previous day s daffy balance' to crave
been yon balance on the last day of your previcas billing period. This
gives us the dally balance for each tr
ansaction category
• We figure the Interest Charges on your Account by multiplying the dail?yy
balance for each transaction category by its daily periodic rate fo eahfh
day in the bang period.
• The total Interest Charges for the billing period are the sum of the daily
Interest Charges for each transaction category for each day during that
biking period.
-6-
When we calculate daily balances, we add a new transaction as of the
Transaction Date shown on your biking statement, unless the trarsactim is
posted to your Account after the dose of the biMirg period in which it
occurs, in which case the transaction will be added to the daily balance as
of the fast day of the billing period in which it a posted to your Account
AN fees charged to your Account are added to the standard! purchase
transaction category with the exception of Cash Advance Fees which are
added to the applic" cash advance transaction category and Balance
Transfer Fees which are added to the applicable balance transfer transaction
tategoryc
Balms Suhjactto Interest Rate. Your statement shows a Balance Subject to
Interest Rate. R shows this for each transaction category. The Balance
Subject to interest Rate shown on your statement a the average of the dad
balances during the billing period.
Payag I I -st ft begin to impose Interest Charges on all transactions
and fees from the Transaction Date shown on your biking statement for the
trarsaction or fee. However, if a transaction or fee is posted to your
Account after the dose of the billing period in which it occurs, we begin to
impose Interest Charges on that transaction or fee from the first day of the
bperiod in which it is posted to you Account. We begin to impose
Interest Charges an Merest Charges from the date they are added to you
Account We continue to impose Merest Charges on all transactions, fees
and Interest Charges until you pay the total amourt you owe us. Your due
date will be at least 25 days after the dose of each biking period except that
it will be at least 23 days after the dose of each bMrg period that begins
in February. N you paid the New Balance on you previous biking statement
by the Payment Due Date shown on that billing statement, we will not
impose Interest Charges on new purchases, that a purchases first appearing
on the current billing statement, or any portion of a new purchase, paid by
the Payment Due Date on your current biking statement. We call this the
'grace period.' There is no grace period on balance transfers or cash
advances. As more fully described in the section tided 'How We Apply
Payments,' we apply payments in a manner most favorable or convenient
for us arid, to the agent yo r paymerts exceed the Minimum Payment Due
shorn on your current biking statement, we will apply such excess amounts
generally in order of the APR applicable to the balance of each transaction
category (as referenced in the WREST CHARGES section), from highest to
lowest, begaminng with the balance subject to the highest APR as of the
date we credit your payment. This means that If you do not your
balance in full each month, then, depending on the balance to which we
allocate your payment you may not be able to get a grace period on new
purchases,
AMW Parentage Rates. The dally periodic rate and corresponding APR
that apply to each transaction category are set forth in your Pricing
Schedule. The dally periodic rate a 1/365th of the corresponding APR.
lhriabh l -- - tortes One or more dally periodic rates and corresponding
APRs that apply to a transaction category may be variable rates as set forth
in )= Pricing Schedule or in any special offers you receive from us
Vari" APRs are determined by adding a specified number of percentage
points to the Prime Rate. This a shown on the Pricing Schedule as 'Prime +
(percentage points).' For purposes of this Agreement, the Prime Rate is the
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111DCMD_02BOK_TL23H0211_00063.indd 9-10 1/11/11 9:52AM
highest rate of interest listed as the 'prime rate' in the Money Rates
section of The WsN Street Journal on the last business day of the month.
The Prime Rate is merely a pricing index and does not represent the lowest
or best interest rate available to a borrower at any bank at any given time.
If you have a variable rate, your APR will increase or decrease when the
Prime Rate changes This dwige will be effective beginning with the first
day of the billing period that begins during the same takrhdar month as the
change in the Prime Rate. An Increase in the APR may increase your
Minimum Payment Due.
Penalty APR Each time the you do not make the Minimum Payment Due
by the Payment Due Date we may, in accordance with applicable law.
() terminate the availability of any promotional APRs on new purchases
and balance tranderfi and
(iii) increase your APRs for new purdwses and balance transfers to variable
Each new variable Penalty APR for a new purchase or balance transfer is
determined adding up to 5 additional percentage points to the
otherwise applicable APR and Will vary based on any changes in the Rime
Rate. (For example if the promotional Purchase rate was 2.99% and the
rate for other purchases was 15.99% andyou paid late once, the rate for all
new purchases could Increase up to 20.99% variable and vary thereafter
with the Prime Rate.) When we first determine the variable Penalty APRs,
we use the Prime Rate effective for the billing period in which you pay late.
The variable Penalty APRs are determined in accordance with the Variable
Interest Ratessedm We will base your Penalty APR on your creditworthiness
and other factors such as your current APRs and your Account history. If we
increase any of your APRs to a Penalty APR, we will send you a notice, in
accordance with applicable law, advising of n to date the new Penalty
APR will apply (the 'Penalty APR Effective Date') and II) the new purchases
and balance transfers to which it will be applied (note: the new Penalty APR
will not apply to any other transactions). New purchases and balance
transfers are those purchases and balance transfers which either 0 have a
Transaction Date, as shown on your billing statement, of more than
fourteen days after we mail or deliver the notice to you, or () were posted
to your Account after the current Penalty APR Effective Date. Your Account
will not be subject to a Penalty APR for the first twelve billing period, after
your Account Is first opened.
If your APR for purchases or balance transfers was increased to a Penalty
APR, we wig, to the extent required by applicable lave periodically review
your Amount to
APRs on determine if any of those APRs should be reduced. Any new and existing balances may be different and may be
higher than your previous standard APRs for purdroses and/or balance
transfers or any promotional rate.
FEES
Cash Advance Fee. Unless otherwise specified in a cash advance offer, we
will Schedule. you a Cash ofAttvarsee Fee In the amount radiated an your Pricing
decor. regardless of the cash advances, including the use of Discover Card
Purpose for which used, are subject to a Cash
Advance Fee.
Balance 7WuW Fee. Unless otherwise specified in a balance transfer offer,
we will charge you a Balance Transfer Fee of 5% of the amount of each new
-B-
balance transfer with a minimum Balance Transfer Fee of $10 and no
Foreign Cwmq Fee. We will charge you a Foreign Currency Fee of 2% of
the US dollar amount of each purchase made in a foreign currency.
Mtnknum Ykenst ChwgL Vft will charge you a minimum Interest Charge
of 330 for my billing period in which Interest Charges of less than $.50
would otherwise be imposed.
Annual Fa. If your Pricing Schedule accompanying your Card includes an
Annual Fee, we will charge you an Annual Fee in the amowrt indicated. Vk
will ewge you this fee when we open your Account and at the beginning
of each anrrversay year your Account is open. The Annual Fee is not
mfundade, except as provided by law.
late FaL We will charge you mate Fee if you have failed, as of the Payment
Due Date, to make the WmInium Payment Due that was required to be paid
for det billing period. The amount of the Late Fee is 325, except the
amount of any subsequent Late Fee assessed during the next six billing
periods after a Late Fee is assessed is $35. The Late Fee will never exceed the
Mirwnum Payment Due that was due invnediately prior to the date on
which the Late Fee was assessed and will never exceed the amount
permitted by law.
Returned Payrrurt Fa. We will charge you a Returned Payment Fee ary
time you pay or with a check or other instrunenht that is returned unpaid.
This fee will also f a debit transaction to a deposit account from
which you have zed us in writing, eketronkally or orate to deduct
all or a pat of an amount you owe to under this Agreement is returned
unpaid. We will dwge you this fee the first time any payment is returned
unpaid, even if it B paid upon resubmission. The amount of the fee is $25,
except the anohast of any subsecimt Returned Payment Fee assessed
during the next six billing periods after a Returned Payment Fee is assessed
is W. The Returned Payment Fee will never exceed the Minimum Payment
Due that was die immediately prior to the date on which the payment was
returned to us and will never exceed the amount permitted by law.
Returned Dbwwr card cluck FeL We will charge you a Returned Discover
Card Check Fee each time we decline to honor a Discover Card cash advance
check, balance transfer check promotional Purchase deck, or other
promotional check. The amount of the fee B 325, except the amount of any
subsequent Returned Discover Card Check Fee assessed during the next six
Willing periods after a Returned Discover Card Check Fee is assessed is $35.
The Returned Discover Card deck Fee will never exceed the amount of the
duck and will now exceed the amount permitted by law.
Research Fear We may charge you a Research Fee of $5 for each copy of a
billing statement or sales Apthat you request. However, we will not dwrge
a fee if you request copies in connection with a billing error.
DEFAULT AND CANCELLATION
Types of We& You are in default if you become insolvent; if you file
a bankruptcy petition or have one filed against you; if we have a
reasonable belief that you are unable or unwilling to repay your
obligators to in; it you are declared incompetent by a court or if a court
appoints a guardian for you or a conservator for your assets;, if you die;
if you fail to comply with the terms of this Agreement, including failing
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11DCMO_02BOK_TL23H9211_00o93.indd 11.12 1/11/11 9:52AM
to make a required payment when due, exceeding your Account credit
line or using your Card or Account for a Prohibited transaction; or if you
fail to make a required payment when due on any other account you
have with us.
Consequences of Default 0 you are in default, we may declare the
entire balance of your Account immediately due and payable without
notice. If we refer the collection of your Account to an attorney or
employ an attorney to represent us with regard to recovery of money
that you owe us, we may charge you reasonable attorneys' fees and
court or other collection costs as permitted by law and as actually
incurred by us, including fees and costs in connection with any appeal.
We may delay enforcing or not enforce any of our rights under this
Agreement without losing or waiving any of them.
Cancellation. You may cancel your Account by notifying us in writing or
by telephone and returning or destroying every Card and unused check
that we have provided you. You can notify us by telephoning
1401),DISCOVER (1.800.347-2683), or by writing Discover, PO Box 30943,
Salt Lake City, UT 84130-M3. Of course, you will still be responsible to
pay any amount you owe ur according to the terms of this Agreement.
If your Account is a joint Account, either Cardmember may cancel the
Account, but you will both remain responsible to pay any amount owed
to us according to the terns of this Agreement. We may cancel or
suspend your Accent at any time without notice. We may choose not to
renew your Amount (beyond the expiration date shown on the face of a
Card) without notice. You must return any Card or unused checks to us
upon request.
PRIVACY AND Out COMMUNICATIONS WITH YOU
Our Privacy PoIcK We may from time to time review your credit
employment and income records. We respect the privacy of information
about you and your Account. Our Privacy Policy includes a summary of
the personal information we collect, when it may be shared with others,
how we safeguard the confidentiality and security of information and
the steps you may take to limit our sharing of such information with
others. Please read it carefully as it is part of your Cardmember
Agreement.
Reporting to Credit Reporting Agencies. As indicated in our Privacy
Polit) we may report to credit reporting agencies and other creditors
the status ar payment history of your Account, including negative
credit information. Late payments, missed payments or other defaults on
your Account may be reflected in your credit report. We normally report
to such credit reporting agencies each month. H you believe that our
report of your Aaount status is inaccurate or incomplete, please write us
at the following address: Discover, PO Box 15316, Wilmington, DE 19854
5316. Please include your name, address, home telephone number and
Account number.
Our Communications with You. You agree that our personnel may listen
to or record telephone calls between you and our representatives
without additional notice to you, including but not limited to calls we
make to collect debts. We may use any medium permitted by law,
including but not limited to mail, live telephone calls, automated
telephone equipment prerecorded telephone calls, e-mail, text messages
-10-
I 13-14
and calls to your cell phone to contact you about your Account or to
offer you products or services that may be of value to you. H you prefer
not to be contacted in one or more of these ways, you must either
telephone us at 1404 MMYER (1.800-347-2683) or write to us at
Discover, PO Box 30961, Salt Lake City, UT 84130-0961.
Releasing hdoaeationn About Your Account We provide various methods
by which you can obtain information about your Account. We will only
release such information to you, any Authorized Use that our records
indicate is an authorized buyer on your Account, and any other person with
your prior permission, in adtRtion to as provided in our Privacy Polley or as
required by laic Our security measures cannot insure against unauthorized
inqukies. You agree that we will not be responsible for the release of
information to anyone who, even if without your authorkation or
permission. has pined possession of a Card or has learned other identifying
characteristics about you such as your personal identification number,
Account narnber or social security number.
Neetradc Nolias to You. We may offer you the opportunity to receive
certain notices from us eklctronK* rather than through the mail,
including monthly bulling statements and chhanle of terms notices. The
terms and conditions for receiving these electronic communications will be
described in the offer.
Nodes - Changan to Yaw bdannisdon. I you change your e-mail address,
mailing address or telephone number you must notify in of your new
address or telephone number within 15 days. You can notify us by
telephoning 1-IOO.DEODM (14804347-2683) or by writing Discover, PO
Box 30943, Salt Lake City, Lit 84130-0943. If your Account is a joint Account,
arty notice we mail to an address you have provided for the Account will
serve as notice to both Cardmembers.
CLAIMS AND DISPUHS
Merchant Disputes. We are not responsible for the refusal of anyone to
accept or honor a Card or to accept checks that we have provided you. H a
merchant fails to provide your purdmase to your satisfaction and you
request a credit to your Account, we will investigate the dispute. H we
resolve the dispute in your favor, we will issue a credit to your Account and
you will be deemed to have assigned to us your claim against the merchant
and/or any third party for the credited amount Upon our request you
agree to provide us with written evidence of such assignment.
Claim Notices. In the event that you or we have a claim that arises from or
relates to you Amount any prior account you had with us, your
application, the relationships which result from your Account or the
enforceability of the Agreement or any prior agreement, before initiating,
joinng or participating in any judicial or arbitration proceeding, as either
an ividuai litigant or member of a class ("Proceeding'), the complaining
party shall give the other party (1) a written notice of the claim ('Claim
Notice'), at least 15 days before initiating any Proceeding, explaining in
reasonable detail the nature of the claim and any supporting facts; arnd (2)
a reasonable good faith opportunity to resolve the claim without the
necessity a
Proceeding. This includes any claims involving our parent
corporation. subsidiaries, affiliates (including, without limitation, Df5
Services LLa predecessors, successors, assigns, as well as the officers,
directors and employees of each of these entities. Any Claim Notice shall be
-11-
1/11111 9:52AM I
sent to us at Discover, PO Box 3024, New Albany, OH 43054 (or such other
address as we shall subsequently provide to you) (the `Claim Notice
Address') or to you at your address appearing in our records or, if you are
represented by counsel, to your attorney at your attorneys office.
Arbitration of Dispute. Agreement to arbitrate. In the event of any past,
present or future claim or dispute (whether based upon contract, tort,
statute, common law or equity) between you and us arising from or
relating to your Account, arty prior amount you have had with us, your
application, the relationships which result from your Account or the
enforceability or scope of this arbitration provision, of the Agreement or of
any prior agreement, you or we may elect to resolve the claim or dispute by
binding arbitration. IF EITHER YOU OR WE ELECT ARBI RATION, NEITHER
YOU NOR WE SHALL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT
OR TO HAVE A JURY TRIAL ON THAT CLAIM. PRE-HEARING DISCOVERY
RIGHTS AND POST-HEARING APPEAL RIGHTS W LL BE LIMITED. NEITHER
YOU NOR WE SHALL BE ENTITLED TO JOIN OR CONSOLIDATE CLAW IN
ARBITRATION BY OR AGAINST OTHER CARD MEMBERS WITH RESPECT TO
OTHER ACCOUNTS, OR LITIGATE IN COURT OR ARBITRATE ANY CLAIMS AS
A REPRESENTATIVE OR MEMBER OF A CLASS OR IN A PRIVATE ATTORNEY
GENERAL CAPACITY ('Class Action Waiver').
Notwithstanding anything else to the contrary in this arbitration provision,
on a court, and not an arbitrator, shall determine the validity and effect
oft he Class Action Waiver. Even if all parties have opted to litigate a claim
in court, you or we may elect arbitration with respect to any claim made
by a new party or any new claims later asserted in that lawPX and
nothing undertaken therein shall constitute a waiver of any rights under
this arbitration provision. We will not invoke our right to arbitrate an
individual claim you bring In small claims court or your state's equivalent
court, if any, unless such action is transferred, removed or appealed to a
different court
Governing Law and Ruks. Your Account involves interstate commerce and
this provision shah be governed by the Federal Arbitration Act (FAA). The
arbitration shall be conducted, at the option of whoever files the
arbitration claim, by either the American Arbitration Association (AAA) or
JAMS in accordance with their procedures in effect when the claim is filed.
For a copy of their procedures, to file a claim or for other information,
contact AAA at 335 Madison Ave., Floor 10, New York, NY 10017.5905,
wwwcadrorg (phone 14K&778-7879) or JAMS at 620 Eighth Ave., Floor
34, New York, NY 10018, www.jamsadreom (phone 1-800.352-5267). No
other arbitration forum will be permitted, except as agreed to pursuant to
either the Changes to this Agreement section or a writing signed by both
partes. If neither AAA nor JAMS h able or willing to serve as the
arbitration administrator and we and you are unable to agree on a
replacement administrator or arbitrator, then a court of competent
jurisilktion win appoint an administrator or arbitrator or arbitrators (n
the case of an appeal to a panel of three arbitrator as described below).
Unless consented to by all parties, no arbitration may be administered by
any administrator or arbitrated by any arbitrator that has any formal or
informal po ft rule or procedure that 6 inconsistent with or purports to
override the terms of this section. If we elect to resolve a claim or dispute
by binding arbitration and the arbitrator issues an award in your favor on
a claim or claims with respect to which you would not otherwise be
12-
I 15-18
entitled to recover your arbitration filing, administrative and hearing fees,
reasonable attorneys' fees and/or other arbitration costs, we will be
responsible for paying or reimbursing such costs and fees if awarded by
the arbitrator.
Fees and Costs. At your written request, we will advance any arbitration
filing, administrative and hearing fees which you would be required to
pay to pursue a claim or dispute as a result of our electing to arbitrate that
claim or dispute. Send requests to Discover, PO Box 30421, Salt Lake City,
UT 84130-21. The arbitrator will decide who will ultimately be
responsible for paying those fees. You will only be responsible for or reimbursing our arbitration filing, administrative or hearing fees tothee
extent you would have been responsible for paying 'attorneys' fees and
court or other collection costs' had the action proceeded in court. In no
event will you be required to pay any fees or costs incurred by us in
connection with an arbitration proceeding where such a payment or
reimbursement a prohibited by applicable law.
Hearings and Decisions. Any arbitration hearing will take place in the
federal judicial d'istr'ict where you reside. The arbitrator shall follow
appy substantive law to the extent consistent with the FAA and
appnable statutes of limitations and shall hear claims of privilege
recognized at law and shall be authorized to award an remedies
permitted by the substantive laws that would apply 0 the action were
pen" in court. If requested by any party, the arbitrator shall write an
opinion corstaknin? the reasons for the award. The adwatof decision
will be final and binding except for any appeal riots under the FAA and
except that N the amount in controversy exceeds $100,000, any party may
appeal the award within 30 clays to a three-arbitrator panel which shall
review the award de rwum Unless applicable law provides otherwise, the
appealing party will pay the cost of the appeal, regardless of its outcome.
However, we will consider in good faith any reasonable request for us to
bear the fees charged by the arbitration administrator and the arbitrators
in connection with the appeal. Judgment upon arty award by the
arbitrator may be enforced in any court having jurisdiction.
Other Beneficiaries of flris Provision. Our rights and obligations under this
arbitration provision shall Inure to the benefit of and be binding upon our
parent corporations, subsidiaries, affiliates fnduding, without limitation,
DFS Services LLQ, eclecessors, successors, assigns, as well as the officer,
d(rectors and em of each of these entities, and will also inure to
the benefit of any ird parry named as a co-defendant with us or with
any of the foregoing in a claim which 6 subject to this arbitration
provision. Your rights and obligations under this arbitration provision shall
inure to the benefit of and be binding upon all persons contractually
liable under this Agreement and all Authorized User of the Account.
Survival of this Provision. This arbitration provision shall survive
termination of your Account as well as voluntary payment in full by you,
any legal proceedings by us to coned a debt owed by you, any bankruptcy
by you arid any sale by us of your Account.
Right to Reject ArMtratom You reject the Arbitration of Disputes
settler ly providkg us a notice ofinentions within 30 days after receiving
a Card, at the taAovvimg address: Discover, PO Box 30938, Salt Lake City,
UT 841300938. N you were previously subject to arbitration with respect
-13-
1/11/11 9:52AM I
to any account with us, this right to reject arbitration will not apply to you.
Your rejection notice must' de your name, address, telephone number,
Account number and signature and must not be sent with any other
correspondence. Calling us to indicate that you reject the Arbitration of
Disputes section or sending a rejection notice in a manner or format that
does not comply with all applicable requirements is insuffident notice. In
order to process your notice, we require that the notice be provided by
you directly and not through a third partyo Rejection of arbitration will not
affect your other rights or responsibilities under this Agreement or your
obligation to arbitrate disputes under any other account as to which you
and we have agreed to arbitrate disputes. If you do not send a rejection
notice, you will be obligated by the Arbitration of Disputes section with
respect to this and any prior account you have had with us, even if you
have previously sent a rejection notice with respect to that prior account.
LEGAL MMMTA71ON OF THIS AGREEMENT
Severabilty. If any part of this Agreement becomes unenforceable, it will
not make arty other part unenforceable, except that " ri the pass Action
Weiver set forth above in the Arbitration of Disputes section is invalidated
in any proceeding in which you and we are involved, then the Arbitration
of Disputes section will be wad with respect to that proceeding.
Compliance with lrrterenlt Rate Limitations. We intend that this Agreement
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
than the maximum amount permitted by law. If it is ever finally
determined that but for this section, the Interest Charge or other charges
under this Agreement would exceed the maximum lawful amount the
Interest Chages and other charges will be reduced to the maximum
lawful amourrL Any wens amount that you have already paid wig be used
to reduce the mist" balance of you Account or will be refunded to
you by mean
Law This AgreerAM arid s of a died in our discretion, an erngg out of
this Agmnrmt will be gum n ed by rppgrable fecleirail bw and, to the
extent state law aNIM Delmore bnw.
ASSIGNMENT OF Accom
We may sell, assign or transfer your Account or any portion thereof
without notke to you You may not sell, assign or transfer your Amount
without first obtaining our prior written consent
Your Ma Wt.,
KM Thor Qmwt For Riture
Use
This notice Wh you about your rights and our responsibiNdes under the
Fair Credit Riling Act
What To Do 9 You hind A 116take On YorStaerment
0 you think there is an error on you statement write to us at:
Discover
Po Box 30421
Salt Lake City, LIT 84130-0421.
-14-
In your letter, give us the following information:
• Account information : Your name and account number.
• DOAK aMGiIDt The dollar amount of the suspected error.
• : 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 b wrong.
You mutt notify us of any potential errors in You may call us, but ff
you do we are riot required to investigate any potential errors and you may
have to pay the amount in question.
What W1N rtarsaan Afaar Wfe IPe m tku?Letter
When we receive your katter, we must do two things;
1. Within 3D days of your letter, we must tell you that we received
your letter. We wit ?o tell you if we have already corrected the error.
2. Within 90 days of you letter, we must either correct the error
or explain to you whyfeve the bill is correct.
White we investigate whatlher or not there has been an error:
• We cannot try to collect the amount in question, or report you as
degrnquerit 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 balane.
• We can apply any unpaid amount against your credit limit
After we finish our Investigation, one of two things will happen:
• If we made a r ore: You WIN not have to pay the amount in question or
any interest or other fees related to that amount
• ff We do not kdko there has a mistake: You will have to pay the amount
in question, alorng with applicable interest and fees. We will send you a
statement of the amount you owe and the date payment 6 due. We may
then report you as delinquent R you do not pay the amount we think you
owe.
If you receive our explanation but still believe your bill is you must
write to us within 10 dos telling us that you so, refuse to pays N you do so,
we cannot report you as delinquent without also reporting that you are
questioning your bill. We must tell you the name of anyone to whom we
reported you as delinquent, and we must let those organizations know
when the matte has been settled between uL
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 Aioltts N You Are Duatsfied NM Yb r Cmd 1t OM A?es
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 cored the
problem with the merchant you may have the right not to pay the
remaining amount due on the purchase.
is-
11DCMD_02BDK_TL23HO211_00093.indd 17-18 1/11/11 9:52 AM
To use this right, all of the following must be true:
1. The purchase must have been made in you home state or within 100
miles of you current mating address, and the purchase price must have
been more than $50. (Note: Neither of these are necessary if you
purchase was based on an advertisement we mailed to you, or H 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 yyl(Dg at
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, R we think you owe an amount and you do not pay,
we may report you as delinquent
DESCIWTION OF COVERAGE
SCHEDULED AR TRAVEL ACCRIENT WSURANCE
Discover* Cardmembers are provided with =500,000 Scheduled Air Travel
Accident Insurance.' You, your Spouse, Domestic Partner or eligible
Dependent Children for whom a ticket was purchased on your Card (as
defined below) will be automatically insured against Accidental Lou of
Life arising from and occurring on a Covered Trip while you, your Spouse,
Domestic Partner or eligible Dependent Children for whom a ticket was
purchased on our Card are riding as a passenger in or entering, exiting
or being struck by a Scheduled Aircraft or a conveyance operated by a
military transport service or riding as a ger in or entering or
exiting any conveyance licensed to carry the public for a fee and while
traveling directly to or from the airport immediately preceding the
departure of a Scheduled Aircraft on which the Insured Person has
purchased passage and immediately following the arrival of a Schedule
Aircraft on which the Insured Person was a passenger.
'Coverage is underwritten by Federal Insurance Company, a member
insurer of the Chubb Group of Insurance Companies. Certain limitations
and exclusion apply.
PLAN FEATURES
THE BENEFITS: The full Benefit Amount ($500,000) is payable for
Accidental Loss of Life. The Lou must occur within one year of the
Accident.
MAMUM MIT OF INSURANCE: If more than one Insured Person
suffers a loss in the same Accident, the Company will not pay more than
the maximum limit of insurance ($20,000,000) per Accident. if an
Accident results in Benefit Amounts becoming payable, which when
totaled, exceed the applicable limit of insurance shown above, the
-16-
maximum limit of insurance will be divided proportionally among the
Insured Persons, based on each applicable Benefit Amount In the event
of multiple Accidental deaths per Account arising from any one
Accident, the Company's liability for all such losses will be limited to a
maximum limit of insurance equal to two times the applicable Benefit
Amount for Loa of Life. Benefits will be voportionately divided among
the Insured Persons up to the maximum limit of insurance.
DEFMITIONS.
Accident or AWAmW means a sudden, unforeseen and unexpected
event happening by chance, and includes unavoidable exposure to
elements arising from a covered Hazard.
means bodily injury which is Accidental, is
the dhect source o a loss, is independent of disease, illness or other
cause and occurs while this policy is in force.
means a Card account.
BKWM means the Loss amount at the time the entire cost of the
passenger fare is charged to an Account
CW means the Discover Card.
means the holder of the Card whose name appears on the
credit card.
C means the Federal Insurance Company.
SNIys?Tdl! means travel on a Scheduled Aircraft when the entire cost
of the passenger fare for such transportation, less redeemable
certificates, vouchers or coupons, has been charged to the Insured
Persons Accou(ntt_?
L tIB n eaands t hoosea children, including adopted
dependent upon the Insured Person for maintenance who primarily
pport and
who are: (1) under the age of 19 and reside with the Insured Person; (2)
beyond the age of 19, permanently mentally or physicaby challenged
and incapable of self support; or (3) under the age of 25 and classified as
full-time students at an institution of higher leamirg.
Domestic ( means a person who: (1) is at least 18 years of age and
competent to enter into a contract; (2) is not related to the Insured
Person by blood; (3) has exclusively lived with the Insured Person for at
least one year prior to the date of enrollment; (4) is not legacy married
or separated; and (5) as of the date of enrollment, has with the Insured
Person at east two of the following financial arrangements: (a) a joint
mortgage or lease; (b) a joint bank account; (c) joint title to or ownership
of a motor vehicle or status as a joint lessee on a motor vehicle lease; or
(d) a joint credit card account with a financial institution. Neither the
Insured Person nor the Domestic Partner can be married to, nor in a civil
union with, anyone else.
Hvi d means the covered circumstances for which this insurance is
provided as stated in Section III of the Declarations, Hazards, and
described in the Hazards form, as described on page 1 of this Description
of Coverage.
)old Pow means all Cardmembers, their spouses, Domestic Partners
and Dependent Children, as well as authorized users of the Account.
17-
11DCM0_02BOK_TL23H0211 00093.indd 19.20 1/11/11 9:52AM
LM means the Lass of Life.
LOU Of means death, including clinical death determined by the
local governing medical authorities.
means DFS Services LLC, the entity responsible for the
payment of premium.
means an aircraft owned and/or operated by a
Scheduled Airline.
Schodulled means an airline which is either of United States
registry and certified by the United States government to carry
passengers on a regularly scheduled basis or of foreign register and
approved by the United States government and the appropriate foreign
authority.
WIN means hostilities following a declaration of War by a government
authority. H there is no declaration of ft then (1) armed, open and
continuous hostilities between two countries or (2) armed, open and
continuous hostilities between two factions, each in control of territory,
or claiming jurisdiction over the site of the area of hostility.
DISAPPEARANCE BENEFITS: If the Insured Person has not been found
within one year of the disappearance, stranding, sinking, wrecking or
breakdown of any Scheduled Aircraft or conveyance in which the
Insured Person was covered as an occupant it will be assumed, subject to
all other terms of the policy, y that the Insured Person has suffered Loss of
Life covered under this poky.
EXPOSURE BENEFITS: Accident includes unavoidable exposure to
elements arising from a covered Hazard.
EUMBILITY: This insurance plan is provided to Insured Persons
automatically when the entire cost of the passenger fare(s) on a
Scheduled Airline Is charged to the Cardmember's Account while the
insurance is effective. It is not necessary for you to notify the Policyholder
or the Company when Scheduled Airline tickets are purchased.
EFFECTIVE DATES: Your insurance under this insurance plan is effective
on the later of 1) April 1, 2087; or 2) the date you become an eligible
Cardmember. You insurance coverage under this insurance plan will
cease on the earlier of (1) the date the insurance coverage is terminated;
or (2) the date you cease to be an eligible Cardmember.
COST. This insurance plan 6 provided at no additional cost to eligible
Insured Persons for Covered Trips. Policyholder pays the full cost of the
insurance.
THE BENEFICIARY: The Loss of Life benefit will be paid to the beneficiary
des%m by you. If no such designation has been made, that benefit
will paid to the first surviving beneficiary in the following order: a)
you spouse; b) your children 0 your parents d) your brothers and sisters,
e? your estate. AN other indemnities will be paid to you. If you wish to
change you beneficiary, you may request a beneficiary designation form
by writing to the plan administrator at: The Direct Marketing Group,
Inc., 13265 Bedford Avenue, Omaha, NE 68164 or at Beneficiaryrequest0
TheDirectMG.com.
EXCLUSIONS: This insurance plan does not hover Loss resulting from: (1)
an Accident occurring while an Insured Person is in, enteringg, or exiting
any aircraft owned, leased or operated by this Policyhu>Ider or any
_18-
aircraft owned, leased or operated by an employee of the Policyholder
on behalf of the PoNcyhoWa (tlxsiss exclusion does not apply to aircraft
chartered with pilot or crew on one time charter basis), (2) an accident
while an Insured Person is in, entering, or exiting any aircraft while
acting or training as a pilot or crew member (this exclusion does not
apply to passengers who ternporarBy perform pilot or crew functions in
a We threatening emergency); (3) emotional trauma, mental or physical
1111riess, disease, prcgnancly childbirth or miscarriage, bacterial or viral
infection, or bodily malfunctions (except bacterial infection caused by an
Accident or from Accidental consumption of a substance contaminated
by bacteria); (4) suicide, attempted suicide or Loss that is intentionally
self-inflicted; or (5) declared or undeclared War.
CLAN I NOME: Written claim notice must be given to the Company
within 90 days after the occurrence of any Loss covered by this policy or
as soon as reason" possible. Failure to give notice within 90 days will
not invalklate or reduce any otherwise valid claim if notice is given as
soon as reasonably possible.
CLAN FORMS: When the Company receives notice of a claim, the
Company will send you forms for giving proof of Loss to us within 15
days. if you do not receive the forms, you should send the Company a
written description of the Loss.
CLAIM PROOF OF LOSS: Complete proof of Loss must be given to
Company within 90 days after the date of Loss, or as soon as reasonably
possible. Failure to give complete proof of Loss within these time frames
will not invalidate any otherwise valid claim if notice is given as soon as
reasonably possible and in no event later than one year after the
deadline to submit complete proof of Loss.
CLAIM PAYMENT. The Company will pay you or your beneficiary the
applicable Benefit Amount within 60 days after complete proof of Loss
is received and if you, the Policyholder and/or the beneficiary have
compiled with all the terms of the policy.
ARBITRATION: In the event of a dispute under this policy, either the
Company or the Insured Pow may make a written demand for
arbitration. In that case, the Company and the Insured Person 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 Person 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 Pawn's principal residence.
IF YOU HAVE ANY CLAIM RELATED QUESTIONS, PLEASE CALL THE
CLAIMS SERVICE CENTER AT 14*CLA MM (1-807524670).
You can also go to the Company Web site (www.chubb.com), dick on
Report a Loss, select Accident, Benefit and Life claims, select the
appropriate form, print out the claim form, fill out and mail. You can file
a claim by mail or fax.
Maing Address: CHCLAIMUBBSGRR INSURANCE COMPANIES
SERVICE 600 INDEPENDENCE PARKWAY
PO BOX 4700
CHESAPEAKE, VA 233274700
Fax Number: 14800-3042538
-19-
11DCM0_02B0K_TL23H0211_000e9.kW 21.22 1/11/11 9:52AM
As a handy reference guide, please read this and keep it in a safe place with
your other insurance documents. This description of coverage 6 not a
contract of insurance but 8 a sunup of the principal provisions of the
insurance while in effect Complete policy provisions are contained in the
Master PoRclt which an be obtained from the Policyholder:
Policy #9906-IM
Underwritten By Plan Administrator
Federa Insurance Company The Direct Marketing Group, Inc
a member insurer of the 13265 Bedford Avenue
Chubb Group of Insurance Companies Omaha, NE 68164
15 Mountain View Road, PO Box 1615
Warren, NJ 07061-1651
DESCRWWN OF COVERAGE
SECONDARY RENTAL CAR COLLISION COVERAGE
Discovers Cardmembers can benefit from the security and safety offered
through Excess Collision Waiver. N you rent a vehicle for 31
consecutive days or less (o? 45 under certain circumstances described
below) with your Card (as deft below), you may be eligible for benefits
under this coverage. Excess Collision Damage Waiver 6 an Insurance
program, underwritten by Federal Insurance Company Policy #9906-17-63
We "Policy')
DEFINITIONS-
means t a Card account.
Actual Cady Value means the cost to repair or replace the Rented
Automobile at the time of loss, less depreciation.
credit ord. means the holder of the Card whose name appears on the
Sid means the Discover Card.
means the direct and accidental damage to a Rented
Automobile awed by upset or collision with another object. Collision
Damage does not include loss caused by missiles, falling objects, fire, theft
or larcergt explosion, earthquake, windstorm, hail, water, flood, malicious
mischief or vandalism, riot or civil commotion.
SRI( means the Federal Insurance Company.
land means Cardmembers and authorized users of the Account
means DFS Services LLC, the entity responsible for the payment
of premium.
Rental Aanmcv means a commercial automobile rental company licensed
under the laws of the applicable jurisdiction.
Rented means a four-wheeled private passenger type motor
vehicle or a minivan manufactured and designed to transport a maximum
of seven passengers and used excursively to carry passengers. A Rented
Automobile must be designed for travel on pudic roads and rented from
Rental Agency.
TO GET COVERAGE:
• The Collision Damage Waiver C 6 provided to you, as an Insured,
automatically when the entire rental fee for the Rented Automobile is
-20-
charged or debited to your Account it is not necessary for you to notify
the Company at the time the rental fee is charged or debited to your
Account.
• You must decline the LosslDamage Waiver offered by the vehicle Rental
Agency,
• You must rent the vehicle in your own name and sign the vehicle rental
agreemenikontract.
• The coverage period will not exceed 31 consecutive days, or 45
consecutive days if the Insured is an employee of an organization which
has provided a Card to the Insured for business use.
THE RIND OF COVERAGE YOU RECENE
In consideration of the premium paid by the Pokookfer as required, and
subject to all the terms of the Po ft the company agrees to reimburse on
an Actual Cadet Value basis either the Insured or the Rental Awncy for
repair or replacement of the Rented Automobile as a result of Collision
Damage to the Rented Automobile. The
maximum reimbursement of $25,000. In no event will v lthe iability Company Co pa e
liable beyond the amounts actually paid by the insured or the Rental
Agency.
• If you or an Insured's primary vehicle insurance or other coverage has
made payments for a covered loss, Excess Collision Damage Waiver will
cover your deductible and any other eligible amounts not covered by
other insurarKe.
• This coverage is riot all-inclusive, which means it does not cover such
things as personal injury or personal liability, it does not cover you for any
damages to other vehicles or property. it does not cover you for any injury
to any party.
WHO 15 COVERED:
• Discover Cardmembers
EXCLUDED RENTAL VEHICLES:
Off-road, antique or limited edition motor vehicles; trucks; recreational
vehicles, campers, pickup trucks, and mini-bees; limited edition motor
vehicles or high value, exotic, high performance or collector type. High
value motor vehkks are motor vehicles whose replacement value exceeds
$50,000, and antique motor vehicles are defined as any vehicle over 25 years
old, or carry vehicle which has not been manufactured for 10 years or more.
WHERE YOU ARE COVERED:
• Coverage applies to vehicles rented anywhere in the world.
• Coverage is not available where prohibited by law.
WHAT IS NOT COVERED:
Coverage does not apply to loss resulting from the following:
• Any dishonest, fraudulent or criminal act of the Insured.
• Forgery by the Insured.
• Loss due to war or confiscation by authorities.
• Loss due to nuclear reaction or radioactive contamination.
• The Insured being irtonduated, as defined by the laws of the jurisdiction
where the loss ocaured or under the influence of any narcotic unless
prescribed by a physician.
-21-
11DCM0_02BOK-TL23Fa211_000a3.hW 23.24 1/11/11 9:52 AM
• Use of the Rented Automobile to carry passengers and property for hire.
• Use of the Rented Automobile by a person other than the one authorized
to operate the Rented Automobile bythe terms of the Rental Agreement.
• Loss of use of the Rented Automobile.
• Intentional damage to the Rented Automobile by the Insured.
• Damage which is due and confined to wear and tear, freezing, mechanical
or electrical breakdown or failure.
• Damage to tires unless the loss is coincident with a covered loss.
• Use of the Rented Automobile in tests, races or contests.
• The Rented Automobile being operated or located in any territory
prohibited by the terms of the Rental Agreement.
FOR RISIIREDS WHO ARE NEW YORK STATE RESIDENTS:
To the extent that this plan provides insurance against damage to a rented
motor vehicle, the following terns arid conditions apply: (1) the period of
insurance coverage will not exceed 31 consecutive days, or 4S consecutive
days H the Insured is an of an organization which has provided
the Card to the Insured for bunxess use, and (2) the insurance provided by
this plan will be mess over any other valid and collectible Insurance
covering the Rented Automobile. However, the msurance provided under
this plan may be prkrw)r H specifically provided for under the terms of this
plan and if the following criteria is met (a) the Rented Automobile is
rented for use outside the Waited States, its territories and possessions; (b)
the Insured is an employee of an organization which has provided the Card
to the Insured for business use, and W the Rented Automobile is rented
without a driver.
HOW TO FILE A CLAIN! UNDER EXCESS COLLISION DAMAGE WAIVER
In the event of a claim, written or verbal notice must be provided as soon
as reasonably possible.
IF YOU HAVE ANY CLAIM RELATED QUESTIONS, PLEASE CALL THE CLAIMS
SERVICE CENTER AT 14MOARM (1-8(118.252-4670).
You can also go to the Company Web site (www.chubb.com), dick on
Report a Loss, select Accident, Benefits and Life claims, select the
a e form, print out the claim form, fill out and mail. You can file a
claim mad or fax
Mang Address: CHUBB GROUP OF INSURANCE COMPANIES
CLAIMS MACE CENTER
600 INDEPENDENCE PARKWAY
PO BOX 4700
CHESAPEAKE, VA 233274700
Fax Number: 1-800.300.2538
CLAIM PROCEDURE
The Insured must send the Company written notice of a claim, including the
Insured's name and Polley number, within 90 days after a covered
occum N notice cannot be gi within that time, it must be given as soon
as reasonably possible. To file a swam Proof of Los, the Insured must send
the following information to the Company or its authorized representative:
• A copy of the Account statement showing the automobile rental
transaction.
-22-
• A copy of the automobile rental agreement.
• A copy of the police report.
• AAwM of the initial claim report submitted to the automobile Rental
• A copy of the paid daim presented by the automobile Rental Agency for
the Collision Damage for which the Insured is responsible.
• Proof of submission of the loss to, and the results of any settlement or
denial by the applicable insurance carrier(s).
• N no other insurance is applicable, a notarized statement from the Insured
to that effect.
Reminder: Please refer to the Insurance Disclosures section.
NISURANCE DISCLOSURES
As a handy reference guide, please read this document and keep it in a safe
place with your other insurance documents This Summary of Coverage is
not a contract of insurance but is simply an informative statement to
eligible ksureds of the principal provisions of the insurance while in effect
Complete provisions pertaining to this plan of insurance are contained in
the master policy on file with DFS Services I.I.C. herein referred to as the
Policyholder. If a statement in this Summary of Coverage and any provision
in the policy differ, the policy will govern.
Policy Underwritten By Wan Administrator
Federal I suranoe Compaq `Comparry•) The Direct Marketing Group, Inc
a member of the 13265 Bedford Avenue
Companies Omaha, NE 68164
Chubb 5 Mountain View RoaP Insurance O Boc 1615
Wanes, N107061-1651
Master Policy Number. 9906-17.63
Effective date of benefits Effective April 1, 2007, this guide replaces all
prior disclosures, program descriptions, advertising, andlor brochures by
any party. Policyholder and Company reserve the right to change the
benefits and features of these programs at any time.
Cancellation: Policyholder can cancel these benefits at any time or
choose not to renew the insurance coverage for all authorized
Cardmembers. H Policyholder does cancel these benefits, you will be
notified at least 60 days in advance. If the Company terminates, cancels,
or chooses not to renew the coverage to Policyholder, you will be
notified as soon as is practicable, Insurance benefits will still apply for
any benefits you were eligible for prior to the date of such terminations,
cancellation, or non-renewal, subject to the terms and conditions of
coverage.
Beneftts to you: These benefits apply only to Cardmembers whose cards
are issued by U.S. financial institutions. The United States is defined as
the 50 United States, the District of Columbia, American Samoa, Puerto
Rico, Guam and the U.S. Virgin Islands. No person or entity other than
the Cardmember shall have any legal or equitable right, remedy, or claim
for insucarmce proceeds andlor damages under or arising out of this
coverage. These benefits do not apply if your Card privileges have been
canceled. However, insurance benefits will still apply for any benefit you
23 -
11DCM0 02BOK-TL23Fp211_00083.IMd 25.28 1111111 8:52 AM
were eligible for prior to the date that your Account is suspended or
anc subject to the terms and conditions of coverage of your
Cardmember Agreement.
Transfer of rights or ber* is No rights or benefits provided under these
insurance benefits may be assigned without the prior written consent of
the Company.
MisrepresentWon and Fraud: Coverage of the Insured will be void 0, at
any time, the Insured has concealed or misrepresented any material fact
or circumstance concerning this coverage or the subject thereof or the
interest of the Insured herein, or in case of any fraud or fake swearing by
the insured relating thereto.
Coverage for an Insured will be void if, whether before or after a loss, the
Policyholder or its subscribing organization(s) has concealed or
misrepresented any material fact or circumstance concerning this coverage
or the subject thereof or the interest of the insured therein, or in case of
any fraud or fake swearing by the Policyholder or its subscribing
organizadmW relating hereto.
Additiam of New kwmreds: All eligible persons will be automatically
insured under this Poky.
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 copes
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
MR 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 arty
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.
ArbRwtlmt In the event of a dispute under this polic% either the Company
or the Insured =the a written demand for arbitration. In that case,
the Company aid 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 coke of arbitrator be
submitted to the American Arbitration Association. The arbitration will be
held in the state of the InsuredY principal residence.
-24-
I 27-28
GLOBAL TRAVELER'S HOTLINE TERMS AND CONDMONS
The Global Travelers Hotline provides Cardmembers and their families a
wide range of free travel assistance benefits. R is operated by AXA
Assistance USA, Inc. Visit Discoverard.comltravel to learn more.
ERgibiRtx You must be a Cardmember whose Account is in good
standing, the Cardmember's spouse or dependent child traveling with
the Cardmember or an Authorized User of an Account in good standing.
Thin Pa ty Charges. Global Traveler's Hotline is not insurance, so you
will be responsible for all third-party fees and expenses for services
requested, such as professional or medical fees.
Availability of Services. Certain services not be available in all areas.
Call us at 1-IOMISCOYER (1-X0.317-26ii33 for assistance or R you have
questions about a specific destination. Outside the U.S., all us collect at
1.801-902-3100. We AXA Assistance will make every reasonable effort
to provide the services, neither AXA Assistance nor Discover Bank or our
respective affiliates will be Bade if a service is not provided or for any
services that are provided by third parties. The services and these terms
and conditions are subject to change without notice.
-25-
1/11/11 9:52 AM I
DISCOVER $2 Now Bal
207.29ce
27 SDSN6A01 0010373
RICHARD ANGLEMEYER
117 MAPLE DR
MECHANICSBUR6 PA 17050-2765
Minimum Payment Due Account Number ending in 8395
$43.00 Enter Amount Enclosed Below
Payment Due Date $
August 22, 2009 Please make check payable to Discover Card or
pay online a Discovercard.com.
Address, e-mail or telephone change? Print charge in space
above, or go to Discover.com, Print your e-mail address to
receive important Account information and special offers.
Text APP to DISCOV• to receive a link to our
free mobile app and pay your bill in seconds
from anywhere!
PO SOX 71084 111111 11151111 1 11 111 1111 111
CHARLOTTE NC 28272-1084
lu?r??u?un?r?lnrlulrlnn?lllurln?n?nllu?n?nlr?u?)
000001986623637932356022072900000000004500
Discover More Card Account Summary
Closing Data: July 27, 2009 page 1 of 2
Account number ending in 8395 Previous Balance $0.00
Payment Due Date August 22, 2009 Payments And Credits 0.00
Minimum Payment Due $45.00 Purchases + 2,207.29
Credit Limit $3,500.00 Cash Advances + 0.00
Credit Available $1,292.00 Balance Transfen + 0.00
Cash Credit Limit $1,800.00 Finance Charges + 0.00
Cash Credit Available $1,292.00 New Balance $2,207.29
You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
Cashback Bonuse Opening Cashback Bonus Balance $ 0.00
New Cashback Bonus This Period + 5.51
Cashback Bonus® Since Anniversary Month
June: $5.51
Keep building your rewards with every
purchase. Start redeeming once you roach
$20 Cashbook Sonus(R).
Cashback Bonus Balance
5.51
How Can We He! I Visit Discavor cem to pay yaw bi for no Cost, view you
P YOU? latest Account information, Cam and redeem rewards anrd more
It's your choice - 3 ways to help 2. Cal 1-8004NSCOVER (347-2683) for fast, easy sellLservice
Please have your Discover Card available. options or to speak with a Customer Service Account Manager
For TDD (ossistonce for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943,
Soft Lake City, UT 64130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence.
Trans. Pod
Daais
Merchandise/Retail Jul 3 Jul 3 BROOKS BROT27066828335 HERSHEY PA
Jul 3 Jul 3 GAP OUTLET 1839 HERSHEY PA
Jul 3 Jul 3 J CREW FACTORY #080 HERSHEY PA
Jul 4 Jul 4 J CREW FACTORY #080 HERSHEY PA
Jul 13 Jul 13 PIER 56 STORE #28 SEATTLE WA
Jul 13 Jul 13 PIER 55 SHIRT CO SEATTLE WA
Jul 22 Jul 22 JUST CABINETS MECHANCSBRG PA
Restaurants Jun 29 Jun 29 ISAAC'S DELI #12 HARRISBURG PA
Jul 10 Jul 10 SPACE NEEDLE RESTAURAN SEATTLE WA
Jul 12 Jul 12 TAP HOUSE GRILL BELLEVUE WA
9461849 Jul 13 Jul 13 CRABPOT RESTAURANT SEATTLE WA
Jul 14 Jul 14 THE MOUNTAIN BAR SEATTLE WA
Travel/Ereaiairment Jul 9 Jul 9 SHERATON HOTELS BELLEVUE BELLEVUE WA
Jul 10 Jul 10 BELLEVUE GRILLE SHERAT BELLEVUE WA
Jul 11 Jul 11 BELLEVUE GRILLE SHERAT BELLEVUE WA
Jul 13 Jul 13 POUISBO INN POULSBO WA
Jul 13 Jul 13 DOLLAR RENT-A-CAR SETC1 SEATTLE WA
Jul 14 Jul 14 AIRTRAN AIRWAYS ATLANTA GA
Jul 14 Jul 14 AIRTRAN AIRWAYS ATLANTA GA
$ 40.00
55.96
166.72
130.30
74.44
28.39
445.18
20.00
93.00
26.80
71.08
76.00
236.82
39.50
47.00
103.96
345.00
15.00
15.00 IBIT
DISCOVER
It pays to RICHARD ANGLEMEYER
L 05COVE9 Account number ending in 8395
Announcing Pending Transactions!
You asked, we listened. Cardmembers can now view pending
tranwtions onlinel
Check your purchases in realtime to stay connected to your account
like never before either online or using your mobile device.
Log in to your aCCOUnt at Discover.com hom your loptop or
your mobile device and see far yourself.
02012 Discover Bonk, Member FDIC
Closing Date: July 27, 2009 page 2 of 2
Services Jul 14 Jul 14 PMI BWI DAILY A GARAGE BWI AIRPORT MD $ 60.00
Supermarkets Jun 30 Jun 30 GIANT FOOD *005 MECHANICSBURGPA 6.03
010029
Jun 30 Jun 30 GIANT FOOD *005 MECHANICSBURGPA 3.16
010034
Govenrrrerst Services Jul 11 Jul 11 MT RAINIER-WHITE RIVER ASHFORD WA 15,00
Jul 13 Jul 13 WSFERRIES-BR 8888087971 SEATTLE WA 14.45
Hans Improvement Jul 5 Jul 5 THE HOME DEPOT A120 MECHANICSBURGPA 76.78
Information For You
gakmce Transfer offer(s) for cumat Wing period:
Daily Periodic Rate: 0.00000%; corresponding ANNUAL PERCENTAGE RATE: 0.00%
This month, the Featured Cashback Bonu3(R) Redemption Partner is Bed Bath & Beyond(R). Redeem $20 Cashback Bonus for
a $25 Bed Bath & Beyond gift cord.
Charge Summary
Average
Daily Nominal
ANNUAL
ANNUAL
Periodic Transaction
Fee
Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE
gald races Rates RATES RATES URGES CHUGES
current billing period: 37 days
Purchases $0 0.00000% 0.00% F 0.00% $0 $0
Cash Advances $0 0.06573% 23.99% V 23.99% $0 $0
The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above.
QUO$tiOnS? Manage your account at Discover.com or
call 1-800-DISCOVER (1.800-347-2683)
DISCOVER Now Balance
27 SDSN6A01 0010374
RICHARD ANGLEMEYER
117 MAPLE DR
MECHANICSBURG PA 17050-2765
Minimum Payment Due Account Number ending in 8395
$70.00 Enter Amount Enclosed Below
Payment Due Dote $
seplember 22, 2009 Please make check payable to Discover Card.
Minimum payment dw includes a past due
amount of ar
Text APP to DISCOW to receive a link to our
free mobile app and pay your bill in seconds
from anywhere)
PO Box 71084 IllrrrllrrrrrlrUrrrlrrrlll
CHARLOTTE NC 28272-1084
Address, *-mail or telephone change? Print charge in space )n)r)?n?nr?r??nr?n?m?nr?l??nr?n?nln)?n)u)n)r)u?)
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
000001986623637932356032422100040000007000
Discover More Card Account Summary
Closing Data: August 27, 2009 page 1 of 3
Account number-ending in 8395 Previous Balance $2,207.29
Payment Due Date September 22, 2009 Payments And Credits 40.00
Minimum Payment Due $70.00 Purchases + 1,074.92
Credit Limit $3,500.00 Cash Advances + 0.00
Credit Available $257.00 Balance Transfers + 0.00
Cash Credit Limit $1,800.00 Finance Charges + 0.00
Cash Credit Available $257.00 New Balance $3,242.21
You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
Cashback BonuSe Opening Coshbock Bonus Balance $ 5.51
New Cashback Bonus This Period + 4.13
Cashback Bonus Balance $ 9.64
Cashbock Bonus® Since Anniversary Month
June: $9.64
How Can We Help You? I Visit Discovercom to pay your bi for no Cost view r
P latest Account information, earn and redeem rewards and more
It's your choice - 3 ways to help 2. Call 1-8004)ISCOVER (347-2683) For fast, easy self-service
options or to speak with a Customer Service Account Manager
Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943,
For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130
'Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence.
T
s.
?
1 Dam
Payments and Credits Aug 15 Aug 15 PAYMENT THANK YOU $ -40.00
Merchandise/Retail Jul 30 Jul 30 SILVER SPRING BEVERAGE MECHANICSBURGPA 26.16
Jul 31 Jul 31 TICKETSNOWfICKETMASTER 800.927-2770 IL 159.85
VSJC3ED3606B
Aug 4 Aug 4 PETSMART INC 583 MECHANICSBURGPA 29.67
0583632710601544400289
Aug 6 Aug 6 CVS/PHARMACY 1630 CAMP HILL PA 4.99
Aug 25 Aug 25 OFFICEMAX, INC. 0039 MECHANICSBURGPA 8.99
Aug 25 Aug 25 WAL-MART SC #1886 MECHANICSBURGPA 36.44
Restaurants Aug 5 Aug 5 MIKADO JAPANESE STEAKH MECHANICSBURGPA 70.00
Aug 6 Aug 6 VALLEY GREEN GOLF COURSE ETTERS PA 78.00
0iher/MiseeNaneous Aug 23 Aug 23 LATE FEE 39.00
Aug 5 Aug 5 KWIK FILL MECHANICSBURGPA 10.91
849 Aug 5 Aug 5 SUNOCO MECHANICSBURGPA 71.09
Aug 7 Aug 7 KWIK FILL MECHANICSBURGPA 5.00
Supermarkets Jul 28 Jul 28 GIANT FOOD #005 MECHANICSBURGPA 25.46
010049
Aug 4 Aug 4 WEGMANS #45 MECHANICSBURGPA 16.07
Aug 4 Aug 4 WEGMANS #45 MECHANICSBURGPA 10.99
Aug 7 Aug 7 WEGMANS #45 MECHANICSBURGPA 22.60
Aug 7 Aug 7 WEGMANS #45 MECHANICSBURGPA 4.84
Aug 8 Aug 8 GIANT FOOD #005 MECHANICSBURGPA 163.24
Need Cosh? Whether it's for an unexpected bill, an emergency car repair or your kids' school activities, DiscoveIP) Card
can always help. Get cash at ATMs nationwide or have money deposited directly into your bank account. Visit
iDsscover.com/cash to find out more.
DISCOVER
- --- - -
1 it pays to j RICHARD ANGLEMEYER
I DISCOVER Account number ending in 8395
Announcing Pending Transactions!
You asked, we listened. Cardmembers can now view pending
transactions onlinel
Check your purchases in realtime to stay connected to your account
like never before either online or using your mobile device.
in to your OCCOUnt at Discover. corn from your laptop or
your mobile device and see for yourself!
02012 Dis - Bank, Membv FDIC
dosing Dab: August 27, 2009 page 2 of 3
Supermarkets 010110
Aug 19 Aug 19 WEGMANS #45 MECHANICSBURGPA 49.32
Aug 25 Aug 25 WEGMANS #45 MECHANICSBURGPA 46.25
Hems inprnwment Aug 24 Aug 24 SHERWIN WILLIAMS #5194 HERSHEY PA 26.45
Aug 24 Aug 24 LOWE'S OF PALMYRA, PA PALMYRA PA 169.60
Information For You
* * * ATTENTION * * * Your payment is past due. Please check your records to determine if payment has been made
This month, the featured Cashback Bonus(R) Redemption Partner is Bed Bath & Beyond(R). Redeem $20 Cashback Bonus for
a $25 Bed Bath & Beyond gift card.
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t Charge Summary
Average
Daily Nominal
ANNUAL
ANNUAL
Periodic Transaction
Fee
Daily Periodic PERCENTAGE PERCENTAGE
FINANCE
FF94AN E
s
Balance Rates RATES RATES
CHARGES
CHARGES
current billing period: 31 days
Purchases $2776.19 0.00000% 0.00% F 0.00% $0 $0
Cash Advances $0 0.06573% 23.99% V 23.99% $0 $0
The rates that apply to your Account are either fixed (F) or they may vary M as noted above.
Questions? Manage your account at Discover.com or
call 1-800-DISCOVER (1.800-347-2683)
DISCOVER
New Balance I Minimum Payment Due 7 Account Number ending in 8395
$1,244.81 $25.00 Enter Amount Enclosed Below
Payment Due Date
October 22' 2009 Please make check payable to Discover Card or
pay online Q Discovercard.com.
27 SDSNSAO1 0010375
RICHARD ANGLEMEYER
117 MAPLE DR
MECHANICSBURG PA 17050-2765
Text APP to DISCOV` tD receive a link to our
free mobile app and pay your bill in seconds
from anywhere!
PO BOX 71084 111111111111111 111111111111
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? Print change in space ?n?r(?n?nr(r??nr?n?r?nr(f((en?n?n?u((u?n?u(n(nO
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
000001986623637932356012448100200000002500
Discover More Card Account Summary
Closing Date: September 27, 2009 page 1 of 2
Account number ending in 8395 Previous Balance $3,242.21
Payment Due Date October 22, 2009 Payments And Credits 2,369.60
Minimum Payment Due $25.00 Purchases + 372.20
Credit limit $3,500.00 Cash Advances + 0.00
Credit Available $2,255.00 Balance Transfers + 0.00
Cash Credit Limit $1,800.00 Finance Charges + 0.00
Cash Credit Available $1,800.00 New Balance $1,244.81
You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
Cashbwk Bonuse
Cashback 8onu39 Since Anniversary Month
June: $11.66 Opening Cashback Bonus Balance $ 9.64
New Cashbook Bonus This Period + 2.02
Cashbook Bonus Balance $ 11.66
How Can We Help You?
P 1 Visit D scover.com to pay your bill for no costm , view ur
latest Account information, earn and redee rewardaoand more
It's your choice - 3 ways to help 2. Call 1.800-DISCOVER (347-2683) for fast
easy selkservice
Please have your Discover Card available. ,
options or to speak with a Customer Service Account Manager
3. Write us at Discover Card, PO Box 30943,
For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130
Transactions $O Fraud Liability Guarantee Use your Discover Card with confidence.
s. P
Trains.
o
tf
D
a
Da
Paynw is and Credits Sep 2 Sep 2 PAYMENT THANK YOU $ -2 000.00
Sep 3 Sep 4 LOWE'S OF MECHANICSBURG, MECHANICSBURGPA 169.60
Sep 15 Sep 15 PAYMENT THANK YOU -200.00
Merchandise/Retail Sep 24 Sep 24 MENS WEARHOUSE 5208 HARRISBURG PA 168.51
Sep 24 Sep 24 MENS WEARHOUSE 5208 HARRISBURG PA 168.51
Resfouranh Sep 19 Sep 19 SUDSYS HARRISBURG PA 35.18
Information For You
Enroll in Paperless Statements for your chance to win big. Go paperless and you can win up to $15,000 cashl Learn more
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0"I 04V
i
nance Charge Summary
Nominal Transaction
Average Daily ANNUAL ANNUAL Periodic Fee
Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE
Balances Rates RATES RATES CHARGES CHARGES
current billing period: 31 days
Purchases $1403.31 0.00000% 0.00% F 0.00% $0 $0
Cash Advances $0 0.06573% 23.99% V 23.99% $0 $0
The rates that apply to your Account ore either fixed (F) or they may vary M as noted above.
With Discover(R) Card, managing your payments online gives you control of how and when you pay your bill. Simply
schedule your payments when is convenient for you - today, next week or anytime including your due date. Log in or
register today at Discover.com/monagepayments
DISCOVER
New Balance Minimum Payment Due Account Number ending in 8395
$2,064.32 $42.00 ) Enter Amount Enclosed Below
Payment Due Date $
November 22, 2009 Please make check payable to Discover Card or
pay online @ Discovercard.com.
27 SDSNBA010010376
RICHARD ANGLEMEYER
117 MAPLE DR
MECHANICSBURG PA 17050-2765
Address, e-mail or telephone change? Print change in space
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
Text APP to DISCOV' to receive a link to our
free mywhaee eP and pay your till in seconds
from
PO BOX 71084 fffusffnurfrffurfurfff
CHARLOTTE NC 28272-1084
)n)r))u)nr?r)?ui?u)i?ur{)))ur)n)n)n)?n)u)rr)??u??
000001986623637932356020643200050000004200
Discover More Card Account Summary
Closing Date: October 27, 2009 page 1 of 3
Account number ending in 8395 Previous Balance $1,244.81
Payment Due Date November 22, 2009 Payments And Credits 89.00
Minimum Payment Due $42.00 Purchases + 908.51
Credit Limit $3,500.00 Cash Advances + 0.00
Credit Available $1,426.00 Balance Transfers + 0.00
Cash Credit limit $1,800.00 Finance Charges + 0.00
Cash Credit Available $1,426.00 New Balance $2,064.32
You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
Cashback Bonuse Opening Cashback Bonus Balance $ 11.66
New Coshbock Bonus This Period + 9.08
Coshbock Bonus* Since Anniversary Month
June: $20.74
Cashback Bonus Balance $ 20.74
How Can We Help You? 1 Visit Discover cam to pay your 6M for no eesf, view your
P latest Account information, earn and redeem rewards and more
ft's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy solksorvice
Please have your Discover Card available. Options or to speak with a Customer Service Account Manager
For TDD assistance for hearing impaired) red see reverse side 3. Write us at Discover Card, PO Box 30943,
9 Pai l Soft Lake City, UT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence.
Trans. Post
te
Paymenh and Credits Sep 29 Sep 29 LATE CHARGE REFUND $ -39.00
Oct 14 Oct 14 PAYMENT THANK YOU -50.00
Mercbondise/Retail Oct 19 Oct 19 PETSMART INC 583 MECHANICSBURGPA 46.63
0583300910601380901071
Restaurants Sep 26 Sep 28 DOC HOLLIDAY'S-NEW CUM NEW CUMBERLANPA 306.54
Oct 20 Oct 20 ALS PIZZA AND SUBS MECHANICSBURGPA 11.36
Gasoline Oct 6 Oct 6 GIANT FUEL #5 MECHANICSBURGPA 40.65
010001
Services Oct 9 Oct 9 HAIR CUTTERY #3571 MECHANICSBURGPA 30.00
Supermarkets Oct 3 Oct 3 GIANT FOOD #269 CAMP HILL PA 21.93
010034
Oct 3 Oct 3 GIANT FOOD #005 MECHANICSBURGPA 68.93
9461849 010093
Oct 6 Oct 6 GIANT FOOD #005 MECHANICSBURGPA 17.73
010106
Oct 7 Oct 7 WEGMANS #45 MECHANICSBURGPA 15.81
Oct 9 Oct 9 GIANT FOOD #005 MECHANICSBURGPA 136.03
010016
Oct 23 Oct 23 GIANT FOOD #005 MECHANICSBURGPA 187.90
010100
Medical Services Oct 6 Oct 6 RIEGLER, SHIENVOLD & ASS HARRISBURG PA 25.00
New Balance
DISCOVER Minimum Payment Due Account Number ending in 8395
$2,709.62 $55.00 Enter Amount Enclosed Below
Payment Due Date $ --?
December 22, 2009 Please make check payable to Discover Card or
pay online @ Discovercard.com.
27 SDSN6A01 0010377
RICHARD ANGLEM LEMEYER Text APP to DISCOV' to receive a link to our
117 MAPLE DR free mobile app and pay your bill in seconds
from anywhere!
MECHANICSBURG PA 17050-2765
PO Box 71084 Illrrrllr??rrlrllrrrlr?rlll
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? Print change in space Inlnllnlnnlnllurlrrlnlnnllllnilnlnlnilln)nlulrlull
above, or go to Dixover.com. Print your e-mail address to
receive important Account information and special offers.
000001986623637932356027096200042000005500
Discover More Card Account Summary
Closing Dale: November 27, 2009 page 1 of 3
Account number ending in 8395 Previous Balance $2,064.32
Payment Due Date December 22, 2009 Payments And Credits 94.99
Minimum Payment Due $55.00 Purchases + 740.29
Credit Limit $3,500.00 Cash Advances + 0.00
Credit Available $790.00 Balance Transfers + 0.00
Cash Credit Limit $1,800.00 Finance Charges + 0.00
Cash Credit Avoilob6 $790.00 New Balance $2,709.62
You may be aisle to avoid Periodic Finance Charges, see the
reverse side for details.
Cashback Bonuse
Cashback Bonus® Since Anniversary Month
June: $27.61
Opening Coshbock Bonus Balance $ 20.74
New Cashback Bonus This Period + 6.87
Cashback Bonus Balance $ 27.61
How Can We Help You? I Visit Dacovsrcem to pay your 68 for no cost, view r
P latest Accourd information, own and redeem rewards and more
It's your choice - 3 ways to help 2. Call 1-8004)ISCOVER (347-2683) for Fast, easy selhssrvice
Please have your Discover Card available. options or to speak with a Customer Service Account Manager
3. Write us at Discover Card, PO Box 30943,
For TDD (assistance for hearing impaired) see reverse side Soh Lake City, UT 84130
Transactions $0 Fraud Uability Guarantee Use your Discover Card with confidence.
Trans. Post
Date Date
Payments and Credits Nov 10 Nov 10 PAYMENT THANK YOU $ _42.00
Nov 11 Nov 13 BESTBUYCOM 88994009503 RICHFIELD MN .7.49
Nov 25 Nov 27 BESTBUYCOM 88994009503 RICHFIELD MN -45.50
Merchandise/Retai Oct 31 Oct 31 BEST BUY MHT MECHANICSBURGPA 52.99
Nov 3 Nov 3 BESTBUYCOM 88994009503 RICHFIELD MN 60.93
Nov 6 Nov 6 WINE & SPIRITS 2106 MECHANICSBURGPA 30.72
Nov 10 Nov 10 BESTBUYCOM 88994009503 RICHFIELD MN 84.79
Restaurants Nov 4 Nov 4 UNDERDOG SPORTS BAR HARRISBURG PA 11.68
Gasoline Nov 4 Nov 4 SUNOCO HARRISBURG PA 7.46
Nov 8 Nov 8 HESS 38424 HARRISBURG PA 30.00
Nov 16 Nov 16 0352 SHEETZ BEDFORD PA 8.24
Travel/Entertainment Nov 14 Nov 14 OMNI BEDFORD SPRGS SPA BEDFORD PA 123.90
g? Nov 3
9 Nov 3 HAIR CUTTERY #3571 MECHANICSBURGPA 20.00
Supomrar?lcat
s Oct 27 Oct 28 GIANT FOOD #005 MECHANICSBURGPA 31.33
010042
Nov 6 Nov 6 GIANT FOOD #005 MECHANICSBURGPA 139.56
010085
Nov 8 Nov 8 KARNS QUALITY FOODS MECHANICSBURGPA 56.98
Horne Improvement Nov 3 Nov 3 THE HOME DEPOT 4120 MECHANICSBURGPA 37.21
Department Stas Nov 6 Nov 6 SEARS ROEBUCK 2624 CAMP HILL PA 44.50
Great holiday savings are just a click awayl Earn 5% to 20% Cashback BonUS(R) every day at over 150 top retailers like
Sean, BestBuy.com, and Lands' End through our exclusive online shopping mall, ShopDiscover(SM). Just visit
Discover.com/shop todayl
DISCOVER
New Balance Fminimum Payment Due Account Number ending in 8395
$3,087.74 $62.00 Enter Amount Enclosed Below
Payment Due Date $
January 22, 2010 Please make check payable to Discover Card or
pay online @ Discovercord.com.
27 SDSN6A01 0010378
RICHARD ANGLEMEYER
117 MAPLE DR
MECHANICSBURG PA 17050-2765
Text APP to DISCOV' to receive a Nnk to out
free mobile app and pay your bill in seconds
from anywhere!
PO BOX 71084 III nsIlumisllsulunlll
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? Print change in space ?rr?rllrr?nr?r??urln?rlurl???niln?n?n?Iu?ri?nlr?n??
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
000001986623637932356030677400060000006200
Discover More Card Account Summary
Closing Date: December 27, 2009 page I of 2
Account number ending in 8395 Previous Balance $2,709.62
Payment Due Date January 22, 2010 Payments And Credits 120.00
Minimum Payment Due $62.00 Purchases + 498.12
Credit Limit $3,500.00 Cash Advances + 0.00
Credit Available $412.00 Balance Transfers + 0.00
Cash Credit Limit $1,800.00 Finance Charges + 0.00
Cash Credit Available $412.00 New Balance $3,08774
You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
Cashback Bonuse Opening Cashback Bonus Balance $ 27.61
New Cashback Bonus This Period + 4.98
Cashback Bonus& Since Anniversary Month
June: $32.59
CONGRATULATIONS! Your Cashback
Bonus(R) is waiting for you. Visit
Discover.com or call 1-800-DISCOVER
(1-800.347-2683) to redeem.
Cashbadc Bonus Balance
32.59
How Can We Help You? 1 Visit Discovercom to pay your bill for no cost, view r
P latest Account information, earn and redeem rewarda?and more
It's your choice - 3 ways to help 2. Call 1.800ZISCOVER (347-2683) for fast, easy self-service
options or to speak with a Customer Service Account Manager
Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943,
For TDD (assistance for hearing impaired) no reverse side Soh Lake City, UT 84130
Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence
Trans. Post
Date Date
Payments and Credits Dec 8 Dec 8 PAYMENT THANK YOU $ -60.00
Dec 22 Dec 22 PAYMENT THANK YOU -60.00
Merchandise/Retail Nov 27 Nov 28 DICKS SPORTING GOODS M PA 74.18
Nov 27 Nov 28 KAY JEWELERS #2714 MECHANICSBURGPA 100.00
Nov 27 Nov 28 TOYS 'R' US HARRISBURG PA 105.99
Nov 30 Nov 30 TARGET MECHANICSBURGPA 42.39
Dec 8 Dec 8 PETSMART INC 583 MECHANICSBURGPA 29.67
0583567510501185617518
9 Dec 2 Dec 2 PIZZA HUT #84430115835 MECHANICSBURGPA 25.00
Gasoline Doc 15 Dec 15 0412 SHEETZ HARRISBURG PA 12.65
Dec 15 Dec 15 0412 SHEETZ HARRISBURG PA 32.94
Dec 16 Dec 16 0211 SHE ETZ PALMYRA PA 10.60
Services Dec 2 Dec 2 HAIR CUTTERY #3571 MECHANICSBURGPA 16.00
Depoftmd Store Nov 27 Nov 28 KOHLS 0337 MECHANICSBURGPA 48.70
Great holiday savings are just a click awayl Earn 5% to 20% Cashback Bonus(R) every day at over 150 top retailers like
Sears, BestBuy.com, and Lands' End through our exclusive online shopping mail, ShopDiscover(SM). Just visit
Discover.com/shop today!
New Balance Minimum Payment Due Account Number ending in 8395
DISCOVER $3,266.16 L$bb.oo Enter Amount Enclosed Below
Payment Due Date $
February 22, 2010 Please make check payable to Discover Card or
pay online ! Discovercard.com.
27 SDSN6A01 0010379
RICHARD AN6LEMEYER Text APP toDISCOV•toreceive alink toour
free mobile app and pay your bill in seconds
117 MAPLE DR from anywhere!
MECHANICSBURG PA 17050-2765
PO BOX 71084 Illrrrllrrrirlrllnrlrrrlfl
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? Print change in space In(rl?u)nr(illnr)n)r(rn)IOnrlnlulnl)nlululrlull
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
000001986623637932356032661600060000006600
Discover More Card Account Summary
Closing Date: January 27, 2010 page 1 of 2
Account number ending in 8395 Previous Balance $3,087.74
Payment Due Date February 22, 2010 Payments And Credits 60.00
Minimum Payment Due $66.00 Purchases + 187.81
Credit Limit $3,500.00 Cash Advances + 0.00
Credit Available $233.00 Balance Transfers + 0.00
Cash Credit Limit $1,800.00 Finance Charges + 50.61
Cash Credit Available $233.00 New Balance $3,266.16
You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
Cashback Bonuse Opening Coshback Bonus Balance $ 32.59
New Cashbock Bonus This Period + 1.87
Cash6ock Bonus Balance $ 34.46
Cashbock Bonus® Since Anniversary Month
June: $34.46
How Can We Help YOUR 1 Visit Discover com to pay your bill for no cost, view your
P latest Account information, earn and redeem rewards and more
It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service
options or to speak with a Customer Service Account Manager
Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943,
For TDD {assistance for hearing impaired) see reverse side Soft Lake City, UT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence.
Trans. Post
Date Data
Payments and Credits Jan 20 Jan 20 PAYMENT THANK YOU $ -60.00
Mordmndise/Retail Jan 24 Jon 24 WINE & SPIRITS 2106 MECHANICSBURGPA 65.70
Gasoline Jan 18 Jan IS KWIK FILL MECHANICSBURGPA 73.31
Jan 18 Jan 18 SUNOCO MECHANICSBURGPA 18.01
Supermarkets Jan 25 Jan 25 WEGMANS #45 MECHANICSBURGPA 30.79
Information For You
Build extra Cashbock Bonus by using your Discover(R) card to pay your monthly household bills like cable, cell phone, and
insurance. It's easy to set up, just contact your provider. You'll earn rewards with every bill)
1Charge Summary
Nominal Transaction
Average Daily ANNUAL ANNUAL Periodic Fee
Daily Periodic PBMUAGE PERCENTAGE FINANCE FINANCE
Balances Rates RATES RATES 01ARGES CHARGES
current billing period: 31 days
Purchases $3137.44 0.05203% 18.99% V 18.99% $50.61 $0
Cash Advances $0 0.06573% 23.99% V 23.99% $0 $0
The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above.
DISCOVER $3Now Bal
,406.38ce
27 SDSNSAOt 0010380
RICHARD ANGLEMEYER
117 MAPLE DR
MECHANICSBURG PA 17050-2765
Minimum Payment Due I1 Account Number ending in 8395
$70.00 _ J Enter Amount Enclosed Below
Payment Due Date $ 1--?
March 22, 2010 Please pay online 0 www.Discover.com or make
check payable to Discover
Text APP to DISCOW to receive a link to our
free mobile app and pay your bill in seconds
from anywhere!
PO BOX 71084 11 111111111111
CHARLOTTE NC 28272-1084
Address, email or telephone changes I I Ilula,alallualnlalnallllnalula,latllulnlulalnll
Go to www.Discover.com or print change in space above.
000001986623637932356034063800068000007000
opening Vale: January Z5, ZO 19 - Uosing I)alle: Feb
I Discover More Cart! Account Summary Account number ending in 8395
Previous Balance $3,266.16
Payments And Credits 68.00
Purchases + 153.83
Balance Transfers + 0.00
Cash Advances + 0.00
Finance Charges + 54.39
Other Fees t + 0.00
New Balance 3,406.38
Sae Finance Charge Summary section following transactions
for detailed APR information
Credit Line $3,500.00
Credit Una Available $93.00
Cash Advance Credit line $1,800.00
Cash Advance Credit Line Available $93.00
You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
t See transaction detail for a description of any fees charged.)
va?assws.n sivrssra Anniversary Month
June
Opening Cashback Bonus Balance $ 34.46
New Cashbock Bonus This Period + 1.41
Cashback Bonus Balance $ 35.87
To learn more, leg in al www.Diiscover.com and select Rewards
vary 27, 2010
page 1 of 2
Payment Information
New Balance $3,406.38
Minimum Payment Due $70.00
Payment Due Date March 22, 2010
Late Payment Warning: If we do not receive your minimum
payment by the date listed above, you may have to pay a late
fee of up to $39.00 and your purchase APRs for new
transactions may be increased up to the Default APR of
23.99% 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:
yAVilOk• rkk; You wrtl pny.off tu,atl '
ditloool charges the balance shown up PO.yft An
sing tfais catd qnd. on tf ne 000*0 00mawd 4otal of
rnrrnNa 1 Y in Qb6a
Only the minimum 21 years $9,772
Payment
$125 3 years
9
14,
(Boos s = $5,278 j
If you would like information about credit counseling services,
call 1-800-347.1121
3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com
1 Access your account securely at www.Discover.com Access free online tools like Paydown Planner to create a plan
2. Coll 1-800-DISCOVER (1-800347-2683
Please have your Discovers card available, to pay down your balance, securely access statements, pay
bills online and easily track all transactions
3. Write to us at Discover PO Box 30943,
Sak Lake City, UT 84130 Make your money worth more sm-find easy ways to earn
and redeem cash rewards
For TDD (relecommunications Device for the Deaf) NEWT Access your account securely through your
assistance, please call 1.800347-7449. mobile phone
Transactions
D
ate u to
Payments and Credits Feb 17 Feb 17 PAYMENT THANK YOU $ -68,00
Merchandise Feb 10 Feb 10 WAL-MART SC #1886 MECHANICSBURGPA 16.24
Restaurants Feb 5 Feb 5 NAPLE'S PIZZA STEELTON PA 21.58
Gasoline Feb 8 Feb 8 KWIK FILL MECHANICSBURGPA 39.02
Supermarkets Feb 2 Feb 2 GIANT FOOD #005 MECHANICSBURGPA 11.52
See reverse side. DISC*VEIt
DISCOVER It pays to RICHARD ANGIEMEYER
_ ntscvER i Account number ending in 8395
page 2 of 2
Transactions
Trans. Post
Date
Supermarkets 010020
Feb 4 Feb 4 KARNS QUALITY FOODS MECHANICSBURGPA 8.64
Feb 8 Feb 8 WEGMANS #45 MECHANICSBURGPA 56.83
Finance Charge Summary
Average Nominal
P
i
W
P
eriodic Other
F
current billing period: 31 days Daily
J BO er
odic PE ITAGE PERCB
iTAGE
Rates RATES RATE F*MNCE
CHAM MANCE
CHARGES
Pwdrases $3,371.76 0.05203% 18.99% V 18.99% $5439 $0
Cash Advances $0 0.06573% 23.99% V 23.99% $0 $0
V . Variable Rate
Information For You
Notwithstanding the payment due dote on this statement, 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 Periodic Finance Charges on new purchases first
appearing on this billing statement, or any portion of a new purchase, paid within 25 days of the Closing Date on this billing
statement.
Every Purchase Countsl Every time you use your Discover(R) card, you *am cash rewards automatically. Use your card for
everyday purchases, monthly bill payments or for something special. Make your money worth more - today and every dayl
9461849
Questions? Visit www.Diswver.com or
;call 1.800-DISCOVER (1-800-347-2683), DISCO
DISCOVER
New Balance Minimum Payment Due Account Number ending in 8395
$3,437.23 S68.00 Enter Amount Enclosed Below
Payment Due Date $ r 1
April 22, 2010 Please pay online 0 www.Discover.com or make
check payable to Discover
27 SDSN6AO1 0010381
RICHARD ANGLEMEYER
117 MAPLE DR
MECHANICSBURG PA 17050-2765
Address, e-mail or telephone change?
Go to www.Discover.com or print change in space above.
Text APP to DISCOW to receive a link to our
free mobile app and pay your bill In second
from anywhere!
PO BOX 71084 IIIIISIIIIIISIIIIIIIIIIIIII
CHARLOTTE NC 28272-1084
IIIIIIIIIII,IIIIII,IIIIIIIr1IIIIII,III,IIIII,III,Ir1II,IIII,II
000001986623637932356034372300070000006800
Opening Dale: February 28, 2010 dosing Dale: Mc
Discover More Card Account Summary
Account number ending in 8395
Previous Balance $3,406.38
Payments And Credits 70.00
Purchases + 50.88
Balance Transfers + 0.00
Cash Advances + 0.00
Finance Charges + 49.97
Other Fees t +
0.00
New Boksnce _
X3,437.23
See Finance Charge Summary section following transactions
for detailed APR information
Credit line $3,500.00
Credit Line Available $62.00
Cash Advance Credit line $1,800.00
Cash Advance Credit Line Available $62.00
You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
t See transaction detail for a description of any fees charged.
•.aaalsuaaa.Ia M"luz Anniversary Month
June
Opening Cashback Bonus Balance $ 35.87
New Cashback Bonus This Period + 0.50
Cashlsaek Bonus salanee $ 36.37
To learn more, log in al www.Discowr.com and select Rewards
rch 27, 2010
pogo 1 of 2
Payment Information
New Balance $3,437.23
Minimum Payment Due $68.00
Payment Due Date April 22, 2010
Late Payment Warning: If we do not receive your minimum
payment by the date listed above, you may have to pay a late
fee of up to $39.00 and your purchase APRs for new
transactions may be increased up to the Default APR of
23.99% variable.
Minimum Paymem Wami g: If you make only the minimum
payment each period, you will pay more in interest and it will
take you longer to pay off your balance. For example:
f hok?t!a>' You wo -Pay 4ff Arid you wi `di1'
dtHczrsal cftgo 6olonce d awn up paying an
a#n8-this 0400*#. this s omsnt est4ttloted total AF.
;morrth y'pr'?+9?Y in aEsout:
Only the minimum 22 years $9.936
payment
$126 3 years 4,535
(Savings = $5,401 11
If you would like information about credit counseling services,
call 1.800-347.1121
3 Easy Ways to Contact Us Manage Your Account Online at www.Discovw.com
1 Access your account securely at www.Discover.com Access free online tools like Paydown Planner to create a plan
2 Call 1.800-DISCOVER (1-800.347-2683) to pay down your balance, securely access statements, pay
Please have your Discover® card available. bills online and easily track all transactions
3. Write to us at Discover, PO Box 30943, Make your money worth more sm-find easy ways to earn
Salt Lake City, UT 84130 and redeem Cash rewards
For TDD (Telecommunications Device for the Deaf) NEW I Access your account securely through your
assistanee,glease call 1-800.347-7449 mobile phone
Transactions
Trans. Post
Dale Date
Payments and Credits Mar 16 Mar 16 PAYMENT THANK YOU
Restaurants Mar 12 Mar 12 LA TASCA ALEXANDRIA VA
-70.00
50.88
See reverse side.
DISCOVER
DISCOVER $$31"S Balance
27 SDSN6A01 0010382
RICHARD ANGLEMEYER
117 MAPLE DR
MECHANICSBURG PA 17050-2765
Minimum Payment Due Account Number ending in 8395
$71.00 _ Enter Amount Enclosed Below
Payment Due Date $
May 22, 2010 Pay online at www.Di3cover.com or make check
payable to Discover Phone and intemN
payments must be made by 5:00pm ET for some
day posting.
Text APP to DISCOV• to receive a link to our
free mobile app and pay your bill in seconds;
from anywhere!
PO BOX 71084 111.1111 11111 11 11111 1 111 111
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? Irrlr1111111rlrllurln?rlnrllllurlnlulnllu?ulultlnll
Go to www.D6cover.com or print change in space above.
000001986623637932356034644500070000007100
Opening Dale: Mardi 28, 2010 - dosing Dade: April
Discover Moro Card Account Summary
Account number ending in 8395
Previous Balance $3,437.23
Payments And Credits 70,00
Purchases + 41.79
Balance Transfers + 0.00
Cash Advances + 0.00
Finance Charges + 55.43
Other Fees t + 0.00
New Balance 3,464.45
See Finance Charge Summary section following transactions
for detailed APR information
Credit Line $3,500.00
Credit Line Available $35.00
Cash Advance Credit Line $1,800.00
Cash Advance Credit Line Available $35.00
t See transaction detail for a description of any fees charged.
....,......?.. ws.w Anniversary Month
June
Opening Cashback Bonus Balance $ 36.37
New Cashbock Bonus This Period + 0.41
Redeemed This Period 25.00
Cashback Be.. balance $ 11.78
To barn more, log in at www.Discover.com and seta Rewards
3 Easy Ways to Contact Us
1 Access your account securely at www.Discovor.com
2. Coll 1-8004DISCOVER (1.800.347.2683)
Please have your Discover* card available.
3. Write to us at Discover, PO Box 30943,
Salt Lake City, UT 84130
For TDD (Telecommunications Device for the Deaf)
assistance, please call 1.800.347.7449.
27, 2010
Daae 1 of 2
Payment Information
New Balance $3,464.45
Minimum Payment Due $71,00
Payment Due Date May 22, 2010
Lacs Payment Warning: If we do not receive your minimum
payment by the date listed above, you may have to pay a late
fee of up to $39.00 and your purchase APRs for new
transactions may be increased up to the Default APR of
23.99% 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 italtexta Ydu w1R e5 : And;yxtirwlR end
iMciCtrgss. : the balance shown up fr+g an.
sing thki ean3 i# d 40 this sfateroent oft!! o tptral of
h my h:yow pay irlo6out.
Only the minimum 22 years $10,053
payment
$127 3 years 7
(Savings = $5.482)
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 creole a plan
to pay down your balance, securely access statements, pay
bills online and easily track all transactions
Make your money worth moresm-find easy ways to earn
and redeem cash rewards
NEWT Access your account securely through your
mobile phone
bastaftions
Trans. Post
Date Date
Payments and credits Apr 13 Apr 13 PAYMENT THANK YOU $ .70.00
Merchandise Apr 25 Apr 25 DICKS SPORTING GOODS M PA 31.79
Travel/Enoin irment Apr 19 Apr 19 LIBERTY FORGE GOLF COURS MECHANICSBURGPA 10.00
See reverse side. DISCOVER
DISCOVER $$3,4"."
27 SDSN6A01 0010383
RICHARD ANGLEMEYER
117 MAPLE DR
MECHANICSBURG PA 17050-2765
Minimum Payment Due Account Number ending in 8395
$70.00 Enter Amount Enclosed Below
Payment Due Date $ -?
June 22, 2010 Pay online at www.Di3cover.com or make check
payable to Discover Phone and intemst
payments must be made by 5:OOpm ET for some
day posting.
TextAPP to DISCOV' to receive a link to our
free mobile app and pay your bill in seconds
from anywhere!
PO BOX 71084 lllnrnllrrrrnlrllIloilo r1ll
CHARLOTTE NC 28272-1084
Address, e-mail or telephone changes: Inlrl?ulntlnllr,rlnlrlntllllurlnlulullululnltlrrll
Go to www.D scover cam or print change in space above.
000001986623637932356034999900072000007000
opening Dais: April 28, 2010 - Closing Ddb: May 2
1 Discover More Card Account Summary I Account number ending in 8395
Previous Balance $3,464.45
Payments And Credits 72.00
Purchases + 53.29
Balance Transfers + 0.00
Cash Advances + 0.00
Finance Charges + 54.25
Other Fees t + 0.00
New Bobnce 3,499.99
See Finance Charge Summary section following transactions
for detailed APR information
Credit Line $3,500.00
Credit Una Available $0,00
Cash Advance Credit Line $1,800.00
Cash Advance Credit Line Available $0.00
t See transaction detail for a description of any fees
Anniversary Month
June
Opening Cashback Bonus Balance $ 11.78
New Cashback Bonus This Period + 0.53
Cashl6wk bonus balance $-- 12.31
T. learn more, log in at www.Discover.com and select Rewards
3 Easy Ways to Contact Us
1 Access your account securely at www.Discovw.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 8,4130
For TDD (Telecommunications Device for the DeaQ
assistance, please call 1-800.347-7449.
r, 2010
Dow 1 of 2
Payment Information
New Balance $3,499.99
Minimum Payment Due $70.00
Payment Due Date June 22, 2010
Late Payment Warning: If we do not receive your minimum
payment by the date listed above, you may have to pay a late
fee of up to $39.00 and your purchase APRs for new
transactions may be increased up to the Default APR of
23.99% 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:
" "e, no, 'ou wn# feyyff ell slid
ongl Charges the balonce ahawn ujs fxoyfiagber.
Yl? tk fTt agrd and on this statement a .ItTi d tafaf; suf.
ipG?tth?f7rJ lw)!- in aFaout
Only the minimum 22 years $10,225
payment
$128
1
1 3 years
,618
(Sayings = $5,6071
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 y down your balance, securely access statements, pay
bills online and easily track all transactions
Make your money worth moresm -find easy ways to earn
and redeem cash rewards
NEWT Access your account securely through your
mobile phone
Transactions
Trans. `' Post
9461849 Date Dale
Payment and Credits May I 1 May 11 PAYMENT THANK YOU $ _72.00
Merchandise Apr 28 Apr 28 PETCO 1891 63518914730 MECHANICSBURGPA 11.66
Gasoline May 18 May 18 SUNOCO MECHANICSBURGPA 30.02
Supermarkets May 17 May 17 GIANT FOOD #005 MECHANICSBURGPA 11.61
010211
See reverse side. DIJ+4WER
DISCOVER
New Balance f Minimum Payment Due
$3,515.98 $72.00 _ J
Payment Due Date
July 22, 2010
27 SDSN6A01 0010384
RICHARD ANGLEMEYER
117 MAPLE DR
MECHANICSBURG PA 17050-2765
', 2010
PO BOX 71084 Il?ns??uusls??ut?nnl??
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? I11 11
llrnlnnnlrllrrilnrlilrri1111rrnln,I,nlnrllrrlrrlr?lrlrrll
Go to www.Discover.com or print change in space above.
000001986623637932356035159800072000007200
Opening Dale: May 28, 2010 - Dosing Data: June 2;
Discover More Card Account Summary
Account number ending in 8395
Previous Balance 53,499.99
Payments And Credits 97,00
Purchases + 56.75
Balance Transfers + 0.00
Cash Advances + 0.00
Interest Charged + 56.24
Fees Charged + 0.00
New Balance 37515.98
See Interest Charge Calculation section following
transactions for detailed APR information
Credit Line $3,500.00
Credit Line Available $0,00
Cash Advance Credit Line $1,800.00
Cash Advance Credit Line Available $0.00
Opening Cashbock Bonus Balance
New Cashback Bonus This Period
Coshbock haws balance
To learn more, log in al www.Discover.com
$ 12.87
Account Number ending in 8395
Enter Amount Enclosed Below
)
Please make check payable to Discover Card.
You are overlimH. Pay the sum of the monthly
minimum payment plus the overlimit amount of
$15.98.
Text APP to DISCOV• to receive a link to our
free mobile app and pay your bill in seconds
from anywhere!
Dacia 1 cif 2
Payment In"ation
New Balance $3,515.98
Minimum Payment Due $72.00
Payment Due Date July 22, 2010
Late Payment Warning: If we do not receive your minimum
payment by the date listed above, you may have to pay a late
fee of up to $39.00 and your purchase APRs for new
transactions may be increased up to the Penally APR of
23.99% 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:
fYas makr® :. Yanu`w 1SerJrdif Ark 7auI111 i
t?iodal ?ttugl? a ?aalont?b ?iatjyn ?+p Ong pn
singth/a art IhrS stalstriertt eslttdated f-'ef
h +tionth you °ppy . fn abouP
Only the minimum 22 years $10,290
payment
L $129 3 years ,639
(Savi s = $5,651 1
If you would like information about credit counseling services,
call 1-800.347.1121
3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com
1 Access your account securely at www.Diseowr.com
2. Call 1.800-DISCOVER (1-800-347-2683)
Please have your Discovsre card available Access free online tools like Paydown Planner to create a plan
to down your balance, securely access statements, pay
b
l
.
3. Write to us at Discover
PO Box 30943 i
ls online and easily track all transactions
,
,
Sate Lake City, UT 84130 (Not a payment address)
Make your money worth morel -find easy ways to earn
For payments, please send to address on remittance or and redeem cash rewards
Discover, PO Box 6103, Carol Stream, IL 60197.6103 NEW! Access your account securely through your
For TDD (Telecommunications Device for the Deaf) mobile phone
assistance, please call 1-800-347-7449
Transactions
Dote Post
9461849 Dab
Payments and Credits Jun 3 Jun 3 PAYMENT THANK YOU $ .25.00
Jun 8 Jun 8 PAYMENT THANK YOU .72.00
Merchandise Jun 13 Jun 13 SUPER SHOE #7 MECHANICSBURGPA $ 31.77
Restaurants Jun 14 Jun 14 ARBY'S #67900067934945 MECHANICSBURGPA 9
72
Gasoline Jun 17 Jun 17 SUNOCO HARRISBURG PA ,
4
86
Supermarkets Jun 14 Jun 14 GIANT FOOD #005 MECHANICSBURGPA .
10.40
010037
Anniversary Month
June
$ 12.31
+ 0.56
Fees TOTAL FEES FOR TM PERIOD $ 0,00
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION 1'1IC ER
DISCOVER
New Balance Minimum Payment Due
$3,498.49 1$70.00
Payment Due Date
August 22, 2010
27 SDSN6A010010385
RICHARD ANGLEMEYER
117 MAPLE DR
MECHANICSBURG PA 17050-2765
,2010
PO BOX 71084 Ill rrrllnurlsllnrlunlll
Address, CHARLOTTE NC 28272-1084
Go to www.Dceor telephone vecav*isr print om or print ng change in space above. In 1. 111
Go to www
000001986623637932356034984900072000007000
opening vare:.rune za, su i u f losing uats:
I D'lscover More Card Account Summary
I Account number ending in 8395
Previous Balance $3,515.98
Payments And Credits 72.00
Purchases + 0.00
Balance Transfers + 0.00
Cash Advances + 0.00
Interest Charged + 54.51
Fees Charged + 0.00
New Balance 53,498.49
See Interest Charge Calculation section following
transactions for detailed APR information
Credit Line $3,500.00
Credit Line Available $1,00
Cash Advance Credit line $1,800,00
Cash Advance Credit Line Available $1.00
21
Account Number ending in 8395
Enter Amount Enclosed Below
$ 1 -
Pay online at www.Di3cover.corn or make check
payable to Discover Phone and internst
payments must be made by 5:00pm ET For some
day posting.
Text APP to DISCOV• to receive a link to our
free mobile app and pay your bill in seconds
from anywherel
Docelaf2
Payment Information -
New Balance $3,498.49
Minimum Payment Due $70.00
Payment Due Date August 22, 2010
Lam Payment Warning: If we do not receive your minimum
payment by the date listed above, you may have to pay a late
Fee of up to $39.00 and your purchase APRs for new
transactions may be increased up to the Penalty APR of
23.99% 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:
ihUke ncl You'wiR pay ofF And C... .... stiff .::
chprgs the balance shown up pgytng tYp'
tTttBlhk c?atrl and on thrs statement es3?mah toaal af,
lR?AATI1 y ,'Pay in about.
Only the minimum 22 years $10,215
payment
$128 3 years 4,616
(savings = $5,599 )
IF you would like information about credit counseling services,
call 1.800.347-1 1 2 1
Opening Cashbock Bonus Balance
New Cashbock Bonus This Period
Anniversary Month
June
$ 12.87
+ 0.00
Cashback Bonus 8afance
To leorn more, log to at www.Discover.com
$ 12.87
3 Easy Ways to Contact Us
1 Access your account securely at www.Diwovw.com
2. Cal 1-800-DISCOVER (1.800-347-2683)
Please have your Discoverecord available.
3. Write to us at Discover, PO Box 30943,
Sant 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.
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 more5m-find easy ways to earn
and redeem cash rewards
• NEWI Access your account securely through your
mobile phone
Transactions
9461849 Dates Post
Payments and Credits Jul 7 Jul 7 PAYMENT THANK YOU $ .72 00
Fees TOTAL FEES FOR THIS PERIOD $ 0.00
Interest Charged INTEREST CHARGE ON PURCHASES $ 54.51
INTEREST CHARGE ON CASH ADVANCES 0.00
INTEREST CHARGE ON BALANCE TRANSFERS 0.00
TOTAL WMREST FOR THIS PERIOD 54.51
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC ER
DISCOVER
New Balance j Minimum Payment Due
$3,872.81 1$77.00
y
Payment Due Dale
Sepbrnber 22, 2010
27 SDSN6A01 0010386
RICHARD ANGLEMEYER
117 MAPLE DR
MECHANICSBURG PA 17050-2765
27, 2010
PO BOX 71084 111111111 to 1111
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? III {rlln{urlr{1nr{ul?{nr{{{{m{??lrn{u{{u{nln{?{u{{
Go to www.Discovw.com or print change in space above.
000001986623637932356038728100073000007700
Opening Date: July 28, 2010 - Dosing Date: August
Discover More Card Account Summary
Account number ending in 8395
Previous Balance $3,498.49
Payments And Credits 73,00
Purchases + 389.65
Balance Transfers + 0.00
Cash Advances + 0.00
Interest Charged + 57.67
Fees Charged + 0.00
New Bclonce $3,872.81
See Interest Charge Calculation section following
transactions for detailed APR information
Credit Line $4,200.00
Credit Line Available $327.00
Cash Advance Credit Line $2,200,00
Cash Advance Credit Line Available $327.00
Anniversary Month
June
Opening Cashback Bonus Balance S 12.87
New Cashback Bonus This Period
5% Cashback Bonus + 5.06
Everywhere Else + 0.72
Cashbacc 8arws balance ?- $ -- 18.65
To learn more, leg in of www.Diwcvw.eom
3 Easy Ways to Contact Us
1 Access your account securely at www.Discaver.com
2. Call 1$00-DISCOVER (1.804347-2683)
Please have your Discovere card available.
3. Write to us at Discover, PO Box 30943,
Soh Lake City, UT 84130 (Not a payment address)
For payments, please send to address on rem itionce or
Discover, PO Box 6103, Carol Stream, IL 601 97-6 1 03
For TDD (Telecommunications Device for the DeaQ
assistance, please call 1-804347.7449.
Account Number ending in 8395
Enter Amount Enclosed Below
$ 1
Pay online at www.Discovw.com or make check
payable to Discover. Phone and internet
payments must be made by 5:00pm ET for some
day posting.
Text APP to DISCOV• to receive a link to our
free mobile app and pay your bill in seconds
from anywherel
page 1 of 2
Payment Information
New Balance $3,872.81
Minimum Payment Due $77,00
Payment Due Date September 22, 2010
Lab Payrnent Warring: 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 23.24% variable.
Minirwm Payment Warning: If you make only the minimum
payment each period, you will pay more in interest and it will
take you longer to pay off your balance. For example:
f yusu " do You. will
payoff
f WII
"YO
charges tfia balance sf+owa up poyi ap,
ifiis Catd RFifJ on this statement estimaled icrtp?:4f
?.
Monlyou pay in about ,
Only the minimum 24 years $11,985
payment
$142
A
3 years
,10
ISavin s = $6,8801
If you would like information about credit counseling services,
call 1.80Q347-1121
Manage Your Account Online at www.Discover.com
• Access free online tools like Paydown Planner to create a plan
to pay down your balance, securely access statements, pay
bills online and easily track all transactions
• Make your money worth more sm-find easy ways to earn
and redeem cash rewards
• NEW I Access your account securely through your
mobile phone
nS
Trans. Post
Date Date
Payments and Credits Aug 14 Aug 14 PAYMENT THANK YOU $ -73.00
Merchandise Aug 22 Aug 22 SILVER SPRING BEVERAGE MECHANICSBURGPA $ 44.11
Aug 22 Aug 22 TARGET MECHANICSBURGPA 34.47
Restaurants Aug 13 Aug 13 DUNKIN 8306751 Q35 MECHANICSBURGPA 5.06
Aug 16 Aug 16 UPTOWN DINER AND PIZZERI HARRISBURG PA 5.50
Aug 17 Aug 17 BROTHER'S PIZZA HARRISBURG PA 10.38
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION --t-
DIS OVER
i
Paperless statements mean less clutter, more convenience
Easily access up to 24 months of downloodoble, 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 Dixo Bank. Member MC PAPER.0310
Transactions
)
(cont
Trans.
Date
Post
Date co
m
. 0
s
Gasoline Aug 21 Aug 21 GIANT FUEL 05 MECHANICSBURGPA 59.98
010112
Aug 23 Aug 23 KWIK FILL MECHANICSBURGPA 41 18 V
Services Aug 21 Aug 21 ASHCOMBE FARM & GREENH MECHANICSBURGPA 56.41
Hone hWcverrent Aug 21 Aug 21 LOWE'$ OF MECHANICSBURG, MECHANICSBURGPA 95.47
Department Store Aug 21 Aug 21 STAUFFERS OF KISSEL HILL MECHANICSBUR PA 37.09
Foes TOTAL FEES FOR THIS PERIOD $ 0.00
Interest charged INTEREST CHARGE ON PURCHASES E 57.67
INTEREST CHARGE ON CASH ADVANCES 0.00
INTEREST CHARGE ON BALANCE TRANSFERS 0.00
TOTAL WTEREST FOR THIS PERIOD 57.67
2010 Totals Year-to-Date
TOTAL FEES CHARGED IN 2010 $ 0.00
TOTAL INTEREST CHARGED IN 2010 433.07
9461849
Questions? Visit www.Discovw.com or
call 1.800-DISCOVER (1-800-347.2683). DISCOVER
DISCOVER $3Now Bal
,BS4.95ce
27 SDSN6A01 0010387
RICHARD ANGLEMEYER
117 MAPLE DR
MECHANICSBURG PA 17050-2765
Minimum Payment Due Account Number ending in 8395
$78.00 Enter Amount Enclosed Below
Payment Due Date J $
October 22, 2010
Pay online at www.Discover.com or make check
payable to Discover Phone and interest
payments must be made by 5:00pm ET for some
day posting.
Text APP to DISCOV' to receive a link to our
free mobile app and pay your bill in seconds
from anywherel
PO BOX 71084 111111111111111111111118111
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change8 lulrllnlnrl?llurlnlrlurllllurlulnlullnlulnlrlull
Go to wwwMiscover eom or print change in space above.
000001986623637932356038549500080000007800
Opening Data: August 28, 2010 - Dosing Dade: Sept,
Discover More Card Account Summary
Account number ending in 8395
Previous Balance $3,872.81
Payments And Credits 80.00
Purchases + 0.00
Balance Transfers + 0.00
Cash Advances + 0.00
Interest Charged + 62.14
Fees Charged + 0.00
New Balance 3,854.95
See Interest Charge Calculation section following
transactions for detailed APR information
Credit Line $4,200,00
Credit Line Available $345.00
Cash Advance Credit Line $2,200,00
Cash Advance Credit Line Available $345.00
Anniversary Month
June
Opening Cashbock Bonus Balance $ 18.65
New Cashbock Bonus This Period + 0.00
Cashback Bonus Balance - --$ -- 18.65
To learn more, log in at www.Discover.com
3 Easy Ways to Contact Us
1 Access your account securely at www.Discovw.com
2. Call 1-800-DISCOVER (1-800-347.2683)
Please have your Discovers card available.
3. Write to us at Discover, PO Box 30943,
Salt Lake City, UT 84130 (Not a payment address)
For payments, please send to address on remittance or
Discover, PO Box 6103, Carol Stream, IL 60197.6103
For TDD (Telecommunications Device for the Deaf)
assistance, please call 1-800347.7449.
mbar 27, 2010
page 1 of 3
Payment Information
Now Balance $3,854.95
Minimum Payment Due $78.00
Payment Due Date October 22, 2010
Late Payment Warning: If we do not receive your minimum
payment by the date listed above, you may have to pay a late
fee of up to $35.00 and your purchase and balance transfer
APRs for new transactions may be increased up to the Penalty
APR of 19.249'• 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 wiRPay off And;you w1
I ct+arget
ti.
balance shown _
up paying an
41Fg A' ?ifrd and on this statement estfmatsd }s?tgt p(
tn14 }:Y`?' f Y in about:
Only the minimum 24 years $11,893
payment
L $141 3 years 82
(Savings - $6,811 )
If you would like information about credit counseling services,
call 1-800-347.1121
Manage Your Account Online at www.Discovor.com
• Access free online tools like Paydown Planer to create a plan
to pay down your balance, securely access statements, pay
bills online and easily track all transactions
• Make your money worth more5m -find easy ways to earn
and redeem cash rewards
NEWI Access your account securely through your
mobile phone
Transactions
Tirons. l Dutt*
9461849
Payments and Credits Sep 14 Sep 14 PAYMENT THANK YOU $ -80.00
Fees TOTAL FEES FOR THIS PERIOD $ 0.00
Interest Charged INTEREST CHARGE ON PURCHASES $ 62.14
INTEREST CHARGE ON CASH ADVANCES 0,00
INTEREST CHARGE ON BALANCE TRANSFERS 0,00
TOTAL INTEREST FOR THIS PERIOD 62.14
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DIS VER
DISCOVER
New Balance ^Minimum Payment Due
$3,834.78 $76.00
Payment Due Date
November 22, 2010
27 SDSN6A01 0010388
RICHARD ANGLEMEYER
117 MAPLE DR
MECHANICSBURG PA 17050-2765
Account Number ending in 8395
Enter Amount Enclosed Below
Pay online at www.Discover.com or make check
payable to Discover Phone and internet
payments must be made by 5:00pm ET For some
day posting.
Ted APP to DISCOV' to receive a link to our
free mobile app and pay your bill in seconds
from anywhere)
PO BOX 71084 Illrrrlirirrslrllrerlrrrlll
CHARLOTTE NC 28272-1084
Address,e-moilortelephonechange? l ulilltrlinlrllnrlrrlrlrfill lnIIfIlnlullnlulnlrlrtl1
Go to www.DiKavw.com or print change in space above.
000001986623637932356038347800080000007600
Opwing Date: 5aptunber 28, 2010 - Closing DaN: C
I Discover More Card Account Summary Account number ending in 8395
Previous Balance $3,854.95
Payments And Credits 80.00
Purchases + 0.00
Balance Transfers + 0.00
Cash Advances + 0.00
Interest Charged + 59.83
Fees Charged + 0.00
New Balance 3,834.78
See Interest Charge Calculation section following
transactions for detailed APR information
Credit Line $4,200.00
Credit Line Available $365.00
Cash Advance Credit Line $2,200.00
Cash Advance Credit Line Available $365.00
Anniversary Month
June
Opening Cashback Bonus Balance $ 18.65
New Cashback Bonus This Period + 0.00
Ceshbock bonus bafancs $ 18.65
To learn more, log in of www.Discover.com
3 Easy Ways to Contact Us
1 Access your account securely at www.Discover.com
2. Call 1-8004DISCOVER (1.800.347.2683)
Please have your Discovers card available.
3. Write to us at Discover, PO Box 30943,
Salt Lake City, UT 84130 (Not a payment address)
For payments, please send to address on remittance or
Discover PO Box 6103, Carol Stream, IL 60197-6103
For TDD (Telecommunications Device for the Deaf)
assistance, please cab 1-800.347.7449.
dolor 27, 2010
D>'oae 1 of 3
Payment Information
New Balance $3,834.78
Minimum Payment Due $76.00
Payment Due Date November 22, 2010
Loin Paytrsent Warning: If we do not receive your minimum
payment by the date listed above, you may have to pay a late
fee of up to $35.00 and your purchase and balance transfer
APRs for new transactions may be increased up to the Penally
APR of 19.24% varioble.
Minimum Payment Warning: If you make only the minimum
payment each period, you will pay more in interest and it will
take you longer to pay off your balance. For example:
'
'<'f+in'EJes '`listlarsCi?f+vsyn itP?ayurg.an,
7hfs card and 64 stmt. axrooad 04 Of
rwtlh Y" Pcry. f lxwt .....
Only the minimum 24 years $11,801
payment
$140 3 years 5,057
(Sovi s . $6,744
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 more sm-find easy ways to earn
and redeem cash rewards
• NEWT Access your account securely through your
mobile phone
Transactions
Trans. Post
P461849 Date Date
yrnenh and Credits Oct 13 Oct 13 PAYMENT THANK YOU $ .80.00
Fees TOTAL FEES FOR TENS PENIOD $ 0.00
Inbred Charged INTEREST CHARGE ON PURCHASES S 59.83
INTEREST CHARGE ON CASH ADVANCES 0.00
INTEREST CHARGE ON BALANCE TRANSFERS 0,00
TOTAL INTEREST FOR THIS PERIOD 59.83
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION D' ER
DISCOVER
New Balance Minimum Payment Due
$3,845.81 $77.00
Payment Due Date
December 22, 2010
27 SDSN6A01 0010389
RICHARD ANGLEMEYER
117 MAPLE DR
MECHANICSBURG PA 17050-2765
Account Number ending in 8395
Enter Amount Enclosed Below
$ -1
Pay ovine at www.Discover.com or make check
payable to Discover Phone and inferno
payments must be made by 5:00pm ET for same
day posting.
Text APP to DISCOV' to receive a link to our
free mobile app and pay your bill in seconds
from anywhereI
PO BOX 71084 Illusllnnslrllr,rluslll
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change?
Go to www.D6c~.com or print change in space above.
000001986623637932356038458100080000007700
Opening Date: October 28, 2010 Oiosing Date: Nov
Discover More Card Account Summary
Account number ending in 8395
Previous Balance $3,834.78
Payments And Credits 80.00
Purchases + 29.49
Balance Transfers + 0.00
Cash Advances + 0.00
Interest Charged + 61.54
Fees Charged + 0.00
New 8a?ce X3,845.81
See Interest Charge Calculation section following
transactions for detailed APR information
Credit Line $4,200.00
Credit Line Available $354.00
Cash Advance Credit Line $2,200.00
Cash Advance Credit Line Available $354.00
caAbo& Bons! Anniversary Month
June
Opening Cashback Bonus Balance $ 18.65
New Cashback Bonus This Period + 0.07
Cashba& Saws 8alancs ------- $ -- 18.72
To learn more, leg in of www.Dismver.com
3 Easy Ways to Contact Us
1 Access your account securely at www.Discaver.com
2. Call 1-800-DISCOVER (1-800.347.2683)
Please have your Discover®cord 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, Card Stream, IL 60197-6103
For TDD (Telecommunications Device for the Deaf)
assistance, please call 1-800.347-7449-
ember 27, 2010
page 1 of 2
Payment Information
New Balance $3,845.81
Minimum Payment Due $77,00
Payment Due Date December 22, 2010
Lab 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 19.2A% variable.
Minimum Payment Warning: If you make only the minimum
payment each period, you will pay more in interest and it will
take you longer to pay off your balance. For example:
ou MI Pay A " you V49
, the balance shown up.ptryleg pn..
d on thrs statement 00I0bcl vo:
in about.
RE
um 24 years $11,847
1 $141 3 years 0
(Savings . $6777)
If you would like information about credit counseling services,
call 1.800.347.1121
Manage Your Account Online at www.Discovw.com
• Access free online tools like Paydown Planner to create a plan
to pry down your balance, securely access statements, pay
bills online and easily track all transactions
• Make your money worth moresm-find easy ways to earn
and redeem cash rewards
• NEWT Access your account securely through your
mobile phone
Transactions
TDate Post
9461849 Date
Payments and Credits Nov 9 Nov 9 PAYMENT THANK YOU $ -80.00
Gasoline Nov 18 Nov 18 KWIK FILL MECHANICSBURGPA $ 20.00
Home Improvement Nov 15 Nov 15 LOWE'S OF MECHANICSBURG, MECHANICSBURGPA 9.49
Fees TOTAL FEES FOR THIS PERIOD $ 0.00
Interest Charged INTEREST CHARGE ON PURCHASES $ 61.54
INTEREST CHARGE ON CASH ADVANCES 0.00
INTEREST CHARGE ON BALANCE TRANSFERS 0.00
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DIS
DISCOVER
New Balance I Minimum Payment Due
$3,844.05 1$76.00
Payment Due Date
January 22, 2011
27 SDSNSA01 0010390
RICHARD ANGLEMEYER
117 MAPLE DR
MECHANICSBURG PA 17050-2765
Account Number ending in 8395
Enter Amount Enclosed Below
Pay online at www.Discover.com or make check
payable to Discover Phone and ineernet
payments must be made by 5:OOpm ET for some
day posting.
Text APP to DISCOV• to receive a link to our
free mobile app and pay your bill in seconds
from anywherel
PO BOX 71084 IIIurlluusls?Inrlnrll)
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change?
)nlrllnlnr)rllurln?r)ur))?Intlu?ulul)n(n(u)rlul)
Go to www.D6cover.com or print change in space above.
000001986623637932356038440500080000007600
apetnng uap: November 28, 2010 - Closing Date: fJ
Discover More Card Account Summary Account number ending in 8395
Previous Balance $3,845.81
Payments And Credits 80.00
Purchases + 18.64
Balance Transfers + 0.00
Cash Advances + 0.00
Interest Charged + 59.60
Fees Charged +
0.00
New BO no»e _
_
3,844.05
See Interest Charge Calculation section following
transactions for detailed APR information
Credit Line $4,200.00
Credit Line Available $355.00
Cash Advance Credit Line $2,200.00
Cash Advance Credit Line Available $355.00
Anniversary Month
June
Opening Cashback Bonus Balance $ 18.72
New Cashbook Bonus This Period + 0.04
Cashbook Bonus Balance ---- $ ---18.76
To learn more, log in at www.Dowover.com
3 Easy Ways to Contact Us
1 Access your account securely of www.Discover.com
2. Call 1-800-DISCOVER (1-800.347-2683)
Please have your Discover* card available.
3. Write to us at Discover PO Box 30943,
Salt take City, UT 841 r30 (Not a payment address)
For payments, please send to address on remittance or
Discover, PO Box 6103, Card Stream, IL 60 1 9 7-6 1 03
For TDD (Telecommunications Device for the Deaf)
assistance, please call 1-800-347.7449.
somber 27, 2010
page 1 of 2
Payment Information -
New Balance $3,844.05
Minimum Payment Due $76.00
Payment Due Date January 22, 2011
Lab 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 19.24`Ye variable.
Minimum Payment Warning: If you make only the minimum
payment each period, you will pay more in interest and it will
take you longer to pay off your balance. For example:
f Yntt Al aA.: 1 au: wtR } tiff Ats .yft
ntlal,al o fWt the balaitf b(ftlty{lt t?t!!kYirtB an
A
ca
#? is tz)).40p
on.
lhts atol?eni
.
mated Dotal of
yW.:P!ssy n xVaaut . ......
.............
Only the minimum 24 years $11,845
payment
$141 3 years
(Savings = $6,776 )
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 more sm-find easy ways to earn
and redeem cash rewards
• NEWI Access your account securely through your
mobile phone
Transactions
Trans. i9461849 eDte
Payments and Credits Dec 7 Dec 7 PAYMENT THANK YOU $ .80.00
Supermarkets Dec 12 Dec 12 GIANT FOOD #005 MECHANICSBURGPA $ 18-64
010031
Fees TOTAL FEES FOR THIS PERIOD $ 0.00
Interest Charged INTEREST CHARGE ON PURCHASES $ 59.60
INTEREST CHARGE ON CASH ADVANCES 0.00
INTEREST CHARGE ON BALANCE TRANSFERS 0.00
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC RY
DISCOVER
New Balance Minimum Payment Due
$3,826.04 _ $77.00
Payment Due Date
February 22, 2011
27 SDSN6A010010391
RICHARD ANGLEMEYER
117 MAPLE DR
MECHANICSBURG PA 17050-2765
Account Number ending in 8395
Enter Amount Enclosed Below
Pay online at www.Discover.com or make check
payable to Discover Phone and internet
payments must be made by 5:00pm ET for some
day posting.
Text APP to DISCOV• to receive a link to our
free mobile app and pay your bill In seconds
from anywhere)
PO BOX 71084 lllurllrrrnlrllrsslrwlll
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change?
Go to www.D scover corn or prim change in space above.
000001986623637932356038260400080000007700
Upelung Dale: December 25, 2010 - Closing Date: Jc
Discover More Card Account Summary Account number ending in 8395
Previous Balance $3,844.05
Payments And Credits 80.00
Purchases + 0.00
Balance Transfers + 0.00
Cash Advances + 0.00
Interest Charged + 61.99
Fees Charged + 0.00
New Balance 3,826.04
See Interest Charge Calculation section following
transactions for detailed APR information
Credit Line $4,200.00
Credit Line Available $373.00
Cash Advance Credit Line $2,200.00
Cash Advance Credit Line Available $373.00
Opening Cashback Bonus Balance
New Cashback Bonus This Period
Cas66eck Bonus bafanc• -
To born more, log in al www.Discover.com
S 18.76
3 Easy Ways to Contact Us
1 Access your account securely at www.Discover.com
2. Call 1-800-DISCOVER (1.804347-2683)
Please have your Discovers card available.
3. Write to us at Discover, PO Box 30943,
Salt Lake City, UT 84130 (Not a payment address)
Far payments, please send to address on remittance or
Discover, PO Box 6103, Card Stream, IL 60 1 97-6 1 03
For TDD (Telecommunications Device for the Deal)
assistance, please call 1-804347-7449
nuary 27, 2011
page 1 of 2
Payment Information
New Balance $3,826.04
Minimum Payment Due $77.00
Payment Due Date February 22, 2011
tale Payment Warning: If we do not receive your minimum
payment by the date listed above, you may have to pay a late
fee of up to $35.00 and your purchase and balance transfer
APRs for new transactions may be increased up to the Penally
APR of 19.24% variable.
Minirrnum 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:
Ikly
yoiYJildki f70 Y ou wig
"' 60, ' `.yoo lYi
qddition.al chortles the balance shvwa up paying as
wi thls cart) pnd.; on this sk{Mmsnt . e#imahd tottil of
Only the minimum 24 years $11,754
payment
$140 3 years
$5 47
(Saving
s . $6707)
If you would like information about credit counseling services,
call 1-604347.1121
Manage Your Account Online at www.Discovw.com
• Access free online tools like Paydown Planner to create a plan
to pay down your balance, securely access statements, pay
bills online and easily track all transactions
• Make your money worth moresm-find easy ways to earn
and redeem cash rewards
• NEWT Access your account securely through your
mobile phone
Transactions
9461849 Trans. Date Post
Payments and Crodils Jan 19 Jan 19 PAYMENT THANK YOU $ -80.00
Fees TOTAL FEES FOR THIS PERIOD $ 0,00
Interest Charged INTEREST CHARGE ON PURCHASES $ 61.99
INTEREST CHARGE ON CASH ADVANCES 0,00
INTEREST CHARGE ON BALANCE TRANSFERS 0.00
TOTAL INTEREST FOR THIS PERIOD 61.99
Anniversary Month
June
$ 18.76
+ 0.00
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC ER
DISCOVER
New Balance Minimum Payment Due
$3,807.67 $77.00 _-i
Payment Due Date
March 22, 2011
27 SDSN6A01 0010392
RICHARD ANGLEMEYER
117 MAPLE DR
MECHANICSBURG PA 17050-2765
vary 27, 2011
PO BOX 71084 Illurllnnrlrllrrrlorlll
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? I1111111111111111rrr1ItIIII1111111111111rr111111till 1111111111
Go to www.Discover.com or print change in space above.
000001986623637932356038076700080000007700
Opening Date: January 28, 2011 - Closing Date: Feb
Discover More Card Account Summary
Account number ending in 8395
Previous Balance $3,826.04
Payments And Credits 80.00
Purchases + 0.00
Balance Transfers + 0.00
Cash Advances + 0.00
Fees Charged + 0.00
Interest Charged + 61.63
New Balance 3,807.67
See Interest Charge Calculation section follow ing
transactions for detailed APR information
Credit line $4,200.00
Credit Line Available $392.00
Cash Advance Credit Line $2,200.00
Cash Advance Credit Line Available $392.00
Opening Cashback Bonus Balance
New Cashback Bonus This Period
Cshb
aock Bonus Balance
To leam more, log in al www.Diwwer.com
Anniversary Month
June
$ 18.76
+ 0.00
_ $ - 18.76
3 Easy Ways to Contact Us
1 Access your account securely of www.Discover.com
2. Call 1-800-DISCOVER (1.800347-2683)
Please have your Discovers card available
3. Write to us at Discover, PO Box 30943,
Salt Lake City, UT 84130 (Not a payment address)
For payments, please send to address on remittance or
Discover, PO Box 6103, Carol Stream, IL 60197-6103
For TDD (Telecommunications Device for the Deaf)
assistance, please call 1.800.347-7449.
Account Number ending in 8395
Enter Amount Enclosed Below
Pay online at www.Di3cover.com or make check
payable to Discover Phone and irdernet
payments must be made by 5:00pm ET for same
day posting.
Text APP to DISCOW to receive a link to our
free mobile app and pay your bill in seconds
from anywhere!
Daae 1 of 2
Payment Information
New Balance $3,807.67
Minimum Payment Due $77,00
Payment Due Date March 22, 2011
Late Payment Warning: If we do not receive your minimum
payment by the date listed above, you may have to pay a kite
fee of up to $35.00 and your purchase and balance transfer
APRs For new transactions may be increased up to fhe Penalty
APR of 19.24% variable.
Minimum Payment Warning: If you make only the minimum
payment each period, you will pay more in interest and it will
take you longer to pay off your balance. For example:
y41t:Alditlt rtl?:..::" You wtlFpoyofF 'Ow:y4w wl l d
t charges the balance shown up poying on
slag s tsprd at?d art fhra stwernort estimated IQ**,
t#lOnffl yov'poy ff!'about
Only the minimum 23 years $11,658
payment
$140 3 years 15,024
(Savings . $6,63A II
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 y 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
9461849 oat:'' PDo e
Payments and Credits Feb 15 Feb 15 PAYMENT THANK YOU $ -80.00
Fees TOTAL FEES FOR THIS PERIOD $ 0.00
hderarst Charged INTEREST CHARGE ON PURCHASES $ 61.63
INTEREST CHARGE ON CASH ADVANCES 0.00
INTEREST CHARGE ON BALANCE TRANSFERS 0.00
TOTAL INTEREST FOR THIS PERIOD 61,63
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DW ER
DISCOVER
New Balance Minium Payment Due
$3,774.94 [$75
.mo0
Payment Due Date
Apra 22, 2011
27 SDSN6A01 0010393
RICHARD ANGLEMEYER
117 MAPLE DR
MECHANICSBURG PA 17050-2765
rch 27, 2011
PO BOX 71084 Illr,rll.,rrrlrllr,rlrnlll
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? III IIIIIIIIUIIIII IIIIIIIIrllllllrrrlllllllrrlll ll llllrll ll 111
Go to www.DiKovw.com or print change in space above.
000001986623637932356037749400088000007500
vpentng uale: rebruaty 21111, 20I I - Closing Date: Mc
I Discover More Card Account Summary Account number ending in 8395
Previous Balance $3,807.67
Payments And Credits 88.00
Purchases + 0.00
Balance Transfers + 0.00
Cash Advances + 0.00
Fees Charged + 0.00
Interest Charged + 55.27
-
New Balance 53,774.94
See Interest Charge Calculation section following
transactions for detailed APR information
Credit Line $4,200.00
Credit Line Available $425.00
Cash Advance Credit Line $2,200.00
Cash Advance Credit Line Available $425.00
...+ N. ft w.'va Anniversary Month
June
Opening Cashbock Bonus Balance $ 18.76
New Cashbock Bonus This Period + 0.00
Codrbadc Bonus balance _ $ 18.76
To learn more, log in of www.Discover.com
3 Easy Ways to Contact Us
1 Access your account securely at www.Discovw.com
2. Cog 1-800-DISCOVER (1-800-347-2683)
Please have your Discovere card available.
3. Write to us at Discover PO Box 30943,
Salt Lake City, UT 84130 (Not a payment address)
For payments, please send to address on remittance or
Discover, PO Box 6103, Carol Stream, IL 60197.6103
For TDD (Telecommunications Device for the Deaf)
assistance, please call 1.800-347-7449.
Account Number ending in 8395
Enter Amount Enclosed Below
$r
Pay online at www.Discover.com or make check
payable to Discover Phone and intemet
payments must be made by 5:00pm ET for same
day posting.
Text APP to DISCOW to receive a link to our
free mobile app and pay your bill in seconds
from anywherel
page 1 of 2
Payment Information
New Balance $3,774.94
Minimum Payment Due $75.00
Payment Due Date April 22, 2011
Late Payment Warning: If we do not receive your minimum
payment by the date listed above, you may have to pay a late
fee of up to $35.00 and your purchase and balance transfer
APRs for new transactions may be increased up to the Penalty
APR of 19.24% variable.
Minimum Payment Warning: If you make only the minimum
payment each period, you will pay more in interest and it will
take you longer to pay off your balance. For example:
Yotr+ C 01 M 16u w7#Say Tiff AllCf< ti Wtlr Aid:
mo001 charges the f>akrnce shown up paying an
y) tNs zlprd and on this statement estimated total of.
y°-! pay , in about
Only the minimum 23 years $11,526
payment
$138 3 years ,981
(Savi s • $6,545)
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 Poydown Planner to create a plan
to pay down your balance, securely access statements, pay
bills online and easily hack all transactions
• Make your money worth morel-find easy ways to earn
and redeem cash rewards
• NEWT Access your account securely through your
mobile phone
Transactions
9461849 TDats' Dom.
Payrnwft and Credos Mar 15 Mar 15 PAYMENT THANK YOU $ .88.00
Fees TOTAL FEES FOR THIS PERIOD $ 0.00
Inland Charged INTEREST CHARGE ON PURCHASES $ 55.27
INTEREST CHARGE ON CASH ADVANCES 0.00
INTEREST CHARGE ON BALANCE TRANSFERS 0.00
TOTAL INTEREST FOR THIS PERIOD 55.27
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER
DISCOVER $3Now Bal
,745.55ce
27 SDSN6A010010394
RICHARD AHGLEMEYER
117 MAPLE DR
MECHANICSBURG PA 17050-2765
Minimum Payment Due Account Number ending in 8395
$76.00 J Enter Amount Enclosed Below
__
Payment Due Date
M
ay 22, 2011
Pay online at www.Discover.com or make check
payable to Discover. Phone and internal
payments must be made by 5:00pm ET for some
day pasting.
Text APP to DISCOW to receive a link to our
free mobile app and pay your bill in seconds
from anywhere!
PO BOX 71084 111111111111111 111111111111
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? loll n1{r1IniLlLrnlr,loll , J1111rJr1LJn,1Ir1L,ln,lrlr,11
Go to www.D6wwr.corn or print change in space above.
000001986623637932356037455500090000007600
Cltating L1ale: Mardi 28, 2011 - Closing Dote: April
Discover More Card Account Summary
Account number ending in 8395
Previous Balance $3,774.94
Payments And Credits 90.00
Purchases + 0.00
Balance Transfers + 0.00
Cash Advances + 0.00
Fees Charged + 0.00
Interest Charged + 60.61
New Balance _
3,745.55
See Interest Charge Calculation section following
transactions for detailed APR information
Credit Line $4,200.00
Credit Line Available $454.00
Cash Advance Credit Line $2,200.00
Cash Advance Credit Line Available $454.00
wa..w?w .+....w Anniversary Month
June
Opening Cashbock Bonus Balance $ 18.76
New Cashbock Bonus This Period + 0.00
Cas66adr Bens Uance $ 18.76
To learn more, leg in at www.Discover.com
27, 2011
Die 1 o12
Payment Information
New Balance $3,745.55
Minimum Payment Due $76.00
Payment Due Date May 22, 2011
Late Payment Warning: If we do not receive your minimum
payment by the date listed above, you may have to pay a late
fee of up to $35.00 and your purchase and balance transfer
APRs for new transactions may be increased up to the Penalty
APR of 19.24% variable.
Mininum Payment Warning: If you make only the minimum
payment each period, you will pay more in interest and it will
take you longer to pay off your balance. For example:
f you mdce'iia` You will pay off And>you wiN lnd
ddiNonol chtsmOS balance shown uppa}nngan
Jai 0i cftBit d on:this stofeT ent. es#maled total of..
1041$t}`ptr) rnkuW: .......
Only the minimum 23 years $11,377
payment
$137 3 years
I
2
(Savings - $6,435 )
If you would like information about credit counseling services,
call 1.800.347 1121
3 Easy Ways to Contact Us Manage Your Account Online at www.Discom.com
1 Access your account securely at www.Discover.com
2. Call 1.8MDISCOVER (1-800-347-2683)
Please have your Discovere card available a Access free online tools like Paydown Planner to create a plan
to down your balance, securely access statements, pay
b
.
3. Write to us at Discover PO Box 30943, ills online and easily track all transactions
Sah Lake City, UT 841 §0 (Not a payment address) • Make your money worth moresm-find easy ways to earn
For payments, please send to address on remittance or and redeem cash rewards
Discover, PO Box 6103, Carol Stream, IL 60197.6103 a NEWI Access your account securely through your
For TDD (Telecommunications Device for the Deaf) mobile phone
assistance, please call 1-800-347-7449.
Transactions
9461849 Dates Post a
PaMmft and Credits Apr 12 Apr 12 PAYMENT THANK YOU $ .90.00
Fes TOTAL FEES FOR THIS PERIOD $ 0.00
Interest Charged INTEREST CHARGE ON PURCHASES $ 60.61
INTEREST CHARGE ON CASH ADVANCES 0,00
INTEREST CHARGE ON BALANCE TRANSFERS 0.00
TOTAL INTEREST FOR THIS PERIOD 60.61
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DI R
DISCOVER
New Balance I Minimum Payment Due
$3,713.61 $74.00 _ -?
Payment Due Date
June 22, 2011
27 SDSWA01 0010395
RICHARD ANGLEMEYER
117 MAPLE DR
MECHANICSBURG PA 17050-2765
Account Number ending in 8395
Enter Amount Enclosed Below
$
Pay online at www.Discover.com or make check
payable to Discover. Phone and Internet
payments must be made by 5:00pm ET for some
day posting.
Text APP to DISCOV' to receive a ink to our
free mobile app and pay your bill in seconds
from anywhere!
PO BOX 71084 111111111111111111111111 gill
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change?
Go to www.Discovw.com or print change in space above.
000001986623637932356037136100090000007400
opening vote: April 28, 2011 - Closing Dab:
Discover More Card Account Summary
Account number ending in 8395
Previous Balance $3,745.55
Payments And Credits 90.00
Purchases + 0.00
Balance Transfers + 0.00
Cash Advances + 0.00
Fees Charged + 0.00
Interest Charged + 58.06
New Balance X3,713 61
Sae Interest Charge Calculation section following
transactions for detailed APR information
Credit Line $4,200.00
Credit Line Available $486.00
Cash Advance Credit Line $2,200.00
Cash Advance Credit Line Available $486.00
Anniversary Month
June
Opening Cashbock Bonus Balance $ 18.76
New Cashbock Bonus This Period + 0.00
Cashback Bonus Balance -- - $ 18.76
To learn more, log in at www.biscovor.com
3 Easy Ways to Contact Us
1 Access your account securely at www.D6cover.com
2. Call 1-800-DISCOVER (1-800.347.2683)
Please have your Discovers card available
3. Write to us at Discover, PO Box 30943,
Salt Lake City, UT 84130 (Not a payment address)
For payments, please send to address on remittance or
Discover, PO Box 6103, Carol Stream, IL 60197-6103
For TDD (Telecommunications Device for the Deaf)
assistance, please call 1-800.347.7449.
F, 2011
page 1 of 2
Payment Information
New Balance $3,713.61
Minimum Payment Due $74.00
Payment Due Date June 22, 2011
Lab Payment Warning: If we do not receive your minimum
payment by the date listed above, you may have to pay a lab
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 19.24% variable.
Minimum Payment Warning: If you make only the minimum
payment each period, you will pay more in interest and it will
take you longer to pay off your balance. For example:
fyaui p no You wilt payoff A . 'yW"*iiff
Nlorted dwrgas the balanc? shown up;{ gyidg an
ong?hlycwd and . 9-this "I'd 0. as#ii te4tltf tQfal 4ai.
oclt mtx1B1 y?;¢x? Ht adtqul
Only the minimum 23 years $11,231
payment
$136
1
3
1 yeah
,900
(Savin s m $6,331 )
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 creek a plan
to pay down your balance, securely access statements, pay
bitls online and easily hack all transactions
• Make your money worth more sm-find easy ways to earn
and redeem cash rewards
• NEWT Access your account securely through your
mobile phone
Transactions
9461849 TDate Post Date
Payments and Credits May 10 May 10 PAYMENT THANK YOU $ -90.00
Fees TOTAL FEES FOR THIS PERIOD $ 0.00
Interest Charged INTEREST CHARGE ON PURCHASES S 58.06
INTEREST CHARGE ON CASH ADVANCES 0,00
INTEREST CHARGE ON BALANCE TRANSFERS 0.00
TOTAL INTEREST FOR THIS PERIOD
58.06
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER
DISCOVER
New Balance , Minimum PaymentDue]
$3,682.09 j $75.00
Payment Due Date
July 22, 2011
27 SDSN6A01 0010396
RICHARD ANGLEMEYER
117 MAPLE DR
MECHANICSBURG PA 17050-2765
2011
PO BOX 71084 III.,rIlr,ralrllr,rlnrlll
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change; ( I Iluiurlrllnrlnlrlnrllllnrlninlullulrrlulrlull
Go to www.Discow.com or print change in space above. r t t
000001986623637932356036829900090000007500
opening Dale: May 28, 2011 - Dosing Date: June 2i
Discover More Card Account Summary Account number ending in 8395
Previous Balance $3,713.61
Payments And Credits 90.00
Purchases + 0.00
Balance Transfers + 0.00
Cash Advances + 0.00
Fees Charged + 0.00
Interest Charged + 59.38
New Balance 3,682799
See Interest Charge Calculation section following
transactions for detailed APR information
Credit Line $5,000.00
Credit Line Available $1,317.00
Cash Advance Credit Line $2,500.00
Cash Advance Credit Line Available $1,317.00
Opening Cashback Bonus Balance
New Cashback Bonus This Period
CaAback Bonus Balance
To learn moan, log in at www.Wnco"r.com
$ 18.76
3 Easy Ways to Contact Us
I Access your account securely at www.DiKow.com
2. Call 1-800-DISCOVER (1.800.347-2683)
Please have your DiscoverO card available.
3. Write to us at Discover, PO Box 30943,
Sak 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 Deal)
assistance, please call 1-800.347.7449
Account Number ending in 8395
Enter Amount Enclosed Below
Pay online at www.Discover.com or make check
payable to Discover Phone and interest
payments must be made by 5:00pm ET For same
day posting.
Text APP to DISCOW to receive a link to our
free mobile app and pay your bill in seconds
from anywhere!
Dace 1 of 2
Payment Information
New Balance $3,682.99
Minimum Payment Due $75,00
Payment Due Date July 22, 2011
Lab Payment Waning: 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 19.24% variable.
Minimum Payment Warning: If you make only the minimum
payment each period, you will pay more in interest and it will
take you longer to pay off your balance. For example:
you Make r1o Y", w1N paynEf ` :'ktid': ut wil : eitd
rtigttul charDbs 1w{once spawn
the up paying an
sing t) is card l t 4:#btement estimated total of
'niArtlfl,?li trr ?Abatlt
Only the minimum 23 years $11,077
payment
$135 3 years 4.859
(Savings - $6,218 )
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
bilb online and easily track all transactions
• Make your money worth moreSM-find easy ways to earn
and redeem cash rewards
• NEWI Access your account securely through your
mobile phone
Transactions
Trans. Post
9461849
Payments and Credits Jun 7 Jun 7 PAYMENT THANK YOU $ -90.00
Fees TOTAL FEES FOR THIS PERIOD $ 0.00
Inbrest Charged INTEREST CHARGE ON PURCHASES $ 59.38
INTEREST CHARGE ON CASH ADVANCES 0.00
INTEREST CHARGE ON BALANCE TRANSFERS 0,00
TOTAL INTEREST FOR THIS PERIOD 59.38
Anniversary Month
June
$ 18.76
+ 0.00
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER
DISCOVER
New Balance Minimum Payment Due
$3,65049 S73. I
Payment Due Date
August 22, 2011
27 SDSN6A010010397
RICHARD ANGLEMEYER
117 MAPLE DR
MECHANICSBURG PA 17050-2765
Account Number ending in 8395
Enter Amount Enclosed Below
Pay online at www.Discover.com or make check
payable to Discover Phone and Internet
payments must be made by 5:00pm ET for same
day posting.
Text APP to D!SCOV• to receive a link to our
free mobile app and pay your bill In seconds
from anywhere!
PO Box 71084 11111111111111411111111 mill
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? +nlr??n?nr?r?lmin?rlnrllllnrlrrlnlullnlnlnlrlnl?
Go to www.Discovw.com or print change in space above.
000001986623637932356036504900090000007300
Opening Dale: June 28, 2011 - Closing Date: July 27, 2011
Discover More Card Account Summary
Account number ending in 8395
Previous Balance $3,682.99
Payments And Credits 90.00
Purchases +
B
l
T
f 0.00
a
ance
rans
ers + 0.00
Cash Advances + 0.00
Fees Charged + 0.00
Interest Charged + 57.50
New Balance _
$3,650.49
See Interest Charge Calculation section following
transactions for detailed APR information
Credit Line $5,000,00
Credit Line Available $1,349.00
Cash Advance Credit Line $2,500.00
Cash Advance Credit Line Available $1,349.00
wa••wq.n sivrrw Anniversary Month
June
Opening Cashbock Bonus Balance $ 18.76
New Cashback Bonus This Period + 0.00
Cashback Bonus Balance - - $ 18.76
To learn more, log in at www.Diswver.com
3 Easy Ways to Contact Us
1 Access your account securely at www.Discovw.com
2. Call 1-800-DISCOVER (1-800.347-2683]
Please have your Discovere card available.
3. Write to us at Discover, PO Box 30943,
Salt Lake City, UT 84130 (Not a payment address)
For payments, please send to address on remittance or
Discover, PO Box 6103, Card Stream, IL 60197.6103
For TDD (Telecommunications Device for the Deal)
assistance, please call 1-800.347-7449
page 1 of 2
Payment Information
New Balance $3,650.49
Minimum Payment Due $73.00
Payment Due Date August 22, 2011
Late Payrnent 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 19.24% variable.
Minitnum Payment Warning: If you make only the minimum
payment each period, you will pay more in interest and it will
take you longer to pay off your balance. For example:
f eltake no< " Yau'wi11 aff''
?r Anel ,.
1?'?? vrn
ditioml s the balance shown
up f?n41 .m .
W'g thtb card and on: this statement 001maled`te l of
aCh illwdkr YW pay iii about.
Only the minimum 23 years $10,928
payment
$134 3 years 4,816
(Savings - $6,112 )
If you would like information about credit counseling services,
call 1.800-347.1121
Manage Your Account Online at www.Discovw.com
• Access free online tools like Paydown Planner to create a plan
to pay down your balance, securely access statements, pay
bills online and easily track all transactions
• Make your money worth moresm-find easy ways to earn
and redeem cash rewards
• NEWI Access your account securely through your
mobile phone
Transactions
9461849 Trans. Post Date
Payrents and Credits Jul 19 Jul 19 PAYMENT THANK YOU $ -90.00
Fees TOTAL FEES FOR THIS PERIOD $ 0.00
Interest Charged INTEREST CHARGE ON PURCHASES $ 57.50
INTEREST CHARGE ON CASH ADVANCES 0,00
INTEREST CHARGE ON BALANCE TRANSFERS 0.00
TOTAL (MEREST FOR THIS PERIOD
57.50
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC ER
DISCOVER
New Balance Minimum Payment Due
$3,619.27 $74.00
Payment Due Date
September 22, 2011
27 SDSN8A0t 001 D398
RICHARD ANGLEMEYER
117 MAPLE DR
MECHANICSBURG PA 17050-2765
t7,2011
PO BOX 71084 111... lnurlr??nrlurll?
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? 101111111 11114111 1111111111
Go to www.D6cover.com or print change in space above.
000001986623637932356036192700090000007400
Opening Date: July 28, 2011 - dosing Date: August
Discover More Card Account Summary
Account number ending in 8395
Previous Balance $3,650.49
Payments And Credits 90.00
Purchases + 0.00
Balance Transfers + 0.00
Cash Advances + 0.00
Few Charged + 0.00
Interest Charged + 5818
New Balance -13,619.27
See Interest Charge Calculation section following
transactions for detailed APR information
Credit Line $5,000,00
Credit Line Available $1,380.00
Cash Advance Credit Line $2,500.00
Cash Advance Credit Line Available $1,380.00
Opening Cashback Bonus Balance
New Cashback Bonus This Period
Anniversary Month
June
$ 18.76
+ 0.00
Coshback Bonus Bakmce
To learn mwe, log in at www.Discover.com
$ 18.76
Account Number ending in 8395
Enter Amount Enclosed Below
Pay online at www.Discover.com or mace check
payable to Discover Phone and interest
payments must be made by 5:00pm ET For same
day posting.
Text APP to DISCOV• to receive a link to our
free mobile app and pay your bill in seconds
from anywhere!
Dane 1 of 2
Payment Information
New Balance $3,619.27
Minimum Payment Due $74,00
Payment Due Date September 22, 2011
Late Payment Warning: If we do not receive your minimum
payment by the date listed above, you may have to pay a late
fee of up to $35.00 and your purchase and balance transfer
APRs for new transactions may be increased up to the Penalty
APR of 19.24% variable.
Minimum Payment Waning: 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:
Fyov re aktret3; °" ywllf pdy'60 And. ttts?wilJ e
tN 0 charges the balance shown up part(
re
M.
irgW4 cord PW on this statement estlmsth fotpl>4f
A1skMhSkJ pry: ; in about:
Only the minimum 22 years $10,778
payment
$133 3 years
I
775
(Sevin = $6,003 1
If you would like information about credit counseling services,
call 1-800.347.1121
3 Easy Ways to Contact Us Manage Your Account Online at www.Discovor.com
1 Access your account securely at wwwMiscover eom
2. Call 1-800-DISCOVER (1-800.347-2683)
Please have your Discoverecard available • Access free online tools like Paydown Planner to create a plan
to pay down your balance, securely access statements, pay
b
l
l
.
3. Write to us of Discover
PO Box 30943 i
ls on
ine and easily track ail transactions
,
,
Sah Lake City, UT 84130 (Not a payment address
• Make your money worth more sm-find easy ways to earn
se
For payments, plea send to address on remittance or and redeem cash rewards
Discover PO Box 6
103, Carol Stream, IL 60197.6103 • NEWT Access your account securely through your
For TDD (Telecommunications Device for the Deal) mobile phone
assistance, please call 1-800.347-7449.
Transactions
9461849 Dates PDaatte
Payments and Credits Aug 16 Aug 16 PAYMENT THANK YOU $ -90.00
Fees TOTAL FEES FOR THIS PERIOD $ 0.00
Interest Charged INTEREST CHARGE ON PURCHASES $ 58,78
INTEREST CHARGE ON CASH ADVANCES 0,00
INTEREST CHARGE ON BALANCE TRANSFERS 0.00
TOTAL INTEREST FOR THIS PERIOD 58,78
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DIS VER
,587.40 ance
DISCOVER $3Now Bal
27 SDSN6A01 0010399
RICHARD ANGLEMEYER
117 MAPLE DR
MECHANICSBURG PA 17050-2765
Minimum Payment Due
i $74.00
Payment Due Date
Ocro!»r 22, 2011
Address, e-mail or telephone change?
Go to www.Discovar.cam or print change in space above.
Account Number ending in 8395
Enter Amount Enclosed Below
$1
Pay online at www.Di3cover.com or make check
payable to Discover Phone and internal
payments must be made by 5:00pm ET for same
day posting.
Text APP to DISCOV' to receive a link to our
free mobile app and pay your bill in seconds
from anywhere!
PO BOX 71084 116r.llnuelrllosl,rrlll
CHARLOTTE NC 28272-1084
Intl?llrrl?rrlnlln?lulrlrnllllutlnlnlullnl??lnlrlull
000001986623637932356035874000090000007400
Opening Date: August 28, 2011 • Closing Date: Sept!
Discover More Card Account Summary
Account number ending in 8395
Previous Balance $3,619.27
Payments And Credits 90.00
Purchases + 0.00
Balance Transfers + 0,00
Cash Advances + 0.00
Fees Charged + 0.00
Interest Charged + 58.13
New Balance 3,58740
See Interest Charge Calculation section following
transactions for detailed APR information
Credit Line $5,000.00
Credit Line Available $1,412.00
Cash Advance Credit Line $2,500.00
Cash Advance Credit Line Available $1,412.00
Cmhbock Bonus'
Anniversary Month
June
Opening Cashbook Bonus Balance $ 18.76
New Cashbook Bonus This Period + 0.00
CoAdmKk bonus Balance -- - $ --18.76
To learn more, 69 in at www.Discover.com
3 Easy Ways to Contact Us
1 Access your account securely at www.Discavw corn
2. Call 1.800-DISCOVER (1-800.347-2683)
Please have your Discoverecard available
3. Write to us at Discover, PO Box 30943,
Salt Lake City, UT 84130 (Not a payment address)
For payments, please send to address on remittance or
Discover PO Box 6103, Carol Stream, IL 60197.6103
For TDD (Telecommunications Device for the Deaf)
assistance, please cog 1.804347-7449,
nAw 27, 2011
page 1 of 2
Payment Information
New Balance $3,587.40
Minimum Payment Due 574.00
Payment Due Date October 22, 2011
Late Payment Warning: If we do not receive your minimum
payment by the dote listed above, you may have to pay a late
fee of up to $35.00 and your purchase and balance transfer
APRs for new transactions may be increased up to the Penalty
APR of 19.24% variable.
Minimum Payment Warning: if you make only the minimum
payment each period, you will pay more in interest and it will
take you longer to pay off your balance. For example:
yriu You wig pay off And you w 0 r?
itiorool charges the balance shown up paying an
sing tW3 card and on this statement estimated total 0.
ysw pay in blaoul,
Only the minimum 22 years $10,619
Payment
$131 3 years
1 3
(Savin s = $5,886 I
If you would like information about credit counseling services,
call 1-800.347.1121
Manage Your Account Online at www.Diwover.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 frock all transactions
• Make your money worth more sm-find easy ways to earn
and redeem cash rewards
• NEWI Access your account securely through your
mobile phone
Transactions
9461849 TDa`°mies' Date
Payments and Credits Sep 13 Sep 13 PAYMENT THANK YOU $ -90.00
Fees TOTAL FEES FOR THIS PERIOD $ 0.00
Interest Charged INTEREST CHARGE ON PURCHASES $ 58.13
INTEREST CHARGE ON CASH ADVANCES 0.00
INTEREST CHARGE ON BALANCE TRANSFERS 0.00
TOTAL RJTEREST FOR THIS PERIOD
58.13
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISClOVER
DISCOVER $$3,"88.84 Balance
27 SDSN6AOt0010400
RICHARD ANGLEMEYER
117 MAPLE DR
NECHANICSBURG PA 17050-2765
Minimum Payment Dw l
$146.00
i
Payment Due Date
November 22, 2011
Address, e-mail or telephone charga
Go to www.Discaver.com or print change in space above.
Account Number ending in 8395
Enter Amount Enclosed Below
Si I
Please make check payable to Discover Card.
Minimum M.M. includes a past due
amount of =7400Phone and interns! payments
must be made by 5:00pm ET for some
day
posh
T?xt APP to DISCOV• to receive a link to our
free mobile app and pay your bill in seconds
from anywhere!
PO BOX 71084 11111 gill
CHARLOTTE NC 28272-1084
Irilrllrrl?rrlrilrrrlrrlrlrrrllllrrrl?rl??l?rllr?lrrlrrlrlrril
000001986623637932356036688200000000014600
Opening Date: September 28, 2011 - Closing Dale: a
Discover More Card Account Summary
Account number ending in 8395
Previous Balance $3,587.40
Payments And Credits 0.00
Purchases + 0.00
Balance Transfers + 0.00
Cash Advances + 0.00
Fees Charged + 25.00
Interest Charged + 56.42
New Balance -13,668.82
See Interest Charge Calculation section following
transactions for detailed APR information
Credit Line $5,000.00
Credit Line Available $1,331.00
Cash Advance Credit Line $2,500.00
Cash Advance Credit Line Available $1,331.00
W"w Anniversary Month
June
Opening Cashbock Bonus Balance S 18.76
New Cashback Bonus This Period + 0,00
Cashback bonus balance $ 18.76
To learn more, log in of www.Disco~.com
3 Easy Ways to Contact Us
1 Access your account securely at www.Discavor.com
2. Call 1-800-DISCOVER (1-800.347.2683)
Please have your Discovers card available.
3. Write to us at Discover, PO Box 30943,
Salt Lake City, UT 84130 (Not a payment address)
For payments, please send to address on remittance or
Discover, PO Box 6103, Carol Stream, IL 60197-6103
For TDD (felecommunications Device for the DeoQ
assistance, please call 1-800.347-7449.
rIwen Lr, Lv r r page 1 or z
Payment Information
New Balance $3,668.82
Minimum Payment Due* $146.00
Payment Due Date November 22, 2011
*Includes past due amount of $74.00
Lob Paymerd 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 19.24% variable.
Minimum Payment Warning: If you make only the minimum
payment each period, you will pay more in interest and it will
take you longer to pay off your balance. For example:
balance shown on up paying art
Only curd his statdtnb[It itt 9atlf+QY!Ad ?tul t?,
PCVLA
payment
If you would like information about credit counseling services,
call 1-800.347-1121
Y
?xv!lt pa?siff
l+av ? I and ' ..
tfl5lk`ft clt?r?s lance shown on up poying an
nly the minimum 22 years $10,738
Manage Your Account Online at www.Discover.com
• Access free online toils like Paydown Planner to create a plan
to pay down your balance, securely access statements, pay
bills online and easily hack all transactions
• Make your money worth moreSM-find easy ways to earn
and redeem cash rewards
• NEWT Access your account securely through your
mobile phone
Fees Oct 22 Oct 22 LATE FEE
Transactions
9461849 TraDatens. Post
25.00
Interest Charged INTEREST CHARGE ON PURCHASES $ 56.42
TOTAL FEES FOR THIS PERIOD 45,00
INTEREST CHARGE ON CASH ADVANCES 0.00
INTEREST CHARGE ON BALANCE TRANSFERS 0.00
TOTAL INTEREST FOR THIS PERIOD 56.42
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER
DISCOVER $3Now Ba
,763.35cs
27 SDSN6A01 0000084
RICHARD ANGLEMEYER
117 MAPLE DR
MECHANICSBURG PA 17050-2765
i Account Number ending in 8395
Enter Amount Enclosed Below
Please make check payable to Discover Card.
Minimum payment due includes a past due
amount of $146.00. Phone and internal
payments must be made by 5:00pm ET for some
day pesos A.. and manage your account at
www.Discover.com or visit m.discover.com
on your mobile phone.
PO BOX 71044 lllsrsllrrrrrlsllrrrlrrrlll
CHARLOTTE 14C 28272-1084
Address, e-mail or telephone change? ???(rllnlurlrllmlu?r?nr??llnrln?nlnlln?nln???nll
Go to www.DiKovw.com or print change in space above.
000001986623637932356037633500000000022100
Opening Due: Ocbber 28, 2011 Closing Dab: Nov
Discover More Card Account Summary
Account number ending in 8395
Previous Balance $3,668.82
Payments And Credits 0.00
Purchases + 0.00
Balance Transfers + 0.00
Cash Advances + 0.00
Fees Charged + 35.00
Interest Charged + 59.53
New Balance 3,763.35
See Interest Charge Calculation section following
transactions for detailed APR information
Credit Line $5,000,00
Credit Line Available $1,236.00
Cash Advance Credit Line $2,500.00
Cash Advance Credit Line Available $1,236.00
You may be able to avoid Interest Charges, see Additional
Important Information for details.
Anniversary Month
June
Opening Cashbock Bonus Balance $ 18.76
New Cashbook Bonus This Period + 0.00
Cashbook bonus balance $ 18.76
To learn mare, leg in at www.DiKo~.com
page 1 of 2
ember 27, 2011
Payment Information
New Balance $3,763.35
Minimum Payment Due* $221.00
Payment Due Date December 22, 2011
*Includes past due amount of $146.00
lab Payment Warming: 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 19.2A% 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:
Yost .: i :: YotxApayfllte pit 'yam acrd...
itfcyrroi i ce tirowri:an up.paying no>
t+gthitnd aacl oils siatRtnertt in estimated toral,of;
Olay.
Only the minimum 42 years $10,900
payment
If you would like information about credit counseling services,
call 1-800.347.1121
3 Easy Ways to Contact Us Manoge Your Account Online at www.Diuover.com
1 Access your account securely at www.Discover.com
2. Call 1.800-DISCOVER (1-800.347-2683)
Please have your Discovere card available • Access free online tools like Paydown Planner to create a plan
to Pay down your balance, securely access statements, pay
b
l
.
3. Write to us at Discover PO Box 30943 i
s online and easily track all transactions
,
Salt Lake City, UT 841 §0 (Not a payment address)
* Make your money worth more SM -find easy ways to earn
For payments, please send to address on remittance or and redeem cash rewards
Discover. PO Box 6103, Carol Stream, IL 60197.6103 * NEWI Access your account securely through your
For TDD (Telecommunications Device for the Deaf) mobile phone
assistance, please call 1.800.347-7449.
Transactions
Trans. Dab PData
Fees Nov 22 Nov 22 LATE FEE
Minimum Payment Due
i $221.00
Payment Due Date
December 22, 2011
TOTAL FEES FOR THIS PERIOD
35.00
35.00
interest Charged INTEREST CHARGE ON PURCHASES $ 59.53
INTEREST CHARGE ON CASH ADVANCES 0.00
INTEREST CHARGE ON BALANCE TRANSFERS 0.00
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER
DISCOVER $3Now Ba
,76335ce
27 SDSNeAO1 0010401
RICHARD ANGLEMEYER
117 MAPLE DR
MECHANICSBURG PA 17050-2765
Account Number ending in 8395
Enter Amount Enclosed Below
$I
Please make check payable to Discover Card.
Minimum ppaayymment due includes a past due
amount oTS A6.00. Phone and Internet
payments must be made by 5:00pm ET for some
day ?
Text AIP to DISCOV* to receive a link to our
free mobile app and pay your bill in seconds
from anywherel
PO BOX 71084 Ill,edleeeeeLlLeeLrelll
CHARLOTTE NC 28272-1084
Go Address,
to ress, www.Demail'aocover.comcom or or print change in space above. Inlrllulnrlrllurlnlrlrnll1lnrlululnllnlrrlnlrlnll
G
000001986623637932356037633500000000022100
Opening Dote: Odobw 28, 2011 dosing Date: Plow
Discover More Card Account Summary
Account number ending in 8395
Previous Balance $3,668.82
Payments And Credits 0.00
Purchases + 0.00
Balance Transfers + 0.00
Cash Advances + 0.00
Fees Charged + 35.00
Interest Charged + 59.53
New Balance 3,763.35
See Interest Charge Calculation section following
transactions for detailed APR information
Credit Line $5,000.00
Credit Line Available $1,236.00
Cash Advance Credit Line $2,500.00
Cash Advance Credit Line Available $1,236.00
You may be able to avoid Interest Charges, see Additional
Important Information for details.
`^"'•""`" w.nra Anniversary Month
June
Opening Cashback Bonus Balance $ 18.76
New Cashback Bonus This Period + 0,00
Cashback Bonus balance $ 18.76
To learn more, log in at www.Diswver.com
3 Easy Ways to Contact Us
1 Access your account securely at www.D6cover.com
2. Call 1-8DISCOVER (1.800347-2683)
Please have your Discovere card available.
3. Write to us at Discover PO Box 30943,
Soft Lake City, UT 841 r30 (Not a payment address)
For payments, please send to address on remittance or
Discover. PO Box 6103, Card Stream, IL 60197.6103
For TDD (Telecommunications Device for the Deal)
assistance, please call 1-800-3A7-7449,
......v, f•,-I.
Payment Information
New Balance
Minimum Payment Due*
Payment Due Date
*Includes past due amount of $146.00
I Of A
$3,763.35
$221.00
December 22, 2011
Lots Payrrr d 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 19.24% variable.
Miurnwn Payrnent 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:
faeti;; rw Yau will pay aPf tie yu w abi '
tharga bolance shown on up }saying on
1( is coed and
this statement in
estimated total of
ft n 4ftOt YOU pay about.
Only the minimum 22 years $10,900
payment
If you would like information about credit counseling services,
call 1-800.347.1121
Manage Your Account Online at www.Discovw.com
• Access free online tools like Paydown Planner to create a plan
to pay down your balance, securely access statements, pay
bills online and easily track all transactions
• Make your money worth moreSM-find easy ways to earn
and redeem cash rewards
• NEWI Access your account securely through your
mobile phone
ranso ions
Davies Data
Fees Nov 22 Nov 22 LATE FEE $ 35.00
TOTAL FEES FOR THIS PERIOD 35.00
Interest Charged INTEREST CHARGE ON PURCHASES $ 59.53
INTEREST CHARGE ON CASH ADVANCES 0,00
INTEREST CHARGE ON BALANCE TRANSFERS 0.00
Fwlnimum Payment Due
L $221.00
Payment Due Date
December 22, 2011
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DIS MER
New Balance + Minimum Payment Due Account Number ending in 8395
DISCOVER $3,763.35 L$297.00 _ Enter Amount Enclosed Below
Payment Due Date
January 22, 2012
27 SpSN6A010010402
RICHARD ANGLEMEYER
117 MAPLE DR
MECHANICSBURG PA 17050-2765
Text APP to DISCOV• to receive a link to our
free mobile app and pay your bill in seconds
from anywhere!
PO BOX 71084 Ill nrllunslrllurleulll
CHARLOTTE NC 28272-1084
Address, e-mail or telephone changed l I llnlrulrllurlnlrlnrllllrulrrlnlnllnlnlnlrlnll
Go to www.Discovercom or print change in space above.
000001986623637932356037633500000000029700
Openin Dals: Novels- 28 2011 - dos' Dab. r%.. r--- %7 "^"
9 r tnV
Discover More Card Account Summary
Account number ending in 8395
Previous Balance $3,763.35
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 $3,763.35
See Interest Charge Calculation section following
transactions for detailed APR information
.evw Lr r A VI r Page I OT L
Payment Information
New Balance $3,763.35
Minimum Payment Due* $297.00
Payment Due Date January 22, 2012
*Includes past due amount of $221.00
Late Payment Waming: 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 19.24% variable.
Mi durum 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 would like information about credit counseling services,
call 1.800.347.1121
Credit Line $5,000.00
Credit Line Available $0.00
Cash Advance Credit Line $2,500.00
Cash Advance Credit Line Available $0.00
Ca5 BonuSe Anniversary Month
June
Opening Cashback Bonus Balance $ 18.76
New Cashbock Bonus This Period + 0.00
Redeemed This Period 18,76
Ceshbadc Bonus Balance S -- 0.00
To learn more, log in of www.Discw~.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,
Soft 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 Deal)
assistance, please call 1-800-347-7449.
ycui a na ,,, Y zy u< will pay Qlf the Ixt? vA
ynik+tY>)'
tfiaiatcf+atg?s balance shown on ,
up Pa?h9 on
l+g this 44r4') and is statement in
bslit?ated total
pay
mpnth:.y?t
bout.,
Only the minimum 11 years $3,763
payment
Manage Your Account Online at www.Diswver.com
• Access free online tools like Paydown Planner to create a plan
to down your balance, securely access atohments, pay
bills online and easily track all transactions
• Make your money worth morel-find easy ways to earn
and redeem cash rewards
• NEW! Access your account securely through your
mobile phone
YaRifions Trans. Post
Date Dab
Foes TOTAL FEES FOR THIS PERIOD $ 0.00
Interest fJsarged TOTAL INTEREST FOR THIS PERIOD $ 0.00
2011 Totals Year-to-Date
TOTAL FEES CHARGED IN 2011
TOTAL INTEREST CHARGED IN 2011
60.00
647.30
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION D'C •M
New Balance Minimum Payment Due Account Number ending in 8395
DISCOVER $3,763.35 I_ $373.00 J Enter Amount Enclosed Below
Payment Due Dale
February 22, 2012
27 SDSN6A01 0010403
RICHARD ANGLEMEYER
117 MAPLE DR
MECHANICSBURG PA 17050-2765
Text APP to DISCOV• to receive a fink to our
free mobile app and pay your blfi in seconds
from anywhere!
PO BOX 71084 Illnlllnulllllrlllnllll
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change?
(ulll?n?nt(I?lul(nil(nl(I?Ilulnlu?llilulnlu(Iluii
Go to www.Discrosr.com or print change in space above.
000001986623637932356037633500000000037300
Dale: December 28, 2011 -
Discover More Card Account Summary
Account number ending in 8395
Previous Balance $3,763.35
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 3,763.35
See Interest Charge Calculation section following
transactions for detailed APR information
Credit Line $5,000.00
Credit Line Available $0,00
Cash Advance Credit Line $2,500.00
Cash Advance Credit Line Available $0.00
Anniversary Month
June
Opening Cashback Bonus Balance $ 0.00
New Coshback Bonus This Period + 0.00
CadAeck Bonus Warm - -i-- $ 0.00
To learn more, log in at www.Discover.com
3 Easy Ways to Contact Us
1 Access your account securely at www.Discover.corn
2, Call 1-8004DISCOVER (1.800.347.2683)
Please have your Discovers card available.
3. Write to us at Discover, PO Box 30943,
Sah Lake City, UT 84130 (Not a payment address)
For payments, please send to address on remittance or
Discover, PO Box 6103, Carol Stream, IL 60 1 97-6 1 03
For TDD (Telecommunications Device for the Deaf)
assistance, please call 1.800.347-7449.
Payment Information
New Balance
Minimum Payment Due*
Payment Due Date
*Includes post due amount of $297.00
1 ul L
$3,763.35
$373.00
February 22, 2012
Late Payment Warning: If we do not receive your minimum
payment by the date listed above, you may have to pay a late
fee of up to $35.00 and your purchase and balance transfer
APRs for new transactions may be increased up to the Penally
APR of 19.24% variable.
Minimum Payment Warning: If you make only the minimum
payment each period, you will pay more in interest and it will
take you longer to pay off your balance. For example:
you rake no You wilt payoff the Aind year ri I .Ad
of charges balance shown on up paying an
tlSis cad and this statement in atmalpd total of
#I?tdh Y?4:pay , about.
Only the minimum 11 years $3,763
payment
If you would like information about credit counseling services,
call 1-800.347.1121
Manage Your Account Online at www.Discovor.com
• Access free online tools like Paydown Planner to create a plan
to pay down your balance, securely access statements, pay
bills online and easily track all transactions
• Make your money worth moresm-find easy ways to earn
and redeem cash rewards
• NEWI Access your account securely through your
mobile phone
Transactions
Date Post
9461849 Dale
Fees TOTAL FEES FOR THIS PERIOD $ 0.00
kdorest Charged TOTAL INTEREST FOR THIS PERIOD $ 0.00
2012 Totals Year-to-Date
TOTAL FEES CHARGED IN 2012
TOTAL INTEREST CHARGED IN 2012
0.00
0.00
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DI.7t.IOV 1f
New Balance !Minimum Payment Due Account Number ending in 8395
DISCOVER $3,763.35 $449.00 Enter Amount Enclosed Below
27 SDSN6A01 0010404
RICHARD ANGLEMEYER
117 MAPLE DR
MECHANICSBURG PA 17050-2765
Address, e-mail or telephone change;
Go to www.Discover.com or print change in space above.
000001986623637932356037633500000000044900
vptmng ume: Xmuay zo, zu I z - Uoung Daft:
I Discover More Card Account Summary
Account number ending in 8395
Previous Balance $3,763.35
Payments And Credits 0.00
Purchases + 0.00
Balance Transfers + 0.00
Cash Advances + 0.00
Fees Charged + 0.00
Interest C _
+ 0.00
_
Now Bakancs _3,76315
See Interest Charge Calculation section following
transactions for detailed APR information
Credit Line $5,000.00
Credit Line Available $0.00
Cash Advance Credit Line $2,500.00
Cash Advance Credit Line Available $0.00
?.wrruurw verve Anniversary Month
June
Opening Cashback Bonus Balance $ 0.00
New Coshback Bonus This Period + 0.00
Coddmk Bonus Balance $ --- 0.00
To learn more, log in at www.Discovw.com
3 Easy Ways to Contact Us
1 Access your account securely at www.Discover.com
2. Coll 1-800-DISCOVER (1.800.347.2683)
Please have your Diacovere card available.
34 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 (relecommunications Device for the Deaf)
assistance, please call 1-800-347-7449,
Transactions
9461849 Trans. Post Date
Fees TOTAL FEES FOR THIS PERIOD $ 0,00
Merest Charged TOTAL MEREST FOR THIS PERIOD $ 0.00
2012 Totals Year-to-Date
TOTAL FEES CHARGED IN 2012
TOTAL INTEREST CHARGED IN 2012
0.00
0.00
Payment Due Date $
March 22, 2012
Text APP to DISCOV* to receive a link to our
free Mobile app and pay your bill in seconds
from anywhere! PO BOX 71084 Illnrllnnrlrllnnlnnlll
CHARLOTTE NC 28272-1084
IuIJLnLnrlnl lunlndnLnrllllunluLnLnllnnLdul,lull
Lary 27, 2012 page 1 o1F 2
Payment Information
New Balance $3,763.35
Minimum Payment Due* $449.00
Payment Due Date March 22, 2012
*Includes past due amount of $373.00
Late Payment Waning; 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 19.24% variable.
Minimum Payment Warning: If you make only the minimum
payment each period, you will pay more in interest and it will
take you longer to pay off your balance. For example:
If you would like information about credit counseling services,
call 1-800.347.1121
llau '; #o ou wlfl pdy vtlle n,..b+?nvc #ri
1 s
)
1 nce grown On up pg1+f qn
1
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Only the minimum 10 years $3,763
payment
Manage Your Account Online at www.Discover.com
• Access free online tools like Poydown Planner to create a plan
to pay down your balance, securely access statements, pay
bills online and easily track all transactions
• Make your money worth more 5M -find easy ways to earn
and redeem cash rewards
• NEWT Access your account securely through your
mobile phone
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DIC s•
New Balance Minimum Payment Due
DISCOVER $3,763.35 $525.00
Payment Due Date
April 22, 2012
27 SDSN6A01 0010405
RICHARD ANGLEMEYER
117 MAPLE DR
MECHANICSBURG PA 17050-2765
rch 27, 2012
PO BOX 71084 111111111
CHARLOTTE NC 28272-1084
Address, e-mail ortelephonechange? ?n1?n??nr?un?r?11 Go to www.Discover wn or print change in space above.
000001986623637932356037633500000000052500
Opening Date: February 28, 2012 - Closing Dale: Mc
Discover More Card Account Summary
Account number ending in 8395
Previous Balance $3,763.35
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 3,763.35
See Interest Charge Calculation section following
transactions for detailed APR information
Credit Line $5,000.00
Credit Line Available $0.00
Cash Advance Credit Line $2,500.00
Cash Advance Credit Line Available $0.00
Opening Cashback Bonus Balance
New Cashbock Bonus This Period
CagdmKk berws balance
To born more, log in of www.Discover.com
$ 0.00
3 Easy Ways to Contact Us
1 Aecess your account securely at www.Discavw.com
2, COD 1.800 DISCOVER (1-800.347-2683)
Please have your Discovers card available.
3. Write to us at Discover, PO Box 30943,
Solt Lake City, UT 84130 (Not a payment address)
For payments, please said to address on remittance or
Discover, PO Box 6103, Carol Stream, IL 60197.6103
For TDD (Telecommunications Device for the DeoQ
assistance, please call 1-800-347-7449.
Account Number ending in 8395
Enter Amount Enclosed Below
Text APP to DISCOV* to receive a fink to our
free mobile app and pay your bill In seconds
from anywhere!
Doas 1 of 2
Payment Information
New Balance $3,763.35
Minimum Payment Due* $525.00
Payment Due Date April 22, 2012
*Includes past due amount of $449.00
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 Penally
APR of 19.24% variable.
Minimum Payment Warning: IF you make only the minimum
payment each period, you will pay more in interest and it will
take you longer to pay off your balance. For example:
F,xr ., Yaa ?Wa pffy or€t?. r,d w? n
+benc?+l s balance shown on up pay+ng an
Cord oRd jhis:stqtwmvnt in estim91t44 tool of is
h antti' yav pay • about,
Only the minimum 10 years $3,763
payment
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 Foos like Paydown Planner to creole a plan
to pay down your balance securely access statements, pay
bills online and easily track all transactions
• Make your money worth more sm-find easy ways to earn
and redeem cash rewards
• NEWT Access your account securely through your
mobile phone
Transactions
9461849 Rate'' Dote
Fees TOTAL FEES FOR THIS PERIOD $ 0,00
lr-tereso Charged TOTAL INTEREST FOR THIS PERIOD $ 0.00
2012 Totals Yearto-Date
TOTAL FEES CHARGED IN 2012 $ 0.00
TOTAL INTEREST CHARGED IN 2012 0,00
Anniversary Month
June
$ 0.00
+ 0.00
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DIS ER
Paperless statements mean less clutter, more convenience
Easily access up to 24 months of downloodable, 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/papedess
02010 Discwer Book, Member FDIC
PAPER.0310
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9461849
Questions? Visit www.Discovor.com or
call 1.800-DISCOVER (1.800-347-2683) DISCOVER
DISCOVER
It pays to RICHARD ANGLEMEYER
y?V Account number ending in 8395
page 2 of 2
Interest Charge Cakulation
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Current BRirg Period: 29 days
TYPE OF BALANCE
Purchases
09/02/2010 and after
00/01/2010 and prior
Cahn Advances
V = Variable Rate
ANNUAL PERCENTAGE
ECf TO
INS RATE
INTEREST CHARGE
14.24% V
18.99% V
23.99% V
$0
so
$0
$0
$0
$0
Additional Importad ItriformaNon
Sea your Cardmermber Agroseemrt. Your Cardmember Agreement contains all the terms of your Account.
Lost or stolen cards. Report immedtatelyl Call 1-800.347-2683.
What To Do If You Think You Find A M ilatake On Your Statetnent
If you think there is an error on your statement, writs to us at: Discover, PO Box 30421 Salt Lake City, UT 84 1 30-042 1
In your letter, give us the following information:
• Account information: Your name and account number
• Dollar amount: The dollar amount of the suspected error
• 2wri hon of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe
it is o mists e.
You must contact us within 60 days after the error appeared on your statement.
You must notify us of any potential errors M writin .You may callus, but if you do we are not required to investigate any
potential errors and you may have to pay the amount in question.
While we investigate whether or not there has been an error, the following are true:
cannot try ta collect the amount in question, or report you as delinquent on that amount.
We
The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if
we determine that we mode a mistake, you will not have to pay the amount in question or any interest or other Fees related
to that amount.
While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
We can apply any unpaid amount against your credit limit.
Your Rfahts If You Are DfssatisRed With Your Credit Card Purchases
IF you are dissatisfied with the goods or ervices that you have purchased with your credit card, and you have tried
in good faith to correct the problem withsthe 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 aceesses your credit card account do not qualify.
3. You must not yet have fully paid for the purchase.
IF all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at:
Discover PO Box 30945, Salt Lake City, UT 84130.0945
While we investigate, the some rules apply to the disputed amount as discussed above. After we finish our
investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we
may report you as delinquent.
Payments. You maypay all or part of your Account balance of any time. However, you must pay at least the Minimum
Paymt Due by the Payment Due Dole. Send only your payment and the top portion of this statement in the envelope
provr. Do not send cash. Byy sending your check as described above, you authorize us to use information on your check
to man elecfronie fund transbr from your account of the finatIre' l institution indicated on your check or to process the
paymas a check transaction. If payment is processed as an nic fund iransfx Ihs transfer will be for the amount of
the check. When we use information ham your cfieck to make ectronic fund hans?er, funds may be withdrawn from your
account as soon as the same day we receive your payment, and will not receiveyour check back from your financial
institution.
Tocessng of you
r payment e or other items with your payment, if you
payment to any other adde provided. Payments received in proper
t our proceuing facility bcount as of that day. Payments
ved at our procsssmg Faality after SPM kxal time will be credited to your Account as of the nsiA day. If you have
misplaceLou r envelope, send your payment ta Discover, f'O Box 6103 Carol Stream, IL 60197-6103. Phase allow 7.10
days for ery . If your payment rs returned unpaid, we reserve the rig?it to resubmit it as an electronic debit.
9461849
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOM
You can pay ur monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance,
orer the tele ne or you can setup automatic payments through a customer service representative by calling
1$00-347- 683. Automatic payments will be deducted on the Payment Due Date unkss yourequest a recursnngg Payment
date (e.g. the 15th day of the month) that occurs before your Payment Due Date. IF your schedued payment do a Flls 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 morphty paymnts by telephone, you will need this statement and your bank account information. You will be
asked ro de the last four (4 digit}s of the social security number of the primary borrower. By providing those numbers as
your onic sigrwture, 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 creditenfrias to
your bank account, as a?{cable, fo coned an error in the processing of such payment. You can cancel a scheduled
payment by phone of 1 800 347-2683 or by mail at Discover, PO Box 30421 Sak Lake City, UT 841340421, however we
must receive nonce of least three business days in advance of the scheduled payment. If your payments may vary in amount,
we wiN tell you on each monthly billing statement when your payment wip be mode and how much it will be. You must ensure
that sufficient funds are available in your bank account, and all traruacfions 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 dolor amount, or (iv) a fixed dollar amount. If your scheduled fixed payment is not enouah to cover
the Minimum Payment Due as listed on your monthly biling statement, your scheduled payment for that month will 5e
increased to cover the Minimum Payment Due. If the scheduled payment is greater thou the Minimum Payment Due, any
Swiss 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 indical 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 + Z ? Fixed Pays
Bank Routing #: Bank Account #: Frequency:
We Reporting, We may report information about your Account to credit bureaus. late payments, missed payments, or
other defauhs on your Account maybe reflected in your credit re We normaNy report the status and payment history of
your Account to credit repofing agencies each month. If love that our report is inaccurate or incomplete, please its
us at the Zoo f ing addre
ss: Discover; PO Box 1531 b, ilmington, DE 1 985453 1 6. Please indicate your name, address,
home telephone number and Account number
P IMeresE We begin to impose interest charges on a transaction, fee or interest charge from the day we add it to the
daily lance. 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 Pa ' Interest on Purchases f"Grace Period")
It YOU paid the Now nce on your previous b'lli lent by the Payment Due Date shown on that billing statement, we
wnH not impose interest charges on new Purchosss?or arty portion of a new Purchase, paid by the Payment Due Date on your
current bill mg statement. New Purchases are P.
uses that firsf appear on the current billing statement.
How We A I Payments May Impact Your Grace Period
you o not pay your NOW balance in fun 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 IeNerest 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 Wares for Each Transaction Category
We start with the beginning balance for each day. The beginning balance for the first day of the billing period is
your balance on the fast day of your previous billing period
• We add any interest charges accrued on the previous day's daily balance and any new transactions and fees. We
add any new transactions or fees as of the later of the Transaction Date or the first day of the billing period in
which 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 Tronsoction Category by its daily periodic rate. We do this for each day in
the billin period. This gives us the interest charges for each Transaction Category. To get a doily periodic rate,
we divide the APR that applies to the Transaction Category by 365.
We add up all the daily interest charges. The sum is the total interest charge for the billing period.
How We Include Fees
We odd Balance Transfer Fees to the applicable Balance Transfer Transaction Category. We add Cash Advance
Fees to the applicable Cash Advance Transaction Category. We add all other fees to the standard Purchase
Transaction Category.
Bohince 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 choges against this amount if your Account is
open. We will send you a refund of any remaining balance of h 1.00 or more after b months, or as otherwise
required by applicable law.
For dTTDDq(Tekcqommunicafions Device for the Deaf) assislarce, please call 1-800.347-7449.
D3qc3vofRR rifa?'Ihonitor and/or record telephone calls between you and Discover representatives for quality assurance
purposes.
The Discover'card is issued by Discover Bank, Member FDIC RZNFEOOI
Questions? Visit www.Discover.com or DISCOVER
call 1-800-DISCOVER (1.800-347-2683).
Y May, 31, 2012 3; 33PM No. 3172 P. 2
VERIFICATION
Natasha Szczygiel Leg Placement Account Marra er
(Name) (Title)
of DB Servicing Corporation servicing affiliate for Discover Bank ,
(Company)
does hereby verify, under penalty of perjury and subject to the penalties of 18 Fa. C.S. § 4904
relating to unsworn falsifications to authorities states, that he/she is a duly authorized representative
of plaintiff herein and authorized to make this verification, and that the facts sets forth in the
foregoing Amended Complaint are true and correct to the best of his/her knowledge and information
and that he/she is personally familiar with the account and the relationship between Discover Bank
and DB Servicing Corporation. That Discover Bank, f/k/a Greenwood Trust Company, is a FDIC-
insured Delaware State bank, and its servicing affiliate DB Servicing Corporation, extends credit
through issuance of the Discover Card. As the servicing affiliate, DB Servicing Corporation
performs a variety of services for Discover Bank including, among other things, marketing,
application approval, transaction approval, customer service, security, billing and the collection of
delinquent accounts. The collection of delinquent accounts includes the right to forward the same to
the attorneys and/or collection agencies for collection and to file suit on Discover Bank's behalf.
Both DB Servicing Corporation and Discover Bank are wholly owned subsidiaries of Discover
Financial Services.
Date
RICHARD A ANGLEMEYER
60112089 5413 8395
W'WR# 9461849
DB Servicing Corporation servicing affiliate
for Discover Bank
PO Box 3025
New Albany, OH 43054
o{'a.t i .i?•
.. t
f a 3 to .,, 63
t- .
t
CERTIFICATE OF SERVICE
A true and correct copy of the within Plaintiff s Amended Complaint has been served
by U.S. Mail, Postage Pre-Paid, on day of , 2012 upon the following:
Paige MacDonald-Matthes, Esquire
Serratelli, Schiffman & Brown, P.C.
2080 Linglestown Road, Suite 201
Harrisburg, PA 17110
By:
Matthew D Urban, Esquire
WELTIMAN, WEINBERG & REIS CO., L.P.A.
BY: Sarah E. Ehasz, Esquire
I.D. No. 86469
436 Seventh Avenue 1400 Koppers Building
Pittsburgh, PA 15219
Phone: (412) 434-7955
Fax: (412) 338-7130
File # 9461849 SEE/SJS
Attorney for Plaintiff(s)
DISCOVER BANK
VS.
RICHARD A ANGLEMEYER
CUMBERLAND County
Court of Common Pleas
No.: 2012-1427 CIVIL
PRAECIPE TO DISMISS WITH PREJUDICE
TO THE PROTHONOTARY:
Kindly dismiss the above matter with prejudice .
WELTMAN, WEINBERG & REIS CO., L.P.A.
Sarah E. Ehasz, Esquire
Attorney for Plaintiff
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SE1 ,TELL1 Sew-FM & AWN, P.C.
PAWS A+iACDONALD-b A`3"
2080 I,,iNGLES' OWN ,:$,UaM 201
HARJ RG, PA 17110