HomeMy WebLinkAbout04-5243
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
DISCOVER BANK
Plaintiff
No. 0'1- S;J. '13 Cw4 Iu-.
vs.
COMPLAINT IN CIVIL ACTION
BRUCE ENSOR
Defendant
FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
James C. Warmbrodt, Esquire
P A J.D. #42542
WELTMAN, WEINBERG & REIS CO., L.P.A.
2718 Koppers Building
436 Seventh Avenue
Pittsburgh, P A 15219
(412) 434-7955
WWR#038600 18
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
DISCOVER BANK
Plaintiff
vs.
Civil Action No. u'l-5-J'I3
BRUCE ENSOR
Defendant
COMPLAINT IN CIVIL ACTION 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
HA VE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET
FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP
[F YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO
PROVIDE YOU WITH INFORMATION ON 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, PA 17013
(717) 249-3166
COMPLAINT
1. Plaintiff is a corporation with offices at 3311 Mill Meadow Drive, Hilliard, OH 43026.
2. Defendant is an adult individual residing at 1024 Teakwood Lane, Enola, PA 17025.
3, Defendant applied for and received a credit card issued by Plaintiff bearing the account
number 6011 0022 4017 9119. A true and correct copy of a credit card statement is attached hereto,
marked as exhibit "A" and made a part hereof.
4. Defendant made use of said credit card and has currently a balance due and owing to
Plaintiff, as of July 5,2004, in the amount of$I,725.96.
5. Defendant is in default of the terms ofthe cardholder Agreement having not made monthly
payments to Plaintiff thereby rendering the entire balance immediately due and payable.
6. Plaintiff avers that the Agreement between the parties provides that Defendant will pay
Plaintiffs attorneys' fees.
7. Plaintiff avers that such attorneys' fees will amount to $300.00.
8. Although repeatedly requested to do so by Plaintiff, Defendant has willfully tailed and/or
refused to pay the principal balance, finance charges or any part thereofto Plaintiff.
WHEREFORE, Plaintiff demands Judgment in its favor and against Defendant, Bruce Ensor,
individually, in the amount of$1 ,725.96 with interest at the legal interest rate of 6% per annum from date
of judgment plus attomeys' fees 01'$300.00, and costs.
THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED
SHALL BE USED FOR THAT PURPOSE.
WELTMAN, WEINBERG & REIS, CO., L.P.A.
-'\~v00('l //-
Ja es C. Warmhrodt, Esquire
PA LD. #42542
W LTMAN, WEINBERG & REIS CO., L.P.A.
2 18 Koppers Building
36 Seventh Avenue
ittsburgh, PA 15219
(412) 434-7955
WWR#:03860018
paymetft due date
August 4. 2004
$1
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~?6'v.1 . . 0
05 SDSN6A01 0008700
BRUCE ENSOR
1024 TEAKWOOD LN
ENOLA PA 17025-2046
SAVE Todayl Call 1-877.353-0986 to
transfer your hjgh~rate balances to your
Discover@Card or visit Discovercard.com.
Address or _phone change? Plttass print change in the space above,
or go to Discoverc:ard.com.
PO BOX 15251 11I...11...11....1.1..1.1,'
WILMINGTON DE 19886-5251
',.,11I.'.,1"1,1"1.,1/",1,'",1,',1.'.,,,1/,',',,,,11I,',,'
000006011002240179119017259600000000015400
-
Discover Card Account Summary Closing Date: July 5, 2004 page 1 012
account number 6011 002240179119 previous balance $1,725.96
payment due date August 4, 2004 payments and credits 0.00
minimum payment due $154.00 purchases + 0.00
credit limit $2,000.00
credit avail8ble $274.00 cash advances + 0.00
cash credit limit $1,000.00 balance translers + 0.00
cash credit available $0.00 FINANCE CHARGES + 0.00
new balance = $1,725.96
"
E;X~I-hit 'A \1
Nominal ANNUAL Transaction
Average Daily ANNUAL Periodic Fee
Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE
Balances Rates RATJ;S RATJ;S CHARGES CHARGES
current MUng period: 30 days
Purchases $0 0.06299% 22.99% F 22.99% $0 none
Cash Advances $0 0.06299% 22.99% F 22.99% $0 $0
The rates that apply to your Account are either fixed (F) or they may vary M as noted above.
VERIFICA nON
The undersigned does hereby verify subject to the penalties of 18 P A.c.s. ~4904 relating to
unsworn falsifications to authorities, that he/she is
Rohpr1- A<l.kinr.
(Name)
Discover ,Financial Services Inc., servicing agent of the plaintiff herein, that
(Company)
Accounts Manager of
(Title)
he/she is duly authorized to make this Verification, and that the facts set forth in the foregoing Complaint
I
in Complaint are true and correct to the best ofhislher knowledge, infonnation and belief.
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Bruce Ensor
1024 Teakwood Lane
Enola, Pennsylvania 17025
COMMONWEALTH OF PENNSYLVANIA
IN THE COUNTY OF CUMBERLAND COURT OF COMMON PLEAS
DISCOVER BANK
Plaintiff,
v.
NO. 04 5243
BRUCE ENSOR
Defendant.
CIVIL ACTION - LAW
ANSWER
COMES NOW, Bruce Ensor, hereinafter "Ensor," himself alone, without and in
want of counsel, who is also unschooled in law and hereby makes the following
ANSWER TO COMPLAINT WITH AFFIDAVIT IN SUPPORT as required by the
Court's order in this matter.
Affirmative Defenses
Fint Affirmative Defense
Ensor denies that plaintiff is authorized to bring this action. In the alleged
contract of the plaintiff, the contract plainly states that arbitration is the only option
available to either party and that neither party has a judicial remedy prior to arbitration
proceedings, (paraphrased). IF EITHER YOU OR WE ELECT ARBI1RA TION,
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 WILL BE
LIMITED. Ensor has chosen to arbitrate the matter herein, Ensor believes the Plaintiff is
without remedy in this court by virtue of its own purported contract. Plaintiff is acting in
bad faith and is estopped from litigation in this matter.
Second Affirmative Defense
Ensor incorporates the above as if set forth in full herein. Ensor denies that the
DEFENDANT, BRUCE ENSOR is a legal entity with a legal existence therefore NOT a
real party in interest but a strawmanJtransmitting utility incapable of suing or being sued.
See Affidavit m Support. Further, because the DEFENDANT IS a
STRA WMAN/FICTICIOUS ENTITY with no legal existence in law or in fact, plaintiff
fails to state a claim upon which relief can be granted.
Third Affirmative Defense
Ensor incorporates the above as if set forth in full herein. The alleged contract of
the plaintiff is an ultra vires contract. Banks cannot lend credit and no such transaction of
the lending of credit has actually taken place. Banks are not authorized to perform an act
of ultra vires. Ensor has recently become aware of said acts of ultra vires and has elected
to cease to do business with the plaintiff. Ensor denies that plaintiff lent anything in this
matter, nor did the plaintiff risk any assets or consideration.
Fourth Affirmative Defense
Ensor incorporates the above as if set forth in full herein. Ensor denies each
and every allegation of the Plaintiff's counsel as set forth in the complaint.
? ~ {1./17
Dated this ~ day of November 2004.
~~~
( & ruce Ensor
AFFIDAVIT IN SUPPORT OF ANSWER
One, living, breathing man known as Bruce Ensor, Affiant, being of sound mind,
and over the age of twenty-one, reserving all rights, being unschooled in law, and who
has no bar attorney, without an attorney, and having never been represented by an
attorney, and does not waive counsel, knowingly and willingly Declares and Duly
affirms, according to law, in special appearance, in time of peace and not in time of war
or emergency, in good faith, with no intention to delay or obstruct, and with full intent to
preserve and promote the public confidence in the integrity and impartiality of the
judiciary, that the following statements and facts, in the malter(s) herein, and any matter
relating to this, are of my own first-hand knowledge, and are the truth, the whole truth,
and nothing but the truth, so help me God:
1. Bruce Ensor, Affiant, owns the name Bruce Ensor, and speaks only for Bruce
Ensor, and is no other person, and has no aliases and/or aka's (also known
as), and is surety for no other person, and speaks for no other person, juristic
person, entity, individual, group, organization, association, voluntary
association, joint-stock association, company, co-partnership, firm, order or
society, aggregate or part of any aggregate, or automatic aggregate, or public
utility aggregate, whether organized or incorporated or not, and is not
misrepresenting himself, and has not duly granted, ratified, bargained for,
gifted, sold, optioned or donated any power of appointment, special power of
appointment, general power of appointment in trust, or any general or special
franchise, or elective franchise, of name, character, or living body to any
other, for any consideration: including but not limited to any option or opting,
any promises, implied promise, successive promises, agreement, supposed
agreement, fiction, forbearance, grace, creation, modification or destruction
of a legal relation, trade name, trademark, service mark, title, titles, or return
promise, bargained for and given in exchange for a promise, privileges or
benefits, reciprocity, any indemnity, mutual indemnification, any future
interest, or otherwise;
2. Bruce Ensor denies the existence of the following persons, and denies that
they are an actual or legal entity, aggregate, or a corporation duly organized
and existing:
BRUCE ENSOR; ENSOR, C. BRUCE; or any derivative thereof, THE COUNTY OF
CUMBERLAND, STATE OF PENNSYLVANIA, COMMONWEALTH OF
PENNSYLVANIA, PA, DISCOVER BANK; JAMES C WARMBRODT; WELTMAN,
WEINBURG & REIS, LPA; PENNSYLVANIA BAR ASSOCIATION, ALL OTHER
BAR ASSOCIATIONS, UNITED STATES OF AMERICA, UNITED STATES, ALL
OTHER MEMBERS, ASSOCIATES, PERSONNEL, AGENTS, OFFICERS,
FACILITATORS, EMPLOYEES, PARTNERS, HEIRS OR ASSIGNS, of the above
enterprises, who are, or who may be associated with any claims on, upon, or against my
natural body, or my possessions.
Further Affiant saith not. 'f'I p
In witness whereof, I have hereunto set my hand, this the Z'1~ day of November 2004.
~(?L-
commonwealth of Pennsylvania, Cumberland county, ss:
Be it remembered, that on the c:::1~/I~ day of November, 2004, Bruce Ensor, the
Affiant in the foregoing Affidavit, personally appeared before me, the subscriber, a
notary public in and for said County and State, and Duly Attested for the truth of the
foregoing Affidavit, in my presence. The Affiant also acknowledged the signing thereof
for being his own voluntary act and deed.
~Xl~ seal:
Nota' Publi
my commission expires: U -7-0 f?
NOTARIAL SEAl.
.JJr1r S GRO.IAN
Notary PubIc
......~COIMVa:~
-~ ExpIreaJw'l 7, 2008
CERTIFICATE OF SERVICE
I certify that I caused this ANSWER TO COMPLAINT WITH AFFIDAVIT IN
SUPPORT, a true, correct, and complete copy, to be hand delivered or sent by United
States Mail to the parties listed below.
James C Wannbrodt
2718 Koppers Bldg
436 Seventh Avenue
Pittsburgh, Pennsylvania 15219
By:
X U.S. mail
Hand delivered
Overnight mail
Nr?
Dated this 2 Z day of November, 2004
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
DISCOVER BANK,
Plaintiff,
Case No.: 04..5243
vs.
TYPE OF PLEADING:
MOTION FOR JUDGMENT
ON THE PLEADINGS
BRUCE ENSOR,
Defendant.
FILED ON BEHALF OF:
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
Benjamin R Bibler, Esquire
Pa. 1.0. #93598
Weltman, Weinberg & Reis Co., L.P.A.
2718 Koppers Bldg.
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR # 03860018
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
DISCOVER BANK,
Plaintiff,
Case No.: 04..5243
vs.
BRUCE ENSOR,
Defendant.
MOTION FOR JUDGMENT ON THE PLEADINGS
AND NOW COMES, Plaintiff, by and through its counsel, Weltman, Weinberg & Reis, Co.,
L.P.A., and hereby files this Motion for Judgment on the Pleadings and respectfully moves this Court
pursuant to Pennsylvania Rule of Civil Procedure 1034 for judgment on the pleadings. In support thereof,
Plaintiff avers as follows:
1. This action arises out of the accumulation of credit card debt by defendant.
2. Plaintiff filed a Complaint against Defendant, Bruc,e Ensor, seeking $1,725.96 with
interest at the legal interest rate of 6% per annum from the date of the: judgment, plus attorneys' fees of
$300.00, and costs. A copy of the Complaint is attached hereto as Exhibit "A" and made a part hereof.
3. Attached to the Complaint was Verification from an authorized representative of Plaintiff
verifying the accuracy of the amount sought. See Exhibit "A".
4. On or about November 23,2004, Defendant filed an Answer that failed to address any of
the averments in Plaintiff s Complaint. A copy of the Answer is attached hereto as Exhibit "B" and
made a part hereof.
5. Defendant's Answer contains four affirmative defenses.
6. In Defendant's First Affirmative defense, Defendant alleges that this action is not proper
due to an Arbitration clause in the Cardholder Agreement, requiring Arbitration if either party so elects.
7. The Cardholder Agreement clearly states "you or we MAY elect to resolve the claim or
dispute by binding arbitration."(Emphasize added.) See Exhibit "C." A copy of said cardholder
agreement is attached hereto as Exhibit "c" and made a part hereof.
8. Defendant has failed to make a payment on this account since March 1 0, 2004.
9. Defendant has been sent numerous statements, delinquent account notices, and requests
for payment.
10. Defendant has failed to timely exercise his right to arbitration. Only now, after Plaintiff
has brought suit against the Defendant, does Defendant wish to arbitrat1e this matter.
11. Defendant's Second Affirmation Defense is unintelligible and cannot be addressed by
Plaintiff. However, Defendant was properly served pursuant to Pennsylvania Rules of Civil Procedure
400-402.
12.
Defendant's Third Affirmation Defense IS unintelligible and cannot be addressed by
Plaintiff.
13. Defendant's Fourth Affirmative Defense generally denies the allegations III the
Complaint.
14. Under Pennsylvania Rule of Civil Procedure 1029(b), the averments of the pleading to
which a response is required are deemed admitted when not denied spedfically.
15. The pleadings are closed and time exists to dispose of this Motion before trial.
16. No genuine issue of material fact exists as to Plaintiffs claim.
17. Plaintiff is entitled to judgment in its favor as a matter of law on the amount sought in the
Complaint.
WHEREFORE, Plaintiff respectfully requests that this Honorable Court enter an Order directing
Judgment on the pleadings in favor of Plaintiff and against Defendant Bruce Ensor in the amount of
$1,725.96 with interest at the legal interest rate of 6% per annum from the date of the judgment, plus
attorneys' fees of$300.00 and costs
Respectfully Submitted:
WEL~T~AN' WEINB .~ &.REI
I.} , ",1 >
.? ,-_.),
, . I
I '
By: .
Benjamin R Hi Ie, squir
PA I.D.#935~
Weltman, Weinberg & Reis Co., L.P.A.
2718 Koppers Bldg.
436 Seventh Avenue
Pittsburgh, Pi\. 15219
(412) 434-7955
WWR# 03860018
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
DISCOVER BANK
Plaintiff
No.
vs.
COMPLAINT IN CIVIL ACTION
BRUCE ENSOR
Defendant
FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
James C. Warmbrodt, Esquire
PA LD. #42542
WELTMAN, 'WEINBERG &REIS CO., L.P.A.
2718 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
(4]2) 434-7955
WWR#038600]8
EXHIBl1r
A
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYL VANTA
CNIL DIVISION
DISCOVER BANK
Plaintiff
vs.
Civil Action No.
BRUCE ENSOR
Defendant
COMPLAINT IN CIVIL ACTION 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. Vou 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
HA VE 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 HlRE A LAWYER, THIS OFFICE MAY BE ABLE TO
PROVIDE YOU WITH INFORMATION ON AGENCIES THAT MAY OFFER LEGAL SERVICES
TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
Cumberland County Bar Associiation
32 South Bedford Street
Carlisle, PA 17013
(717) 249-3166
COMPLAINT
1. Plaintiffis a corporation with offices at 3311 Mill Meadow Drive, Hilliard, OH 43026.
2. Defendant is an adult individual residing at 1024 Teakwood Lane, Enola, P A 17025.
3. Defendant applied for and received a credit card issued by Plaintiff bearing the account
number 6011 0022 4017 9119. A true and correct copy of a credit card statement is attached hereto,
marked as exhibit "A" and made a part hereof.
4. Defendant made use of said credit card and has currently a balance due and owing to
Plaintiff. as of July 5,2004, in the amount of$1,725.96.
5. Defendant is in default of the terms ofthe cardholder Agreement having not made monthly
payments to Plaintiff thereby rendering the entire balance immediately due and payable.
6. Plaintiff avers that the Agreement between the parties provides that Defendant will pay
Plaintiff's attomeys' fees.
7. Plaintiff avers that such attorneys' fees will amount to $300.00.
8. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and/or
refused to pay the principal balance, finance charges or any part thereofto Plaintiff.
WHEREFORE, Plaintiff demands Judgment in its favor and against Defendant, Bruce Ensor,
individually, in the amount of$1,725.96 with interest at the legal interest rate of6% per annum from date
of judgment plus attorneys' fees of$300.00, and costs.
THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED
SHALL BE USED FOR THAT PURPOSE.
WELTMAN, WEINBERG & REIS, CO., L.P.A.
...-/"
~1tl5,yv1/'/tl'l.//.
J~es C. Wamlbrodt, Esquire
P AiLD. #42542-
I
WELTMAN, 'WEINBERG &REIS CO., L.P.A.
I
2118 Koppers Building
436 Seventh Avenue
t
/Pittsburgh, PA 15219
./ (412) 434-7955
./
WWR#:03860018
August 4, 2004
"'L
3~'v.roli3
05 SDSN6A01 0008700
BRUCE ENSOR
1024 TEAKWOOD LN
ENOLA PA 17025-2046
SAVE Todayl Call 1-877.353-0986 to
transfer vour high-rate balances to your
Discove~lil Card or visit Discovercard.com.
Address or telephone change? Please print change in the space above,
or go to Discovercatd.com.
PO BOX 15251 11I11I1111I1111I.1.1111.1.1
WILMINGTON DE 19886-5251
1...111.1..1..1.1..1..111...1.1"11.1.1.11...11.1.1'11.111.1..1
000006011002240179119017259600000000015400
Discover Card Account Summary Closing Date: July 5, 2l>O4 page 1 of 2
account number 6011002240179119 previous balance $1,725.96
payment due date .:. August 4, 2004 payments and credits 0.00
minimum payment due $154.00 purchases + 0.00
credit Omit $2,000.00 cash advances + 0.00
credit available $274.00
cash credit limit $1,000.00 balance transfers + 0.00
cash credit available $0.00 FINANCE CHARGES + 0.00
new balance = $1,725.96
.,
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Nominal ANNUAL Transaction
Average ~~ic ANNUAL Periodic Fee
Daily PERCENTAGE PERCENfAGE FINANCE FINANCE
Balances Rates RA TES RATES CHARGES CHARGES
cun-ent bilUng period: 30 days
Purchases $0 0.06299% 22.99% F 22.99% $0 none
Cash Advances $0 0.06299% 22.99% F 22.99% $0 $0
The rates that apply to your Account are either fixed (F) or \hey may vary M as noted above.
VERIFICA nON
The undersigned does hereby verify subject to the penalties of 18 P A.C.S. 94904 relating to
unsworn falsifications to authorities, that helshe is
'Rnhpr1- 1l.qk i nr.;
(Name)
of Discover Financial Services Inc., servicing agent of the plaintifIherein, that
(Company)
Accounts Manager
(Title)
he/she is duly authorized to make this Verification, and that the facts sc~t forth in the foregoing Complaint
. . I
in Complaint are true and correct to the best ofhislher knowledge, information and belief.
~
(Signature) . . i
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Bruce Ensor
1024 Teakwood Lane
Enola, Pennsylvania 17025
COMMONWEALTH OF PENNSYLVANIA
IN THE COUNTY OF CUMBERLAND COURT OF CONlMON PLEAS
DISCOVER BANK.
Plaintiff,
v.
NO. 04 5243
BRUCE ENSOR
Defendant.
CIVIL ACTION - LAW
ANSWER
COMES NOW, Bruce Ensor, hereinafter "Ensor," himself alone, without and in
want of cOWlSel, who is also unschooled in law and hereby makes the following
ANSWER TO COMPLAINT WITH AFFIDAVIT IN SUPPORT as required by the
Court's order in this matter.
Affirmative Defenses
Fin. Aftirmative Defense
Ensor denies that plaintiff is authorized to bring this action. In the alleged
contract of the plaintiff: the contract plainly states that arbitration is the only option
available to either party and that neither party has a judidal remedy prior to arbitration
proceedings, (paraphrased). IF EITHER YOU OR WE ELECT ARBITRA nON,
NEITHER YOU NOR WE SHALL HAVE THE RIGHT TO LmGATE THAT CLAIM
IN COURT OR TO HAVE A JURY TRIAL ON THAT CLAIM, PRE-HEARING
DISCOVERY RIGHTS AND POST-HEARING APPEAL RIGHTS WILL BE
LIMITED. Ensor has chosen to arbitrate the matter herein, Ensor believes the Plaintiff is
without remedy in this court by virtue of its own purported contract. Plaintiff is acting in
bad faith and is estopped from litigation in this matter.
EXHIBIT
-~
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Oo~UJeP~
Second Affirmative Defensc~
Ensor incorporates the above as if set forth in full herein. Ensor denies that the
DEFENDANT, BRUCE ENSOR is a legal entity with a legal existence therefore NOT a
real party in interest but a strawman/transmitting utility incapable of suing or being sued.
See Affidavit m Support. Further, because the DEFENDANT IS a
STRA WMANIFICTICIOUS ENTITY with no legal existelllce in law or in fact, plaintiff
fails to state a claim upon which relief can be granted.
Third Affirmative Defense
Ensor incorporates the above as if set forth in full hc~rein. The alleged contract of
the plaintiff is an ultra vires contract. Banks cannot lend credit and no such transaction of
the lending of credit has actually taken place. Banks are nolt authorized to perform an act
of ultra vires. Ensor has recently become aware of said acts of ultra vires and has elected
to cease to do business with the plaintiff. Ensor denies that plaintiff lent anything in this
matter, nor did the plaintiff risk any assets or consideration.
Fourth Affirmative Defense
Ensor incorporates the above as if set forth in full herein. Ensor denies each
and every allegation of the Plaintiff's counsel as set forth in the complaint.
.... 1/1./17
Dated this i,.. " day of November 2004.
~~ C} J/
~~'-~
I c..---Broce Ensor
,
AFFIDAVIT IN SUPPORT OF ANS'WER
One, living, breathing man known as Bruce Ensor, A/fiant, being of sound mind,
and over the age of twenty-one, reserving all rights, being unschooled in law, and who
has no bar attorney, without an attorney, and having nevl~r been represented by an
attorney, and does not waive counsel, knowingly and willingly Declares and Duly
affirms, according to law, in special appearance, in time of plgace and not in time of war
or emergency, in good faith, with no intention to delay or obstruct, and with full intent to
preserve and promote the public confidence in the integrity and impartiality of the
judiciary, that the following statements and facts, in the matter(s) herein, and any matter
relating to this, are of my own first-hand knowledge, and are the truth, the whole truth,
and nothing but the truth, so help me God:
1. Bruce Ensor, Affiant, owns the name Bruce EnJor, and speaks only for Bruce
Ensor, and is no other person, and has no aliases and/or aka's (also known
as), and is surety for no other person, and speaks for no other person, juristic
person, entity, individual, group, organization, association, voluntary
association, joint-stock association, company, co-partnership, firm, order or
society, aggregate or part of any aggregate, or automatic aggregate, or public
utility aggregate, whether organized or incorporated or not, and is not
misrepresenting himself, and has not duly granted, ratified, bargained for,
gifted, sold, optioned or donated any power of appointment, special power of
appointment, general power of appointment in trust, or any general or special
franchise, or elective franchise, of name, character, or living body to any
other, for any consideration: including but not limited to any option or opting,
any promises, implied promise, successive promises, agreement, supposed
agreement, fiction, forbearance, grace, creation, modification or destruction
of a legal relation, trade name, trademark, service mark, title, titles, or return
promise, bargained for and given in exchange for a promise, privileges or
benefits, reciprocity, any indemnity, mutual indemnification, any future
interest, or otherwise;
2. Bruce Ensor denies the existence of the following persons, and denies that
they are an actual or legal entity, aggregate, or a corporation duly organized
and existing:
BRUCE ENSOR; ENSOR, C. BRUCE; or any derivative tbereof, THE COUNTY OF
CUMBERLAND, STATE OF PENNSYLVANIA, COMMONWEALTH OF
PENNSYLVANIA, P A, DISCOVER BANK; JAMES C W P.RMBRODT; WELTMAN,
WEINBVRG & RBIS, LPA; PENNSYLVANIA BAR ASSOCIATION, ALL OTHER
BAR ASSOCIATIONS, UNITED STATES OF AMERICA, UNITED STATES, ALL
OTHER MEMBERS, ASSOCIATES, PERSONNEL, AGENTS, OFFICERS,
FACILITATORS, EMPLOYEES, PARlNERS, HEIRS lOR ASSIGNS, of the above
enterprises, who are, or who may be associated with any claims on, upon, or against my
natural body, or my possessions.
Further Affiant saith not. r tl P
In witness whereof, I have hereunto set my hand, this the Zz, day of November 2004.
~~c?L-
/ ~Bruce Ensor
commonwealth of Pennsylvania, Cumberland county. ss:
Be it remembered, that on the c1d/lC"- day of November, 2004, Bruce Ensor, the
Affiant in the foregoing Affidavit, personally appeared before me, the subscriber, a
notary public in and for said County and State, and Duly Attested for the truth of the
foregoing Affidavit, in my presence. The Affiant also acknowledged the signing thereof
for being his own voluntary act and deed
NO~~X!~ seal:
my commission expires: U -7-C) f?
NOTARIAl. SEAL
.MIE1r s GIOJAN
IEMl:ME Notary PubIc
--- ""'QI,CClHra:~
-~r EJfpIrea JwI 7, 2008
CERTIFICATE OF SERvlCE
I c~rtify that 1 ~~ this ANSWER TO COMPLAINT WITH AFFIDAVIT IN
SUPPORT, a true, correct, and complete copy, to be hand d(~livered or sent by United
States Mail to the parties listed below.
James C Warmbrodt
2718 Koppers Bldg
436 Seventh Avenue
Pittsburgh, pennsylvania 15219
By:
X U.S. mail
Hand delivered
Overnight mail
2'7J.it?
Dated this '- day of November, 2004
~ ;7
~{<k
,/ Bruce Ensor
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DISC.'{ER~
CLASSIC
IMPORTANT INFORMATION
ABOUT YOUR ACCOUNT
CARDMEMBER AGREEMENT
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 withir' 30 days after receiving your Card,
as explained in the "Acceptance of Agreement"
section. ......... , . . . . . . . . . . . . . SEE PAGES 1 . 14
PRIVACY POLICY
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 molY limit our sharing of such ,
information with others. . . . . . . . . SEE PAGES 14. 17 j'
I
BIWNG RIGHTS
Important information about your rights and our
responsibilities under the Fair Credit Billing Act . . . . .
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . SEE PAGES 17. 19
CASH BACK BONUS. TERMS AND CONDITIONS
The terms and conditions of the Cash back Bonus.
award program. including a description of how your
award is calculated find how to redeem it. . . . . . . . . .
.. . ... . . ... . .. . . .. . . . . . . . . . " SEE PAGES 19.21
,
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.,
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DESCRIPTION OF COVERAGE
The terms and conditions of the Scheduled Air Travel
Accident Insurance that is provided at no charge to
you when you use yc,ur Card to purchase airline
tickets. . . . . . .. . . . . . . . . . . . . . . . SEE PAGES 21 .24
Cl 2003 DisCover Bank. Member FDIC
304001.0403TL'4
EXHIBIT
C
-
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. CARDMEMBER AGREEMENT
please read this Agreement carefully betore 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 eVE,nt of any differences, this
Agreement shall control.
We respect your privacy. See the Priva,cy Section on page 10 and
our Privacy Policy tor additional infor~'ation.
The Arbitration of Disputes Section on page 12 includes a waiver
of a number of rights, induding the ri!Jht to a jury trial.
CARDMEMBER AGREEMENT
Agreement Terms .................................. 2
Acceptance of Agreement. . . . . . . . . . . . . . . . . . . . . . . ; . . .. 2
Use ,of Your Account . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 2
Authorized Users. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 3
Unauthorized Use ... . . . . . . . . . . .. .................. 3
Credit Limit-Available Credit. . . . . .. .................. 3
Promise to Pay . . . . . . . . . . . . . . . . .. .................. 4
Monthly Billing Statement. . . . . . . . . . . . . . . . . . . . . . . . . . " 4
Monthly Payment Options. . . . . . . . . . . . . . . . . . . . . . . . . . .. 4
Minimum Monthly Payment. . . . . . . . . . . . . . . . . . . . . . . . .. 5
Credit Balances. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . , . '" 5
Balance Transfers. . . . . . . . . . . . . . . . , . . . . . . . . . . . . . . . . .. 5
Finance Charges. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 5
Periodic Finance Charges. . . . . . . . . . . . . . . . . . . . . . . . . . . .. 6
Default Rate Plan. . . . . . . . . . . . . . . . . . . . . . . . , . . . . . . . . . . . 8
Cash Advance Transaction Fee Finance Charges . . . . . . . . . .. 8
Balance Transfer Transaction Fee Finan,:e Charges . . . . . . . .. 9
Minimum Finance Charge. . . . . . . . . . . . . . . . . . . . . . . . . . .. 9
Returned Check Fee. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 9
Returned Discover Card Check Fee . . . . . . . . . . . . . . . . . . . .. 9
Stop Payment Fee. . . . . . . . , . . . . . . . . . . . . . . . . . . . . . . . . .. 9
Late Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 9
Pay-by-Phone Fee. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ., '0
Research Fee. . . . . . . . " . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 10
Overlimit Fee. . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . ., 10
Default-Acceleration-Collection Costs . , . . . . . . . . . . . . . . .. '0
Cancellation. . . . . . . . . . . . . . . . , . . .. ................ 10
Privacy. . . . . . . . . . . . . . . . . . . . . . . .. ................ 10
Electronic Communications . . . . . . . .. .................'1
Credit Authorizations. . . . . . . . . . . . . . . . . . . . . . . . 11
Chang! of Terms .' . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 11
Change of Address. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 12
Assignment of Account. , . . . . . . . . . . . . . . . . . . . . . . . . . .. 12
Arbitration of Disputes .. . , . . . . . . . . . . . . . . . . . . . . . . . .. '2
Compliance with Interest Rate Limitatio 1S . . . . . . . . . . . . . . . 13
Governing Law ....................,........... '" 13
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AGREEMENT TERMS. The word "Account" means your
Discover Card Account. The word "Card" means anyone or more
Discover Cards issued to you or someone else with your authori-
zation. The words "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. The words "we",
'us" and "our" refer to Discover Bank, the issuer of your
Discover Card. The words" Authorized User" mean any person
whom you authorize to use your Account or a card, whether you
notify us or not. The words "Pricing Schedule" mean the
document accompanying your Card and listin9 the Finance
Charge rates that apply to your Account. The Pricing Schedule is
part of this Agreement. .
ACCEPTANCE Of AGREEMENJ. The use of your Account or a Card
by you or an Authorized User, or your failure to cancel your
Account within 30 days after receiving a Card, means you accept
this Agreement, including the Arbitration of Disputes provision
on page 12. Your may, however, 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, P.O. Box 30938, Salt lake City, UT B4130-093B. Ii you were .
previously subject to arbitration with respect to any Account, "
this right to reject arbitration will not apply to you in the event
that the Account has been reopened or replacement Cards are I
sent to you. Your rejection notice must include your name, .
address, telephone number, Account number and signature and I
must not be sent with any other correspondence. Calling us to I
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 the notice be :
provided by you directly and not through a third party. Rejection
oi 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 j
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.
USE OF YOUR ACCOUNJ. Your Account may be used for:
. Purchases - to purchase or lease goods or services from
participating merchants by presenting your Card or Account
number.
. Cash Advances. to obtain cash advances from participating
automated teller machines, financial institutions or other
locations, or by means oi checks which we may furnish to you,
all in accordance with such additional terms and conditions as
may be imposed from time to time.
. Balance Transfers - to transier balances from other creditors or
to make other transactions by means of balance transier
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 establishments. You will be liable for
-2-
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quaranteed reservations that are not canceled prior to the time
specified by the establishment. .
Your Account may be used for personal, family, household and
charitable purposes. Your Account may not be used to obtain
loans to purchase, carry or trade in securities, or to pay any
amount you owe under this Agreement ("Prohibited
T"ansactions"). Prior to its use, 'each Card must be signed by the
person to whom it is issued. We are not responsible for the
wfusal 6i anyone to accept or honor a Card or to accept checks
that we have provided you. You must return any Card or unused
checks to us upon req uest.
If a merchant fails to provide your purchase to your satisfaction
and, at your request, we issue a credit to your Account, you will
bl! 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.
Your rights and responsibilities under the Fair Credit Billing Act
described in the billing rights summary on pages 17-1B and on
the back of your monthly billing statement apply only to credit
card transactions. This special rule ior credit card transactions
does not apply to purchases made with a balance transfer check
or cash advance. Therefore, if you have a problem with the
quality of goods or services that you purchased with a balance
transfer check.. cash advance check or the proceeds of a cash
advance, you do not have the right to withhold payment of the
amount due.
AUTHORIZED USERS. If you want to cancel the authority of a
cur\ent A~ho:i~ed User to use your Account or a Card, you must
notify us In writing or by telephone and destroy any Card in that
person's possession. 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 attorney. Without our separate written agreement (which we
are not obligated to give).
UN)~UTHORIZED USE. If a Card is lost or stolen, or if you think
tha': someone is. using ~our Account or a Card without your
per 71ISSlon, notliy us Immediately. You can notify us by
telephonIng 1-800-DlSCDVER (1-800-347-2683), or by writing
DISCOVER CARD, PO Box 15156. Wilmington, DE 19886-1002.
You agree to assist us in determining the facts relating to any
theit or possible unauthorized use of your Account or a Card and
to. wmply With s.uch procedures as we may require in connection
wrtr our IOvestlgation. If our records indicate that you have
enrolled in an automatic billing arrangement, such as a monthly
gym membership. we will attempt to provide your new Account
num~er to that merchant. However, if you no longer wish to
continue the a~tomatic billing arrangement, you must contact
the merchant directly.
CREDIT UMI~-AVAILABlE CR~D'T. We will advise you of your
Account credIt limit. We may Impose a lower limit that will apply
to co sh advances, referred to as the cash advance credit limit.
You ,lgree not to aI/ow your unpaid balance, indudin~ Finance
Charges and fees, to exceed 'your Account credit limit. Ii you
excef!d your Account credit limit, we may request immediate
-3-
_-_ .......-t - -'~..._.::: _"'. ". -:. ~ :.. ~ '~. _::- .. _ ..'
~
payment oi the amount by which you exceed your Account
credit limit.
We may increase or decrease your Account credit limit or your
cash advance credit limit without notice. The credit available ior
your use may, from time to time, be less than your Account credit
limit. For purposes oi determining your available credit, we
reserve the right to postpone ior up to 1S 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.
PROMISE TO PAY. You agree to pay us in U.S. Dollars for all
purchases, cash advances and balance transfers including
applicable Finance Charges and other charges or fees, incurr'ed
by you or anyone you authorize or permit to use your Account
or a Card, even if you do not notify us that others are using your'
Account or a Card. We will convert purchases and cash advances
made in a foreign currency to U.S. Dollars at a rate existing on .
the date oi conversion. If you pay us in other than U.S. Dollars, .
we may refuse to accept the payment or charge your Acc.ount
our cost to conyert your payment to U.S. Dollars. All checks must
be drawn on funds on deposit in the U.S. You may not use a cash ,
advance check, balance transier check or coupon, or any other I'
promotional check drawn on any Discover Bank credit card
account to make payments on your Account. I
If your Account is a joint Account, each of you agrees to be liable .
individually and jOintly for the entire amount owed on your
Account. We can accept late payments or partial payments or
checks and money orders marked" payment in iull" or with any
other restrictive endorsement without losing any of our rights
under this Agreement.
MONTHLY BILLING STATEMENT. Unless we waive our right to do '
so, we will send you a billing statement after each monthly
billing period in which you have a debit or credit balance of .
$1.00 or more. The billing statement will show all purchases, I
cash advances, balance transfers, Finance Charges and other j'
charges or iees and all payments or other credits posted to your
Account during the billing period. It wlll show your New
Balance, Minimum Payment Due and Payment Due Date.
MONTHLY PAYMENT OPTIONS. You may at any time pay the
entire New Balance shown on your billing statement, but each
month you must pay at least' the Minimum Payment DUe. All
payments must be made in accordance with the terms, including
the payment cutoff time, stated on your monthly billing state-
ment, and we will credit your Account in accordance with those
terms. In addition, we reserve the right to change those terms
without prior notice. We will apply payments and credits to the
New Balance shown on your current billing statement in order of
the Annual Percentage Rate applicable to the balance of each
transaction category (as reierenced in the Periodic Finance
Charges Section), from lowest to highest beginning with the
balance subject to the lowest Annual Percentage Rate. We then
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
-4-
.'.- ~.~ '
when there are two initial special rates applicable to your
Account and the lower Annual Percentage Rate will expire
bdore the higher Annual Percentage Rate.
MINIMUM MONTHLY PAYMENT. The Minimum Payment Due
each month will be the sum oi any amount past due and the
minimum monthly payment. The minimum monthly payment
each month will be the greater of S 1 0.00 or 1/SOth of the New
Balance, rounded to the next higher whole dollar amount. If any
MINUAL PERCENTAGE RATE applicable to your Account is
greater than 22.99%, your minimum monthly payment will be
thl! greater oi S 1 0 or 1/4Sth oi the New Balance, rounded to the
next higher whole dollar amount. Regardless of the Annual
Pe~centag!! Rates on your Account, if the New Balance is less
than S 10.QO, the minimum monthly payment will be the amount
of the New Balance. Paying the Minimum Payment Due may be
insu~ic.ient to bring your Account balance below your Account
credit limit and, consequently, may not avoid the Imposition of
thE~ Overlimit Fee described in the Overlimit Fee Section. We may
from lime to tlr!1e allow you to not make a minimum monthly
pa!lment, and Will notify you when this option is available. If you
take advantage of thiS offer and do not make a minimum
monthly payment, finance charges and any applicable fees will
accrue on your Account in accordance with this Agreement, and
YO~I must pay the Minimum Payment Due for the iollowing
billing 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 reiund, we will automatically reiund credit
baL3nces greater than S 1.00 which remain in your Account after
twel billing periods.
BALANCE TRANSFERS. We may periodically offer you the oppor-
tunity to transfer balances from other creditors or to make other
transactions to your Account by means of balance transfer
coupons .or checks. Each offer will contain an initial special rate,
whICh will be the Annual Percentage Rate that will apply to
transierred balances for the time period specified in the offer,
subject to the Default Rate Plan Section, and may contain a
Balelnce Transier Transaction Fee Finance Charge for each
bale nce transfer made during the term of the offer, as disclosed
In the offer and as set forth in the Pricing Schedule, if applicable.
After the expiration of this time period, the Annual Percentage
RatE~ that applies for purchases will apply to transferred
balances. Balance transfers subject to the initial special rate are
referred to as special rate balance transfers; balance transfers for
whirh the initial special rate has expired are referred to as
purchase rate balance transfers. Each offer will contain an
expi'ation date. If you attempt to transier balances by means of
a chl!ck after the expiration date. we will treat the transaction as
a ca!;h advance. We will not make balance transfers attempted
by means of a coupon after the expiration date.
FINANCE CHARGES. You can avoid payment of Periodic Finance
Charges on new purchases if you pay the New Balance shown on
the billing statement on which the purchase first appears by the
Payment Due Date, and the Payments and Credits on that
statement equal or exceed your Previous Balance. We call this
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'h. . roo" "'" O<!. . Yo, do "" h,,, · "'" po "O<! 00 "',.,,,. . d I I h d '1 b I f h b I
,,, """"""h · """". P'riO<!,,,,,,,,,. Ch "'" '" 'O<PO"d "1"". I", ~ """, '" ""''' " "n''''''''I..
00 'ow b.,. "'. ",""." "d '''h · d" "'" b.""", With tho ''''''''"00 ""'''''' " tho fi '" d., of 'h. 011'" ""lad, ..
dot. tho t" ""ct~, "'Om. ,"bt!Oct 'h. "'''''' b" "" 0 / tho" B, '"'' r""f"
""".ctJoo ... ""'" Ch" '" "d b,I"" '''''f." thot
PERlO.l( ".....'" CHARGES. P'riod. R",,, Ch",,, ." "",0",, ,",tit... '... b""" ""..""~,, d., "d w"dd
io<,""" 00 ," ''''''''i", "l/J ~. d,,, of "",o<.m. ,", ""''' b,.,,, to tho b.'"" of tho ,"'tit." ,,,_~,
R.,."",,,, m.." ",m.m of ''', """ II.. B.,.,,,. "",ory.
-", ff ''" "" '/io 'ow B.I"" 'h...., 00 tho ~"", AI/ ,." 'h",,, to 'Op, Alto",' ". "'" to "" '"'tit,,,
bil/'" ~ot'm." b, tI" P',m"t '", o.t., 'nd tho P","". ,."".ctioo "",ory With 'h. "","00 of C"h Ad"",.
'nd ""'. 'ho., 00 tho n"'m.m .,,,, " "'''d 'h. r"'Qctloo F" ",,'" (h,,,,, 'hKh ." "'d.d to tho "'h
"~'o,, h'.",., .., ...1/ 'of im",,, P"lo," F'",,, Ch",,, .d"",. '''''''ct'oo '''.gory and Balance Transfer TranSaction
On new purchases, that is, PurChases first appearing On the h
'"'''''' n..""".. """Mi", y" .;U ""'" 'blin", '" "",,, C "'" ""ith ." "'" to 'h. b.."" "mt"
""'m." 'h. "ot mo"h 'h" '''''''~ Pot'''''' "po",. """"ioo ''''9'''Y. ff. '''_ioo "p""" to Yo" """"
Ch.."" 'm""" "'lif 'h. dot. " "Po Ym,,,, .h" tho d". 0' ~. billi" '''io' " 'h ith " "''"'" '" wiiI
"""h. """ct,oo " h.." """"d 00 'h. Ii", '., of ''''
W. 10m,,,,, P"i"'i, "po",. Ch",,, '''h d., fOt ""h"" biili,,, ""O<! i, .h i'h It i, '0.", '0 YOp, Alto",,,
cash advances, and balance transfers (which we refer to as
'" "''''00 '" "Oti,,) by "'i" tho 'ollo.'n, "''''ti, n (1) Rot. PI",
A"",. o'i~ B.,.",. , ""lOb" 0' '.y, " ~. biili" """" Th. o'iI, P"'O<!" Rot. "d 1O"~'Pndi', An,,,, P''''"",.
O"'Y P.n"" Rot.. . (f" mo, "'" '0 'h. f,PO'" 'h" ,. R""h" 'POly to . "h """ctioo """o~ i" ""'" fi"d '".
"'mm.ry on tho '"'' " ""'. b, "'" .... m", fOt th", , Ot. ""'bI. ",. " '" f,rth i, '''', P,;"" 5th",,,,.. rh. o'ily
'm"",<.) n".,.. "" ./1 'h. P".d" F""" Ch",,, 'Ot '''h . P".d" R." , 18'", of th. ""~""d'", A""I P.".Pl'"
,,,,,,,,., """ory to '" 'h. '0"1 p. nad,., F". "', Ch", ~ R".. Th. . "i'lif. A"", P'''"",. R." fOt . "'-00
f Ot "~, ~lt,,,,,, n". A."". 0". """""ho"" " '''? " ; to' ',ory i, d""O<i,,, b, 'ddi" , ""if"d ""m,,, 0/
00 P"'ad" F", ",. CI""~ "Ply '0 th. bo.",. " · '" Pl.ct,,,,, I ",., "",. ,.,,, " "" 'rim. R,,, Thi," """'" 00 tho P'''i"
"" ",ory. , 5th'd "'. " . p"m. , ("'''"",. ,oin.,. . lot '"' ",," " thli
w" ",. '''' tw~"<I. ""'<t. doily b". ",. """"di", "". , A '"'T''' th. ',''''' R." Ii 'h. hi,,,,,, "" of i,,,,,. Ii,,,,
tranSactions) methOd of calcufating the balance UPOn which Wj .. 'h. '''m"". "th. moo., "'e """PO' "" W,,, S"",
'm",,, P"i'di, FiPO ",.C'", ". "'i, m".. if "'" did PO, "" J" c", 00 'h. .. "',"~, d., of '''' month. "'. "'m. R." .
'/io Now B,.,,, Ii,,", " th. bi iii", ""'m", V'" '"'',''' f"'''. . "'"'' "d" 'ad '''' 00, "p",,,, "" i....... " ...
,,,,,,, 'h. '''.0" billi" '" "'" by ". p, ym", . '" ."".. "'''.n ",. """bI. to . bon,.." " 'ny "'" " "I "",,
.'/J ;m",,, P"'ad" ""," ",,"" 00 ". '"'tit"" th" fi", ',m.. ',", Aoo", p",,'.... R... .,/J '''',,~. " ''''''~
· PO.. '" 00 'h" bi/Ji" ."'m.", " ..,/J ~ ". '''''h,,~ ."" 'h. e"m. "'." tho",~ rru, . ,h",. .,/J " . ff "',~
th" fi,,, '1'''''' 00 tho '""." bim", '" ''''''''' ""'.. .. . b',m,m, 00 '''' 'n. d,y 0' tho b,/J", ""O<! ''', b.,,~
,I""" im""" P"''''i, ","" Ch",,, 00 'h. "',,""~ 00 , ,,,,,,, tho Qm. mOPlh " 'h. ,h ",. m 'h. P"'"' R".
""', '''''0", bI/Ji", "" Om "" W, "m,,,,. tho ""'" d.ily , (2) Aoo '" "".". ,. R ". 'Ot p"tho,,,
b.,,,,, f" ."" "'''''ttioo "", Ory by '''',' '" ./1 tho d'iI, .
b, ''''~ " , bi/J'", "riad f Ot · "....ttiOO "'"ory "d .w" "rh." off".. yP"'''' "",,,ct,,, '''''' "'''''''~. Th,
""'di" tho lOt. I by '/io "lOb" of d", i, '''' b ilIi" tyd.. W. '''tOd.aory ",. . th. A""~'I """"go "',. l)", .../J "Pi,
rnmp"" tho "ily b.,,,,, ,,, · "h """ cti 00 """ry 00 "'h '" "th,,,, 'Ot 'h. "m. ""ad """fiod', 'h. off", "bJ<tt "
d., by 'im "'Ii", tho fol/ow", " tho ''''io" d,y', d'fI, 'h. Dot"," R". PI" 5.ct",. ,"" """'., of 'h, "m,
"',. "''' ,,"~ "ioo, m.", 'h" " " f." 'h."" th" ", "d '''iad, tho An,,,, e.""".,. B,,,. 'Ot p,,, tit..., .../J "'IY. ""
P"iad" """,. ChM,~ '''''''d 00 tho '''''0", d.,', d'iI, 0"'1" Penod,c Rates and. corresPondln~ Annual Percentage Rates
'" ''''"' '" by "" """""'g "y ""'" 'nd ""m",,, th" m. f ~ 00 "". dot. 'h" Ag".""", " f''''''h'd " ''" ". ,~
." · PO/J", .,.;'. tho b.'.",. of '''' ''''fOctJo, ""''''' 00 '- m 'h. "<t" 5th.d..
th.t "~yo I, '''''''~'', tho d.ily b.,,,,, ,,~ tho '''.i,", bim" Of Aoo", p'''",.,. R". fOt C"h A""'e
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d", to , ,.~ "Ym." Ot """" YO!"P""'''d", A,,,,,,,, R." i"ffo" f" ,,"'., "" b.'"" """"" ""I/""'lfo,fh
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th" ,,,.,o~ "',' 'h. """, '''''''I "" oth .""" ~." h.", Ai ""'''''' " th. "'"'' r" mf." "ct'" 'bo", "',,"",
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rate balance transfers will be subject to the Daily Periodic Rate 3% of the amount of each new cash advance. There is a
and corresponding Annual Percentage Rate that apply to minimum Cash Advance Transaction Fee FINANCE CHARGE of
purchases and the Default Rate Plan Section. $: .00 and no maximum Cash Advance Transaction Fee FINANCE
The Daily Periodic Rate and corresponding Annual Percentage CHARGE. The imposition of Cash Advance Transaction Fee
Rate in effect on the date this Agreement is furnished to you are Finance Charges may result in an Annual Percentage Rate for
set forth in the Pricing Schedule. ca5h advances that is higher than the nominal Annual
DEFAULT RATE PLAN. We will review your Account on the last Percentage Rate, All forms of cash advances, including the use of
day of each billing period to determine the Annual Percentage Di~;cover Card checks, regardless of the purpose for which used
Rates that will apply to your Account. In reviewing your Account, arE~ subject to Cash Advance Transaction Fee Finance Charges. T~
we will look at the current billing period as well as the previous obtain the total Finance Charge on cash advances for each
eleven billing peri?ds. An~ increased rate .described below will bill ing period, we add any Cash Advance Transaction Fee Finance
apply beginning With the first day of the billing penod In which Ch,lrg~s for the billing period charged under this Section to any
we review your Account PeriodIC Finance Charges calculated under the Periodic Finance
Chilrges Section for the cash advance transaction category.
If we did not receive a required payment by the Payment Due
Date durin~ the billing period in whICh we review your Account, BALANCE TRANSFER TRANSACTION FEE FINANCE CHARGES. If
then any Initial special rate on balance transfers and any the balance transfer offer you receive contains a Balance
introductory or promotional rate on purchases that currently Transfer Transaction Fee Finance Charge, we will charge you a
applies to your Account, and any such rate that we have. Balance Transfer Transaction Fee Finance Charge for the amount
previously offered to you, will terminate and the standard. of each balance transfer made under that offer. If there is a
Annual Percentage Rate for purchases will apply to your balance' Bal<ince Transfer Transaction Fee Finance Charge in conjunction
of balance transfers and purchases as well as any introductory or w!th the. offer you received when you applied for an Account. it
promotional rate on purchases and any initial special rate on, will be. In the amount set forth in the Pricing Schedule. The
balance transfers that we have previously offered to you. In: Imp'JSltlon of Balance Transfer Transaction Fee Finance Charges
addition, if the standard Annual Percentage Rate for purchases: may ~esu!t in an Annual Percentage Rate for balance transfers
is less than 19.99% and during the immediately preceding that .IS higher tha.n the nominal Annual Percentage Rate. To
eleven billing periods we did not receive a required payment by, o~~am the. total Finance Charge on balance transfers for each
the Payment Due Date, then the Standard ANNUAL billing penod, we add any Balance Transfer Transaction Fee
PERCENTAGE RATE for purchases will be increased to 19.99% (a Fina.llce Charges calculated under the Periodic Finance Charges
Daily Periodic Rate of .05477%), sectl In for the balance transfer transaction category.
If your outstanding balance exceeds your Account credit limi~ as MINIMUM FINANCE CHARGE. We will charge you a minimum
of the day we review your Acco~nt a.nd your outstandmg FINANCE CHARGE of $.SO for any billing period in which some
balance exceeded your Account credit limit as of the last day of I FINANCE CHARGE of less than $.50 would otherwise be imposed.
any billing period in the immediately preceding eleven billing' .
periods, then any initial special rate on balance transfers and any I RET~RNED CHECK FEE. We will charge you a Returned Check Fee
mtroductory or promotional rate on purchases that currently: of S',9.00 ~ach time you pay us wlth.a check t.hat IS returned
applies to your Account, and any such rate that we have I unpa:d. ThiS fee will also apply If a debit tr~nsactlon to a d~j:loslt
previously offered to you will terminate and the standard aCCOl nt from which you have authorized us m wntlng,
Annual Percentage Rate for purchases will apply to the balance electrOnically or orally to periodically deduct all or a part of an
of your balance transfers and purchases as well as any amou~t you owe us un~er thiS Agre~men~ 15 returned unpaid.
introductory or promotional rate on purchases and any initial We Villi char~e you thiS fee the first time .any payment 15
special rate on balance transfers that we have previously offered returned unpaid, even If It IS paid upon resubmlsslon.
to you. If the standard Annual Purchase Rate for purchases is less RETUHNED DISCOVER CARD CHECK FEE. We will charge you a
than 19.99%, then the standard ANNUAL PERCENTAGE RATE for Returned Check Fee of $29.00 each time we decline to honor a
purchases will be increased to 19.99% (a Daily Periodic Rate of Discover Card cash advance check, balance transfer check or
.05477%). other promotional check.
If your stan"dard ANNUAL PERCENTAGE RATE forpurchases is less STOP PAYMENT FEE. We may charge a Stop Payment Fee of
than 24.99.1" and dunng the .current .and Immediately precedmg $15.00 each time we stop payment at your request on a cash
elev~n billing periods you either failed three times to make.a advance check, balance transfer check, or other promotional
required payment when due or exceeded your Account credit check.
limit three times as of the last day of a billing period, then the
standard ANNUAL PERCENTAGE RATE for purchases and for cash LATE FEE. We will charge you a Late Fee if you have failed, as of
advances will be increased to 24.99% (it Daily Periodic Rate of the P~l'ment Due Date, to make the Minimum Payment Due that
.06847%). . was :equired to be paid by that date. The amount of the Late
Fee IS based on the sum of all outstanding purchases, cash
CASH ADVANCE TRANSACfION FEE FINANCE CHARGES. We will a~vances, balance transfers. other charges, other fees and
charge you a Cash Advance Transaction Fee Finance Charge of FinanCE' Charges at the end of the billing period. If the sum is less
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than $100, the Late Fee is $ 15. If the sum is equal to or greater. others, how we safeguard the confidentiality and security of
than 5100. and less than $ I, 000, the Late Fee is $25. If the sum is information and the steps you may take to limit our sharing of
equal to or greater than S1,OOO, the Late Fee is $35. l:uch information with others. Please read it carefully as it is part
()f your Card member Agreement. As indicated in our Privacy
PAY-BY-PHONE FEE. We may from time to time allow you to Polrcy, we may report to credit reporting agencies and other
make payments by authorizing us over the telephone to transfer creditors the status and payment history of your Account,
or pay funds from a deposit account to your Account. We will including negative credit information. We normally report to
charge a pay-by-Phone Fee of 510 for each such transfer or such credit reporting agencies each month. If you believe that
payment. our report of your Account status is inaccurate or incomplete,
RESEARCH FEE. We may charge you a Research Fee of $5.00 for please write us at the following address: Discover Card, PO Box
each copy of a billing statement or sales slip that you request. 15316, Wilmington DE 19850-5316. Please include your name,
However, we will not charge a fee if you request copies in address, home telephone number and Account number.
connection with a billing error. We may from time to time review your credit, employment and
OVER LIMIT FEE. We will charge you an Overlimit Fee each time income records. Our personnel may listen toor record telephone
that as of the close of a billing period your outstanding calls be~een you and our representatives In order to evaluate
Acc~unt balance exceeds your Account credit limit. This fee may the qualrty of our service to our Cardmembers wl~hout notice to
be charged even if the transaction which causes you to exceed YCIU. We may use any medium, including but not i1mltedto mall,
' . . '. 'f d live telephone calls, automated telephone equipment
your Account credit .III,\lIt IS authOrized ~y us o~ I you excee I prerecorded telephone calls. and e-mail to contact you aboui
your Account credit limit due to the posting of Finance Charges yc,ur Account or offer you products or services that may be of
or fees to your Account. The amount of the Overlimlt Fee IS! value to you. If you prefer not to be contacted in one or more of
based on the sum of all outstanding purchases, .cash advances,. these ways call us at 1-800-225-5202 or write to us at Discover
baiance transfers, C?t~er cha.rges, otherfee~ and Finance Chargesi Card, P.O. Box 30961. Salt Lake City, UT 84130-0961. We provide
at the end of the bIlling period. If the sum IS equal to or less than i various methods by which you can obtain information about
Sl,OOO. the Overllmlt Fee IS 515. If the sum IS greater th3n, your Account. We will only release such information to you, any
$ 1.000, the Overlimlt Fee IS $35. ; AL'thorized User that our records indicate is an authorized buyer
DEFAULT-ACCELERATION-COLLECTION COSTS. You are in default on your Account, and any other person with your prior
if you become insolvent; if you file a bankruptcy petition or have permission, In addition to as provided in our Privacy Policy or as
one filed against you; if we have a reasonable belief that you are required by law. Our security measures cannot insure against
unable or unwilling to repay your obligations to us; if you are unauthorized inquiries. You agree that we will not be
declared incompetent by a court or if a court appoints a responsible for the release of information to anyone who, even
~uardian for you or a conservator for your assets; if you die; orl if without your authorization or permission, has gained
If y,ou fail to comply witli the terms of this Agreement. including I pO:isession of a Card or has learned other identifying
failing to make a required payment when due. exceeding youri characterIStics about you such as your personal identification
Account credit limit, or using your Card or Account for a' number, Account number or social security number.
Prohibited Transaction. If you are .in default. we may declare the ELECTRONIC COMMUNICATIONS. We may offer you the
.--., entJre balance of your Account Imm~dlately due and payable opportunity to receive certain notices from us electronically
, Without notice. If we refer the collection of your ~ccount to an rather than through the mail, including monthly billing
attorney or employ an attorney to represent us With regard to statements and change of terms notices. The terms and
recovery of money. that you owe us, we may ~harge you conditions for receiving these electronic communications will be
reasonable attorneys fees and co~rt or other collection costs as described in the offer.
permitted by law and as actually mcurred by us. We may delay
, enforcing or not enforce any of our rights under this Agreement CREDIT AUTHORIZATIONS. Certain transactions will require our
' without losing or waiving any of them. authorization prior to completion of the transaction. In some
-- I b 'fy' . cases, you may be asked to provide identification. If our
CANCELLATION. You may cance YOlfr Account y notl Ing us In authorization system is not working, we may not be able to
writing or by telephone and returnmg or destrOYing every Card authorize a transaction. We will not be liable to you if any of
and unused ch~ck that we have prOVided you. Of course. y~u will these events happen.
stili be responSible to pay any amount you owe us according to
the terms of this Agreement. If your Account is a joint Account, CHANGE OF TERMS. We may change any term or part of this
each of you may cancel your Account. We may cancel or suspend' AgrE,ement, including any finance charge rate, fee or method of
your Account at any time without notice. We may choose not to computing any balance upon which the finance charge rate is
renew your Account (beyond the expiFation date shown on th asse:>sed. or add any new term or part to this Agreement by
face of a Card) without notice. sending you a written or electronically delivered notice at least
. '. 1S d..ys before the change is to become effective. We may apply
PRIVACY. We respect t~e privacy of. mformatlon about you and any wch change to the outstanding balance of your Account on
your Account. Our Privacy Policy Includes a summary of the the effective date of the chan e and t n w ch r s ad ft
personal informatIOn we collect, when It may be shared With 9 0 e a ge mea er
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't.... .. ........'o~ In ~o e'ientW\\1 yoU be reQulred:to pay any ~eeS
'1'1\ 1\ IUrls",I,-,1 B. ". .' ... b':t'~t' o~ pro-
s:tS' urred 'oy uS In conneCtiOn W\t.. an ilr I. u I "
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award within 3() days to a three_ar\;lltrator pane
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new tefTllS as 0 sut" e e. :.." ne '.' -. .
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\lro'iisIOfl. 01 the 1>-9reef1'\len\~r- 0 cI:~ \lor- dIspute \;l~ \;linding
we f1'\a~ elect to resO "e e
ar\litr~t\Of\. E\I\-\t.R '(0\.1 NOR '
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we ma~ elect ~rl:litr3tlOn v,lIth respe ....ed \n tnat laWSuit. and
.... ~ neW claims later aSSe\' ."'
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arbitration shall \le c.onc\ucted,.at ~.~'" P c\'sp' >>e'''I)P.MSror t\1e
. t' 'Iaim bv 'eltner,.,);...",,,,..n \ v'. \ .., ..... .
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procedures m ettt~\ct If< ~f\~ or .t.or-:othet 'intormatiOn,..,tontott
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)p..MS 3t \92() MalNn ;re;~6~~~;~O'9~,~~;nneapo\\s;\v\l'l5S4qS .
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lpnofle \_80Q4'o7.At.1t3'17o'in\;~g'i~clmif\istrati"e and nearing {ees.
ad'iance any 3f I ra .
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of this Agreement becomes unenforceable; it will not make-any J
other part unenfor.ceabl_:: ". :.' ..' - ".', 1
Discov!'r Bank' .... .:; 1
DISCDVER CARD . -: ': -'~, I
'.fI(0 ;J/ .;:' 1
Vice. President ~ I
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. .,.P'RIVAd pOLiCY'= ,. :..:'" ..~' ..: Ii
We . Respect Y9ur f>d.vatY:"'.j?~;:.'J.::.:.~
Our miSSion is to provide you with ..superiC!r:products-:a.rie.-
services, along with the .peace ,of mind knOWing .that ,your
privacy is secure. We understand your concerns about guarding I
information about you and your Account. We want to assure you
that we have taken steps, and will continue to take steps, to
safeguard that 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.
o The circumstances in which we may share information with
others. .
. The ways we safeguard the confidentiality and security of
information. . "- , ..' ..
. The steps you may take, to -limit, our' sharin'g 'ot".such
information with others. See Section 4 for complete details.
Please read our Privacy Policy carefully. It will help you under-
stand how we collect and share information.
1. What Personal Information 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 applicatiens and other
forms you submit to us, from your dealings with us and ethers,
from consumer reporting agencies, and from pthe~ .sour-.c~~,. sucb
as our Web sites. Fl)r.example: .~.. . . .<" : ,.~ ;''':''. :~':; :.::
~ We may obtain information. such.as:Y9.ur :name,.;~ddress..and
': date9f,birth .fr()m appl,icatio~s .anto~~7.r,for,r;ns XIJ~ .s~~rnrt. to.
_u~'-"~"'.I ~"). : ;r'f,'~ ~~:-:!.,:. ..... .~~~~ :~. ~.~ f.b"._:t,floo..i:~:t1.l(fr':.~'~;l'~;~':.j
. We' may obtain. .information.;such:.as A~cpuf.lt .baJances;
payment history, your use_ .ef. your Account. ,and the types of
services you prefer from your transactions _and othe.r dealings
.with us and others, _ :;.... .:-''',:;:'' ,'. ,..:.':.":
. We may ebtain informatiollsuch as the balan.cesof-yeur.loans.
with other lenders:and-your payment history with others from-
consumer reporting agericies::~'-= 'c.:: -..':..:i :". .,
. We may obtain . informatio~;':5ucn . as: y-olJi' Internet service
prov'ider, your domain name, ,yeur.computei's eperating. ,
system and Web browsec, yeur Web site use and youc:product
and service preferences-from your visits to our'Web- sites..
-14 -
2_ls Persoria/lnformation Shared With Others?.~1 ~'Iir.:'ij;~...."
We!lini~'the sharing ef'infor.matJo.n ',^:itli otheri::M~n};;C!iftbi!
etfersyo'u' receive for preducts and servICes are proviCled di'rectly
to you ffom 'us. Fer example: a-ret'ailer thafaccepts the Discov~~
Card may come to us with a special offer for Cardmembers, such
as: -a discount certificate:':er:_:product upgrade.': After IcarefLiI
censideration of the nature: of. the. offer and'.the comp.any/we
will create a list of Cardmembers who.. may be interested in the
offer based en certain characteristics. We will send the offer
directly to. those Cardrnemb~d qo, behalf of th~ retailer QY" 'fei
example, indue jng an~nserf :JJitheir mc;mth!y, bOIIng'Statement
or mailing th~ offe.co.Ws~Ii~~:1~e.,9?r1tr61.t~e ~tJjor!:T1atj9~ u~ed
to. make tl:ieo.ffer; 'we.ao:llets,nare the'hs'\, or anY)nformatloR
abouLollrc,Cardmer.hbers '.;iNith::tlie reta'i1er_ Hewever, please
under:Sta'iid th'a(if yelid6 receive this type of offer froiTtUs and
choose to -take' advantage et' it; the retaifer may then learn
informatien abeut you because only Card members with certain
characteristics 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 companies in order to previde you with access to products
and services and to service your Account effectively, as getailed
belew. We require these companies to. adhere to eur: privacy
,tandards and to use this information only for the~ limited
~urpose for which it was shared. We de not allow..!hem to.
disclese it to. others witheut-.our prior,approvar. . ,-,.:" '0'
il. Sharing Personal- Inferrriati;~: with, Our torpor!!te Family
We are part of the Morgan Stanley family of companies. Our
torpor ate family effers a wide varietY ef products and services
that can help you manage your finances. In order to provide you
with access to these preducts and services, we may share the
information we collect about you, as described in Section 1, with
c.ther members of our corporate family. These cempanies in~'ude
financial serVice providers.that offer. mortgage len~ing seivices,
securities and asset'. mana'gement' services,' investment
cpportunities and mutual.-funds; and may'.irlcludenon-financial
s,~i"Vice prov.iders'.in.tHe;future.'is>our corporate family continues
tlJ grow.h'i:~~~ 7:;: :~~. .~1;' .: I':~~~_ :. . -: 7~;'<". ..,:::; :" " ..-.r. ;;_'.,~ Jj "':.?)
8~~liaring:ifA1/ii'a(in/9~ri1atferi' ~]i~:N~!l:Affllfa,~cf Paitje~' tor
:'MarkettngPurpeseL:l-::.-,'~: .:~:':;. .:',,'<;'\:'. ::,:
We may sha-re. the (nf0rmati'0~ we collect about .you;---as
described in_ Section. " with non-affiliated third parties,
irciuding - those that .accept the Discover Card, iri. order. to
provide you with access to preducts and services offer~_9 9jrectly
by these companies that may be ef value. to you...:.The~e
CClmpanies include fina.ncial service previders, such as insurance
CCltnpanies, .and.non-fi.nanci~1 companies, s~ch as retallers. . _
c. Sharing Persena/lnformatien. with Others
We may. share the informatien' we collect about y.ou, .as
described in Section " with companies that perform suppert or
milrketing services on eur behalf, such as mailing, market
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research and data 'p~ocessing;. other' financial.'instltutions witM
which we have joir:lt marketing. agr.eements; .or companies,that
are our partner5 for cobrand ,~redit card 'prograr.rls, or, r'eward
programs. We may also share:such iriJormation:as'perri,itted by
law. .. .~:~,:!. . 'n" ',,_ ...'n '
3. How Do We Protect.. The Confidentiality, Security And
Integrity Of Information_Ab~ut Yo~7, .', . .. . .. .
We maintain physical; electTi;>nic and procepurar safeguards to
protect the information. we, C911ect about..you: .A~.ce~s 'to su.ch
information is restricted'to individuals who need it'in' 'order to
seniice Y(lU[ AFSo~~~,otp'rovide; produ"~1:sr~anc:se~[ces'to ~:O{i;
and who a~e trainedlr:l thep[operhandhn.g .of such informat!ol)"
Employees who violate 'these' cOr)fideIJ1i.ality requiremen\S'are
subject to our disciplinaiy process. Where thir~ 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
information is incomplete or inaccurate, please write to us at
Discover Card, P.O. Box 30943, Salt Lake City, UT 84130-0943 so
that we can update this information.
4. How Can You Limit Sharing Of Information About You7
We respect your privacy and offer you,ch'oices as to whether we
may share information about you:';vith'.o'therS::lfyooprefef tha.t
we not share the information we.co.llect.about-you; 'as described
in Section 1, with non-affiliated third parties or if you prefer that
we not share that information with companies in our corporate
family, you may opt out, that is, you may direct us not to share
that information. If you indicate a preference that we do not
share that information. please understand that you will not
receive offers for products and services. p,rovided..,by 9ther
companies that could help you lower your..cg~ts,._max!mize your
financial resources and manage r!>\J!}il1a~ces.. ' . .
To indicate your preferenc~s;"cali'~~;at. ;.',800,225-5202 .or '~~ite
to us at Discover Card, P_O. Box 3096, ",.Salt Lake City, U1; ~ 130.,
0961. If you have previously notified us about, your privacy
prefl1ren~es" it is not necessary. ,to do. so again unless yo.u deCide
to change your-preferences. Youi'writte'n'r,equest:~b.ol,!IC!.jn~hjde
your name, address, te,lepho.ne lJumber ana Account number(s)
and should not be' s'er'it with'any otlier correspon.dence_)n'order
to process your request; we require that the request be provided
by you directly'and not through" a thira'partY: you will need to
provide us with. your preferences -for .each' credlt'cara' acto!];,t
you have with us. ',' ,: '," . -:.. ". .. ":::c
You' may iiotify'~s .abo:vi you/pre.i~ren'(~~,,~{ a,ni tiryie~;.,Your:
request will remain ineffec'funtii'you n01ify'us'othefWise: We
will honor your request and not-share'the-inforriiation we'colrect
about you. except as permined by.law. For example;~tederallaw
permits us to share information about you with consumec
reporting agencies, service providers and marketing partners. It
- 16-
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also. permitr;~S'.to'si'l<lre..infonnation. about. our 'experiences and
transactions,'. with, you, such.. as 'your Account. balance and
payment history; with other, members of our corporate family. If
yo!;!. are a. new. Cardmember, we will not shar.e any information
about 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 us about your preferences. If you are an existing
Cardmember, please .understand that you may continue to
receive marketing offers directly from other companies that
wer.e. already, in production prior to the processing of your
r~~~_~~~.:~~;~.~ :....~i.~~I~;;-j~~;t.~~I~.:',.:~.~T~~.~. : ,:,/~,: ~...I . ",:. ,~
This PrivaCy. Policy.is;provid.ed'to. the .pri(Tlar,y Cardmemberlisted
on .~he .AcCOU(l~,!"Iovv~~~rl..~ny jpint'Car,~e.rl)ber has the right to
nCl1JfY,_us aP8u~ .pref~re(lceqn,9 yYe.:M.JI treat .~hat reque5t. as
applYing to theentjr~ Account:We''dci'not 'share' information
about former cUstomeri, 'except as permined by law.
This Privacy Policy is provided to you by Discover Bank and its
subsidi~ries, which currently include GTC Insurance Agency, Inc.
It applies to the Discover Platinum, Discover Gold Discover
Classic, Discover Private Issue'., Discover Titanium Cards, and the
products and services offered in connection with those cards,
Including The R~giste'" card registration service (with the
exception of any Information registered in connection with the
service, which will not be shared). It is part of your Cardmember
Agreement and provides a further _ expla.na,tiQn,. of. how .we
collect and share'lnfor.mation, ,you :rnay,.have other'.rights;under
st?te laws that apply to this. information,. Please. note, that' you
Will also receive pnvacy 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 and. North Dakota Residents - Your .state laws require
finanCial. mstltutlOns to ~btaiT.\ your ,consent prior to sharing
Infor~atlon about. you With others. Except as permitted by law,
we. ~i11 not '.share ~for.mation,.we ,coIlect.,about '.you with non-
.lffl!lat!!d thJ~d partles or, if you are, a,.Vermont resident, with
companies in ourcot~qr~.t; f!l,triHy'~hless youc'aUus at 1-800~
DISCqYE~ and M,. h.~\lze,;u,s._ to.d~)ci...::<'.:". ,_;,:~,::,~ .' :.:, '-
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.~'" &~'i.~' ~.~,~;
Your BillirigRight5.
KEEP THIS NOTICE FOR FUTUREUSE.'"
This notice contains important inf6rmaticiri about 'y~'u'r' righ~
and our responsibilities under the Fair Credit 8i/ling' Acr.':'" c,'
1. Notify Us in Case ~f Er'rors'.o~ Questions. About Your Bill":" ,".
If you think your bill is wrong, or if you need ~ore infor;;'a'tio~
about a transaction on your bill, write us on a separate sheet of
- 17-
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paper at. the!. address. 'listed on'~y.out. bif.l ,for' Notice .of '.Billing
Errors, 'write. to us. as soon- as possible. We must hear from you
no laterthal1. 60 days after we'sentyou the first bill'on which the
error or problem appeared. You'.cantelephone 'us, but doing so
will not preserve your rights. : ',; ... '.";':' .' . . ..
I~ y()ur.le~er,give~.s.~~e fOIl_e~Jng.il1fp~rn~1i6n: . _
. your nam~ and Account-number.' -'-
. your dollar amount of the suspected error. ...
. describe the error and explain, if y~u ~an: why\'ou believe
there is an error. If you: need more information, describe .the
'f!t;:uyoh~:~~, ::~~~:~z:;::~~~ '.:~:, :'Z~";;:~? ~-~r~~~i'i'~~]r~, Z;lf
automaticallY: 1rom yt;lu~:~avi!lgs,or ch~cki~g account, YO~"car:1
stop the payment on _a(1Y amoyntyou think IS_l':'ror:1g. To'stop the
payment, your letter musneach us three bUSiness days before
the automatic payment is scheduled to occur.
2. Your Rights and Our Responsibilities After We Receive Your
Written Notice
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 collect any amount
you question, or report you as delinquent. We can continue to
bill you for the amount you question; i]1dudingfinilnce charges,
and we can. apply any unpaid amblint "agai,.1rt, your. Account
credit limit: You do not have to pay any questioned amount
while we are investigating, but you are still obligated 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 any 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 ~ate that 'it is due.
. ." ,', ~ . . ..' . . . , ,~ t... :....,.~.:.. ,.".. j. .~. z .
If .you fall to pay the amount that we'fhink you owe, we. fIlay
report you as delinquent. However.1fou~expjana\ion: does. not
satisfy you and you write us'within ten' 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 anyo.ne we report
you to that the matter has been settled between us- when it
finally is. If we don't follow tljese .tules, we.can'tcollect the first
$50 o,f thoe Qyestione.d.amo~nt, ~ven .if'your biU was c~.rrect. -
3. .Special.Rule For Credit .C~~r{!,u~has~s, '" , . ..;.
I(youh~y.e a problem with:the ,qualitY..of,.gooQs ooervices that
you p.urchased with a credit card, .and yo,u tried in goocLtaith to
correcfthe problem "with tne 'merChant; 'you may have the' right
not to 'pay the .remaining amount due.an the .goods or services.
There are two limitations on this right: ..
- 18-
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(a) 'YOlJ; mClSt'have"madt>.the- purchase in your home state -or, if
not'within'your: home state, within 100 miles of your current
malling,addr.ess; and
(bl'th~ ~~'rchase price must have been more than $50.
'~.":'.h_ '..: ',:.. .
These limitations do not apply if we own or operate the
merchant, or if we mailed you the advertisement for the goods
or services.
DISCOVER".CARD
CASH BACK, BONlJ.S.'PROGRAM
TERMS AND CONDITIONS
I
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The Cashbaclc Bonus. Terms and Conditions constitute a
separate a nd independent agreement from the Cardmember
Agreement and apply to Accounts that participate in the
Cashback Bonus F'rogram. However, these Terms and Conditions
are subject to the Arbitration of Disputes section of the Card-
member Agreement, which is incorporated herein.
1. Cash back Bonus awards are amounts denominated in dollars
and cents which may be accrued by Cardmembers by using their
Discover. Card for Qualified purchases. Cashback Bonus awards
include Traditional Cashback Bonus awards and other Cashback
Bonus awards as described below. Cashback Bonus awards are
not accrued for Prohibited Transactions.lasdefined in the Card-
'Tlember Agreement), cash advances o'r balance transfers..
,2. Traditional Cash bacK Bonus amounts are calculated based on
purchases made during an annual period corresponding to the
Cardmember's anniversary year as described in paragraph 3
below. The first anniversary year begins on the date the Card is
issued and ends on the last day of the twelfth monthly billing
period which follows. Each successive anniversary 'year is the
,'pproximate one-year period comprised of the next twelve
rlonthly billing periods.
3. Except as provided below and in paragraph 4 below, the
accrued amount of a Traditional Cashback, Bonus award is
c!lcufated by multiplying the total Qualified purchases at the
end of each billing period by: . .
. .25 % (.0025), if the purchases are part of the fi~rt $1,500 in
purchases during the anniversary year, or, if the purchases are
made at select warehouse clubs or discount stores, and
. .50% (.0050), if the purchases are part of the secopd $1,500 in
purchases during the anniversary year. and i .:. - -
. 1.0% (.01), if the purchases are part of the purchases. in excess
of .$3,.000 during the anniversary year. . ~ ~':.'" ~:' ~, ':
Any purchases made at select warehouse c1ubs:oF d/seou'nt stores
will be ineligible for a Traditional Cashback BOnus- award in
excess of .25 % (.0025) of the amount ot the purchases. However,
- 19-
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(,f J2Q or~~tJ~~~~r:ue9.:casboacKacjn:0.a~ar;<n'~i\\ ~e paid to
tbf~,oi!f~Pl?7r~?~n A~~:oi;lnt ,red\tJ.~. s~q itl(~emen~J!.1he
"9 re..\jJlg;!ior ,,"'"'\l'" ,of "~'"'!<!~ J.! ".""" _",d,
tH~t;~~rj1_qu.nt ~\\\!~e..ior\elted. If an,. A~CounVs dosed f9nt1Y
rea~on." a.!\y"Casnbac\( Bonus awards In t\1e Cash~a~~-Bbn\ls
~\<,,~tt'!I,~tir'~'" ',' '.- ,,;;.. -:;,,~ - ;:; ....
tic :,~ ;qualifyi09 . Card member. may' have the: opporturiity .to
choose the manner .in whidr. Cashback ilonus awards: are
disbursed induding, a credit .to the. Car.dmember's Accolilnt;.a
check that is mailed to the Cardmember, or ar-rellchange otthe
Cas.hback ilonqs. a.,!"ard for' ,seleC!ed.produ$. .qr. ser.x.ice~,Jbe
terms ill which ~~I\.~e ~QPtai[1eq .ihth\"o~er,.(ardff\ernb~(s jila'1
select more than one iedemptloo' method',howeven!ach
redemption o:and- eacn-.rede'i:i1ption methOd ,must be -in ..$20
iI1crememS'. .Discover-,Gard may_change the.1edemption me.thods
il1 'its:sole discretion tram-time to time. It is the Cardmember's
r,~sponsibi\it)' to' notif)' Discover Cardin the event a Cashback
BonuS disbursement is not received for any reaSon.
\ Cardmembers'may redeem Cashback BonUS aWilfds by tailing ;.
\ B77-YOUR AWARD (;.B77_90B-7292 (MOnday-friday, 7am' 7pm
\ CST) or on the Internet at Discovercard.com. !'rior to
rl!demption, tne transactions on which CashbacK BonUS awards
are caicu\ated may be audited for compliance wit\'. these Terms
\ and conditions.
\ 7 In the event a Card is \o>t or >tolen, the accrued amount'ol the
cashbacK Bonus award~ .in the Cash'oack"Bonui !!iltount the
. amount olqualiiying purchaies';-inifthtanniVeisaW"oate':from
the old Account will be transferred to: the~ri~W ACc:ount. . . .:'"
B. Discover Card reserves the right to make other adju>tments to
Cash back BonuS amounts accrued based on Account activity: -lor
e:(ample, any returns will decrement these amounts as
dl!termined in Discover (ard'S sole discretion. Discover Card also
re.serves the right to truncate or round Cashback .Bonus amounts
tc> the nearest cent as determined in' its sole discretion. If the
CilrdlT)ember reteives a Cashback Bonus award Yn 'excesS 01 the
arnount~ in tpe CasnbaC\( BO!1lj~ "'ccoun~;':~l}e Cardrnernber's
A,:count ~i\\be :deQitedJqT tl)e. entl.W cimourit'df thil'erraneous
award' disbursement: TI'\Is' amount v"iu'oe'slib\ectto the' terms' of
th, ",~""",,,,,j9~"" i""o.;,'b,oI \,Ol:Mm~" '". "'.
1111posltlOn of.f.inance .c\:larnes. .... ..,: ..:. .' ,. "', ~:: '
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,. Th'~ wm' ", ,~...i;",.,,; ;o,id .":'h;O';-;~
ntltlCe. Changes may be made at any time. and may indude, bot
are ~ot limited to, modif)'in9 the \eve.I.of purc)1ases I.equired. to
qlla\ity .lor the varioUS tiers, establishing a rnAll\mUm a~oui\.(!lf
(cshbac" il.onUs award (ardmembersm.aYJeceive. 'changir.ig'Jhe
31110unt.>that must oe accumulated In the .cashbad( BonuS
ACCOu(\t.bet6re,an award may oeredeemed~ cbanglngthe. types
0-1 transactions that constitute.a qualified. purchas.e, changing..'
the amount of c~shbatl( BonuS award atcrued o'n certa'lO types
oi purchasesi .imposin~ additional restriCtionS/Or. terminating
~h,~ program.:' .,'
_ 21 -
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these.purchasesw.lI\ cont\nue:to'.be.included'in the. total amount
0-1. purcnases 'made dur\j\.;r;the..',al1r\iV~rsal)' ,year.~ and '.osed.to
determine the applicable percent'ilg'e rate listed' ab6~e for other
. purchases. please cal) i_800.~47.78;9G. o.\.,y\~it our.Web site at
Oiscovercard.tom .tor a list of these select'warehouse dubs and
discount storeS, ,.,>, or" co'.';;' "':';~'
. . \~. . .
Tn'etotal of thes;tillculatiom for eacW~i\nivlfrsard~aUitf1e
accrued amount of the Traditional Cashback BonuS award. The
accrued amount of the Traditional CasnbatK BonUS award will be
made ava\\able to Cardmembers as .~escr.\bed beloY'l provided
the conditions con1ained~ it:r.pa\agiapn,~5..below are...rne\. The
calculation -lor the. Traditional Cash back . BonuS award begins
again with the begin.ring 9t~~Ch.Enri:ver.s~i-yYe~t. . .
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4. Cardmembers may al~o be offered,' from tim~ to time: other
Cashback BonUS awards (1.e.;'.by making a.purchase at'aipeCifR
merchant), the termS' of whid'1 will be disclosecf in the offer.
These purchases will receive the award amount described in the
offer. They will not be considered qualified purchases for
purposes of determining the annual level of purchases and
calculating the Traditional Cashbad( BonuS award unless
otherwise disclosed in the offer. These other Cashback Bonus
awards will accrue in the cashback ilonus Account 'In accordance
with these Terms and (ond'ltions unless an alternative method of
disbursement '15 disdosed in the offer. In addition, if, as of the
date Discover Card determines whether a Card member has met
the terms of the offer, the Cardmemlier's Account is closed or
delinquent, the card member will'not 'fetefv'\!. t\1\s. other t~shtiacK
Bonus award unless otherwise disdosed irftheofle('nof wi\\the
Card member receive a Traditional Cash bacK BonUS award on
these purchases. The accrued amount of these other Cashback
BonuS awards will be made avai\able to Cardrnembers as
described below provided the conditlOnl tontained in paragraph
5 below are met.
5. All cashback Bonus awards will be held in the Cash baCK BonuS
Account. The Cashbac~' BonuS amount available for
diSbursement is the amount in the Cashback BonUS Account as oi
the last day of the' cardmember's', previous \:iilling:':period.
However, Cashbatk' Bonus..awards" may.be' redeemed '.in
increments of $20. only. Cardmembers have no rignt to' accrued
Cashbad( BonuS amounts of less than $20~or amol:l6tiwithiri~he
S20.increments:. ,.:,..: :,;';~;'-;: :;:<<:;;;,,:.
Only Cardmembers in good standing ~itb:~peri Accounts .may
atcess the accrued :Cashback ilonuS .awards' in the .'Cashback
ilonuS "'ccount. To be In..good standing a (ardmember may no~
be delinquent \asdescribed beloW) or in' default (as de-lined in
the Cardmember Agreement), and a Cardmem'oer may not have
used the' A'tOunt' .for; ,any pro\1ibited Transactions:,,',The
Cardmember is delinqUent:lf,OiSCOver-'Card'has not recei\leda
required payment by the Payment Due Date shown' on the
monthly billing >tatem7f\t.' .,.... .'. :., ~,
11 an Account is inactiv.e for 3& .consecutive months, any amount
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DESCRIPTtON OF.-COVERAGE~.,!".';; :'-_iCY;
", .",-' : :", .~', '. ~"--""'~'''',.'. .;. ..i;.,i'"l~:j:"''''.:''~_I~,...''~''',~'1
SCHEDULED AIR TRAVEL' ACCIDENT .INSURANCE. Discove~
Classic Cardmembeqi' are.'_provjdeW~.w.itb~:--up.:to'; ,$1 ~O,OQb
Scheduled Air Travel-AcCident" protettiori....W~e.nellef.'yo-l..(use
your Discover Classic Card (the "credi,t carq~Jtli ch~rge 'your
entire Common Carrier Fare Ticket on 'any Comm'er6al' Aircraft
operated by a Scheduled Alr-: Carrier. onder.' a:lkense.:f.or the
transportation of 'passengers'for hire (herein' ,alled"SCheduled
Air Carrier), you automatically receive this valuable coverage. at
no additional cost.. :';'" . ". .,.
The. bene'fit$.6f.the ~pli~y ~f.9.Yld,ing y~~r ~t[;vlrag~-'a/~ go~~r~~d
primarily by' the law_'of astate..other .th'a.Q..F.lor'ida;. :,:~._"... . :
.. '.,', ~~', .......,......;..... ,:.~ _',. ,...~_...'~' -0,,,1,,. '," -'-I, p.'
"Coverage is. underwritten .by. Natlonal:..UniolJ' F.ire :.Insurance
Company of. Pittsburgh; PA', (the;'"lnsl:Jrance,Companll",);' with
offices in New York, NY. Certa.in limitations and,~x.c1usions.:apply_
PLAN FEATURES . .
Benefit Amount:.S 150,000 Family Aggregate Principal Sum
ACCIDENTAL DEATH BENEFITS. Insurance coverage will be equal
to the benefit amount fo~ accidental loss of life. The loss must
occur within one year of the accident that caused the Injury.
Family Aggregate Principal Sum means the total amount of
insurance in force on the Cardmember, his or her spouse and
their dependent childrenfor.any onea.ccident. If..more.t~~~ qne
Insured Person dies.as the result of the..lnj4rles, re~eive.d .;,n.,any
one a.ccident. the Family Aggreg'i1te :PrinCipar 5um:wilrlie~pro-
rated and paid in accordance with' the claim payment a~d'.bene-
ficiary provisions of the Policy. Once the Family Aggregate
Principal Sum is paid for anyone Insured Person in a Family that
occurs as the resuit of anyone accident, no further benefits are
payable for further deaths in that Family due to Injuries received
in the same accident.
Maximum Accidental Death benefits payable under the PolicY.. if
more than one Card member suffers a loss from the same
accidef).t.. are li,mited, to an aggregate of,.PO,OOO;OOO .for. all
Cardniembers combineq. A:ny reduction i;>f b.erieflts necessary to
comply with this limitation' will be. made O.n'a 'prbportio.nate
basis'.to each,Cardmember up to this aggregate.limit 'of liabilitY:
AS used' herein, Card member 'mea6(;sard.tn~ber,,-pi~;.E(..h.~r
insured spouse and insured dependent child'ren. This aggregate
limit does not replace or in anyway affect the Family'Aggregate
Principal Sum stated under the P.olicy. : ..~",: '.":,':.
"Injury" means bodily injury: (a) which' .is'5ustained~s',a' Qjr.~ct
result. of .iln. uninterided; unant~cipated'.acci~enf ~hat. is:eXtemal
t~ the body and that occur~ while theirijufec:tperson'~.coYerage
under this-PolicY is in force, and (b):wh.i~h directly (jrld'ependent
ohidiness, disease, l]1en!al il)firryii}}-, .I?bdily jnfirmi.ty Dhny
other ca use).ca,uses. a ,,?-vered loss:'- ,-...":,;;....:: _h~, . -
DISAPPEARANCE BENEFITS_ We willpr~5umeyou sufferedloss'~f
life due to an accident if: you are riding in a Scheduled Air
- 22-
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€ar.r.lenrra't'~rihQM\ie(j;.If.i'13'to\rei'ed' accldennncas a result'of
the;' accide,nt,:'tlie-'; Scheduled' 'Air Carrier. is "wrecked, '.sinks;'. or
disaPP'ears;:arid'your body is 'notfound within. one (1) year of the
accjdent.'~' ;c..' :'... ::q..: .... .
Th;:t~tal Qf alJbenefltspay~bi~ for you, your spouse ~nd"you'r
dependeri!' children from the same accident will not exceed the
$150,DOD Family Aggregate Principal Sum. .
ELIGIBILITY. This automatic insurance is provided to eligible
holders of the credit card whose names appear on the credit
:ard, .their- spouses' and their unmarried depend.ent children
Jnder age 19 (age 23 if atte'nding school on a full-time basis and
'fully depend~nt D.I! you. for s~pp'Ort). However, the. ag~ limit doe~
not apply to. a,.c.Qild ,Y\lho is incapable of ;.self-sustaining
I!mployment by reason of mental or physical incapacity. ,
EFFECTIVE DATES. Your insurance under this plan is effective on
the later of: 1) July 1, 2001; or 2) the date you become an eligible
person, Your insurance under this plan will cease on the earlier
of: 1) the date the insurance coverage is terminated; Dr 2) on the
date you cease to be an eligible holder of the credit card.
THE BENEFICIARY. Unless you designate otherwise with a
beneficiary designation form, your death benefit will be paid, in
equal shares, to the first surviving class of those that follow: (1)
your spouse; (2) your children; (3) your parents; or (4) your
brothers and sisters. If, no ~Iass,has a survivor, the .beneficiary is
your estate. You may.chilnge.y,o.ur belJe1i~iary by writing_to the
Il1Surance Company at: Accide'nt &. Health Division, SOO West
Madison Street. Suite 22S0, Chicago. IL 60661.
CLAIM PROCEDURE. (Iaim forms may.be obtained through the
Insurance Company. Claims for benefits must be flied with the
. Insurance Company within 90 days or as soon as reasonably
possible after the loss occurs.
P..AN OF INSURANCE COVERAGE. You, as a Cardmember, and
your spouse and children will be covered against injuries that
result in an accidental death while as a passenger in or on,
including getting in or out of, Dr on Dr off of, any Scheduled Air
C.mier if the Common Carrier Fare Ticket for the flight was
charged to your credit card.
Companion tickets issued for free with the purcl:ia~e of a full-
fare common carrier ticket and used by a spouse or dependent
c~ ild will be considered as fully charged to the credit card, if the
corresponding full Common Carrier Fare Ticket is charged to the
cr<~dit card.
Coverage is effective when you board the Scheduled Air Carrier,
provided the full Common Carrier Fare Ticket is purchased, or
the travel reservation is made for the companion tickets. prior to
bearding such Scheduled Air Carrier. Coverage ends when 'you .
alight from the Scheduled Air Carrier. . ."
. .
EXCLUSIONS. Benefits are not payable if the los5 is caused by Dr .
rel,ults from: 1) self-inflicted injury or suicide; 2) sickness, disease,
or mental incapacity or bodily infirmity whether directly or
- 23-
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indirectly; 3) infections orany kind rega;dless'6j,h~w.contracted.
except bacterial'infections that. are.diJ:ectly:caused 'by. botulism:
ptomaine poisoning OJ an.al:cidentaJ .cut.or .wou~d in.dependent
and in the absence of any underlying sickness, disease, ',or
con~ition including but not limited. to diaQ~tes;4) committing or
attempting to commit a felcny;.,S). ~i:Ir qt?d of war. declared or
undeclared; or (6) travel or"fligf:\f.in'.Qr'.90..any vehicle 'used for
aerial navigation, as a pilot. operator otcre.v~ member.' .
LIMITATIONS,' ken;fits':~iiL'~;,i~;g~~"~y~YtGF?er !~~:1~~d:
member account, the credit. card,.under,.whiCh .-the. Comrpon
Carrier Fare Tickets were}UIJ~;0~r.g.~~::.:~~~:~~'~f:~;,:t~.::
Benefits' are. not payable 'for 16sseS"d~e;to'i)lj~'i'y'Stistaii;ea:while
on a trip for which the ticketswer.epurchased'with'a.tre!:luent
flyer voucher. . , '. .. '.-
Complete provisions pertaining to this plan of insurance are
contained in Policy 119029072 issued by National Union Fire
Insurance Company of Pittsburgh, PA with offices in New York,
NY. The premium for this inslJrance is paid by Discover Financial
Services. Inc.. out of income derived from its credit card
operations.
Please read this Description cof Coverage. Keep it in a safe place
with your other insurance documents. This Description of
Coverage (Form Number S.3036500C) is' not a .coh'tiact'lof
Insurance but Is simply an Infllr[native statemenfto each' elfgfble
Individual of the principal provisio'ns 'oHhe' insurancewnile in
ff . . . - . -. .
e ect.
If a conflict exists between il statement In this Description of
Coverage and any provisions in the Policy. the Policy will govern.
Claims administered by: A8IH Claims Department. P.O. Box
15701. Wilmington, DE 19850-5701, (800) 551-0824.
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VERIFICA nON
The undersigned does hereby verify subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn
falsification to authorities, he is an attorney for the Plaintiff herein; makes this Verification based upon the facts as
supplied to him by the Plaintiff and/or its agents and because the Plaintiff is outside the jurisdiction of the court and
the Plaintiff s Verification cannot be obtained within the time allowed for filing of this pleading, and that the facts
set forth in the foregoing pleading are true and correct to the best of his knowledge, information and belief.
..'
"
CERTIFICA TE OF SERVICE
A true and correct copy of the within Plaintiffs Motion for Judgment on the Pleadings has been
served by U,S. Mail, Postage Pre-Paid, on tl day of December, 2004 upon the following:
Bruce Ensor
1024 Teakwood Lane
Enola, PA 17025
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
DISCOVER BANK,
Plaintiff,
Case No.: 04 -. 5243
vs.
TYPE OF PLEADING:
MOTION FOR JUDGMENT
ON THE PLEADINGS
BRUCE ENSOR,
Defendant.
ORDER OF COURT
AND NOW, to-wit, this _ day of , 2004, upon Plaintiff's Motion for
Judgment on the Pleadings, IT IS HEREBY ORDERED, ADJUDGED AND DECREED that said Motion
is GRANTED and Judgment is entered in favor of Plaintiff and agaitlst Defendant Bruce Ensor in the
amount of $1,725.96 with interest at the legal interest rate of 6% per annum from the date of the
judgment, plus attorneys' fees of$300.00 and costs.
BY THE COURT
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PRAECIPE FOR LISTING CASE FOR ARGUMENT
(Must be typewritten and sutmitted in duplicate)
TO THE PROTHONOTARY OF CUMBERLAND COUNTY:
Please list the within matter for the next Argunent Court.
. ---------------------------------------------------------------------------------------
CAPTION OF CASE
(entire caption must be stated in full)
DiSCO\f~C Bank,
( Plaintiff)
vs.
B:cuc.:e El1:,:)c
(Deferoant)
No.
5243
civil
l<<l 200f+
1. State matter to be argued (Le.. plaintiff's notion for new trial. deferoant's
darurrer to carplaint. etc.):
Motion for Judgment on the Pleadings
2. Identify counsel who will argue case:
(a) for plaintiff: Benjamin R. Bibler, Esq.
Address: 2718 Koppers Bldg., Pittsburgh, PA 15219
(b) for defendant: Bruce FAlsor, Pro Se
Address: 1024 Teakwood Lane, Enola, F\\ 17925
3. I will notify all parties in writing within boil) days that this case has
been listed for argt.Irellt.
4. Argunent Court Date:
Dated: 'lI8/0S
CERTIFICATE OF SERVICE
The undersigned hereby certifies that trUle and correct copies of the
within Praecipe to List Case for Argument was mailed to the following on
this g-l..-h day of re 0ruc~r~, 2005, by first class, U.S.
Mail, postage pre-paid:
Bruce Ensor
1024 Teakwood Lane
Enola, PA 17025
Respectfully Submitted:
WELTMAN, WEINBERG & REIS CO., LPA
r-r.-;~ /2J---
Benja . R. Bibler, Esquire
Pac I. . #93598
Attorneys for Plaintiff
2718 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
.,,)
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
CIVIL DIVISION
DISCOVER BANK,
Plaintiff,
Case No.: 04-5243
vs.
BRUCE ENSOR,
Defendant
ENTRY OF APPEARANCE
To the Prothonotary:
Kindly enter the appearance of Scott A. Stein, Esquire and Peter J. Russo, Esquire
as co-counsel for the Defendant in the above captioned case.
RespectfuU y submitted,
Date:
~~) 1/. ()....~...
-
L~._~1b
Scott A. Stein, Esquire
Atty. ID# 81738
C~_X'
Peter J. Russo, Esquire
Atty. ID# 72897
Law Offices of Peter J. Russo, P.C.
3800 Market Street
Camp Hill, PA l7011
(717) 591-1755
(717) 591-1756 (fax)
~
SHERIFF'S RETURN - REGULAR
CASE NO: 2004-05243 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
DISCOVER BANK
VS
ENSOR BRUCE
BRYAN WARD
, Sheriff or Deputy Sheriff of
Cumberland County, Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT & NOTICE
was served upon
ENSOR BRUCE
the
DEFENDANT
, at 1837:00 HOURS, on the 1st day of November, 2004
at 1024 TEAKWOOD LANE
ENOLA, PA 17025
by handing to
DONNA ENSOR, WIFE
a true and attested copy of COMPLAINT & NOTICE
together with
and at the same time directing Her attention to the contents thereof.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
So Answers:
18.00
10.36
.00
10.00
.00
38.36
.'
.?/
,
R. Thomas Kline
~;;/~
.. ..-$'" ,..::/<~~
,.'~/ -~.~....
11/02/2004
WELTMAN WEINBERG REIS
Sworn and Subscribed to before
By:
~ iAJ.-- /
Duty Sheriff
me this !/~ day of
/']
(17i7 d"'{~ A.D.
Lh;~t(dn?::r~~ ^t'S
DISCOVER BANK,
Plaintiff
v.
BRUCE ENSOR,
Defendant
IN THE COURT OF COMMON PLEAS F
CUMBERLAND COUNTY, PENNSYL NIA
CIVIL ACTION - LAW
NO. 04-5243 CIVIL TERM
IN RE: PLAINTIFF'S MOTION FOR
JUDGMENT ON THE PLEADINGS
BEFORE HESS and OLER, JJ.
ORDER OF COURT
AND NOW, this 24th day of March, 2005, upon consideration 0 Plaintiff's
Motion for Judgment on the Pleadings, following oral argument held on Mar h 23, 2005,
and it appearing (a) that Defendant's responsive pleading to Plaintiff's compl int may be
construed as asserting as a defense that this court lacks jurisdiction by reaso of a prior
election by Defendant to arbitrate the dispute and (b) that as a result judgmen in favor of
Plaintiff at this stage of the proceedings would be premature, Plaintiff's otion for
judgment on the pleadings is denied.
~njamin R. Bibler, Esq.
WELTMAN, WEINBERG &
REIS CO., L.P.A.
2718 Koppers Building
436 Seventh Avenue )
Pittsburgh, P A 15219
Attorney for Plaintiff
v!'eter J. Russo, Esq.
3800 Market Street
Camp Hill, PA 17011
Attorney for Defendant
BY THE COURT,
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^~;v~i,(.,li'jUH.:,C':'jd 3Hl jO
:::Jl:HC-G:I-1i:J
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
DISCOVER BANK,
Plaintiff,
Case No.: 04 5243
vs.
TYPE OF PLEADING:
MOTION FOR SUMMARY
JUDGMENT
BRUCE ENSOR
Defendant.
FILED ON BEHALF OF:
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
Benjamin R Bibler, Esquire
PA J.D. # 93598
WELTMAN, WEINBERG & REIS CO., L.P.A.
2718 Koppers Building
436 Seventh Avenue
Pittsburgh, P A 15219
(412) 434-7955
WWR#038600l8
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
DISCOVER BANK,
Plaintiff,
Case No.: 04 5243
vs.
BRUCE ENSOR
Defendant.
PLAINTIFF'S MOTION FOR SUMMARY JUDGMENT
AND NOW COMES, Plaintiff, by and through its counsd, Weltman, Weinberg & Reis, Co.,
LoP.A., and hereby files this Motion for Summary Judgment against the defendant. In support thereof,
Plaintiff avers as follows:
L On or about October 19, 2004, Plaintiff filed a Complaint against Defendant for payment
of credit card debt. A true and correct copy of the Complaint is attached hereto as Exhibit "A" and made
a part hereof.
2. On or about November 23, 2004, Defendant filed an Answer generally denying the
material averments in Plaintiffs Complaint in the form of an Affirmative Defense. Defendant's Answer
contains four affirmative defenses. A true and correct copy of the Answer is attached hereto as Exhibit
"BOO and made a part hereof.
3. Admissions and denials in a responsive pleading shall refer specifically to the paragraph
in which the averment admitted or denied is set forth. Pa.R.C.P. No. 1029.
4. Under Pennsylvania Rule of Civil Procedure 1029(b), the averments of the
pleading to which a response is required are deemed admitted when not denied specifically.
5. Defendant's First Affirmative defense, Defendant alleges that this action is not propet
due to an Arbitration clause in the Cardholder Agreement, requiring Arbitration if either party so elects.
6. Defendant recognizes the arbitration clause as binding, but choose neither of the agreed
upon Arbitration forums.
7. The Agreement between the parties clearly sets forth two reputable Arbitration forums
for defendant to choose from. A true and correct copy of the agree:ment is attached hereto as Exhibit "c"
and made a part hereof.
8. Defendant failed to use either of the previously agreed upon reputable arbitration forums,
failed to and would not be able to confirm his arbitration award in a court of law, and has no basis in law
or fact to defend this action with a piece of paper obtain from some random organization out in Montana.
9. Defendant's Second Affirmation Defense is unintelligible and cannot be addressed by
Plaintiff. However, Defendant was properly served pursuant to Pennsylvania Rules of Civil Procedure
400-402.
10. Defendant's Third Affirmation Defense is unintelligible and cannot be addressed by
Plaintiff. However, Defendant purchased items with his credit catd. Defendant is simply trying to avoid
having to repay his debt with his ridicules allegations.
II. As per the attached agreement, Plaintiff immediately paid for those purchases based upon
the proposition that Defendant would repay the principle with interest over time to Plaintiff.
12. On or about May 17, 2005, Plaintiff served upon defendant a set of requests for
admissions and requests for production of documents. A true and correct copy of same is attached hereto
as Exhibit "D" and made a patt hereof.
13. No response to the discovery demands has been received from the defendant.
14. The tequests fot admissions are now deemed admitted under Pennsylvania Rule of Civil
Procedure 4014(b). Thus Defendant has admitted: he signed the attached credit card application; he has
failed to make monthly payments since December 15, 2004; he failed to elect arbitration in a timely
manner; he failed to arbitrate this manner through either if the nationally recognized arbittation forums
previously agreed upon in the cardholder agteement; he has never disputed any of the charges on his
monthly statements; and the monthly statements attached to Plaintiffs First Request for Admissions
accurately reflect the account charges and balance due.
15. The Defendant admits he applied for and received the credit card and the requests for
admissions, deemed admitted under Pa.R.C.P. 4014(b), verify the amount of debt owed. There are no
meritorious defenses against this action and Plaintiff is entitled to judgment as a matter of law against the
defendant.
WHEREFORE, Plaintiff respectfully requests that this Court grant Summary Judgment in
Plaintiff's favor and against Defendant Bruce Ensor in the amount of $1,725.96 with interest at the legal
interest rate of 6% per annum from the date of the judgment, plus attorneys' fees of $300.00 and costs
I~
enjamin R Bibler, Esquire
PA J.D. # 93598
WELTMAN, WEINBERG & REIS CO., L.P.A.
2718 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR # 03860018
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUN1Y, PENNSYLVANIA
CNIL DNISION
DISCOVER BANK
Plaintiff
No.
vs.
COMPLAllIT IN CIVIL ACTION
BRUCE ENSOR
Defendant
FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
James C. Wmbrodt, Esquire
P ALD. #42542
WELTMAN, WEINBERG & RBIS CO., L.P.A.
27] 8 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
(4]2) 434-7955
WWR#038600J8
EXHIBIT
A
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CNIL DNISION
DISCOVER BANK
Plaintiff
vs.
Civil Action No.
BRUCE ENSOR
Defendant
COMPLAINT IN CIVIL ACTION 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 obj ections 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 HlRE A LAWYER, THIS OFFICE MAY BE ABLE TO
PROVIDE YOU WITH INFORMATION ON 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, PA 17013
(717) 249.3166
CO:MPLAINT
1. P1aintiffis a corporation with offices at 3311 Mill Meadow Drive, Hilliard, OH 43026.
2. Defendant is an adult individual residing at 1024 Teakwood Lane, Enola, P A 17025.
3. Defendant applied for and received a credit card issued by Plaintiff bearing the account
number 6011 0022 4017 9119. A true and correct copy of a credit card statement is attached hereto,
marked as exhibit "A" and made a part hereof.
4. Defendant made use of said credit card and has currently a balance due and owing to
Plaintiff, as of July 5,2004, in the amount of$I,725.96.
5. Defendant is in default of the terms of the cardholder Agreement having not made monthly
payments to Plaintiff thereby rendering the entire balance immediately due and payable.
6. Plaintiff avers that the Agreement between the parties provides that Defendant will pay
Plaintiff's attorneys' fees.
7. Plaintiff avers that such attorneys' fees will amount to $300.00.
8. Although repeatedly requested to do so by Plaintiff" Defendant has willfully failed and/or
refused to pay the principal balance, finance charges or any part thereofto Plaintiff.
WHEREFORE, Plaintiff demands Judgment in its favor and against Defendant, Bruce Ensor,
individually, in the amount of $1,725.96 with interest at the legal interest rate of6% per annum from date
of judgment plus attorneys' fees of$300.00, and costs.
THIS IS AN ATTEMPT TO COLLECT A DEBT ANI) ANY INFORMATION OBTAINED
SHALL BE USED FOR THAT PURPOSE.
WELTMAN, WEINBERG & REIS, CO., L.P.A.
~
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Jarrjes C. Warmbrodt, Esquire
P AII.D. #42542
WiLTMAN, WEINBERG & REIS CO., L.P.A.
2fi8 Koppers Building
. 436 Seventh A venue
!~ittsburgh, PA 15219
/ (412) 434-7955
,/
WWR#:03860018
05 SDSN6A01 0008700
BRUCE ENSOR
1024 TEAKWOOD LN
ENDLA PA 17025-2046
August 4, 2004
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SAVE Todayl Call 1-877-353-0986 \0
transfer your high--rate balances to your
Dlscove/$ Card or vlslt DiscovercarcLcom.
PO BOX 15251 11I...11,..11...,1.1..1.1.1
WILMINGTON DE 19886-5251
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Address or 1oIephono~? _. print chango In tho opar:s _""
or gD /0 Di$CD_.eam.
000006011002240179119017259600000000015400
-
Discover, Card Account SUmmary
account number, 6011 0D22 4017 9119
paym9n/ due date ,:. August 4, 20D4
minimum payment aue $154.00
credit Dmn $2.000.00
credit available $274.00
cash credit Rmit $1,000.00
cash credit avellable $0.00
Closing Date: July 5, 2004
previous balance
payments and credits
purchases
cash advances
beJance transfers
FINANCE CHARGES
new balance
page 1 of 2
$1,725.96
0.00
+ 0.00
+ 0.00
+ 0.00
+ 0.00
= $1,725.96
____.0. ________._.____. __ _______._~. __..__.______ ,__. . _ ._... _
. _______#O~ ___..
.
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Nominal
ANNUAl:. ANMJAL
PERCENTAGE PERCENTAGE
RAn:S RATES
PeriodIC
FINANCE
CHARGES
Transaction
Fee
RNANCE
CHARGES
$0
$0
none
$0
VERlFlCA nON
The undersigned does hereby verilY subject 10 the penalties of18 P AC.S. ~4904 relating to
unsworn falsifications to authorities, that he/she is
'Rnhp,-t- ~rik;nt:;;
(Name)
of Discover Financial Services Inc., servicing agent of the plaintiff herein, that
(Company)
Accounts Manager
(Title)
helshe is duly authorized to make this Verification, and that the facts set forth in the fore~oing Complaint
in Complaint are. true and correct to the best ofhislher knowledge, information and belief.
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Broce Ensor
1024 Teakwood Lane
Enola, Pennsylvania 17025
COMMONWEALTH OF PENNSYLVANIA
IN TIIE COUNTY OF CUMBERLAND COURT OF COMMON PLEAS
DISCOVER BANK
Plaintiff,
v.
NO. 04 5243
BRUCE ENSOR
Defendant.
ClVlL ACTION - LAW
ANSWER
COMES NOW, Broce Ensor, hereinafter "Ensor," himself alone, without and in
want of counsel, who is also unschooled in law and hereby makes the following
ANSWER TO COMPLAINT WITH AFFIDAVIT IN SUPPORT as required by the
Court's order in this matter_
Affirmative Defenses
First Affirmative Defense
Ensor denies that plaintiff is authorized to bring this action. In the alleged
contract of the plaintiff, the contract plainly states that arbitration is the only option
available to either party and that neither party has a judicial remedy prior to arbitration
proceedings, (paraphrased). IF EITHER YOU OR WE ELECT ARBITRATION,
NEITHER YOU NOR WE SHALL HAVE TIIE RIGHT TO LmGATE THAT CLAIM
IN COURT OR TO HAVE A JURY TRIAL ON THAT CLAIM, PRE-HEARING
DISCOVERY RIGHTS AND POST-HEARING APPEAL RIGHTS WILL BE
LIMITED_ Ensor has chosen to arbitrate the matter herein, Ensor believes the Plaintiff is
without remedy in this court by virtue of its own purported contract. Plaintiff is acting in
bad faith and is estopped from litigation in this matter.
EXHIBIT
~~
((6#:;
Seeond .Affirmative Defense
Ensor incorporates the above as if set forth in full herein. Ensor denies that the
DEFENDANT, BRUCE ENSOR is a legal entity with Ii legal existence therefore NOT a
real party in interest but a strawmanltransmitting utility incapable of suing or being sued.
See Affidavit in Support Further, because the DEFENDANT is a
STRA WMAN/FICTICIOUS ENTITY with no legal existence in Jawor in fact, plaintiff
fails to state a claim upon which relief can be granted.
Third Affirmative Defense
Ensor incorporates the above as if set forth in full herein. The alleged contract of
the plaintiff is an ultra vires contract. Banks cannot lend credit and no such transaction of
the lending of credit has actually taken place. Banks are not authorized to perform an act
of ultra vires. Ensor has recently become aware of said acts of ultra vires and has elected
to cease to do business with the plaintiff. Ensor denies that pl,,;,niff lent anything in this
matter, nor did the plaintiff risk any assets or consideration.
Fourth Affirmative Defense
Ensor incorporates the above as if set forth in lUll herein. Ensor denies each
and every allegation of the Plaintiff's counsel as set forth in the complaint.
ZZf1f17
Dated this day of November 2004.
/7~~~ .
~~Ensor
AFFIDAVIT IN SUPPORT OF ANSWER
One, living, breathing man known as Bruce Ensor, Affiant, being of sound mind,
and over the age of twenty-one, reserving all rights, being unschooled in law, and who
has no bar attorney, without an attorney, and having never been represented by an
attorney, and does not waive counsel, knowingly and willingly Declares and Duly
affirms, according to law, in special appearance, in time of peace and not in time of war
or emergency, in good faith, with no intention to delay or obstruct, and with fidl intent to
preserve and promote the public corifidence in the integrity and impartiality of the
judiciary, that the following statements and facts, in thj~ matter(s) herein, and '"V' matter
relating to this, are of my own first-hand knowledge, and are the truth, the whole truth,
and nothing but the truth, so help me God;
I. Bruce Ensor, Affiant, owns the name Bruce Ensor, and speaks only for Bruce
Ensor, and is no other person, and has no ,rliases and/or aka's (also known
as), and is surety for no other person, and speaks fOr no other person, juristic
person, entity, individual, group, organization, association, voluntary
association, joint-stock association, company, co-partnership, firm, order or
society, aggregate or part of '"V' aggregate, or automatic aggregate, or public
utility aggregate, whether organized or incorporated or nOt, and is not
misrepresenting himself, and has not duly granted, ratified, bargained for,
gifted, sold, optioned or donated any power of appointment, special power of
appointment, general power of appointment in ,trust, or al'T)' general or special
franchise, or elective franchise, of name, character, or living body to any
other, for '"V' consideration: including but not limited to '"V' option or opting,
any promises, implied promise, successive promises, agreement, supposed
agreement, fiction, forbearance, grace, creatiorl, modification or destruction
of a legal relation, trade name, trademark, service mark, title, titles, or return
promise, bargained for and given in exchange for a promise, privileges or
benefits, reciprocity, '"V' indemnity, mutual indemnification, '"V' fUture
interest, or otherwise;
2. Brw:e Ensor denies the existence of the following persons, and denies that
they are an actual or legal entity, aggregate, or a corporation duly organized
and existing:
BRUCE ENSOR; ENSOR, C. BRUCE; or any derivative thereof, THE COUNTY OF
CUMBERLAND, STATE OF PENNSYLVANIA, COMMONWEALTH OF
PENNSYLVANIA, PA, DISCOVER BANK; JAMES C WARMBRODT; WELTMAN,
WEINBURG & RBIS, LPA; PENNSYLVANIA BAR ASSOCIATION, ALL OTHER
BAR ASSOCIATIONS, UNITED STATES OF AMERICA, UNITED STATES, ALL
OTHER MEMBERS, ASSOCIATES, PERSONNEL, AGENTS, OFFICERS,
FACILITATORS, EMPWYEES, PARlNERS, HEIRS OR ASSIGNS, of the above
enterprises, woo are, or woo may be associated with lUD' claims on, upon, or against my
natural body, or my possessions.
Further Affiant saith not. t.I. p
In witness whereof, I have hereunto set my hand, this the Z 1- day of November 2004.
~ c?L
(' c::::::r Bruce Ensor
commonwealth of Pennsylvania, Cumberland county, ss:
Be it remembered, that on the ~/lC.(.. day of November, 2004, Bruce Ensor, the
Affiant in the foregoing Affidavit, personally appeared before me, the subscriber, a
notary public in and for said County and State, and Duly Attested for the truth of the
foregoing Affidavit, in my presence. The Affiant also acknowledged the signing thereof
for being his own voluntary act and deed
NotQp';i;r.J )!:!~V-.J seal:
my commission expires: & -7-0 f?
NOTARIAl SEAl.
JlS( S GIIO.WI
UftOtNE--- Hoby PubIc
. - 'GH, ClOl.NJva:CI.MIalIAr-o
"'Cllnr'11 '__./wI 7, 200B
CERTIFICATE OF SERVICE
I ~fy that I ~ this ANSWER TO COMPLAINT WITH AFFIDAVIT IN
SUPPORT, a true, correct, and complete copy, to be hand delivered or sent by United
States Mail to the parties listed below.
James C Wannbrodt
2718 Koppers Bldg
436 SeVenth Avenue
Pittsburgh, Pennsylvania 15219
By:
X U_S. mail
Hand delivered
Ovlmright mail
Z7Aa?
Dated this ... day of November, 2004
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/ ~ Ensor
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DISCeVER"
CLASSIC
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; IMPORTANT INFORMATION
ABOUT YOUR ACCOUNT
CAAOMEMBER AGREEMENT
The terms and conditions 01 your Acc.ount. induding
how we ci!llculat~ finance charges. our fees and .n
Arbitration of t)isputes section. You have the right to
reject the arbitration provision with respecr to your
new Account within 30 days after receiving yovr Card,
as expJtJ;ne-d in the "Acceptance of Agreement"
section. ,.,..., . . .... . ,. . . . . . . . SEE PAGES 1 - 14
P.RIVACY POUCY
A summary of the personel irrformiltion we collect.
when it may be shared with othen. and how we
safeguard the cOl1fidentiality anq, security of
information. You may limit OLJr sharing of s\,Jch
information with others. .. . . . . . . SEE PAGES 14. 17 j'
I
BIlliNG RIGHTS
Important inform.ation about your rights and our
responsibilities under the Fair Credit SWing Act .. '"
. . . . .... ... . .. . . .. . . .. . .. . . . . SEE PAGES 17. 19
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CASHBACK BONUS' TERMS AND CONOmONS
The terms and conditions. of th~ Cashback: Bonus.
award program. including a description of how your
award is calculatec' and how to redeem it. . . . . . . . . .
............... .......... .... SEE PAGES 19.21
DESCRIPTION OF COVERAGE
The terms and concfitions of the Scheduled Air Travel
Accident Insl,Jranc:e that ;s provided at no charge to
you when you use YOl,Jr Card to purchilSe @.irline
tickets. ... . . .. ., .. . .... . . . '" SEE PAGES 21 .24
Q 2003 Dlscovor e.n;", Membef FDIC
3D400,.t140:3T!.14
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EXHIBIT
C
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. CARDMEMBER AGREEMENT
Plnse read this Agreement (:Iore.fully befPte Ltsing your
Discove'" Card AccDunt. It contains tile terms and condition$, of
your Account some of which may hive changed frPm aarlier
maaria" provided to you. .m the event of any differences, this
Agreement shall control.
We respect your privacy. See the Privacy Section on page 1D and
our Privacy Policy for additional information..
The Arbitration of Disputes Section on page 12 inclvdes a waive.r
of a number of rights. including the right to , jury trial.
CARDMEM8ER AGREEMENT
AgrH,meTltTerms ......,..............'..... 2
Acceptanc.eofAgreemen't........ ,.,......... 2
Use .of Your Account ' 2
Authorized Users. . .. .. ..,... ,.. .. ...... ..... .. 3
Unauthorized US! ............. . . . . . . . . . . . . . . . . 3
Credit Umit~Avlililable Credit. .. .. . .. . . . . . . . , . . . . . 3
Promise to PBY .........,...,.... .....,..... 4
Monthly Billing Statement. . . . .. . . . . . . . . . . . . . , .. . 4
Monthly Payment Options. . . . . . . . . , . , . . 4.
Minimum Monthly Payment. . . . . . . . , . , . 5
Credit Batances. , . . . . . , . . . . . . . . . . . . . . . . . , , . . . . . , . , . 5
Balance Trinsfers . . . . . . . . , . . . . . . . . . . . . . . . . , . . . . . . . " 5
Finance Charges. . . . . . . , , . . . . . . . " . . . . . . . . . . . . . . . . .' 5
Periodic Finance Charges........,. ....'..,... 6
Default Rate Plan. , . , . . . . . . . , . , , . . . , . . . . . , . . . . . . , . . . . B
Cash Adv.nce Transaction Fee Flnanel! Charges. . . , . . , . . ., B
Ballne! Tran5'fer Trans.dion Fe! Finane! Charges. .' '" . ., 9
Minimum Finane! Charge..........,....,....... 9
Returned Check Fee. ., ....,..... ... ,. ... ..' . .. ... . " 9
fl,~rned Discover Card Check. Fee . . . . . . . . . . . . 9
Stop Payment fee. . . . . . . . , . . . . , . . 9
Late Ft:e ..."., '........ 9
F'ay~by~PhoneFee...,.. .....,.... 10
Research Fee. ,.. ,. . '...... .""" .... ,. ......,.. 10
Overlimit Fee . . . . . . . , . . . . . . . . . . . . . . .. . .. 10
Defautt-AcceJeration-CoIJection Costs ... . ...,. .,... 10
Cancellation.. . ... " .' . .... .. . . ... . .. .,.' 10
Privacy. . . . . ; . . . . . . . . . . . . . . , . . . . . . . . . . . . . . . . . 10
Elt"ctronit Communications. , . . , '1
Credit AuthorintiotJs.......,....... 11
Change 01 Terms. . . . . . . . . . . . '1
, Olange of Address. 12
Assignment of Account. 12
Arbitration 01 Disputes .. i 2
tC?mpliance with Interest Rate Limitatiom . B
G~lVerning Law .,.... .13
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AGREEMENT TERMS. The word "ACCQunt" means your
Discover Card Account. The word "Card" means anyone or more
DI~cover Cards issued to you or someone else with your authori.
zation. The words "you., "your", or "yours" refer to, in addition
to you, the. Cardmember, any other person or ?ersons who are
also contractually liable under this Asreeme-nt. The words "we",
"us" and "our" refer to Disc.over Bank., the issuer of your
Disc.over card. The words" AlJthoTi2ed User" mean any person
whom you authorize to use your Account or a card, whether you
notify us or not. The words "Pricing Schedule" mean the
ooc1Jment accompanying YOLlr Card and listin~. the Finance
Charge rates that apply to. your Account. The Pricmg Schedule is
part of this Agreement. .
ACcEPTANCE OF AGREEMENl. The use of your Account or a Card !
by you or an Authorized User, or your failu.re to cancel your i
Acc.OI.lrrt within 30 days sher receiving a Card, me!ln5 yov accept
this Agreement, including tne Arbitration of Disputes provision .
on page 12, Your may, nowever, reject th~ Arbitration 01
Disputes section by providing us a notice of rejection within 30
days after receiving a Card, at the following address; Discover
Card, P.O. 80x 30938. Sa~ Lak. City, IJT 84130-0938. If you were ,
previously subject to arbitration with respect to any Account, 'I
this right to reject arbitration will not apply to yo~ in the event ,:
that the Account has: bnn reope.ned or replacement Card~ lire
sent to you. Your rejection notice must include your name,
address, telephone number, Account nUmb~r and signature lIno I
must not be sent with any attie, correspondence. Calling us to I
indicate thn you reject the Arbitration of Disputes section or
sending ill rejection notice in I manner or format that does not
comply with aU applicable requirements is insufficjent notice. In .
order to process your notice, we require that the notice be :
provided by you directly and not through it third party. Rejection
of arbitration wm not affect your other rights or responsIbilities.
under this Agreement or your obligation to arbitrate disputes :
under any other aetount as to which you and w! na,,! a9re~ to ~
arbitrate disput!S.. If you do not send I rejection natice, you will I
be obligated by the Arbitration of Disputes section with respect
to this and any prior ac.tount you have had with us, even if YOLl
have previously sent a rejection notice with respect to that prior
account.
USE OF YOUR ACCOUNT. Your Account may ~e used for:
"Purchases . to purchase or lease goods or services from
participating meT chants by presenting your Card or Account
number.
. Cash Advances. to obtain cash advances from partic.ipating
automated teller machines. financial institutions or other
locations, or by means af cnecks which we may furnish to you,
all in actordanc.e with suc.h addititmal terms and conditiom as
may be imposed from time to time.
. Balance Trelnsfers . to transfer balances from other creditors or
to make other transactions by means of balance transfer
coupons or checla, in accordance with such additional terms
and conditions as we may offer from time to time.
In additian, your Account may be used to guarantee reservations
at participating tstabfisnments. You will be liable for
>
..
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.1....;
guaranteed reservations that are not canceled prior to the time
specified by the establishment. .
Your Account may be used for personal, family, household and
charitable purposes. Your Account may not be used to obtain
ioans to purc:hi.Se., ca.rry or tra~ in securities., or tD pay any
amount yov o~ under this Agreement ("Prohibited
Transactions"). Prior to iu use, -each Card must be signed by the
pers.on :to whom it is issued. We are not responSIble ior the
refusal of anyone to accept or honor a Card or to accept checks
that we have provided you. You must return any Card or unused
checks to us upon req uest.
tf a merchant fails to provide your purchase to your satisfaction
and, at your re~lJest, we issue a credit to your Account, you will
be deemed to ha~ assigned to us your claim against till!
merchant and/or any third party for the credited amount. Upon
our request. you agree to .provide us with written evidence of
such assignment.
Your rights and re~onsibilities under the FaiT Credit 'ailling Act
descri~d in- the billing rights summary on pages 17.18 and on
the back of your monthly billing statement apply only to cred"
cerd transactions. ihis special r.ule 10r credit card transactions
does not apply to purchases made with a balance transfer check
or cash advance. Therefore, if you have a problem with the
qvali!y of goods or services that you purchased with a balance
transfer check., cash advance check or the proCeeds of a cash
advance, you do not have the right to withhold payment of tt\f;
amount due. .
AUTHORIZED USERS. ,f you want to cancel the authority of il
cur~ent A~h~i~ed U$er to use your Account or a Card, you must
notify us In wrrtmg or by telephone and destroy ilny Card in that
pef3on's possession. None of your rights under thIS Agreement
(other than to pay amounts. owed) may be exercised by any
person not a p~rty to this Agreement .acting pursuant to a power
of attorney, Without our separate wrrtten agreement (which we
are. not obligated to give).
UNAUTHORIZED USE. If a Card is lost Dr stolen, or if you think
that ~o'7'eone is. using ~ovr A~count or a Card without YOlJr
permISSIon, notIfy us ImmedIately. You can notify us by
telephoning Hmo..DISCOVER {1.S0o..34.7.26S3l. or by writir.g
D1SCOVER CARD,. PO Box 15156, Wilmington, DE 1S8B~1002.
Vov agree to assISt us in determining the' facts relating to any
theft or pOSSible unauthorized use. of your Account o~ 0 tard and
to comply WIth such procedures as we may require in connection
with our investigation. If OUT records indicate that you have
enrolled in an a.utomati~ billing arrangement, such!s CI monthly
gym membershIp, we Wlll attempt to provide your new Account
num.ber- to that merchant. However, if you no longer wish to
contmue the automa'tic billing arrangement you must contact
the merchant .directly.
CREDIT UMj~.AYA.ILABLE CR~D[T. We. will advise you of youT
!~ccount credrt limIt. We may Impose a lower limit that will apply
10 cash advances, referred to as the cash advance credi1: limit.
You agree not to allow your unpa.id balance, indudjn~ Finance
Charges and fees, to exce~d YO.'.Jr ACCount credit limrt. !f YOLl
exceed yovr Account credIt limit, we may request immedIate
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payment of the amount by which you exceed your Account
credit limit.
W! may increase or decrease your Account credit limit or your
cash advance credit limit without notice. The credit available for
your use may, from time to time~ ~e less than YO!lr Accountpedit
limit. 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 amountot any payment that we
receive. Your available credi'!: will not be increased by the
amount of any credit balance.
PROMISE TO PAY. You agree to pay us in U.S. Dollars tor all
purchases, cash advances and balance transfers including
applicable Finance Charges and other charges or fees, incurred
by you or ar:lyone you authorize or permit to use your Account
or a Card, even H you do not notify us that others are using your
Account or a Card. We will convert purchases Tlnd cash advances
made in a foreign currency to U,S. Dollars at a rate elCirting on
the date of conversion. If you pay us in other than U.S. Dollars,
we may refu~e to accept the p"yment or charge your Acc.ount
our cost to convert your pay~nt to U.S, Dollars. All checks must .
be drawn on fu'nds on deposit in the U.S. You may not use a cash
advance check, balance transfer check or coupon, or any other
promotional check drawn on any Discover Bank credit card
account to make payments on your Account.
If your Account is a joint Account, each of you agrees to be liable .
individually and JOIntly for the entire amount owed on your II
Account. We can accept late payments or partial payments or
checks and money orders marked "payment in fulJ" or with any
other restrictive. endorsement without losing any of our rights
under this Agreement. I
MONTHLY BILLING STATEMENT. Unless we waive our right to do i
so, we will send you a billing statement after each monthly
billing period in which you have a debit or credit balance of ,
S 1 .00 or more. The billing statement will show all purchases, i
cash advances, balance transfers, Finance Charges and other I'
charges or fees and all payments or other credits posted to your
Account during the billing period. It w~lI show your New
Balance, Minimum Payment Due and Payment Due Date.
MONTHLY PAYMENT OPTIONS. You may at any 1ime pay the
entire New Balance shown on your billing statement. but each
month you must pay at lean the Minimum Payment Due. All
payments must be made in accordance with the terms, including
the payment cutoff time, stated on your monthly billing stat~
ment, and we will credit your Account in accordance with those
terms. In addition, we reserve the right to change those terms
without prior notice. We will apply payments and credits to the
New Sa lance shown on your current billing natement in order of
the Annual Percentage Rate applicable to the balance of each
transaction category (as referenced in the Periodic: Finance
Charges Section), from lowest to highest beginning with the
balance subject to the lowe:s:t Annual Percentage Rate:. We then
apply paymenu and credits to any new transactions using the
same method. However, we have the right to apply payments
and credrts to balances with higher Annual Percentage Rates
prior to balances with lower Annual Percentage Rates, such as
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when there are two initial special rates applicable to your
Account and the lower Annual Percentage Rate will expire
before the higher Annual Percentage Rate.
MINIMUM MONTHLY PAYMENT. The Minimum Payment Due
each month will be the 5um of any ilmount past due and the
minimum monthly payment. The minimum monthly payment
each month will be the greater of S10.00 or 1/SOth of the New
Balance, rounded to the next higher. whole dollar amount. If anY
ANNUAL PERCENTAGE RATE applicable to your Account is
greater than 22_99%, your minimum monthly payment will be
the greater of S, 0 or 1/45th of the New Balance, rounded to the
next higher whole dollar amount. Regardless of the Annual
Percentag~ Rates on your Account, if the New Balance is less
than S10.~O, the minimum monthly payment will be the amount
~f th~ ~ew Balaryce. Paying the Minimum Payment Due may be
lMSUfflC,leryt to bring your Account balance below your Account
credit lImIt and, consequently, may not avoid the Imposition at
the Ov~rlimit F~e described in the Overlimit Fee Section. We may
from tIme to tIme allow you to not mal:e a minimum monthly
payment, and will notity you .when this option is available. If you
take advantage of this offer and do not make a minimum
monthly payment. tinance chargt:s and any applicable fees will
accrue on your Account in accordance with this Agreement, and
you must pay the Minimum Payment Due for the following
billing periods.
CREDIT BALANCES. We will refund any credi'!: balance within
~even business days from receipt of your written request If you
do not request a refund, we will automatically refund credit
balances greater than S 1;00 which remain in your Account after
two billing periods.
BA~NCE TRANSFERS. We may periodically offer you the oppor-
tunIty to transfer balances from other creditors or to make other
transactions to your Account br means of balance transfer
co~pons .or checks. Each offer wil contain an initial special rate,
whICh WIll be the Annual Percentage Rate that wiJ! apply to
tra~sferred balances for the time period specified in the offer,
sublen to the Default Rate Plan Section, and may contain a
Balance Transfer Transaction Fee Finance Charge for each
?alance transfer made during the term at the offer, as disclosed
10 the offer and as ~et forth in the Pricing Schedule, it applicable.
After the expiration of this time period, the Annual Percentage
Rate that applies for purchases will apply to transferred
balances. Balance transfers subject to the initial special rate are
referred to as special fate balance transters; balance transfers for
which the initial special rate has expired are referred to as
purchase rate balance transfers. Each offer witt contain an
expiratidn 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 not make balance transfers attempted
by means of a coupon after the expiration date.
FINANCE CHA.RGES. You can avoid payment of Periodic Finance
Charges on new purcha~es if you pay the New Balance shown on
the billing statement on which the purchase first appears by the
Payment Due Date, and the Payments and Credits on that
statement equal or exceed your Previous BaJance. We caU this
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11
, thl!: - ~rilte period." 'fou do not have a grace period on balance
tranSTI!!r'S or c.a~h advar\tes.. Periodic Finance ChaT9~ are imposed
on new balance transfers and ,ash advances beginning with the
date the transaction ocrurs.
PERIODIC FINANCE CHARGES. Periodjc Finance Charges are
imposed on all transactions until tht date of repaymeT1:t.
Repayment means payment of your, entire New Balane!::.
However, if you pay the New Ba(ant:e shown on the current
billing statement by the Payment Dve Date, and the Payments
and Cndits shown on thIS statement equal or exceed the
Previous h~ante, we will not impose Periodic Finance Charge:s
on new purchases. that is. purchases first appearing on tn!-
current statement. Otherwise, you will receive a bil1in!~
statement the next month that includes Periodic Finane.!
Charges imposed until the date c'f repayment.
We. compute Periodic Finance Charges each day ter purchases,
cash advances, and balance tran~fer. {which we re'fer tOo a~,
transaction categories) by using the following equation:
Average 08ily EIalance x number af days in the biHing periOod): The Daily PeriOodic Rate and corres-pending Annual 'Percentage
Daily PeriodIC Ril1.t. .(You may refer to the finance charge Rate that apply to each transaction cate~ory is either a fixed fate
summary on the front of your billin9 statement for thes-e ! or a variable rate as set forth in your Prtcing Schedule, The Daily
amounts.) ihen we add alJ the Periodic Finance Charg~ for each; Periodic Rate is iJ36Sth of the corresponding Annual Percentllge
transaction category to get the tcta! Periodic Finance Charges Rate. The variable Annual Percel\tage Rate fer 1I transaction
for your Actount. T~ Average Daily Balante "Is s~own as zer~ it category is determined by addinq a specified number of
no Periodic Finance Charges apply to the hatanc~ In a tramactlcn percentage points to the Prime-Rate. This is shown on the Pricin9
category. ~edlJle as "Prime", (pertentage points),. For purposes of thIS
We use the !Wo--cycle average d~ily balance (indudin9 new Agree~e0t, the P~i/'!'lf Rate is the highes'l: ,rate of interest listed
transllctions) methcd of c:afcufating the balilOce upon whICh we liS the pnme rilte In t.he moni!'y rates section of The ~alf .stre~t
impose Periodic finance'Charges. This means if yeu did not pay Journal en ~~e l~st bUSiness day of the month. The pnme Rate IS
the New BaJance shown on the billing statement you recei\led !11erely B pnemg ~nde); and does not represent the lowest or ?est
during the previous billing period by the Payment Due Date, we I~terest rate aV~llable to a borrewer at. ar;y ban.k at any gIVen
will impose ?erlodit finance Charges on new purchases that first tIme. Your A,nnual Percentage Rat~ WIll Increi3'~e or de"e~se
appeared on that billing statement, as well as new purchases wh~1\ ~he ?flme Ra~~ changes. Thls .c~ange ~III be effect!ve
that first appear on the current billing natement, unle.~~ we ' beg.lnnlng on the flrst day of the bl,lImg pe~lod that beginS
already imposed Periodic Finance Charges on the purchases on ! dunng the same month as the change In the Pnme Rate.
YO\Jr previous billing statement. We compute the average daily - (2) Annual Percentage Rate for Purchases
balance for each transaction category by adding up all the daily .
balances in a billing period for a transaction category and "!'Ie may navl!! offe~ed you an \r.trodurtory ate en purcha.ses. The
dividing the total by the number cf days in the billing eydt. We mtrcductory rate 15 t~e Ann~al Perc~ntag~ Rate that WIll, apply
compute the daily balance for each transaction category en each to purchases for the tIme pe~lod.$peC1fied In, th: ofter. $U~le~,to
day by first adding the. following to th~ previollS oay's daily the. oe'fault R~'te Plan SectIon. After eXpIratIon ~f thIS time
billlance: tran~cti,ms made that day, fees charged that day and pe~lod, t~e ~nnual Pe.rcentag.e Rate.'for purchases WIll i5pply. The
?eriod1c Finance Charges accrued on the previous day's daily pa1lt Perlod,c Rates and.correspondm~ Ann~a! Percentage Rates
balanct: and by then suPtractinr;> any credits and payments that In eff~ct on m.e .date thIS Agreement 15 furnIshed to you are set
are appli~d against the balance of the tran~actio.l'I c.ategol)' on forth If\. the Prlong Schedule.
that day, In cafculating the daily balance Tor the previous b~ling (3l Annual Percentage Rate for Cash Advances
period, we censider the "previous day's daily balance~ to have, . .. .
be~n zero on the fir.'! day of the biUing period. The Di:uiy Perrodlc Rate and correspondIng Annual Percentage
. . Rate in effect on the date of th15 Agreement is furnished to you
~pectal ratt balance transien and Balance Transfer TransactIon are set forth in the Pricing Schedule
fee finance Charges are included in the daily balance of the .
balance transfer transaction category. Balance transfers that (4) Annual Percentag.€. Rate lor Balance Transfers
were subject to an initial special rate that has bee~ terminated The Deily Periodic Rate and corresponding Annual Percentage.
due to a late paym~nt or beci:luje 'yo~ .-oLltstandl~9 Accou~t Rate in effect for special rate balance trans~ers will be set forth
ba,lance exceede~ your .Ac~ount c~edlt 1l-!'T\1t are ~ls-c Included lTl ;n the offer from us under which you make the balance trans'fer.
thIS category untIl the InItial speCial rate otherwise would have "3 indicated in the Balance Transfers Section above. purchas!
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expired. In calculating the daily balance oi the balance transfer
trilosaction category on the first day of the billing period., we
subtract the unpaid balance of those Balance Transfer
1ransaction Fee Finance Charges and balance transfers that
~come purc.hase rate balante trillnnen on that day and we add
that unpaid baJ<!lnce to the balance ef the purchase trillmactio.n
category.
All fees charged to your Account are added to tM purtha~!"
transilction category with the exception ef Cash Advance
Tnmsi<ction Fee Finance Charges which are added to. the cash
advance transaction category and Salance Transier Transaction
Fee Finance Charges which are added tOo the balance transfer
trans"ct"on category. H a transaction is posted to your Account
after the. dos.t o.'f the billin9 period in which it occurs, we will
treat the transaction as haVIng occurred o.n the first day of the
billing period in which it is poned to your Account,
III Rat. Plan,
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rate balance transfers will be subject to the Daily Periodic P..Cit1!: 3% of the amount of each new cash advance, There is a
and corresponding Annual Percentage Rate that apply to minimum Cash Advance Transaction Fee FINANCE CHARGE of
purchases and the Default Rate Plan Section. $5.00 and no maximum Cash Advance 1nH'l~action fee FINANCE
The Daily ?teriodit Rate and torresponding Annual Percentage CHARGE; The imposition of Cash Advance Transaction Fee
Rate in effect on the date this Agreement is furnished to you are Finance Charges may result in an Annual Percentage Rate for
set forth in the Pricing Schedule, cash advancei that i~ higher than the nominal Annual
DEfAULT RATE PLAN. We will review your Account on the last percentage Rate. All forms of cash advances, including the use of
day of each bf/ling period to determine the Annual Percentage Discover Card checks, regardless of the purpose for which used
Rates that wi!! apply to your Ac.count. In reviewing your Account, are subject to Cash Advance Transaction Fee Finance Charges. T;
we will look at the current billing period as well as the previoLls obtain the total Finance Charge on cish advances for each
eleven biJring periods, Any increased rate described below wW billing period, we add any Cash Advance Tran~ct:ion F~ Finance
aJ:l?ly ~ginnin9 wit'n the first day of the billing period in which CM~rg~s fl?r the billing period charged under this Section to any
we revIew your Account PeriodIC flOanc! Charges calculated under the Periodic Finance
If we did not receive a required p"ymt1"lt by the Payment CU'! Charges Section for the caroh !dv!l"rt!: tranroaction category.
Date durin9 the billing period in whIch we review your Accoun1, BALANCE TRANSFER TRANSAcnON FEE FINANCE CHARGES. If
then lIny Initial special rate on balance transfers and any the balance transfer offer you receive contains 011 Sala1'lce
introductory or promotional rate on pun::hases tnat currentl)! 'Transfer 1ransaction Fee finance Charge, we will charge you a
applies to your Account, and any such rate that we havt~. Balance Trans1er TransactJon Fee Finance Charge for the amount
previously offered to you, will terminate and the standarcl: of each balance transfer made uod~r that offer If there IS a
Annual Percentao.ge Rate for purchases will apply to your balanCE B~lance Transier Transaction fee Finance Charge in conjunction
of balance transfers and purchases as well as anr introductory or wfth the. offer you received when you applied tor an Account, it
promotional rate on purchases and any initia special rate. on will be lO thl! amour,t ~et forth in the Pricing Schedule. The
balance t!ansfers that we have previOUSly o~ered to you. In i imposition ~f Balance Transfer Trilnsaction ~et Finance Charges
i1ddition, H the standard Annual Percentage Rate for purchases: may ~esult In an Annual Percentage Rate for balance transfers
is less than 19.99% and during the imml!diately preceding < that .IS higher tha,n the nominal Annua/ Percentage Rate. To
eleven billing periods we did not receive iI reQUiredtayment by, ob~alO the totill Finance Charge on balance transfers for each
the Payment Due Date, then the Standsr ANNUAL'I billing periC?d, we add any Balance Transfer Tral'lSactior, fte
PERCE.NTAGE RATE for p\Jrc.has~ will be increased to 19,99% (a Fina,nce Charges calculated under the Periodic Finance Charges
Daily Periodic. Rate of .05477%), . sectIon for the balance transfer transaction category.
If YOUf outstanding ~alance exceeds your Account <redit limi~ as I MINIMUM FINANCE: CHARGE.. We wjll charge you a minimum
of the day Wl! review your Account and your outstandmg fINANCE CHARGE of $.50 for any billing period in which some
balance exceeded your Account credit limit as of the last day of I FINANCE CHARGE of less than $.50 would otherwisl! be imposed.
any billing period in the immediately prl!C'eding eleven billing' RETURNED CHE K FEE . I h
periods. then any initial special rate on balanCE transfers and any I C,' We WII c ar~e you a Returne~ Check Fee
Introductory or promotional rate on purchases that currently: of S~9.00 ~ach tl'!le you pay us With ,a check t~at IS returne,d
applies to your Ac:count, oF\d a.ny such rate that we have l unpaid. Thl~ ftet WII! also apply If a debit tr~nsac1lOn ~o a d~~Slt
previously offered to you will terminate and the standard account. from whICh you ~a~e authorrze.d us In Writing,
Annua/Percentage Rate for purchases will apply to the balance electronlCa1!y or orally to peni?dlcaUy deduct all or a part of an
of your balance transfers and purchases as well as any amtllJ~t you owe us un~er thiS A9re~ment is returned unpaid.
introductory or promotional rate on purchases and any initial ~e r~llt char~e you ~hl~ .tee ,the fIrst time .an'y payment is
special rate on balance transfers that we have previously offered etu ed unpaId, even If It IS paId upon resubmlsslon.
to you. If the standard Annual Purchase Rate for pLJrchases is less I~ETURNED DISCOVER CARD CHECK FEE. We will charge yow a
than 19.99'A., then the standard ANNUAL PERCENTAGE RATE for Returned Check Fee of $29.00 each time we dedine to hOl1or a
purchases will be increased to 19.99% {a Daily P~riodic Rate of \>iscover Card cash advance check, balance transfer check. or
.05477%). ,rther promotional check.
If your rt:n.dard ANN~A~ PERCENTAGE R~TE for purchases is I.ess STOP PAYMENT FEE. We may charge a Stop Payment Fee of
tn;e.n 24.-:9.111 and ~hmng the .current .and Immed!ately precedtng $15,00 each time we stop payment at your request on a cash
e'ev~n billing perlods you erther faIled three t1me-s to make a advance check, balance transfer check. or other promotional
reqUIred payment when due or exceeded your ACCount credit cl'\!ck.
limit three times as of the last day of a billing period, then the
standard ANNUAL PERCENTAGE RATE for purchases and for cash LUE:F~E. We will charge you a late FE'! it you have failed, as of
advances will be increased to 24.99% (a Oaily ?eriodk Rate of the P~yment Due Date, to m2lk.~ the Minimum Payment DLJe that
.06847%). . was :-equired to be paid by that date. The amount of the Late
FE'e rs based on the sum of all outstanding purchases, cash
CASH ADVANCE TRAN5AITION FEE ANANCE CHARGES. We wil! a~l\lan(es, i>alante transfers, other charges. other fees and
chargt you a Cash Advance iransactlon Fee Finance Charge of Flllance Charges at the end of the billing period. If the sum is less
~
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than S 100, the Late Fee is S 15. If the sum is equal to or greate. others, how we safeguard the confidentiality and .security of
I I f information and the steps you may take to limit our sharing of
than S 100, and less than 1,000, the Late fee is .25. I the surn is such iniormiltion with others.. Plea!ot rud it caretully as it is part
equ~l to or greater than StOOO, the late fee is S3S. of your Card member Agreement. A; indicated in our Privacy
PAY. BY-PHONE FEE. We may from time to time allow you to pohcy, we may report to credit reporting agencies and other
make payments. by aiJthorl:.ing us over the telephof'le to transfer creditors the statuS and payment history of your Account.
or pay funds from a deposit account to your Account. We will including negative credit information. We normally report to
charge a pay-by.Phone Fee of S 10 for each such transfer or such credit reportjng agencies each month. If you believe that
payment. our report of your Account statllS is inaccurate or incomplete,
RESEARCH FEE. We may 'charge you a Research Fee of $5.00 l'or please write US at the following addresS: Discover Card, PO Box
each copy of a billmg statement or ~les slip that you request 15316, Wilmington DE 19850-5316. Please include your name,
However, we will not charge .a fee if you request copies In address, home telephone number and Account number.
connection wrth a billing error. We may from time to time review your credit, employment and
OVERUMIT FEE. We will charge you an OverJimrt fee each time income records. Our personnel may list~n to.Of record telephone
that, as of the close of a billing period, our olltStanding calls betyY"een you an~ our representatIVes In or,der to eva.luate
Account balanc:!! exceeds YOlJr Ac.count credit Amit. This 'fee m,lY the quality of our servlC!! ~o o'J~ Card!1'embers wl~h~ut notIce ~o
be charged even jf the transaction which cau~es you to excee~d ~ou. We may use any medIum, including but not limited .to mall.
d' r .. h' db" d live telephone caJls, automated telephone equipment
your Account cre .rt. 1":Ilt 15 aut oTize . y us D~ IT you excee ! prerecorded 'telephone 'talis, and e-mail to contact you about
your Accoun'\ ca~dlt limIt due to the postmg of 'Flnan::e .Chargl:s your Account or offer you products or services that may be of
or fees to your Account. The am.ount of the Overhmlt Fee IS I value to you. If you preier not to be contacted in one or more of
b,sed on the sum of all outstanding purcha~es, ,cash advances, tr.e!ot ways call us at 1-800-225-5202 or write to us at Di!ocovfr
balance transien, ~t~er cha!ges, other fee~ and FInance Charg~:s Card, P.O. Box 30961, Salt Lake City, UT 84130-0961. We provide
at the end of the ~llh.ng period. If the sum IS equ~l to or less than vilrioLts methods by which you can obtain information about
S1,000, the Ove~hf!1lt Fe~ is S15. If the sum IS greater than your Account. We will only release such information to you, any
S1,ooO, the Overltmlt Fee IS S35. A.uthoriz.ed User that our records indicate is an authorized buyer
OEFAUlT-ACCEt..ERATION-COllECTJON COSTS. You are in default on y~ur A~count, and any other person with your prior
if you become insolvent; if you file a bankruptcy petition or havl~ permission, In addition to as provided in our Privacy Policy or as
one filed again~ 'you; if we have ill reas~na~le belief th~t you an! required ~y la~. O~r. security measures cannot insure against
unable or unWIlling to repay your oblIgatIons to us; If you an~ unauthonzed mqulnes. You agree that we will not be
declared incompetent by a courl or if a court appoints " responsjble for. the release of information to anyone who. even
~uardian for you or a ,conservator 10T your asse'tr; if you die; or if without your authorization or permission, na$ gained
rf Y?U fail to comply wl~n the terms of this Agreement, i~cludlnSlj pos~essio.1'\ .01 a Card or 'nas learned other. jde~~ify!ng
falling to make a reqUired payment when due, exceeding YOU/'i charactenstlcs about you such as your personal IdentifIcation
Account credit limit, or using your Card or Account for a' number, Account number or social security number.
Pro~ibited Transactiol"l. If 'Iou a.re .in defaylt, we ma)' dedare the ElEcrRONJC COMMUNICATIONS. W ff th
entire balance of your Account Immediately due and payable . . . . e may 0 er you. e
'-'-without notice If we refer the collection of your Account to an opportunity to receIVe certClln .no~lCes f~om us electronIcally
. I . l.. rather than through the mall In,lud,ng mont"ly bil!',ng
attorney or empoy an anomey t'O r!'present us Wltll regard to ' . II
f th t h statements and change of terms notices. The terms and
rrec.o'oY.nZbl~ att~~~2" fe~s r~d c~wu~ o~S~th:r ~o~~ct~o~r~~SlSY~~ cond~tions. for receiving these electronic communications will be
e . ~J. _ tle~cnbetl In the oHer
~ permm-ed by law and as actually Incurred by us. We may delayj .
: enforcing or not enf~r~e any of our rights under this Agreement Ol:EOn: A~THOR!ZAnONS. Ce~in transactions wil[ require our
\ without lOSing or waIVIng any of them. authonzetlor. pflor to tompletlOn of the transaction. In some
'--" CANCELLATION. You may cancel your Account by notifying us in cases, ,you. may be ~5ked to p~ovide identification. If our
. . b I . . ' authoTlza!lon system IS not worbng we may not be able t'O
writing or y te,ephone and returnl!"g or destroymg every Ca~d author12e a transaction. We will not 'be liable to you if any 'Of
a~d unused ch~'k that we have prOVIded you. Of course, y~u will these events happen.
stili be responSIble to pay any amount YOLl owe us accordmg to
the terms of this Agreement. If your Account is a joint Account. CHANGE Of TERMS. We may change any term or part of this
each of you may cancel your ACCount. We may cancel or suspend Agreement. including any finance charge rate, 1ee or method of
your Account at any time without notice. We may choose not to computing any balance upon which the finance charge rate is
renew your Account (beyond the expiFation date s.hown on th assessed, or add iny new term or part to this Agreement by
face of a Card) withoU'l notice. sending you a written or electronically delivered notice at least
. .. 15 days befotl! the change is to becl:lme effective We may apply
PRIVA.CY. We respect t~e pflllacy of. Information about you al"ld any such change to the outstanding balance of ypur Account on
your Acci?unt. Ou.r Prrvacy Policy IncJu~es a' summary of t.ne the effective cate of the change and to n w ch 9 s de aft r
peT30naf mformatlOn we collect, when It may be shared WIth e ar e ma e
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that date. H you do not agree,to the c:hange~,'you'.mus1. ~otjfy~IiS
In writing or electronically within '15 .:d!:!ys :'after,,:~he. mailing 'of
the' notice of change' at the-.'addresp.p,rovioed ,in ,1ne;"notice :ot
change., in which case youroAccountwlll.be. dos~_,and':You'~ust
pay us thl: balance that'yoU'owe~us:under:the. exiSting, ten;ns of
the unchanged Agreement :Qther:w!ser:you'wdl,.h,ave::agr~ecLto I
the changes in the, natice;::;tlse:~ot- .)foil[), Atcou,l'Lt' aftep, the
effective date of the :change'.~mtbe..de~me(~c:ceptam:e~f .the
new terms as of such_-effectrve-.;t1ate.," ,even 'jf. you preYlously ~,I
notified us that you,did'not agree to"the-5hange< :,'..'!\:"_".-:-":,:-; ~
CH~NGE, o~ .AbD~,~,~5~,!f~'~,~D',,;:h~M~f'yq\i(id.P~i~~W6,u:rry,~~!
notIfy us of your n~w ,addre~~'~~tjl~ ';lS::.?ays.~'~: ,"",(' -.rJ---', ,:..
ASSIGN'MENio~,- Affb1iNT:~Wftni-l1eit~~!1Jg;t'~r;Jh1~rtef:yO"ur
Accoul1t or" any portior; t~e,re:!?J,W!~~.oqt!1PliCe_ ~_P'Y~Y.,;;!au. ,":,'i1y'
not. se!I, as~i~n:_cif tr~~fer.'y'.ciL'r:~.CtQ~N:~i~.~o~~.firs.; ~~~lplp9
our P~!O~ ~ri.tten~~?r.~~n:-!.;;0 ,:' ,;',b', ":'i ;.~~ -',,,', . :'i-,~,::>;ift ,~:;)
ARBITRATION OF DISPUTES. In,the event of any past; present-or f.
future claim or dispute (whether based upon contract. tort,
statute, common law or equity) be!Ween you and us arising frt?m
Dr relating to your Account, an~ prlO~ accou~t you have had With
us your application, the relatIonships which result from your
A~count or the enforceability or Kope of this arbitration
provision, of the Agreement or of any prior agreement, you or
we may elect to resolve the daim or dispute by binding
arbitration,
IF EITHER YOU OR WE ELECT ARBITRATION. .NEITHER YOU NOR
WE SHALL HAVE THE RIGHT.TOL/TIGATE TH:tJ CLAIM.IN 'COURT
OR TO HAVE A JURY TRIAL-ON THAT .CtA.IM. 'PRE-HEARlNG
DISCOVERY RIGHTS AND POST.HEARING APPEAL RIGHTS WILL
BE LIMITED. NEITHER YOU NOR WE SHALL BE ENTlTLED TO JOIN
OR CONSOLIDATE CLAIMS. IN ARBITRATION BY OR AGAINST
OTHER CAROMEMBERS WITH RESPECT TO OTHER ACCOUNTS.
OR ARBITRATE ANY CLAIMS AS A REPRESENTATIVE OR MEMBER
OF A CLASS OR IN A PRIVATE ATTORNEY GENERAL CAPACITY,
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 daims later asserted in that lawsuit, and .
nothing undertakel'l therein shall' constitute a waiver 'ot.- any
rights under this arbitration provision. -' '~~:- _"" '" _.j'::-:.-". ~ . ..
We will not invoke our right to arbitrate anlM_divldiJal dairii"you
bring insmaJI claims court oGyour state's eqbivalent'(Du~'ihny, .
so-1oo3 as the'clai.m is.:pending o_~,!Y_f~:.~ryat"soud:,.and,~oe~, ~ot.
excee S5,000.00. '_'." _~'~. .::'>':~'_~:'.~:.:.,.~'~ .' ';'.::
Your Account invol~ Interstate: 'Co'ninerc'e;:/and,.this pr,ovisio'n "
shall be governed by' the Federal-Mbitratjp'r:l Act.(F.AA), The .
arbitration shall be conducted, at the option of whoever files the'
arbitration claim, by -:eitl:le,,~JAMfi1Endispute:~(~AMSr 'or' the
National .Arbitration' 'Fqrism:c {MAF}-~irrr"attordaoce. wi'th-"their
procedures in _effect when the :c1aim.;is filed: for q. top-y;:of ,their
proceduresr .to file' a.-"clairn .or.:for::othe( 'information,h::on.tact
JAMS at 192,0 MaIn Street'Suite"30€1,' Irvi.ne.; CA"'92S14.(pbone 1-
800.352-5267)'or NAPa! P,O;,Box 5,OHt. Minneapolis,- MN 55'405.
(phone 1-800-474-237,1). 'Atf;~our-wrftteii"feq.uest,. we: will .
advance any arbitration nling,- administrative 'and hearing fe.e-s .
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which you would be- required to .pay to'puf-soe,.'a cJaim.oF disp,dtl
as a result of our electing to arbitrate tbaf:daim -or. dispute, ,Sent
requests to P.O. .Box _'151.92" Wilmington. -DE 19886--1020, Tnt
arbi,trator will. de.cide. who_ wi!l. ultimately be responsible fo
paYing tnQse fees, In no' event will you be required to reimburSE
us ~Qc"any .arbitration filing, administrative, or hearing fees in ar
a.m,o.unt ,greater than what your and our combined court costl
would ha~e .been jf the claim had been resolved in a stat! coun
with jurisdiction. In no event will you be required to pay any tee!
or- costs incurred by us in connection with an arbitration pro-
~ee~jng. where 'such ~ requiremeT!t is prohibited by. law. Any
a~r.trat!on hea!ln,g wlll}~k~ plac.e In the. federal judICial district
where you resIde. The~'arbitrator shall follow applicable sub-
sfantive .lif'w to;th:~:p:t~nt ~e~siS1:ent),vith the' FAA arjd appli.
~~,I:!le na~ut~~'9f ll_m.ita,tl.sms and shall flqnpr daimsof p:rivilege
~ecogri~.zed at' law.'lf requested brany-party, the arbItrator_shall
write an opin}on"c"oritairnng the reasons for' the' award."The
arbitrator's decisiorr.will. be final and binding except for any
appeal rights under the FAA and except that if the amount in
controversy exceeds $, 00,000,00, anY' party may appeal the
aw~rd within 30 days to a three-arbitritor panel which shall
review the award de novo, The costs of such an appeal shaH be
borne by the appealing party regardless of outcome. Judgment
upon any iward by the arbitrator may be enforced in any court
having jurisdiction.
pur rights and obli.gations under this arbitration provision shall
m~re to the ~e.nefrt of and be binding upon our parent corpo-
ra,tlons, subsJdlanes, affiliates (including, without . limitation,
Dls.cover Financial Services, lnc,),' predecessors,. .successors,
assigns, as welJ as the officers, directo~ and employees of each
of these entIties, and will also inure to the benefit of ~ny third
party named as a co-defendant with us or with any cif the
foreg~ing in a claim which is subject to this arbitration provision.
:our nghts and obligations under this arbitration provision shall
Inure to the benefit of and be binding upon all persons
contractually li~ble 'under this Agreement and all Authorized
Users of the Account'Thi_s arbitration provision shaW'Survive
termin~ti.~n of your A~~pu~t as ~en_as voluntary paym~nt ih'full
by you, ,'arly',le~al proceedings by us to'iolle~ a debt o:wed 'by
you" any._~ank.ruptcy by you and ariys;ife-,'by'iis cifyou.r;Act'ovrir'
C9~fpANtE_, WITH- ,N1E~R'EST~RAl'E' U,MiTATlo"NS::',We 'jntehd
.~ha~ t~is':A9reement 'will ,comply'~V;i~h--apprkabje"'Tnfer~rl:'ia'te
hmJ~.tJons. YOtl- will not be required to pay Finance Charges lor
other' t:harge~ : at a rate' that-:is-~gr'eate(,'th-ar:dhe ':rnaidmUTrl
amount permitted by law. If It is .ever fihaJ/y- determinecfthat,
b~ for this Section, the Finan'ce Charges or other"chatges'under
thIS Agreem~nt would exceed the maximLlm laWful amount the
Finance., Charges and other charges' will be reduced' -t~.the
maximum .lawful amount. Any excess amount that, you' have
already paid will ~e used to reduce:theoU!Sti!lnding balance',of
your Account.o.r wllJbe refunded to you-by means-of a chec~ in.
our discretion,. ' :.. _"
'. . ,. .. ';:'_,-_:;1
GOVERNING LAW. This -Agreement will be. gove'med b}. the laws
of the State of Delaware and applicable federal laws. tt any part
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01 this Agreement be_cD~s \Jt'renfort'eilble; it will 'nli).t ma:ke.any
otherpartunerlfor.ceable. ~". :,~ :"', .i.~".:'..
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.. ',PR,IVACY POLlCY 7;..'3'.'- .;';';.'
. Wel<es~..ct~(wrh". ~r\\laiiy",,~j'-ct;:"':':j' .J,'
Our mission_ is: _to prov.ir./e: YOl!' -_".'~. ,.SllP':C1qr ~pr,~U,_ts,,-}n~,_';
services, al'ong with the.,pe.a'-e .of .mlnd ,~f)OWI~9 ,th~t J'~~r
privacy is secure. We understand your concerns about guardIng
information about you i!;nd your Actount.. We want to assure YDU
that we have taken steps, and will continue to take steps, to
safeguard that information.
This ?rivacy Policy describes our efforts to m~t these pbjectiv~s.
It irlCludes I summary of the iollowing important ln10rmation:
. A listing of the per$t/Oll irl'formanon we collect,
. The circumstances in which we may share information with
cthen. .
. The ways we safeguarc the confidentiality and security 01
information. . '_ ~':'e. .. ,. .'. .'
. The steps you may take' to -li'mtt, our-sbad;ig 'oi"'-5~ch
in10rmaticm with others. See Settion 4 for complete detillls,
Please read our Prwacy Policy carefully, It will h!'lp you under-
stand how we coHect and share iniormation,
1. What Personllllnformation Do We Collect?
To serve you better and manage our business, it is important that
we collect and maintain &ccurllte pe!f5onat information about
you, We. obtain_ this informatIon trDm appJication$ and. other
tor"" yo\.! submit to us, from your dealings with us. and others,
from tonsumer Jepo,rti1)g agencies,.and jrgm pt~e~.s?l.lr~t~},.._s.u~b
as OLlr Web srt~s.. fSl'r:exiJrnple: ~,'.' '."_:;.: ,,>"-:,'-:';-: ;::Zi- :.::';
~ We _may- obtain i~foq:nati~n. such.ali::YQ~r :n:a~.e.,;~,Qd,{ess:_and'
'~date:9i".b~rth. j~~~ _.appl!_~~tio~~_,ap,~P1~:iri~~Ts. :Y.~W.,~~tp~i~~
-~'~!.~"'i,0. ":f";>-':\:.'~~-':"'/' --:~k:~'~. ~',~,r'~"'*"_ :~l)l'~:I.,.'-.l
~,We' may obtain'..infl)~mation::_$t:rch.;,.as Al;CPUJ;l~ paJa-nc:e.5.;
paymen1 history,.yo,ur, use,.of..yoLlr Acco.LJnt<-,~nd the types of
~,Ni(es you pre~er. fr~,~..y~~~ :~~.~s.a,cti.o.~,S :a~d Pt~ef deali~g~
.wlth.us and others~....."" " ..,...~/~. ';"'_..., ... ~ ." .-, .
. We. may obtain informa.tio'l stirn as':t.t'1_~, ba'la~~~S' of.your.iloans.
,with other lende:ts~a:nd:rour p,aYtTI_ent. hl~pr.y WIth 'others "from'
tonsumtneporti_ns,age~cles;~"-:..:";'~ :':~l/:~; . :,.: _;;. :.'.', . ,~'"
'-We may . 'obtain 'inform~tiO'~i~_$iitl1:as,.'y'6tii"'lrite~,hef service
provider, your domiin narT!e,;'your. compL1ter'5 ,opei'ttmg...
system and Web browser,: yourWebsite',use and youqiroduct
and servke preferences'Hom your visits ta ourWeb.si1e-s.,
- 14 ~
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2.'ls Personal'.lnfor.matiori ShandWith Dthers:?',d t.':e';I~~1f.~
.'-'. ",,-' - '.,'- "", ' . ...., -.,,,-..,.,....,;..,
We"lirTilt 'th~, snaring of mfQr.lT\at\b.r' ~it.h o~heJs:., ~a~f'.ortb
offers'yo:u'reteJve for prodiJcts ,and sennc:e; are, ~rDv;a!'d directl
to you Horn 'us. For exam?Ie:; a'reiajler'thafic'c!:!pts"the Di5.Cov'er
Card may come tc us with _a special offer for Cardmemben,stitf
as:.a diScotJlit certfficatf-: ~bf.:..:product upgrade,'JAfter ~careil1
tonsid!'ration 01 the natlire.-'oLthe' offer am:hhe comp.!;tn.Y;:Wf
will create 8 list of Cardmt!;mberswho.rnay be interested:in the
offer based on certain .,ha'r~cterirtjo, We wll! ?end. the'offer
rjrrectly to those, CalJ)!1)~mb'i?rfon. betJair of..the.,rli:taBer ~~Jof
exa~~I.e~ in~hjdin9 )~n"j'~5;et;tln:,tn.~Jr' m~nth!~,.!jil~n9}t~em.~ht
or mllllmg ;th~ otte.L~~~$,~,h'~hYft.t;9r}.tr?I.-t~~ Wi.or~~tt~~..u~ed
to mak~ tne"o.ffer; .~oo':rc>t:,.S,~zll,e ~he'."s..tor any)n.f.o.r:mati~
a.bo~,~ql).r..."C_~r~~e,cnb,~!~.:..~1:t~:1~e:' reta:il.et. "'fowey~r, Jil.~ase
underrtand,thaVfyou'co".r!!ce,ve, thIS type of offer tro.m:us and
choose to .take' aovan"tage of' it,' the retailtr mey thei1 learn
iniormation about you because only Cardmemben with certain
tharacteristics received the off~r,
There art, t-.owever, circumstantes in which we milY ShiH! the
information we collect about you, as destribed in Section 1, with
other companies in order to provide )'OLl with access to products
and services Ilnd to service your Ac.tount effectively, a~ g'etaj)ed
below. We requir! tn<ese tompanies to adhere to our". privacy
standards i!1d to \J~e this information only for the"'limited
purpose for which it YVBS shared.. We do n,01 allow,Jhem to
disclose it to others without-,q~r..p';"iclrc,app-rOva~, ., ';'-";;'~; ..:,;':
a, Sharing Personafi Information' with ~ Oui- Corpor~te: :f,amily
We are part 01 the Morgan Stahley family of c:ompanjes. Our
corporate 1amily off~rs ill wide varietY of products and s!Nkes
that can help yOIJ manage your finances, In order to provide you
with iltCeSS '10 these productS &nd ~ervkes, Wf: mil)' share the
information we collect .abovt you, as described in Section 1, with
other members of ~ur corporate, family, Tnesl! ~,ompanie5_i~ludf!
financial serVice pro,\fiders,t~a.t p'ff~r,mor):gage len~jng s~tvice5.,
seturities and ~s!:ef' mana'ge'ment' services, ,. inve:stm'erii:
opportunities a:ntl mutiJal.~tund5; and may;.i~c::lude::l1on~finintial
servICe provjderrjn~He;f0qr~:i5::,lir- cO,i'porate.':family cohti~.u~~
tp grow,".I~}~ ~~!:~, L;' :-~!,j~E:, ,;;;~:':-:~~':,: -:::, ,~~ ,i.-'~ n ,.'.. ;:;:
~~.~h.a'~ng:':f'~,"ii'o3ta'(~&~p;if!o'if~]t~~:',N,~n;Atfi~~a",~,~ Parties,'- to";
':' 'Milrketmg"~urposes ,l~ ".' :.. ..~.... . ....:~.. ,. . ,- ,- "", ':-..". "'. .: -,
.' ". __ - _ ",",., ,.,.,,-" :.' ......_..., -" t',. ..,,.,,..,~ '-,..". " ..;_'.,
We may ~he:re, the, rnfGrmati'om- we :coJ/e-ct abput yo'u;:" a~
described in_ Sect'lon . 1, ~ith non~a.fWiated third -parties,
including, those that .accept the Disco,vef Card.;, in, orde!, to
provide YOIJ with access to produCts 2-':ld services offer~F ~~ect!y
by these companies that may be' of value. toyou.,,;.Th.e~e
:ompanies ir'lclude finax~(ial s_erv!ce providers, such as ,insi.Jran~e
cotnpaf)!e_~,:_~.hd.non"~t~anc.i.~! tomp.anj~s, 5l:'ch as n~t~I.I~rs: , :
L Sharing Personal Jriformatio'1with Othen
We may.share the - information' we coned about )I.ou, 'as
c'escrjbed in Section 1: with companies- that perfDrm support or
marketing services on our bf.half, suth as mailing, market
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research and data 'p~oceising:;; othe;.'finar.lI:iat:inrtltutlonswitM
which we have joiot marl::.e.ting. agreements; .or compant_es:,th"!t
are our, partner.s for _ cobrand"credit card programs.or.r'ewar.d
programs_ We may also share;sucn h#orrriatiCln:as 'permftt~d by
lal!"'. ... . ._~~~,.,~, . . '.", _,: ,';
3. How Do' We Protect'" The Confidentiality, Secu~ity And
Integrity Of Information About You? ,
We maintain physiCal;' electfl;m.it; B'nd p?~(-;dura( saf~g'uards, to
protect ~he information. w~ ~.oUecta~put..you: ,.A~C~~,S, .to s~~h
in_formation is rest~jqed.t6'jn_dfvidualswlio, ne_t'd'.it"in 'order,to
S_erVici!. Y~U( ~~~.ou~~;Pf~7".prQr!~~"pr,o~~~"}.~l! ,set\j~s ~j~:' ~9~
and who. a~e traln~ "!O't~e_ p~opeT'hanot~~.g. ,of ~~c~ Jryfo~rT1:~mol)~
El;Jlp'!oyees who . vl~.l.~t~.~Mes~-. cop~dem,l,~llo/. req~w!m1n~ '.?r~
s,ub,ect to our dIscIplinary prpcess" 'Wh~r! thJrp pa[t!es:'proYlde
support. servic~s, we require- them - too' 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
information is incomplete or inaccurate, please write to us at
Discover Card, P.o. Box 30943, Salt Lake City, UT 84130-0943 so
that we can' update this information.
4. How Can You Umit Shllring Of Information About You?
We respect yourprivacy ,and offer YOlj.cl)qices. ,.liS to wh~tber. we
may share information aboUt yb.u\vitl"otne'1"$:~lfyoti.prefeTtn~t
we not share the information we,to,llect,aboL!t-you..'as described
in Section 1, with non.affiliated third parties oTif you preferthst
we not share that information with c.ompanies in our corporate
family, you may opt out, that is, you may dired us not to share
that information. If you indicate a preference that we do not
share that information, please understand thi!lt you will not
receive offers for" products andservi_~es, 'p'rovid.ed...by p,ther
companies that could help you ,loyVer {o:ur:.~SisJs._Jry~x!mrZt)our
financial resources and man.a9~ yo~.t.fjr;a.J:i~~:"." '.,
To :indicate your.preferenc~s'r.:caii.':'u~~at. ~..80o.22~S202 .or '~ii,t;
to us at Discover Card. P~O. B:c-x 3D96..1',5altlike ,l;:jty..-U:r; 84'3Dt
096', If. you have previously notified u$"'llbout. your -"privacy
prl!f.~ren~es~ it is .not.nec'5sary.,t.o.~cfsQ ~gain-unl_es~ yo.l,l-deCidl!
to 'change your preferences. Yciui"w"ritte'ri/e.Clties1.ib.qglgJp!=ll:idi
your name, addres.I~. t~lepho.ne, /)-Umber ,~nc, '~d:ourh nurTJ,ber'(sl.
and should not beseiit with'any' otner.cbrrespo!"\.den?e:JWorder
to process your reqiJest we requjr-ethat ,the requ'est'be provided
by you directly'and hottnrough.a tni(a-'par1Y: ~ou will need to
pr"ovide 'us with.youf'preferences .for-:e.a~h.c.fecJjf"Cara' ac~'r>~n\
y~o.have~i,th.us: " .. _ '_. _";: ~~'-"'" _' ; ~:~'-'_,~:;:,. " :;,'- '.'.~:,;;~
You'. m~y.. ~otify:u~ ;,a b~tft" yo_~r' .pr,~fefer;€'~s"cd.: "a~y \i.~.e.~~Your.'
request will remain'ln 'effec(until'you, no1if(u(othifWise: We
will honor your request anq' not'Share-the-:iriformation we'coJrect
about you, except as permlttedby .Iaw; For exa'",plei~tederal ,law
permits us to share information about you' with tODsuroet
reporting agencies, service providers and marketing partners. It
-16-
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also, per.mr4-I~~j:o':s~re..informatjon ;about:ouf:-experiehces an
transaction's,;"wi!h, you~ such.. as, -your, Account ~ balance - a'n
paymen~.his:tcir.y; with. other.. members of our corporate faJ:llily.,j
YOl:l.are. a, new Cardmember. we will not,share any-inTormatrol
abo,ut you, ~xcept as permitted by law._ forthirty-daynfter-wl
prOVIde this Pcilfer_, to.,you ion order, to; ,give .you an opportunity tl
inform us about" 'Your -' preferences. If you are an exirtinc
Cardmember, please .understand" that you may continue t~
receive marketing offers directly from other companies thai
wef:~" "!Irea~y., i~ pr,odust.ion PIior ~o the processing Clf your
r~'~~;~..~~~:~ ~-','-;:\i;:!~l~:l~-~J\;-~>:,':t~:\:.;. . ",: . ~'.' ; .':~,,; ,
Thi~ PrIvaCy, Pplicy.js;p-rp.vid.ed;to, th~ .pri~ar.Y. Cardme~bei'lirt~d
o~ .~he .f-~cou~~ .tto.w~~elj,..i!nY j.oiT!.t:Cary.r:n~~ber has the right to
~9t,IfJ',.Hsap~u:t ,pr~jF[e:qq!s.,:~n,q - ir'~ :~m t,r~,~1 )p~r req.u'e~1 as
apP!YlOg to trye _entire :~cC;:OY("lt~, We, 'dl? not' share:- informatIon
abolitformer clJstome.r~, except as permined by law.
This Privacy Policy is provided to y~u by Dts~over Bank and its
subsidi~ries, which c~rrentjy include GTC Insurance Agency, lne..
It a~phe~ to the Discover Platinum, Discover Gold, Discover
ClaSSIc, DIscover Private IssueJN, Discover Titanium Cards, and the
produ~ and services offered in connection with those cards,
Includl.ng The ,R~gister'"' card registration serv_ice (with the
ex:c~ptlon ~f an~ Information registered in connection with the
service, whICh will not .be s,hared), It is piHt of your Cardmember
Agreement and provldes,a f!,lrther, expJan_a,til:m ..of how _we
collect and sha reo infor,matioC}.' :Yo~ ;'.may:ryav.e, oth'eirighii;tll:ider
st~te laws th~t apP,ly to .thi~. inform.ation, Plells~; note. that you
Will also receIve pnvacy notices for other credit card accounts
you ~ave with us, as well as other financial products anq services
proYlded to you by us and our affiliates. You will need to
i~dicate your pre~erences for each of these separately as
dIsclosed 10 the notice. .
~erm~nt ~nd. No:th Dakota ,R~sidents - Your State laws require
!Inanclal. mstrtutlons to obtalJ:l your ,consent prior to sharing
mforf'!'a'tJon abClut. you .wit~ others. Except as permitted by law,
we. ~11J not:share ~fo~.ma~Jor:,.,we -~o.JIect~out..~ou- with non.
afflll~te:d tturd ,parties,or."lfyo,u ar-e:,a,Verlfl_ont resident ,with
compa~jes .in' ~~r .c~r~~rr'ii f2,tri!ly i~hll{5 }C?u_.'c"aU, 'us at ;~800:
OI~CqYE~ a~:d a:uth.~\I.~e~u,~'~~;,~~.~~.~: ~~i;.:<,~:'.::~ :.::' . --.-
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.. Your. Billing 'FUgnts . . .', . ..
KEEP THIS NOTICE FOR FUTLJREust.
This notice contains imp6rtanf jnformatioM aboLrt'.y~t.~:..-ri~~t-ru
and' OUf responsibilities under the FairCredit BiJHng' Act,,; , '.'_: .,.,
1. Notify Us in Case ~f Efron'or Questions,Abour' roii~ Si//i .....
ff y~u think your bill is ~ro.ng; ~r jf you need';"ore"inf~~~:~~~
about a transaction on your bill. write us on a separate sheet 01
-17-
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pllper at:; thedddresl. 'listed _on'~yolJr.~ ~iU_.1or' Notic._e ;00{. :.Bnnng
Errorsj ,Write:to us.'as soon as possible, We must hear from you
no laterthiin 60 days.after we"sentyouthe first bill'ocl which the
error Qr problem appearecj, Yo~r.i:antele.p~one 'us, but doing so
will not preserve your rights, ~ "'''', '..C' " ..
In .'I~r J~er, 9iv!..~i~,= i9!1.~~pgjnfp!fu~tj6n:. ',.'.
, .-'" " - ... -,;,.-,.; ," ,
. your nam'~ and Accoun:t-l7'um.ber.' . . .
. your dollar amount of the suspected error, .~~
. describe the error and explain, if y~u'.can; wh{you b~lj_eve
t~re is an en1;lr,-li you:'nee_.d mor!_,j'1form~tjpl1, ~~Scribe.t~_~
If!t;;~~oh~~:;::!~~:~t.:#.~!~ti~~~,;.~~~:;};i~tf:;~;~'~~j~;~.::.:;1~.i'l
automatically_ ~rom, yf;!~(-,-~a~j.0g~.,tJrJIi~rb~g"a,co\Jnt. )'~y!:'a~
stop the payment on afly"amoyhtybu think IS_ \oVT-ong. To'sto.p' fhe
payment, your lene; musn'ea'di us three business days before
the IIUfomatic payment is scheduled to occur,
2. Your Ripnu and Our Responsib11itjes After We- Receive Your
Wrhten Notice
We must acknowledge your letter within 30 da-yl, unless we have
corrected the error by .then. . Within 90 day-s., we murt either
correct the error or explain why we believe the bill was correct.
After we receive your letter. we cannot try to collect any amount
you question, or report you as delinquent We 'can continue to
bill yt>u 1t>t the amo\Jn't YOlJ, que_rtion; ~nf)i:ldirig,tinanc'e charges"
and we can:"pply any :unpaid' am"'oUnt "againrt:your.--A"ccount
credit limit You do not hiJV~ to. pay any, qvestioned amount
while we are investigating, blJt you are rtllJ obligated to pay the
pam of your bill that are not in question.
If we fino that we m"de 1I mistake on your bill, you will not have
to pay any finance charges related to any questioned amount. If
we didn't make a mirtal::e, you. may ha....e to pay th~ -finance
charges, and you will have to make' up any mIssed payments on
the questionedamDunt In either : case, .we will send you a
stat~ment of the'amcunty?,u owe and the ,datethat:it.is'due.
tf .you 'faJ'--to' pay'the"~'m'i;)urit tha,tW~r:thjrlrYdG'.o;;e,"\~i'may
report'-yo~' as delinquent. Howe,vtJ.-lj ,'o-u~::explana~iClr( d~s.i:roi
satisfy you and you write us'within ten: day~ t_elfing ui,that-,You'
still r.efuse to' p,ay;_ we rriui:t tell anyone ~ report you.:to that you
hIve a-question about your'bill.. And; we murttelJ you the name
of anyone we' reported you t6. We must ten any~.ne we report
you to that the matter has been sl;!tt:led between us' when it
finally ii.1f we don't followtoese:tules, we.can't.collert the first
$50 of the qyestioned.amoi,mt, ev~n If'ypur bill yvas corr.ett. '
3.,5p~d~TR~I~'Forc;.edit,c;rd,~~~s~s' ,. -.' ,_'
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If YDu.h9v.e-a'pro~l~m,with:the ,'Q,u.llIity:~of,gooQs or. ~er:v.ices tha,t
YOlJP..~rch~:~e'd with a ,cr-e.dit card'"an"q yo~~rled in gooo:faith to
corrert:fhe.'probleriCwrth th~e 'merChant.you may"have the" right
noHo'opElY .the ,remaining amount due.o.n the .goods or sfNtce-s.,
There areiWo limitations on this right
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(al;you;',m~e'lihacle-1.he.purd1ase in your home state'or,
not"Withim,.yocm home stat!!, within 100 miles of .your CUrrer
ma,lUngiaddt.ess;:and
(b) ~tii~ p~-rchase price must have been more than $.50.
;!:c~~,~, ,., '::. ,
Thl!!5f. 'limitations do not apply If we own or operate th
merchant. or if we mailed you: tn, advertisement forthe good
or services.
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DISCOVER. CARD
CAS H BACJ(. BON IJ S.PROGRAM
TERMS ANDC6NDITIONS .
The Cashback. aonu~i Terrm a~d C~l\d.itions constitute !I
separate II nd independent. l!lgreement from the Cardmember
Agreement and apply to Accounts that participate in the
Cashback Bonus Prc9rilm. However, then jerms and Conditions
are subject to the Arbitration of Disputes section of the Card.
member Agreement, which is incorporated here-in.
1. C.unback Bonus awards are amounts denominated in dollars
and cents which may be accrued by Cardmembers by using their
Discover. Card for qualified purchases. CasMb..,ck Bonus llwards
include Traditional Cashback Bonus awards and other Cashback
Bonu, awards as described below. Cashbacl Bonus awards are
not accrued for Prohibite!;1 Transactio\ls.(as .defined in_ the Card-
member Agreement), cash advances o'rba.lance transfers..
2. Traditional Cashback Bonus amounts are (alculated based on
purchases made during an annual period corresponding to the
Cardmembe~s anniversary year as described in paragraph 3
below, The first anniversary year beogins on the date the Card is
issued and encu on the last day of the twelfth monthly billing
period which follDws, Each successive anniversary .year is the
approximllte one-year period comprised of the next twelve
monthly billing periods.
3. Except as provided below and in par.agraph 4_ below, the
accrued amount of D- Traoitiornl Cashbac(. Bonus award is
.calculo!lted by multiplying the total qualified purchases at the
end of each billing period by: . .
. .25% (,0025), if the purchases are part of the' fj'rrt' $;:500 in
purchases during the anniversary yur, or, it the'purchases are
madt at select: warehouse clubs or discount stores, and
. .50% (.0050), if the purchases are par1 of the seeppd $';,500 in
purchases during the anniversary year, and .:_:', ;;. -, .,"
. 1.0% (.01), If the purcnases are part of the purchases' in excess
01 S3~,OOO durir.g the anniversary year. .' :':';-;.":~:';.'
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Any purchases made at seJed warehouse c1ubrordiscount stcires
wtll be ineli;ible- for ill Traditional CashbacJ:: BOnus' award in
excess of .25 % (.0025) of the amount of the purchases. However,
-15i-
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thes~,purc:hases'.\.\(ill contiflu.e-,to'~e,indud~d'i1) the total- amount
of, purchases 'made dU"r1~'~<tnehanniYer~_ary :reat~-and~t1sed:.to
deterf'!'line the appricabl~ perce;n.tage'rllte fisted' abci~e :Tor. other
purthases,_.P\use ,ca~~ 1-8op.-~"7:,~g~;,_ci};..<yi*_ o~[-,VYeb:sjte at
Discovercard.com 'for a /in of the5~ select.warehouse dubs arid
discount stores, ;~:':. 'jj;, :::,-;::""'~i~': . .'C ~'
Th~' 'iota'j of tnes;-~aJculatj'oris for 'eatFl1Anl~'ifr~arY'Y~r.j$''-il}~
accrued amount of the Traditional Cashbad Bonus award', The
accrued amount of the Traditional Cashback Bonus award will be
made available to Cardmembers ~ ..descr.ibed ,beJpw provided
the conditions conta1l1!'d:-~oj.a~a9.raph.;5:.b'~loVl ar~...rne~ The
calculation tor ~he. Trapitiona_l .csshback, Bonus .aw.ard be'gins
again with the be~.ifuiing' 9t~@ch._a~riyer:s~ryy~~j,/ ......
4. Ca~dmember~ ;~~"il~ct'blo:fferid:;fr.C:;; :ti~~~tb' t~~: other
Cashbad:. Bonus awards (i.e:;:cy making a-purcrase ,at!a speCific.
merchant}, th~ terms' of which- will be dhc:losec In the otter.
These purchases will receive the award amount described in the
offer, They will not be considered qualified purchases for
purposes of determining the annual level of purchases and
calculating the Traditional Cashback: Bonus award unless
otherwise di!">Clo~d in the offer. These other Cashbiltk Bonus
awards will actrue in the Cash back Bonus Account in accordanc!
with these Terms and Conditions unless an alternative method of
disbursement 'is disclosed 'In the offer. In addition. it, as of the
date Discover Card determines whether a Card member has met
the terms of the otter, the, Cardmem.ber's_ Account is close.d _or
delinquent, the Cardmembe-r wiU'iidt ieterv~,~hls, pth'er Ca,~lio~ci
Bonus award unless otherwise'disi:losecl.iri'the-offe('horWilJ"the
CardmembeT retelve a Traditional Cashback Bonus award on
these purchases, The accrued amount of these oth!!r Cashback:
Bonus awards will ~ made il'vailabl~ to Cardmembers as
described below provided the conditions contained in paragraph
5 below are roet,
5, All Cashback Bonus awards will be held in the Cashbac:k Bonus
Account. The Cashbad - Bonus amo'unt avail.able. ,for
disburs~ment i5 the amount in the Cashback Bonus Ac.tount" as of
the ,las:!: day of the: Cardmember's:,previous - b'Urirlg::.-period.
However, .Cashb"at.k, 'Bonus..,awards. may .be_' reoee~ed__:'in
incremems 'of .$20. only,-'Cardmembers have no.rl,ghf to; accrued
Cashback Bonus amounts of less than $2010r aiTu:icir.i"u'"wrtl:iiFl:the
$20 increme.nts~. .. " , . ": _l,-/;.~ j':~::;:/ ,.".: ,;'~*:?~:):,:;"'~
Only Cardmembel1 in good,rtandir:tg with: open Accounts ,may
iccess the accrued :Cashbac:k: Bonus-awards-. in 'the ~'Cashbad:.
Bonus Account. To be.in,.9Qod standing a Cardmemb~r may_ no;t
be delinquent ras'de~trjbed below) or ,in'de.fault'(as defined in
the Cardmembe:,r Ag~'ef):m~rit};.a'nda t~i'dinember may'not'have
used the . Account . 'fo~; .any protlibited. Transact;ons::.:;The
Cardmember is delinquent/it, Discover'~Card.bas-not Jeteived ,a
requlre~ payment by the. ~ayment Due. Date shown, O!,f the
monthly billin~rtatem~'!t . ....
If an ACCDunt 'IS ioactiv.e for 36 .consecutive months, any' amOl,lnt
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of J26~bl~~~~qu.~,>.:., ~.' g~.c.~s~oatK >B't:?'ffUS.~.'._:iV{.'.-a~.~ :~i!l p.e: p. _aid 'I.Q..
t~~~affi~,It!,~t)? .;,~f'! A~5?!Jni credl:L1n;.$.?q lpqerp~n~J:f-Jh~
S2Q PJk!!tBg~'l?r,~l)';l~qetf'l.~p.t 'of ~2.9',t.J1e!,etf1;.~,~..~,qtr.ea,c:fie.d;
t.IiF~rj'ic?~ntY!!!! ,pe..forfelteCl. If._ an,. A~coun!".rs clos~~':~~( ~~,!1Y
re_Bs'S'h.fo 1\W:':'"Cas/'ioack:' Bonus awards )n the Cash~a.ct ~'.Bon_us
AttOun-Hwitl be forfeited. . . _', '~., ....- I -x.:, ';' '.,
Z2,'!:::,;r.."ij.l:.: ,;;.'7V;e'; , ..:: -. ',;.' .:'._: '~-:"<,,' ~f,,~F!!~:,> ,',I:',::
6,,~,l(~qual1fy!~g- ear-dmember, may 'hil've' the~ opportun'ity.~to
choose' the:manner ,in which,Cashbad:. Bonus.- award'i: are
disblJrsed' including_ a credit. to the"Cilidmembe~s Accol1lnt,.a
check thl!lt is mailed to the Cairdmember, Dr al'l'exGhang~' otth~
C_il~ryb~ck B.?n~~;..a.rv~rd: tp.f,.}~I.~~d.,,'pr~d:l!~..qr ~~ltX!..C~~l -.tQe
terms of whICh wdf.be :conta,m.e8.1h.the'offe,r,.Car,dmemoers,may
select mo~e thah':o~e"'redem-ptlon.' rf1ethoi("howevM'.eich
redemption ~:and-:eadi~.redeitlptlo.nrriethod ;murt b~ -in "$20
incremel:!'tt :DiscDver-:C!ar.d.,l'tIay~.ch3nge t1i~_ndemption methods
in its,so\e disq:etioJ'l_ tr.Drrr"tlmeto time, It:is .th~ Carcmember's
responsibility to 'notify Discover Card in the event a Casnback
Sonus disbursement is not received tor any reason.
ClIrdmembel1 may redeem Cash back Bonus awards by camng ,.
en.YOUR AWARD (1-877.968-7292 (Monday-Friday, 7am. 7pm
CST) or on the Internet at Discovercard.com, Prior to
redemption, the transactions on which- C!shback: Bcmus awards
are calculated may be audited 1'or c.ompliance with these 'Terms
and Conditions,
7. In the event a Card is Ion or ttolen, the accrued amountQl the
Cashback:'-Bo~us, awardf,in the Cashb~ck'~Bonus~~a6uni. the
amount o('q~ntyjng purchas'e_s-ianif.!h(a'n~,ive'is.aryTCfihe.ir9ni
the old Actoun1 will be trannerred to' the.new A.ci:o"unt. - "~"';
a, Discover Card rese-rves the right to make other adjustments to
Cashb6Ck, Bonus ..mourns actru~d based on Account activity: for
examplt:, any returns will decrement these amounts as
dett:rmined in Discover Cilrd's sole discretion. Discover Card also
reserves the right to truncate or round Cashback_~onus amounts
to the nearest c~nt as d~termined in' its sole djscr~tlc'i'n,' Jf the
Cardmember receive$ a Cil.~hb6C~ Bonus awar.d I'n 'excess of the
amou;~~.;ft, t.b~ _ ~a~.hb.a~.k~', B_onus Accou.~fS.'i:tie . Cardmeniber'~
Acc,oU,rit_.wilJpe'"deEilted, for t~Ie,_ehf:i_re.'CI-ri'l6unt"or the:errbrjeous
j~~T,d'.disBu:f~eme6t!~his,'a~o~_n(~i(t~'\u1iJ!~~,f~ tti(t~rfrlS "of
th~-Cardmer:nbe,{ Agr.eement,.lnc!udJ,lJg..~_ut:oot.~J.lmltei::l.tq .tbe
Ln;p~~!~ffd,,~f\.~in.a~1e.:.fg~:~gjl~i"~~;";;;;"::0I ;.j~~~~"r~~'~~~:;~~k:~~
9, These terms and conditions _are. -subject 'ta.'cha'nge..without
notice. Changes may be made at any time.;and may' inClude, btrt
ar~ not limited to, modifying the level of purchases, required, to
quaJify}or t~,e various tier,S, esta'bHsh}ng a n1:!ximuirrarl1ou4(ot
Ci!~h~ac~B,Ol)lJS_ilward CilTdme1T)bers ,m_ay, rece_ive, ~ahgjdg'.th~
alTloun~}hat must be accumula,ted in. the .Cashbac~ Bonus
AC~ouo(be,foF.e,an 4\:"ard may .be"re9_eem,ed, .sqang;ng'tht ~PeS
of transactions that_constit!Jte..a: ClLJoiilliffe.d. p~t'~as.e, ch'a~.9jng.'-
the amount of C~5hback BonlJsaward accrued on certain types
of purthasesi,impo~ln9 additional restricticns;i'or .terrriin-ating
the program..' .. t. .
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. DESCRIPTION OF.COVERAG,E~'",'o "..d,
,CH,OULEO' .'A{~ .TRAV,l'Ac:6D~ENr'.IN5URAN'c:[7b1;~b;~~
Ctassic. Cardme"rnbeni: 'are:_provj~,eo;~.:whb:up.: to'; J'j ~O, oob
Scheduled AH, Travel ~Acc!deryt", prote.~U6n~'Whe'ne.v.~f.'yoCy: ~s.e
your 'Oiscover_"'CIa"ssic Card (the' "cred~. cara:): 't~ c~~rge your
entire Common Carrier Fare Ticket on 'ariy'Comm'~rciar Aircraft
operated by a -Scheduled Air_:Carrier.rJr1de"(:~a,:lfceii~,;ior'the
tramr:portation of 'pas,sengen' tor hire (l:'J~rein: 'i!lHed.'~"chedujed
Air (arrier), you. autl;'matically receive :~his valuable C:overa~e' at
no additional cost. :\.-'r ';; " ,;.-. -.:; ".::.. 5"''':' '~'-' .
th~, b~ne!i#.cifth~ -~pU~;p'~~y.id.ing ~~y<t'~vGag,~'arj. go~~~~e~
pri~a~I~..~y.'.~~.e ~~:~1.~;Af.f:'Et~~f}~a:r-Jr~(JE~_:' ,,',~~~," c:..;. :
,"Coverage is. underW~itten by Natlonar;.UFlion'-,F~re"':"Jr'lsurance
Company ot. Pitts'burgh; PA'i (the:'.lnsl:lranc.e";Cc:impan~"'}i with
offk~s in N~w Yor.k. NY. Certafn limitatIons and,~~hlsiof'lnpply.
PLAN F,AruROS _ ;
! Benefit AmountJ150,OOD Family Aggregate Principal5um I
ACCIDENTAL DEATH BENEFITS. Insurance coverage wit! be equal
to the benefit amount to~ accidental loss of life_ The loss must
occur within one year at the accident that caused the Injury.
Family Aggregate Principal Sum means the total amount at
insurance in force on the Cardmember, his or her spouse and
their dependent_ children.for any onE':a!cident.lt.iT.lOfi;.thanone
lnsur~d Person dje~ ,as th,e, result ot_ the.(I,~j~ries.re~ei""edJ.~~ny
one arddent ttie Family: A"ggre~ate _p~incipar Sam~wjWD(pfoc
rated and paid in accorcaoce "Vith'the diim pa'ymerit il.~tI'.bene-
fic:iary provisions of the ?olicy. Once the Family Aggregate
Principal Sum is paid tor anyone Insured ?erson in a Family that
occurs as the resun 01 anyone ac.cident. no further benetits are
payable for further deaths in that Family due to Injuries received
in the S8lT!e accident,
Maximum Accidental Death benefits payable under t~e ?olicY,. if
more than one Cardmember suffers a loss from the same
a~~jde'1t. ,_are li.f!iited )0' an aggregat~" o,f, J2D,DOO,OOO ,.for. all
CIiI~~nie.m,be~s_ f;ombifteCj. Any reducti,~i, 9f b_enefrti ~ecessar'Y. ,to
comply ~iV', thJs .limitatio,rl wil~ ,.be.m.ad~ ,c,n' i- 'prDpor:tlQ.nat~
b.si(to ei!ic~"ardmemb~r up to tnis'ag,gre:-gate.lirnfto.f liability:
Ai used' herein,: Cafdmember 'riiei6(~ar~m;Mp,e.(,J;!r~'i~~r..~~.r
insured spouse and insured depend,elit children: This aggr'ega'te
limit does notJeplace:-or,in-any.way affect:the Family'Aggreg'ate
Principii Sum 'stated under the ,P:.olicy, ," ..,,:,'
''In)uryn means pO,d,iiy_-jryjury: (al.:whjch'Js)L1sta'in'ed.-@'s~a:tfir.~ct
re_sult: of .1m, unintended, (_lJnant~~I'pat~d'.8~dd.enf 1f(st.. i5::e~erTlal
t~. the bpdy' and that oc.cur~ .w,blle- t~e',jnjured",persbn~~,to~l!rage
under thir PoHex i,s 'in ,fo"rce,7Jod'(b):whi_<;h directly 0ril:f~p_e:ndent
()f~~il:~'1esi;. 'disea:~e, .l)'Ien~al_' 'i~fil1:n-~,: ~~~dfly )n:fir~l.'tY:,,9f.'~ ~;,y
othercause),c~,use~.'~ cl?,_ver~dJoss::'''' (.... ',.~. "',.' -:.~. .
DISAPPEARANCE 'S'ENEFfTS. We'witl'pr~;ume'Ylj~ sufter_et!.\pss of
life due to IiIn accident if: you ar~ riding in' a 5ch~duled Air
-22-
taj;ilerftrra't'~s4nf;Mgecttf:f'_'a'~'tOvered. acc1dent' and,'as- ii -restilt:-'O:
tne,. acddepi;.rtKe-:;Sche-duled"Air Carrier. is ;wreekeci; ',dnl:3.r 0\
disappdlrs-;:ari~Y-Dur body is 'rlotfound within: one l1-) year of the
atddeflt.!~ ,~~.>i' .':_.~ ~'~1,:, .,1 h,.- .
Th~'i~t~Lqt anben~fl~__p~ya-bi'e for you; your '~p'ouse ~nd''you'r
dependenf,c/lilaren'from the ~ame.accident w/lJ 'not exceed the
5150,000 Family Aggregate Prl"cipal Sum" . . .
EUGISrLITY. This automatic insurance. is provicied to eligible
holders ot the credit card whose names appear on thec:.redit
card, -their. 5pouses' and theif ,unmarried depenp.ent children
under age 19 (age 23 if atfe'rlding school on a:full~time"basis Bnd
fully de?end~n~~,'!YO~'1or s,yppor:t), H.ow~ver.J~e. age, limit does
not apply to. il;;.c;.t]JId,.\.'~ho,is .inCi3pabll!! oi.:-~tJf.surtaining
employment by reaso'n of mental or physical incapacity. "
EFFEC11VE PATES, Your insurance under this plan ,is eff~ive on
the later of: i} July 1, 200'; or 2) the date yow become an eligible
penon. Your insurance under this plan will cease on the earlier
of; 1l the date the insurance coverage is terminated; or 2} on the
date you cease to be an eligible holder of the uetlit rattl.
THE SENEFIOARY, Unless you designate otherwise with a
beneficiary designation form, your death benefit will be paid, in
equal shares. to the tirst surviving class of those that follow: (1)
your 5pouse; (2) your children; (3) your parents; or (4) your
brothers and sisters. If,,n_o ~lass,,~~30a survivor, the.beneficiary IS
your estate. You may_;cnange_ypur beQe!i~iary py wr.iting..to the
Insurance: Company at: Accidi!'nt &. Health DiVision, 500 Wert
Madison Street Suite 2250, Chicago, lL 60661.
CLAIM PROCEDURE. "Claim forms may. be obtained through the
ln~uraf)te Company. Claims for benefits must be filed with the
. Insurance Company_ within 90 days or as soon as reasonably
possible after the loss occurs.
PLAN OF INSURANCE COVERAGE. You, as a Cardmembet, and
your spouse and children will be covered against injuries that
result in an accidental death while as a passenger. in or on,
including getting in or out 01. or on or off 01, any Scheduled Air
Carrier if the Common Carrie.r Fore. 'f1cx.et for the: flight was
charged to your credit c-ard.
Companion tickets issued tor free with the purc:ba~e. of a f\JH-
fare common carrier ticket and used by a spouse or dependent
child Will be considered as fully charged to the credit card, if the
corresponding full Common Carrier Fare Tick.et is charged to the
credit card.
Coverage is effective when you board 'the. Sched\J\ed Air Carrier,
provided the full CDmmon Carrier Fare Ticket is purchased, or
the travel reservation is made tor the companion tickets. priortci
bearding such Scheduled Air Carrler. Coverage ends when you
alight from the Scheduled AIr Carner .. _ .'.~
EXCLUSIONS, Senefits are not payable if the loss is caused by 0',...
results trom: 1) self-inflicted injury or suicide; 2) sicknf!55, diseasl!:,
or mental incapacity or bodily infirmity whetheF direaJy. or
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indirectly; 3) infections of.any kind'rega~'qlesiH~f;hb.~:contracted;
except bacterial -infections. that. are.-directIY.:caLlsed 'by..bptulisz:n:
ptomaine poisoning' OJ an.a!;cidental.cut.Q(. .wou~d, in.depen.dent
and in the absence I,.{ any under.lying sick.ness, ,disease,~c:r
c:on.l[lition inch.~ding .but I)qt Iimited.t'? diat?.etes;,4) cO~rP.rning,o(
attempting to commit~' fe!?ny;.,?~ Vi~f1?.tit;i: ,otw-ilr" d~~la.r.!!d o'r
undeclared; or (6) tnlVl~1 o(fIi9~~)':l\Qr:.9h.,a.n'y yehide,ysed for
aerial navigation, as a pilot, operator 'ont;e.W ri),ember.'
LIMrrATJON~: ~~en,~f~t(Y.'lj! :~n1}~:~;~~it.~;~l1er':)'~~~~~~:i
member account. the cred~:. rard.,under,....whkh ,.the. ComITlo.TI
carrier Fare Tickets-wer~;.ttJH!Y:"thiir9- ed;~;,~.'i.~'"1.,C~::';;~:;.:':
.... .":',,~ _..,,'---~."",.~,',-,~ .:-' ,
BenefItS' are' not payabll~.lO:~,~b~~~:":d~~4~:f~1s1y;tJ~aj8~a\vhjre
on a trip for which the tickets,wer'e'purchased:wit"h"il'trequenl':
flyer voucher. - ~'-" '.. ' .---
Complete provisions pe'rtaining to this plan of insurance are
contained in Policy t91:J290n issued by National Union Fire
Insurance Company of Pittsburgh. PA with offices in New York,
NY. The premium for this insurance is paid by Discover Financial
SerVices, Inc.. out of intome deriyed from its credit tard
operations.
Please read this Description of Coyerage. Keep it in a safe place
with your other insur,:tnce documents.. This. Descripti,on ,of
Coverage (Form Number 5303650'00 J.r nof.'ii ~tc"n!iict'ol6f
Insurance bvt Is simply' an Intoi'~~tJy'!, it~!e,m~~fh),ea.~h:,~Hgfble
indi....idual of the principal provisions 'of'the' insurance 'wnile in
effect. ,. . . . . .... .
If a conflict exists betwl~en a statement in this Description of
Coverage and any provisions in the Policy, the Policy will govern.
Claims adminis1ered by: A&H Claims Department, P.O. 80;(
15701. Wilmington. DE 19850-5701, (800)5S1~OB24.
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BRUCE ENSOR
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
)
)
)
)
)
)
)
)
)
Plaintiff,
DISCOVER BANK,
v.
NO.: 04.5243 Civil Term
Defendant.
PLAINTIFF'S FIRST REOUEST FOR ADMISSIONS AND REOUEST FOR
PRODUCTION OF DOCUMENTS
Plaintiff demands that the defendant answers and responds to the following Request for
Production of Documents under oath pursuant to the Pennsylvania Rules of Civil Procedure
within 30 days from the date of service hereof.
Plaintiff also demands that defendant answers and responds to the following Request for
Admissions pursuant to Pac Rules of Civil Procedure 4014.
You are requested to admit the truth of each of the statements of fact hereinafter stated. You are
instructed that:
1. These requests are made under Pennsylvania Rules of Civil Procedure 4001, et
seq., and each of these matters of which an admission is requested shall be deemed admitted
unless your sworn statement in compliance with such Rules is timely made.
2. If you do not admit each of such statements, you must specifically deny each one
not admitted or set forth in detail the reasons why you cannot truthfully either admit or deny each
such matter.
3. Your answer, signed and properly verified, must be delivered to the undersigned
attorney of record for the Plaintiff within thirty (30) days after delivery hereof.
4. If you fail or refuse to admit the truth of any such statement of fact and the
Plaintiff thereafter proves the truth thereof, you may be required to pay the reasonable expenses
incurred in making such proof, including attorneys' fees, witness expenses, etc.
5. If, in response to any of the following statements of fact, it is your position that
the statement is true in part or as to some items, but not true in filII or as to all items, then answer
separately as to each part or item.
6. If you have been sued in more than one capacity or if your answers would be
different if answered in any different capacity, such as partner, agent, corporate officet or director
or the like, then you are requested to answer separately in each such capacity. Failure to do so
constitutes an admission in any such capacity.
7.
In these Requests for Admissions:
I!XHIBIT
,~.D.
A. The word "person! s )" means all fmtities, and, without limiting the
generality of the foregoing, includes natural persons, joint owners, associations, companies,
partnerships, joint ventures, trusts, and estates;
B. The word "document! s )" means all written, printed, recorded, graphic, or
photographic matter, or, sound reproductions, however produced or reproduced, pertaining to any
manner to the subject matter indicated;
C. The words "identity'" "identify", '''identification'', when used with
respect to a person! s) means to state the full name and present or last known address and business
address of such person!s) and, if an actual person, his present or last known job title, and the
name and address of his present or last known employers;
D. The words "identity", "identify" "identification", when used with respect
to a date, subject matter, name(s) or person(s) that wrote, signed initialed, dictated or otherwise
participated in the creation of the same, the name(s) of the addressee or addressees if any and the
name(s) and addressees) of each person who have possession, custody, and control of said
document!s). If any such document was, but is no longer in your possession, custody, or control,
or in existence, state the date and manner of its disposition; and
E. The word "identify", when used wW~ respect to an act (including an
alleged offense), occurrence, statement, or conduct (hereinafter collectively called "act"), means
to (I) describe the substance of the event or events constituting such an act, and to state the date
when such act occurred; (2) identify each and every person!s} participating in such an act; (3)
identify all other person!s) (if any) present when such act occurred; (4) state whether any minutes,
notes, memoranda, or other record of such act was made; (5) state whether such record now
exists; and (6) identify the person(s) presently having possession, custody or control of such
record.
8. Unless otherwise indicated, all Requests herein relate to those certain events,
persons, and period of time more fully described in the pleading in this case.
9. These requests are of a continuous nature.
These Requests for Production of Documents shall be deemed continuing so as to require
supplemental answers and documents if any information of documents are acquired subsequent to
the filing of responses hereto, which information or documents would have been included in the
answers and documents produced had it been known or available at the time the answers and the
documents provided pursuant hereto were produced. Defendants shall supply such information
and documents by supplemental answers and production of documents as soon as such
information becomes known or available and in all events, prior to trial of this action.
If objection is made to any requests for production of documents, it is demanded that the
requests for which there is no objection be answered and furnished within the aforesaid period.
All documents identified in response hereto shall be organized and labeled to correspond
with the request to which it pertains. For all documents produced, list the individual and his or
her job title and department from whose files it was produced and the current custodian of said
document.
If a document called for is believed to exist or is known to exist, but is in the possession,
custody or control of another person or party, the existence of the document, the identity of the
possessor, custodian and one in control of such documents shall be provided along with any
applicable common description or citation utilized by the publisher, possessor, custodian or
disseminator of such document.
If any document called for by this request is withheld on the basis of any claim of
privilege or any similar claim, identify that document as follows: author; addressee; indicated or
blind copies, date, subject matter; number of pages; attachments or appendices; all persons to
whom distributed, shown or explained; present custodian; and nature of the privilege or similar
claim asserted.
REOUEST FOR PRODUCTION OF DOCUMENTS]:
Produce any and all documents evidencing proof of all payments on the subject credit
card referenced in the Complaint, including, but not limited to, cancelled checks, receipts,
coupons, statements, accountings, memoranda, invoices, fmancial statements, accounting entries,
diaries, charts, lists, phone records, data compilations etc.
REOUEST FOR PRODUCTION OF DOCUMENTS 2:
Produce any and all documents you intend to introduce and/or provide testimony on as
evidence at the time of trial.
REOUEST FOR PRODUCTION OF DOCUMENTS 3:
Produce any and all documents to substantiate your claim that Plaintiff agreed to arbitrate
this manner in front of the "Solomon Arbitration Group, Inc."
REOUEST FOR PRODUCTION OF DOCUMENTS 4:
Produce any and all documents showing that Plaintiff was given notice of said arbitration.
REOUEST FOR ADMISSION NO. I:
Defendant applied for the credit card referenced in the Complaint.
Admitted
Denied
If the answer to Request for Admissions No. I is "denied," then supply specific written
documentation supporting the denial.
REOUEST FOR ADMISSION NO.2:
Defendant signed the attached credit card application.
Admitted
Denied
If the answer to Request for Admissions No.2 is "denied," then supply specific written
documentation supporting the denial.
REOUEST FOR ADMISSION NO.3:
Defendant has made no payment on the credit card since December 15,2004.
Admitted
Denied
Ifthe answer to Request for Admissions No.3 is "denied," then supply specific written
documentation supporting the denial.
REOUEST FOR ADMISSION NO.4:
The attached monthly statements, from January 5, 2001 thrOU[;\1 January 8,2005, correctly
identify the payments, charges, and balances on the account.
Admitted
Denied
If the answer to Request for Admissions No.4 is "denied," then supply copies of canceled
checks, both front and back, and/or if not available, specific written documentation supporting the
denial.
REOUEST FOR ADMISSION NO.5
Defendant has not submitted any written dispute as to a specifil; billing inaccuracy concerning the
credit card in question.
Admitted
Denied
If the answer to the Request for Admissions No.5 is "denied," Ihen supply copies of specific
written disputes as to any billing inaccuracies.
REOUEST FOR ADMISSION NO.6
Defendant failed to elect arbitration in a timely manner.
Admitted
Denied
Ifthe answer to the Request for Admissions No.6 is "denied," then supply copies of specific
written disputes as to any billing inaccuracies.
REOUEST FOR ADMISSION NO.7
Defendant failed to arbitrate this manner through either of the nationally recognized arbitration
forums previously agreed upon in the cardholder agreement.
Admitted
Denied
If the answer to the Request for Admissions No.7 is "denied," then supply copies of specific
written disputes as to any billing inaccuracies.
THIS IS AN ATTEMPT TO COLLECT A DEBT AN]) ANY INFORMATION
OBTAINE]) SHALL BE USED FOR THAT PURPOSE.
?~1Zc;L
Benjamin R. Bibler, Esquire
Pa. I.D. #93598
Weltrnan, Weinberg & Reis Co., L.P.A.
2718 Koppers Bldg.
436 Se,venth Avenue
Pittsburgh, P A 15219
(412) 434-7955
WWR: 03860018
CERTIFICATE OF SERVICE
A true and correct copy of Plaintiff's First Request for Production of Documents and
Request for Admissions has been served by U.S. Mail, on the Jlfraay of ~,
2005, upon the following: f
Scott A. Stein, Esquire
3800 Market Street
Camp Hill, PA 17011
<<~~
'Benjamin R. Bibler, Esquire
By:
EXHIBIT
DISCOVER
CARD
$1,854.55
05 SOSN6A01 0001765
BRUCE-ENSOR
1024 TEAKWOOD LN
ENOLA PA 17025-2046
''''''''''....'1''..7'''~...~....
I __W_'" "",,,"". n. . n__ .-.. -..-
enter amount enclosed below .
$C I C\\
Please make crnlck payable to Discover Card.
Minimum payment due includes a past due amount of
$36.00, ()~ 0 l ,.,...., 1".'
v -0 -U \..0 C >__j l c}
FREE Additional Cards for ~our Account W L0
allow you to share your crectit line without -/
sharing your Card. Call1-800-DISCOVER ,
or visit Dlscovercard.comlAdditlonalCardsto (P/+)
learn more.
$74.00
payment due date
February 2, 2001
PO BOX 15251 11I",11",11",,1.1,,1.1.1
WILMINGTON DE 19886-5251
1".111.1"1"1,1.,1"11".1,1".1,1,1,1,,.,11,1.1,,,,111,1,,1
Address or telephone change? Please print change in the spacs above.
or go to Discovercard.com.
000006011002240179119018545500000000007400
.-
,
Discover Card Account Summary
~ccount number
Raymenl due date
minimum payment due
ored/tUm/t
~red;t avaHabJe
aash credit limit
I
cash credit available
~
6011002240179119
February 2, 2001
$74.00
$2,000.00
$145.00
$1,000.00
$145.00
Closing Date: January 5, 2001
page 1 of 3
$1,790.26
0.00
29.00
0.00
0.00
35.29
$1,854.55
previous balance
payments and credits
purchases
cash advances
balance transfers
FINANCE CHARGES
+
+
+
+
new balance
=
You may be able to avoid Periodic Finance Charges. see the
reverse side tor details.
Cashback BonuS@Anniversary Date:
February 5
Cash back Bonus.
AWARD
,
,
I
,
I
,
,
,
Transactions
trans.
date
post
date
,
,
I
,
previous statement balances
,
tran date
Jan 5
post date
Jan 5 LATE FEE
Previous Cashback Bonus Award Balance $
Purchase Award This Period +
Other Awards This Period +
Cashback Bonus Award Total
0.00
0.00
0.00
0.00
FINANCE CHARGES: OLD BALANCE
FINANCE CHARGES: CASH
FINANCE CHARGES: PURCHASES
FINANCE CHARGES: BALANCE TRANSFERS
PRINCIPAL: OLD BALANCE
PRINCIPAL: CASH
f'RINCIPAL: PURCHASES
PRINCIPAL: BALANCE TRANSFERS
$ 0.00
0.00
45.51
0.00
0.00
0.00
1,744.75
0.00
EXHIBIT
29.00
,
,
,
..+......... ATTENTION .............. ATTENTION ............. ATTENTION .............. ATTENTION *".......... ATTENTION
Your account is past due. Please pay the past due amount now, or contact us to make other arrangements.
,
dPEN A DISCOVER MONEY MARKET OR CD ACCOUNT TODA YI Discover Bank gives you: GREA T RA TES -
......___,_.__.... '-,_'- ..,__.. _i.__...__'. ....-n..".T"\I ........__ ............ ,.,,,,,__ ,_ ____._ _ '-__,. .'-_.'_ '-___ ___.._-' ~,___ ..........
DISCOVER
CA.RD
Ie t'..,~..,
DlsceVER
account numbl~r 6011002240179119
Balance Transfers are the perfect solutiQrl
Increase your buying power, save money and pay fewer bills,
Get what you need with Balance Transfers:
Take that dream vacation, redo your bathroom,
cover unexpected expenses - it's up to youl
Transler Balanc.. 3 easy ways:
G Call 1 ,866,240.7939
Save money: Use Discover. Card Balance
Transfers to pay 011 your higher-rote credit cord
accounts. loons and bill..
.!]) ~;:~:~~c:~
~) =:=Tran~r
~ checks illhe mail
Closing Dale: January 5, 200 I
page 2 of 3
Sign up for Discover Inter@ctive(SM) to receive free automatic e.ms,l reminders on your DiscO\'8r(R} Classic Card
Account. You can choose up to four different reminders: statement summary available, payment posted, minimum
payment not feceived or nearing account credit limit. Avoid late or overNmit fees .. Register at o;scovercard.com todayl
,
The holiday season is here and chances are you'll be using your credit and debit cards to purchase those much wanted
gifts. increasing the possibility of losing your cards. Protect yourself from the stress of reportir1!1 them missing by calling
just one number. We'll do alt the rest. Calt 1.800.347.2683 to learn more ebout The Register(flj.
New Discover(R) AccountGuard(SM) cred;' protection puts your Discover Card Account on hold when the unfarseen
hAppens. For mOfe information about this optional protection, call tol/.free, 1.877.883-1959, 8am-8pm, Mon. -Fri., ET.
I
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Daily
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cvrrent billing periOd: 31 days
~~'7/a~L ANNUAL
PERCENTAGE PERCENTAGE
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CARD
DISC.VEI{
I account number 6011002240179119
Balance Transfers are the perfect sol ti n
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~ VIS~ us onli....al
"~ Discoven:cml.cam
a Look for
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checks in the mail
Closing Dale: April 5, :2002
page 2 at 3
At Kennedy Space Genter, you don't have to be an astronaut to explore space. Tour restricted areas, see shuHle launch
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.6".a,..ono
n...;t"
Nominal
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ANNUAL
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CARD
I AP~i'i5. 20'02' I account number 6011002240179119
. page3of3
Cash back Bonus@ Award Summary
Cash back Bonus Anniversary Date: February 5
Previous Cashback Bonus Award Balance
Purchase Award This Period
Cash back Bonus Award Total
Balance
$ 0,00
+ 0.00
0.00
0.00
0.00
$
Cashback Bonus Award Balance
Award Available to Redeem
UI;)\..WV I:K
CARD
$2,040.80
05 SDSN6AOl 000178t
BRUCE ENSOR
1024 TEAKWOOD lN
ENOlA PA 17025-2046
--". -...-- .-.".....-
$39.00
enter amount encfosed below
$[
payment due date
June 4, 2002
PI(lSS9 make check payable to Discover Carel. You
are overlimit. Please pay your minimum paytn6nt plus
$ 40,80.
FREE Additional Cards for y'our Account
allow you to share your creoltline without
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PO BOX 15251 11I11I1111I11,11I1.1,,1.1,1
WILMINGTON DE 19886-5251
1",111,1"1"1,1,,1,,11,,,1,1,,,1,1,1,1..,,11,1.111,,11I,1"I
Address or telephone change? Plesse print change In the space above.
or go to DiscoY8fcard,com.
000006011002240179119020408000000000003900
Discover Card Account Summary
account number
payment due date
minimum payment due
credit/imit
credit available
qash credil /imil
cash credit available
6011002240179119
June 4, 2002
$39.00
$2,000.00
$0.00
$1,000.00
$0.00
-
Closing Dale: May 5, 21~02
page 1 013
$2,065.98
42.00
+ 0.00
+ 0.00
+ 0.00
+ 16.82
== $2,040.80
previous balance
payments and credits
purchases
cash advances
balanca transfers
FINANCE CHARGES
new balance
You may be able to avoid Periodic Finance Charges. see the
reverse side lor details.
Cash back Bonus.
AWARD
,
Transactions
trans. post
date date
previous statement balances
Cashback BonuS@ Anniversary Date: February 5
Previous Cashback Bonus Award Balanoo $
Purchase Award This Period +
Cashback Bonus Award Total
Redemptions This Period
Cashback Bonus Award Balance
Award Available to Redeem $
0.00
000
0.00
0.00
0.00
0.00
FiNANCE CHARGES: OLD BALANCE
FINANCE CHARGES: CASH
FINANCE CHARGES: PURCHASES
... nN8NcE:_GHAflGES:~"'IAI'iC!; T8l1NSfERS.
PRINCIPAL: OLD BALANCE
PRINCIPAL: CASH
PRINCIPAL: PURCHASES
PRINCIPAL: BALANCE TRANSFERS
$ 0.00
0.00
321.23
0.00
0.00
0.00
1,744.75
0.00
Iran dale
May 2
post date
May 2 PAYMENT - THANK YOU
-42.00
VI~"'~V E:K
CARD
DlsceVER
-- -- -. .-.....
account number 6011002240179119
Balance TrODsfers are the perfect $( luti n.
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Transfers to payoff your higher-rote credit card
accounts, loans and bills.
.!}J ~:;~:~::~
~ look for
c; Balance TraruIer
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Closing Date: May 5, 2002
page 2 of 3
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Nominal
A MNIIJJ I
ANNUAL
[ransaction
UI:>\..~V I:K
CARD
I -'--"'0 --'-'
May 5, 2002
I account number 6011002240179119
page 3 of 3
Cash back Bonus@ Award Summary
Cashback Bonus Anniversary Date: February 5
Previous Cashback Bonus Award Balance
Purchase Award This Period
Cashback Bonus Award Total
Cashback Bonus Award Balance
Award Available to Redeem
Balance
$ 0.00
+ 0,00
0.00
0.00
0.00
$
LlI.;)\..\\JV 1:1'(,
CARD
$2,015.99
05 SDSN6AOl 0001782
BRUCE ENSOR
1024 TEAKWOOD LN
ENOL A PA 17025-2046
$39.00
enter amount enclosed below
$1
payment dUB date
July 4, 2002
Please make check payable to Discover Card. You
BrB overlimit Please pay your minimum payment plus
$15.99
FREE Ildditional Cards tor your Account
allow you to share your crealt line without
sharing your Card. CallI-BOO-DISCOVER
or visillJiscovercard.comlAddlt/onaICards to
learn mors.
PO BOX 15251 11I...11...11....1.1..1.1,1
WILMINGTON DE 19886-5251
1",111,1"',,1,',,1,,11,,,1,'..,'.1,'.1....11.1,1....111.1..1
Address or telephone change? Please print change in the space above,
or go to Discovercard.com.
00000b011002240179119020159900000000003900
Discover Card Account Summary
~ccount number
l1ayment due date
minimum payment due
credit limit
credit available
c!,sh credit limit
cash credit avaiiable
6011002240179119
July 4, 2002
$39.00
$2,000.00
$0.00
$1,000.00
$0.00
-
Closing Date: June 5, 2002
page 1 of3
previous balance $2,040.80
payments and credits 42.00
purchases + 0.00
cash advances + 0.00
balance transfers + 0.00
FINANCE CHARGES + 17.19
new balance = $2,015.99
You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
Cashback Bonus.
AWARD
Cashback BonuS@Anniversmy Date: February 5
Previous Cashback Bonus Award Balance $
Purchase Award This Period +
Cashback Bonus Award Total
Redemptions This Period
Cashback Bonus Award Balance
Award Available to Redeem
0.00
0.00
0.00
0.00
0.00
0.00
transactions
$
trans. post
date dste
previous slalemenl balances
Iran dale
Jun3
FINANCE CHARGES: OLD BALANCE
FINANCE CHARGES: CASH
FiNANCE CHARGES: PURCHASES
. FiNANCEC~HARGI;S: BALANCE TRANSFER.S _
PRINCIPAL: OLD BALANCE
PRiNCIPAL: CASH
PRINCIPAL: PURCHASES
PRINCIPAL: BALANCE TRANSFERS
$ 0.00
0.00
296.05
0.00
0.00
0.00
1,744.75
0.00
post date
Jun 3 PAYMENT - THANK YOU
-42.00
UI~\..~V I:K
CARD
DISC.VEIl
I account number 6011002240179119
Balance Transfers are the perfect so/uti n.
Increase your buying power, save money and pay fewer bills.
Get what you need with Balance Transfers:
Take that dream vacation, redo your bathroom,
cover unexpected expenses - it's up to youl
Transfer Balances 3 easy ways:
. Call 1-866-240. 7939
Save money: Use Discover" Card Balance
Tronsfers 10 pay 011 your higher-rate credit card
accounts, loans and bill:;,
.~ V..it us online at
"~ Discovertarcl.cam
~ Look for
,!g Bola... Traufer
checks illhe mad
Closing Dale: June 5, 2002
page 2 at 3
OPEN A NEW DISCOVER CD ACCOUNT TODA YI Discover Bank gives you: GREA T RATES-consistently high week
alter week. SECURITY-Over $20 billion in assels, a bank Ihat's been around since 1911, and FDIC Insurance.
CONVENIENCE-Open an account withoulleaving home, call 1-800-347-7000 or visit Discoverbank.com. Mention code
SC0602P.
Discover(R) Card and AASA congratulate the 2002 National Tribute Award Scholarship winners Caroline Camic, Nancy
Cheng. Blair Hornstine, Kevin Koo, Holly Milender, Hope Montgomery, Amber Morehouse, Loni Schumacher, and Nathan
Skelley. Each won $27,500 (or post high-school education or trainIng. VIsit Discovercard.comltribute.htm to learn more.
ilvQt'"::lno.
n...;I..
Nominal
.41\1I\.I11A'
ANNUAL
n~.:_...I:_
Jr.a_nsaction
UI:)\..C;;V tK
CARD
I j~;~'5. 20'02'
account number 6011002240179119
page 3 of 3
Cash back Bonus @ Award Summary
Cash back Bonus Anniversary Date: February 5
Previous Cashback Bonus Award Balance
Purchase Award This Period
Cashback Bonus Award Total
Cashback Bonus Award Balance
Award Available to Redeem
Balance
$ 0.00
+ 0,00
0.00
0.00
0.00
$
UI:>\..lZ.JV tK
CARD
$1,990.45
05 SDSN6AOl 0001783
BRUCE ENSOR
1024 TEAKWOOD LN
ENOLA PA 17025-2046
$39.00
I enter amount enclosed below
$[
Please m9ke check payable to Discover Card or pay
online@ Discovercard,com.
payment due date
August 4, 2002
FREE Additional Cards for your Account
allow you to share your creait line without
sharing your Card. CallI-BOD-DISCOVER
or visit Discovercard.coml AddltionalCards to
learn more.
PO BOX 1525Jl 11I",11",11..,,1.1,,1.1,1
WILMINGTON lIE 19886-5251
1",111,1"1"1,1"',.1""',1,,,1,1,1,1,,,,11,1,1,,,,111,1,,1
Address or ttllephone change? Please print change in the space above,
or go to Discovercard,com.
000006011002240179119019904500000000003900
Discover Card Account Summary
~ccount number
payment due date
~1inimum payment due
credit limit
credit available
cash credit limit
I
cash credit available
6011002240179119
August 4, 2002
$39.00
$2,000.00
$0.00
$1,000.00
$0.00
-
Closing Date: July 5, 2002
page 1 of 3
$2,015.99
42.00
+ 0.00
+ 0.00
+ 0.00
+ 16.46
= $1,990.45
previous balance
payments and credits
purchases
cash advances
balance transiers
FINANCE CHARGES
new balance
You may be able to avoid Periodic Finance Charges, S99 the
reverse side lor detaiis.
Cashback Bonus.
AWARD
,
Transactions
,
,
trans.
date
post
date
,
previous statement balances
tran date
Jul5
CashbacK BonuS@Anniversary Date: February 5
Previous Cashback Bonus Award Balance $
Purchase Award This Period +
CashbacK Bonus Award Total
Redemptions This Period
Cash back Bonus Award Balance
Award Available to Redeem
0.00
000
0.00
0.00
0.00
0.00
$
FINANCE CHARGES: OLD BALANCE
FINANCE CHARGES: CASH
FINANCE CHARGES: PURCHASES
FINilNGE_CtiARGES:_BillilNQE TR.i\NSFEHS
PRINCiPAL: OLD BALANCE
PRINCIPAL: CASH
PRiNCiPAL: PURCHASES
PRINCIPAL: BALANCE TRANSFERS
$ 0.00
0.00
271.24
0.00
0.00
0.00
1,744.75
0.00
post date
Jui 5 PAYMENT - THANK YOU
-42.00
VI.;J\......, V I:: ~
CARD
DlsceVER
account number 6011002240179119
Balance Transfers are the perfect $( I tion
Increase your buying power, save money' and pay fewer bills.
Get whot you need with Balance Tran.fer.:
Take that dream vacolion, redo your bathroom,
cover unexpected expen.e. - it'. up 10 you I
Tranof.r Balanc.. 3 eo,,! 'Na'f"
G Call 1-866-240.7939
Save money: U.e Discover" Cord Balance
Transfers to payoff yoc'r higher-rate credit cord
accounts, loans and bills.
.~~~::~c:~
~ Look fer
<; Balance Tramfor
<heck> illhe man
Closing Dale: July 5, 2002
page 2 of 3
It's smalt to consolidate your debts with a DISCOVER(R) PERSONAL LOANI Enjoy FIXED RA TES and FIXED
MONTHL Y PA YMENTS. There are NO APPLICATION FEES and NO PREPA YMENT PENAL TY. Apply online at
www.DiscoverPersonaILoans.com.
Visit the ShopCenter(SM) at Discovercard.com to take advantage of online and in storE' shopping olfers. Find olfers for
up to 30% off. Need Back-to-School supplies? Save on everything from textbooks to new fall clothes and shoes with
merchants like Olfice Max, Barnes & Noble, GAP and Shoebuy.com. Over 70 additiomll retailers at Discovercard.com.
No Paymentsl No Late Feesl No Finance Chergesl If you lose your job, sulfer a disat'ility or take an unpaid leave 01
absence from work, Discover!R) AccountGuard(R) frees you from making Discover Card payments. You pay no monthly
payments, fees or finance charges for up to 2 years (up to 3 mos. for leave of absence).. Call1-B77-8B3-1959 now.
A veraae
nAilv
Nominal
ANN/IAI
ANNUAL
n~....:_-"_
"[ransaction
UI:>\..~V tK
CARD
I Yj~~'5~ 2002'
I account 'lUmber 6011002240179119
page 3 of 3
Cash back Bonus @ Award Summary
Cashback Bonus Anniversary Date: February 5
Previous Cashback Bonus Award Balance
Purchase Award This Period
Cashback Bonus Award Total
Cashback Bonus Award Balance
Award Available to Redeem
Balance
$ 0,00
+ 0.00
0.00
0.00
0.00
$
LlI';)\..\liJ V c: K
CARD
$1,965.19
05 SDSN6AOl 0001784
BRUCE ENSOR
1024 TEAKWOOD LN
ENOLA PA 17025-2046
$39.00
sntt)r amount enclosed below
$1
payment due date
September 4, 2002
Please make check payable to Discover Card or pay
online (j} Discovercard.com.
FREE Mditional Cards tor ~our Account
allow you to share your creait line without
sharing your Card. Call1-800-0ISCOVER
or visit lJiscovercard.com/AdditlonaICards to
learn more.
PO BOX 1525,1 IIImllmllm.I,IIII,I,1
WILMINGTON DE 19886-5251
1..."1,'..1,.'.1..'.,1'".'.1...'.'.1.1,".11.1.1....111,1..1
Address or telephone change? Please print change in the space above,
or go 10 Oiscovercard.com.
000006011002240179119019651900000000003900
Discover Card Account Summary
,!ccount number
Myment due date
minimum payment due
credit limit
credit available
cash credit limit
dash credit aval/able
601100224017 9119
September 4, 2002
$39.00
$2,000.00
$0.00
$1,000.00
$0.00
Closing Date: August ,5. 2002
previous balance
payments and credits
purchases
cash advances
balance transfers
FINANCE CHARGES
new balance
-
page 1 of 3
$1,990.45
42.00
+ 0.00
+ 0.00
+ 0.00
+ 16.74
=: $1,965.19
You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
Cashback Bonus.
AWARD
,
Transactions
trans. post
date dato
previous slalomonl balances
Cashback BonuS@ Anniversary Date: February 5
Previous Cashback Bonus Award Balance $
Purchase Award This Period +
Cashback Bonus Award Total
Redemptions This Period
Cashback Bonus Award Balance
Award Available to Redeem $
FINANCE CHARGES: OLD BALANCE
FINANCE CHARGES: CASH
FINANCE CHARGES: PURCHASES
.. . JjNANC!;C.HAF\GES: BALANCE TRANSFERS.
PRINCIPAL: OLD BALANCE
PRINCIPAL: CASH
PRINCIPAL: PURCHASES
PRINCIPAL: BALANCE TRANSFERS
Iran dale
Aug 1
poot date
Aug 1 PAYMENT - THANK YOU
0.00
000
0.00
0.00
0.00
0.00
$ 0.00
0.00
245.70
O.OD
0.00
0.00
1,744.75
0.00
-42.00
UI;)\..\JV I:K
CARD
DI5CeVER
account number 6011002240179119
Balance Transfers are the perfect sol ti n.
Increase your buying power, save money and pay fewer bills.
Get what you need with Bo\cmce Transfers:
Toke that dream vocation, redo your bathroom,
cover unexpected expenses - it's up 10 youl
Transfer Balanees 3 oosy ways:
~ ~ll.866.240.7939
Save money: Use Di!icovero Cord Balance
Transfers to payoff yOUf higher-rote credit cord
accounts, loans and bilis.
.~ ~s~ us online 01
'>~ DlKovercard,cam
~ Labk for
cg, BallllK<l Transfer
d1ecks i11he mad
Closing Date: August 5, 2002
page 2 at 3
D,iscover Bank CO's pay you higher yields...among the nation's highesl...because we donY have the overhead expense of
a branch network. Open a new Discover Bank CD Accounf TOday by visiting www.Oisc<lverbank.comlcard. Mention code
SCOB02P.
Visit the ShopCenter(SM) at Discovercard.com to take advantage of online and in store shopping offers. Find offers for
up to 30% off. Need Back-fa-School supplies? Save on everything from textbooks to new falf clothes and shoes with
merchants like Office Max, Barnes & Noble, GAP and Shoebuy.com. Over 70 addition8,f retalfers at Oiscovercard.com.
Save 10% on any mail-order merchandise from Kennedy Space Center Visitor Complex when you make purchases with
your Discover(R} Card from now until December 31, 2002. Go to www.KennedySpaceGenter.com and click on 'The
Space Shop'link for details. Enter code: DSPACE at check-out or catll-BOO-621-9826 to receive a 10% discount on
your purchase.
Discover(R} Card is once again a proud supporter of this year's Walk to Cure Diabetes. Join Discover Card to raise
money for the Juvenile Diabetes Research Foundation by participating in the Walk or efElct to donate your Discover
Cashback Bonus(R} award to JDRF. To feam more, please visit Discovercard.com or www.jdrf.org.
AVAr,qop'
n~if\1
Nominal
ANNUlll
ANNUAL
n,....:_-""..
rr~~nsactjon
UI;)~YV t.K
CARD
I A~g~~i"5~io02 I account number 6011002240179119
. page' 3 of 3
Cash back Bonus @ Award Summary
Cashback Bonus Anniversary Date: February 5
Previous Cashback Bonus Award Balance
Purchase Award This Period
Cashback Bonus Award Total
Balance
$ 0.00
+ 0,00
0,00
0.00
0.00
$
Cashback Bonus Award Balance
Award Available to Redeem
UI~\..~V I:~
CARD
$1,98t.77
05 SDSN6A01 0001785
BRUCE ENSOR
1024 TEAKWOOD LN
ENOLA PA 17025-2046
$78.00
I enter amounlenclosed below
$[
Please mlike check payable to Discover Card.
Minimum payment dve includes a past due amount of
$99.00,
payment due date
October 4, 2002
FREE Additional Cards for ~our Account
allow you to share your crealt line without
sharlngy,our Card. Call 1-800-DISCOVER
or visit Dlscovercard.com/AddltlonalCards to
learn more.
PO BOX 15251 11I11I1111I11",,1.1,,1.1.1
WILMINGTON liE 19886-5251
1",111,1"1"1,1"1"11,,,1,1,,.1,1,1,1.,.,11,1,1,,,,111,1,,1
Address or telephone change? Please print change;n the space above,
or go to DisCQvercard.com.
000006011002240179119019817700000000007800
Discover Card Account Summary
~ccount number
!Jayment due date
minimum payment due
credit/lmit
credit available
qash credit limit
cash credit available
6011002240179119
October 4, 2002
$78.00
$2,000.00
$0.00
$1,000.00
$0.00
-
Closing Date: Septemb,!r 5, 2002
page 1 of 3
previous balance $1 ,965.19
payments and credits 0.00
purchases + 0.00
cash advances + 0.00
balance transfers + 0.00
FINANCE CHARGES + 16.58
new balance :: $1 ,981.77
You may be able to avoid P."iodic Finance Charges, see the
reverse side for details.
Cash back Bonus.
AWARD
Cashback Bonus@Annlversary Date: February 5
Previous Cashback Bonus Award Balance $
Purchase Award This Period +
Cashback Bonus Award Total
Redemptions This Period
Cash back Bonus Award Ilalance
Award Available to Redeem $
0.00
000
0.00
0.00
0.00
0.00
Transactions
trans. post
date dale
p'revlous statement balances
,
............"
FINANCE CHARGES: OLD BALANCE
FINANCE CHARGES: CASH
FINANCE CHARGES: PURCHASES
FIN8NC!"GHAROES:_S!\IAIIlGE TI'l!\NSFEHS..
PRiNCIPAL: OLD BALANCE
PRINCIPAL: CASH
PRINCIPAL: PURCHASES
PRINCIPAL: BALANCE TRANSFERS
$ 0.00
0.00
220.44
. ..0.00
0.00
0.00
1,744.75
0.00
ATTENTION ............... ATTENTION ............,. ATTENTION II........... ATTENTION ....**** ATTENTION ................
IJ."'....y V ~'"
CARD
DISC.VER
I accaun/number 6011002240179119
Balance Transfers are the perfect solution.
Increase your buying power, save money and pay fewer bills.
Get what you need with Balance Transfers:
Toke that dream vocation. redo your bathroom,
cover unexpected expenses - it's up to you I
Transfer Balances 3 easy ways:
. Call 1.866.240.7939
Saye money: Use D;"cover" Cord Balance
Transfers to payoff your higher,rote credil cord
accounts, loans and bills.
f!}) ~=;:::~~c:.
~) :tn: Tr<mfer
!!J checks in the mail
Closing Date: September 5, 2002
page 2 of 3
Great Balance Transfer Rates! Calf 1-800-767-7339 to find out if a Baiance Transfer rOlle is availab!e for you.
Visit Discavercard.cam beginning October 1st fa, details about our Holiday Shopping Sweepstakes!
<1verage
Dailv
Nominal
ANNUAL
ANNUAL
ParinrU,...
Transaction
eM
UI:)\..UV tK
CARD
~ep-i;;;;b~r-52002 I account number 6011002240179119
, page3of3
Cash back Bonus@ Award Summary
Cashback Bonus Anniversary Date: February 5
Previous Cashback Bonus Award Balance
Purchase Award This Period
Cashback Bonus Award Total
Cash back Bonus Award Balance
Award Available to Redeem
Balance
$ 0.00
+ 0.00
0.00
0.00
0.00
$
UI~\..UV I:K
CARD
$1,997.95
05 SDSN6A01 0001786
BRUCE ENSOR
1024 TEAKWOOD LN
ENOLA PA 17025-2046
$117.00
enter amount enclosed below
$[
payment due date
November 4, 2002
Please make check payable to Discover Card.
Minimum payment due includes a past due amount ot
$78.00.
FREE Acldilional Cards for ~our Account
aJlow you to share your creait line without
sharing your Card. CallI-BOO-DISCOVER
or visit Discovercard.comlAdditionalCards to
learn mOl'e.
PO BOX 1525]l 111",11",11",,1.1,,1.1,1
WILMINGTON DE 19886-5251
'",1",1"'"','"',.1'",','.,,',',',',,,,",',1,,,,1",1,,1
Address or telephone change? Please print change in the space above,
Of go to Discovercard,com,
000006011002240179119019979500000000011700
Discover Card Account Summary
~ccount number
Rayment due date
minimum payment due
credit limit
credit availabie
c,ash credit limit
cash credit available
6011 00224017 9119
November 4, 2002
$117.00
$2,000.00
$0.00
$1,000.00
$0.00
-
Closing Date: October S, 2002
page I of 3
$1,981.77
0.00
0.00
0.00
0.00
16.18
$1,997.95
prev;ous balance
payments and credits
purchases
cash advances
balance transfers
FINANCE CHARGES
new balance
+
+
+
+
=
You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
Cashback Bonus.
AWARD
Cashback Bonus<ll> Anniversary Dale: February 5
Previous Cashback Bonus Award Balance $
Purchase Award This Period +
Cashback Bonus Award Total
Redemptions This Period
Cash back Bonus Award Balance
Award Available to Redeem $
0.00
000
0.00
000
0.00
0.00
transactions
trans. post
date date
previous statement balances
,
..............
FINANCE CHARGES: OLD BALANCE
FINANCE CHARGES: CASH
FINANCE CHARGES: PURCHASES
FINANC/; C_HARGI;S: BALANCE TRANSFERS
PRINCIPAL: OLD BALANCE
PRINCIPAL: CASH
PRINCIPAL: PURCHASES
PRINCIPAL: BALANCE TRANSFERS
$
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
ATTENTION Uh....ot ATTENTION ............. ATTENTION ............. ATTENTION *>>***u ATTENTION ..u..............
UI~\..UV I:K
CARD
DlsceVER
I account number 6011002240179119
Balance Transfers are the perfect solution
Increase your buying power, save money and pay fewer bills.
Get what you need with Balance T ransfe,.:
Take that dream vacation, redo your bathroom,
cover unexpected expenses - it's up 10 youl
Transf.r Balances 3 easy ways:
~ ~11-866-240-7939
Save money: Use Discover" Card Balance
Transfers to payoff your higher,role credit cord
accounts, loons and bills.
f~ ~:;:.::::~
~) ~n: Tr<mfer
fA) checks i1 the mail
Closing Date: October 5, 2002
page 2 of 3
Visit Discovercard.com for details on how to enter our online Holiday Shopping Sweepstakes.
No Paymentsi No Late Feesl No Finance Chargesl It you iose your job, suffer a disabil.ily or lake an unpaid leave 01
absence from work, Discover(R} AccounIGuard(R} frees you from making Discover Card payments. You pay no monthly
payments, fees or linance Charges for up to 2 years (up to 3 mos. torleave of absence). Call 1-877-883,1959 nowl
Discover(R) Card is looking for America's best high schooi juniors for the Tribute Award(l'I) Scholarship Program. If you
know a current high school junior who is an all-around achiever, beyond academics, we want to know them tool To find
out more aboullhe scholarship program, visit our website at Discovercard.com/tribute.htm.
Look for Gourmet Magazine's October Restaurant Issue fealurlng a seleclion of fine rest'luranls now eccepting
Discover(R} Card. On newsstands October I, the issue features restaurants in cities including New York, Chicago, San
Francisco, Los Angeles and Washinglon D. C.
AVf=llr~m;\
n!:liJ"
Nominal
ilNNJlIIJ
ANNUAL
D......:"ril,.
Transaction
~^-
""I~~"""V t:~
CARD
----"':0; --~.....
October 5, 2002
accountnurnber 6011002240179119
page 3 of 3
Cash back Bonus@ Award Summary
Cash back Bonus Anniversary Date: February 5
Previous Cashback Bonus Award Balance
Purchase Award This Period
Cashback Bonus Award Total
Cashback Bonus Award Balance
Award Available to Redeem
Balance
$ 0.00
+ 0.00
0.00
0.00
0,00
$
UI~\..UV t.K
CARD
$2,023.64
05 SDSN6AOl 0001787
BRUCE ENSOR
1024 TEAKWOOD LN
ENOLA PA 17025-2046
~16.00
payment due date
December 4, 2002
1 enter amount enclosed be/ow -
$[
Please m,;Jk8 check payable to Discover Card. You
Bfe over/lmit. Please pay your minimum psym6nt plus
$ 23.64.
FREE Mditlonal Cards for your Account
allow you 10 share your creallllne wllhoul
sharing your Card. Call1-BOO-DISCOVER
or vlslrDlscovercard.comlAddltionalCards to
leam more.
PO BOX 15251 11I".11...11",,1,1,,1,1,1
WILMINGTON liE 19886-5251
1",111,1"1"1,1"1"11",1,1,,,1,1,1,1,,,,11,1,1,,,,111,1,,1
Address or tetephone change? Please print change in the space above,
or go to Dlscovercard.com.
000006011002240179119020236400000000011600
Discover Card Account Summary
.ceount number
payment due dale
/l1inimum payment due
creditlimil
credit available
cash credit limit
,
cash credit available
6011 002240179119
December 4, 2002
$116.00
$2,000.00
$0.00
$1,000.00
$0.00
-
Closing Date: NovembElr 5, 2002
page 1 013
previous balance $1,997.95
paymenls and credils 42.00
purchases + 29.00
cash advances + 0.00
. balance transfers + 0.00
. FINANCE CHARGES + 38.69
new balance = $2,023.64
You may be able to avoid PElriodic Finance Charges, see the
reverse side for details.
Cashback Bonus.
AWARD
Cashback Bonus@Anniversary Date: February 5
Previous Cashback Bonus Award Balance $
Purchase Award This Period +
Cashback Bonus Award T olai
Redemptions This Period
Cashback Bonus Award Balance
Award Available to Redeem
0.00
000
0.00
0.00
0.00
0.00
$
Transactions
,
: trans. post
dale dale
,
previous slatement balances
Iran dale
Octl1
Nov 5
posl dale
Oct 11
Nov 5
PAYMENT-THANK YOU
LATE FEE
-42.00
29.00
FINANCE CHARGES: OLD BALANCE
FINANCE CHARGES: CASH
FINANCE CHARGES: PURCHASES
flNI\NCECHARGES:_BALANCE TRANSfERS..
PRINCIPAL: OLD BALANCE
PRINCIPAL: CASH
PRINCIPAL: PURCHASES
PRINCIPAL: BALANCE TRANSFERS
$
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
LlI~,",YV t:K.
CARD
DISC.VER
account number 6011002240179119
Get what you need with Balance Transfers:
Take !hot dream vacation, redo your bathroom,
cover unexpected expenses - it's up to youl
Transfer Balances 3 easy ways:
~ ~ll.866.240-7939
Save money: Use Dis':over' Card Balonce
Transfers to poy alf your higher,rote credit cord
accounts, loans and bills.
f~~~;:::~;~
~) ::n: Trmsfer
!!J checks in the mail
Closing Dale: November 5, 2002
page 2 of 3
Our records show your current phone number as (717) 732-5967. If this is not correct please update it in the address
change area above.
No Paymentsl No Late Feesl No Finance Chargesl If you lose your job, suller a disabifity or take an unpaid leave 01
absence lrom work, Discover(R) AccountGuard(R) frees you Irom making Discover Card payments. You pay no monthly
payments, fees or finance charges for up to 2 years (up to 3 mos. for leave of absence). Call 1-877-883-1959 nowl
Through the ellorts of our Cardmembers, Discover(R) Card has donated more than $14 million to the Make-A-Wish
Foundation(R). Ycu can make a child's dream come true by eiecting to donate your Cashback Bonus(R) award to the
Make-A-Wish Foundation. To learn how, please visit Discovercard.com or visit www.wish.org.
No matter where you go...Safe Trek is on the road with youl Safe Trek. the Chevron Travel Club's newest auto club plan
oilers nation-wide dispatch towing plus travel discounts that add up to security and savini~sl Pay with your Discover(R)
Card and get 2 months FREEl Call 1-800-222-0585 and reterence #52/1015 for more in/ormation on how to joinl
Averaoe
n~ilv
Nominal
ANNUAl
ANNUAL
0......1...-41'"
Transaction
~--
UI~\..VV I:K
CARD
[N;";,;:;b:r 5-2002 I account number 6011002240179119
, page3of3
Cashback Bonus @ Award Summary
Cashback Bonus Anniversary Date: February 5
Previous Cashback Bonus Award Balance
Purchase Award This Period
Cashback Bonus Award Total
Cash back Bonus Award Balance
Award Available to Redeem
Balance
$ 0.00
+ 0.00
0.00
0.00
0.00
$
UI~\..UV t:K
CARD
$2,077.64
05 SDSN6AOl 00017aa
BRUCE ENSOR
1024 TEAKWOOD LN
ENOLA PA 17025-2046
$116.00
enter amount enclosed below
payment due date
January 4, 2003
$[
Please make check payable to Discover Card. You
are overlimit. Please pay your minimum payment plus
$ 77.64.
FREE Additional Cards tor your Acoount
allow YOLl to share your crealt line without
sharing your Card. Call1-BOO-DISCOVER
or visit Dlscovercard.comJAdditlonalCards to
learn more.
PO BOX 15251l 111",11",11",,1,1,,1,1.1
WILMINGTON DE 19886-5251
1",111,1"1"1,1"1"11",1,1,,,1,1,1,1,,,,11,1,1,,,,111,1,,1
Address or telephone change? Please print change ;n the space above,
or go to DiSCDvercard.com.
000006011002240179119020776400000000011600
Discover Card Account Summary
Efccount number
payment due date
minimum payment due
credit limit
credit avaitable
Cflsh credit limit
eash credit available
6011002240179119
January 4, 2003
$116.00
$2,000.00
$0.00
$1,000.00
$0.00
Closing Date: Decembllr 5, 2002
previous balance
payments and credits
purchases
cash advances
balance translers
FINANCE CHARGES
new balance
page 1 of 3
$2,023.64
42.00
58.00
0.00
0.00
38.00
$2,077.64
+
+
+
+
=
You may be able to avoid P,griodie Finance Charges, see the
reverse side for details.
Cash back Bonus"
AWARD
,
transactions
trans.
dale
,
previous sletemenl balances
posl
dale
Cashback Bonus@ Anniversary Date:
February 5
Previous Cashback Bonus Award Balance $
Purchase Award This Period +
Cashback Bonus Award Total
Redemptions This Period
Cash back Bonus Award Balance
Award Available to Redeem
$
FINANCE CHARGES: OLD BALANCE
FINANCE CHARGES: CASH
FINANCE CHARGES: PURCHASES
. _ FJNANC~J:;HAHGES: BALANCE TRANSFERS
PRiNCIPAL: OLD BALANCE
PRINCIPAL: CASH
PRiNCIPAL: PURCHASES
PRINCIPAL: BALANCE TRANSFERS
Iran dale
Nov14
Dec5
n~~
posl dale
Nov 14
Dec 5
PAYMENT - THANK YOU
LATE FEE
n"", s::.. f"\\JL:Dl 1.~IT eec
0.00
000
0.00
000
0.00
0.00
$
0.00
0.00
0.00
.0.00
0.00
0.00
0.00
0.00
-42.00
29.00
UIO)\..VV Crt
CARD
DISC.VEI{
I account number 6011002240179119
Gel wool you need with Balance Translers:
Take that dream vacation, redo your bathroom,
cover unexpected expenses - it's up to youl
Transfer Balances 3 easy ways:
. Call 1-866.240-7939
Save money: Use Dis<:overe Cord Balance
Transfers to pay olf your higher-rote credit cord
accounts, loons and bills.
'~=:~::~:n
~)~Trnw
fAJ checks i1 the mad
Closing Date: December 5, 2002
page 2 ot 3
.ot,....... ATTENTION ............." ATTENTION u............ ATTENTION ....u...... ATTENTION uu....,. ATTENTION ....................
\l\(e previously requested the past due amount on your account. We have no record of receiving payment. The amount
due should be paid at once.
N,o Paymentsl No Late Feesl No Finance Chargesl If you lose your jab, suffer a disability or take an unpaid leave 01
arsence from work. Discover(R) AccountGuard(R) frees you from making Discover Caref payments. You pay no monthly
payments, fees or finance charges for up to 2 years (up to 3 mos. for leave of absence). Cai/1-877-883-1959 nowl
Through the efforts of our Cardmembers, Discover(R) Card has donated more than $14 million to the Make-A-Wish
Foundation(R). You can make a child's dream come true by electing to donate your Ca"hback Bonus(R) award to the
Make-A-Wish Foundation. To learn how, please visit Discovercard.com or visit www.wish.org.
No maffer where you go...SafeTrek is on the road with youl Safe Trek, the Chevron Travel Club's newest auto club plan
offers nation-wide dispatch towing plus travel discounts that add up to security and savingsl Pay with your Dlscover(R)
Card and get 2 months FREEl Call 1-800-222-0585 and reference #S211 DIS for more information on how to joinl
AVerR(lA
n:::aitv
Nominal
J1NNI'4'
ANNUAL
D....,;....A;,.,
Transaction
C.._
UI,:)\,.,VV t:K
CARD
I De~;;~b;" 5-2ij02 I account number 6011002240179119
, pagl3 3 of 3
Cash back Bonus@ Award Summary
Cashback Bonus Anniversary Date: February 5
Previous Cashback Bonus Award Balance
Purchase Award This Period
Cashback Bonus Award Total
Balance
$ 0.00
+ 0.00
0.00
0.00
0.00
$
Cashback Bonus Award Balance
Award Available to Redeem
VI.;J\.. \J V I: 1\
CARD
$2,052.89
05 SDSN6AOl 0001789
BRUCE ENSOR
1024 TEAKWOOD LN
ENOLA PA 17025-2046
$116.00
! enter amount enclosed below
$[
payment due date
February 4, 2003
Please make check payable to Discover Card. You
are overlimit. Please pay your minimum payment plus
$ 52.89.
FREE Additional Cards for your Account
allow you to share your creait line without
sharing_your Card. CallI-BOO-DISCOVER
or visit Dlscovercard.comlAddltionalCards to
learn more.
PO BOX 15251 11I11I1111I11",,1,1,,1,1,1
WILMINGTON IJE 19886-5251
1",11',1"1"',1"1"111,,,1,1,,,',1,1,1,,,,11,1,1,,,,111,'1,1
Address or telephone change? Pleas8 print change in the space above,
or go to Discovercard,com.
000006011002240179119020528900000000011600
Discover Card Account Summary
account number
payment due date
minimum payment due
credit/imlt
credit avaiiable
qash credit limit
cash credit available
6011 002240179119
February 4, 2003
$116.00
$2,000.00
$0.00
$1,000.00
$0.00
-
Closing Date: January 5, 2003
previous balance
payments and credits
purChases
cash advances
balance transfers
FINANCE CHARGES
new balance
page 1 of 3
$2,077.64
42.00
+ 0.00
+ 0.00
+ 0.00
+ 17.25
= $2,052.89
You may be able to avoid P,.,iodic Finance Charges, see the
reverse side for details.
Cashback Bonus.
AWARD
,
Transactions
trans. post
dale dale
previous slatemenl bslances
Iran dale
Dec 12
Cashback BonuS@AnnlversalY Date: February 5
Previous Cashback Bonus Award Balance $
Purchase Award This Period +
Cashback Bvnus Award Total
Redemptions This Period
Cashback Bonus Award IBalance
Award Available to Redeem
0.00
000
0.00
0.00
0.00
0.00
$
FINANCE CHARGES: OLD BALANCE
FINANCE CHARGES: CASH
FINANCE CHARGES: PURCHASES
fJN8NCE_CHI\HGES~6ALMlCE TRANSFERS._
PRINCIPAL: OLD BALANCE
PRINCIPAL: CASH
PRINCIPAL: PURCHASES
PRiNCIPAL: BALANCE TRANSFERS
$
0.00
0.00
0.00
__0.00
0.00
0.00
0.00
0.00
pOSI dale
Dee 12 PAYMENT-THANKYOU
-42.00
IJI;;)\..~V I:K
CARD
DlsceVER
account number 6011002240179119
Balance TrQnsfers are the perfect sd ti n
Increase your buying power, save money (lnd pay fewer bills.
Get what you need with Balance Transfers:
Take that dream vocation, redo your bathroom,
cover unexpected expenses - it's up to you I
Transfer Balances 3 easy ways:
~ ~11-866-240-7939
Save money: Use Discover" Card Balance
Transfers to payoff your nigher'rale credit cord
accounts, loons and bills"
f~ ~sit us online 01
-._'~ DlSCoven:ard,cam
~ Look for
r;;g Balance Trarufer
checks in the moil
Closing Dale: January 5, 2003
page 2 of 3
No Payments! No Late Fees! No Finance Charges! If you iose your job, sutfer a disability or take an unpaid leave of
absence from work, Discover(R) AccountGuard(R) frees you from making Discover Carel payments. You pay no monthly
payments, fees or finance charges for up to 2 years (up to 3 mos. for/eave of absence). Call f-877-883-1959 nowl
T/Jrough the efforts of our Cardmembers, Discover(R) Card has donated more than $14 million to the Make-A-Wish
Foundation(R). You can make a child's dream come true by electing to donate your Cashback Bonus(R) award to the
Make-A-Wish Foundation. To learn how, please visit Discovercard.com or visit www.wish.org.
No malter where you go...SafeTrek is on the road with youl Safe Trek. the Chevron Trav,.! Club's newest auto club plan
offers nation-wide dispatch towing plus travel discounts that add up to security and savin:7s! Pay with your Discover(R)
Card and get 2 months FREEl CaJII-800-222-0585 and reference #S2t t DIS for more information on how to joinJ
Averaae
n::.i{v
Nominal
ANNUAl
ANNUAL
D",,.;,,,,ril,,,
Transaction
<eM
LJI~\..VV I:K
CARD
I J;~~-;;;Y"5~20-03 I accovntnumber 6011002240179119
page 3 of 3
Cashback Bonus @ Award Summary
Cashback Bonus Anniversary Date: February 5
Previous Cashback Bonus Award Balance
Purchase Award This Period
Cashback Bonus Award Total
Balance
$ 0.00
+ 0.00
0.00
0.00
0.00
$
Cashback Bonus Award Balance
Award Available to Redeem
UI~\..~V I:K
CARD
$2,027.96
05 SDSN6AOl 0001790
BRUCE ENSOR
1024 TEAKWOOD LN
ENOLA PA 17025-2046
$116.00
enter amount enclosed below
$[
payment due date
March 4, 2003
Please make check payable to Discover Card. You afe
overlimil. Pay the sum of the monthly minimum
payment plus the oV6rlimit amount of $ 27.96.
FREE Additional Cards for y'our Account
allow you to share your creOit line without
sharing_your Card. CaUl-800-DISCOVER
or visit Discovercard.com/AddllionaiCards 10
learn more.
PO BOX 15251 1I111l1l1ll1l""I.I"I,I,1
WILMINGTON DE 19886-5251
1,..111.1..1..1.'..1..11...1.1...1.1.1.1....11.1.1....111.1..1
AddrBSS or telephone change? Please print change in the space above,
or go fo Discovercard.com.
000006011002240179119020279600000000011600
Discover Card Account Summary
~ccaunt number
l1ayment due date
minimum payment due
credit limit
credit available
cash credit limit
dash credit available
6011002240179119
March 4, 2003
$116.00
$2,000.00
$0.00
$1,000.00
$0.00
-
Closing Date: February 5, 2003
page 1 of3
previous balance $2,052.89
payments and credits 42.00
purchases + 0.00
cash advances + 0.00
balance transfers + 0.00
FINANCE CHARGES + 17.07
new balance == $2,027.96
You may be able to avoid P,,,iodic Finance Charges, see the
reverse side for details.
Cash back Bonus.
AWARD
Cashback Bonus@AnnlversalY Date: February 5
Previous Cashback Bonus Award Balance $
Purchase Award This Period +
Cashback Bonus Award Total
Redemptions This Period
Cashback Bonus Award Balance
Award Available to Redeem
0.00
0.00
0.00
0.00
0.00
0.00
$
1;ransactions
trans. post
date date
preVious statement balances
tran date
Jan14
FINANCE CHARGES: OLD BALANCE
FINANCE CHARGES: CASH
FINANCE CHARGES: PURCHASES
FINANCE CHARGI;:S: BALANCI;: TFlAN8FERS
PRINCIPAL: OLD BALANCE
PRINCIPAL: CASH
PRINCIPAL: PURCHASES
PRINCIPAL: BALANCE TRANSFERS
$
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
post date
Jan 14 PAYMENT - THANK YOU
-42.00
DISCOVER
CARD
",.".to
DISCevER
I BFIUCE ENSOR
account number 6011002240179119
Balance Transfers are the perfect solution.
Increase your buying power, save money and pay fewer bills.
Gel whet you need with Balance Transfers:
Take that dream vacation, redo your bothroom,
cover unexpected expenses - Ws up to youl
Transfer Balanc.. 3 easy ~:
~ ~ll.866.240.7939
Save money: Use Discover" Cord Bolance
Tronsfers to poy off your higher...ote credit card
accounts, loons and billls.
~ V:lSit us online at
~ Discavercarcl.cam
~)~~Tr<lWer
f!!/ checks .. the mo.
Closing Date: February 5, 2003
page 2 of 3
Ask for Additional Cards so the people close to you can share the benefits of your Discllver(R) Card Account. Call to get
your FREE Cards today: I-BOG-DISCOVER.
Fact: EveI}' 79 seconds a thief steals someone's identity (CBSnews.com, 1/25/2001). Enroll in ProfileProtect(R), and we
will send you a copy of your credit profile. monitor your credit file for changes every business day, and send you Quarterly
Credit Updates - tools to help protect yourself from identity theft. Call 1-877-623-8011 10 enroll.
The Discover(R) Card Account Center makes your life easy. You can pay your bill, view your statement, sign up for
e-mail newsleffersandAccountreminders--allthlsforfreeILogintotheAccountCent....at Discovercard.com and enjoy
the benefits ot easy access to your Account...anytimel
Discover(R) Card is a proud partner of Communities In Schools (CIS), the nlltion's leading community-based organization
that helps kids succeed in school and prepare for life. Through the efforts of our Cardm.mbers, CIS has made a
difference in the lives of young people. To donate your Cashback Bonus(R) award to CIS, please visit Discovercard.com.
SA VE WITH CHOICE HOTELS(R) AND DISCOVER(R) CARD. Save 15% at up to 3,300 hotels In the U.S., including
Comfort Inn(R), Comfort Sui/es(R), Qualily(R), Sleep Inn(R), Clarion(R), Econo Lodge(R), MalnStey Sui/es(R) or
Rodeway Inn(R). Restrictions apply. Call800.4CHOICEsm for details and quote discount cede #00801772 to save
today.
-1 verage
Dailv
Nominal
ANNUAL
ANNUAL
P&)rinrlil'"
Transaction
,,"00
DISCOVER'
CARD
! Closing Date: 'BRUCE EN30R
I February 5 2003 I account number 6011002240179119
, page3of3
Cashback Bonus @ Award Summary
Gashback Bonus Anniversary Date: February 5
Previous Gashback Bonus Award Balance
Purchase Award This Period
Gashback Bonus Award Total
Cashback Bonus Award Balance
Award Available to Redeem
Balance
$ 0.00
+ 0,00
0.00
0.00
0.00
$
DISCOVER
CARD
new balance
$2,OOl.la
05 SDSN6A01 0001791
BRUCE ENSOR
1024 TEAKWOOD LN
ENOLA PA 17025-2046
minimum payment due
$116.00
account number 601100224017 9119
enter amount enclosed below
paymemt due date
April 4,2003
$[
Please make check payable to Discover Card. You arB
averlimii. Pay the sum of the monthly minimum
paym9nt plus the overlimit amount of $ f. f 8.
FREE Additional Cards for your Account
allow you to share your cretlit line wilhoUI
sharing j'our Card. Call1.aOO.DISCOVER
or visit Discovercard.com/AdditionalCards 10
learn more.
PO BOX 15251 11I11I1111I11....1.1,,1.1.1
WILMINGTON DE 19886-5251
1".111.1.,1.,1,1"1.,11",1,1,,,',1,1,1,,"11.1.111..111.1..1
Address or telephone change? Please print change in the space above,
or go to Discovercard.com.
000006011002240179119020011&00000000011600
Discover Card Account Summary
qccount number
payment due date
minimum payment due
eredltlimit
credit available
cash credit limit
,
cash credit available
6011 00224017 9119
Aprii 4, 2003
$116.00
$2,000.00
$0.00
$1,000.00
$0.00
-
Closing Date: March 5, 2003
page I ot 3
previous balance $2,027.96
payments and credits 42.00
purchases + 0.00
cash advances + 0.00
balance transfers + 0.00
FINANCE CHARGES + 15.22
new balance = $2,001.18
You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
Cashback Bonus.
AWARD
Cashback BonuS@Anniversary Dale: February 5
Previous Cashback Bonus Award Balance $
Purchase Award This Period +
Cashback Bonus Award Total
Redemptions This Period
Cashback Bonus Award B,alance
Award Available to Redeem $
0.00
000
0.00
0.00
0.00
0.00
Transactions
trans. post
date date
,
previous statement balances
FINANCE CHARGES: OLD BALANCE
FINANCE CHARGES: CASH
FINANCE CHARGES: PURCHASES
_ FJN"'i'JCE.cHARGES:J~ALAI'iCE TR~NSFEBS.
PRINCIPAL: OLD BALANCE
PRINCIPAL: CASH
PRINCIPAL: PURCHASES
PRINCIPAL: BALANCE TRANSFERS
$
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Iran date
Feb 13
posl date
Feb 13 PAYMENT. THANK YOU
-42.00
DISCOVER"
CARD
It pays to
DISCeVER
BRUCE ENSOR
account nur,1ber 6011002240179119
Balance Transfers are the perfect solution.
Increase your buying power, save money .Jnd 1X1Y fewer bills.
Get what you need with Balance Transfers:
Tale that dream vacation, redo your bathroom,
cover unexpected expense. - it's up to you I
Transfer Balances 3 eo,,! ways:
. Call 1.866.240.7939
Save money: Use Di.eover. Card Balance
1ran.fers to poy off your higher-rate credit cord
occounts, loans ond bill..
t~~.:~:::~.:.
~) ~n: T""Met
'ijlJ checks in the mea
Closing Date: March 5, 2003
page 2 ot 3
Optional Discover(R) AccountGuard(R) gives you the ability to put your minimum Account payments on hold in the event
of job loss, disabHity, or teave of absence from work. You pay no monthly payments, fees or finance charges for up to 2
years (up to 3 mos. for leave of absence). For details and to enroll, see the flap on your payment envelope.
Simplify and save with three easy ways to transfer balances to your Discover Card. Cal/I-866-240-7939 to see if an olfer
is available for you, go to Discovercard.com, or look for balance transfer checks in the mi2i1.
As a Discover(R) Cardmember, you can get cash quickly and easily -- just about anytime, anywhere. To find the nearest
cash loeations, select your PIN or order Discover Card checks, call1-800-DlSCOVER (1.800-347-2683). And don't
forget to visit our websile al Discovercard.com to search for cash locations nearest you.
-1 verage
Dailv
Nominal
ANNUAL
ANNUAL
Perinrlir::
Transaction
FRt:!
DISCOVER
CARD
Closing Date:
March 5, 2003
BRUCE ENSOR
a,~count number 6011002240179119
page 3 of 3
Cashback Bonus @ Award Summary
Cashback Bonus Anniversary Date: February 5
Previous Cash back Bonus Award Balance
Purchase Award This Period
Cashback Bonus Award Total
Cashback Bonus Award Balance
Award Available to Redeem
Balance
$ 0.00
+ 0.00
0,00
0.00
0.00
$
DISCOVER"
CARD
new balance
$1,975.80
05 SDSN6AOl 0001792
BRUCE ENSOR
1024 TEAKWOOD LN
ENOLA PA 17025-2046
minimum payment due i
$42.00
account number 6011 0022 4017 9119
enter amount enclosed below
payment due dare
May 4, 2003
$[
Please m,Jke check payable to Discover Card Of pay
online @ Discovercard.com.
FREE Additional Cards for your Account
allow you to share your credit line without
sharin9 your Card. CallI-BOO-DISCOVER
or visit Di.scavercard.com/AdditionaICards to
learn more.
PO BOX 15251 11I..,11...1111I.1,1..1,1,1
WILMINGTON DE 19886-5251
I".I/',I"',.','"'"I.!",',',.,',',','.",",',',,,,"',',,1
Address or telephone change? Please print change in the space above,
or go to Discovercard.com.
000006011002240179119019758000000000004200
Discover Card Account Summary
account number
payment due date
minimum payment due
credit limit
credit available
c,ash credit limit
cash credit available
6011002240179119
May 4, 2003
$42.00
$2,000.00
$0.00
$1,000.00
$0.00
-
Closing Date: April 5, 2003
page 1 of 3
previous balance $2,001.18
payments and credits 42.00
purchases + 0.00
cash advances + 0.00
balance translers + 0.00
FINANCE CHARGES + 16.62
new balance = $1,975.80
You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
Cash back Bonus.
AWARD
Cashback Bonus@Anniversary Date:
February 5
Previous Cashback Bonus Award Balance $
Purchase Award This Period +
Cashback Bonus Award Total
Redemptions This Period
Cash back Bonus Award 8:alance
Award Available to Redeem $
0.00
000
0.00
000
0.00
0.00
Transactions
trans. post
date date
ptevious statement balances
FINANCE CHARGES: OLD BALANCE
FiNANCE CHARGES: CASH
FINANCE CHARGES: PURCHASES
. _ _ FJ~A~g"'_CJil\i'1G"'S: BAI,I\,.,C;; TRANSFEHs _ .
PRINCIPAL: OLD BALANCE
PRINCIPAL: CASH
PRINCIPAL: PURCHASES
PRINCIPAL: BALANCE TRANSFERS
tran date
Mar 13
$
0.00
0.00
0.00
_0.00
0.00
0.00
0.00
0.00
post date
Mar 13 PAYMENT - THANK YOU
-42.00
DISCOVER'
CAR[,
Itpa)'llo
DISCevER
BRUCE ENSOR
account number 6011002240179119
Balance TrQIlsfers are the perfect sol uti n.
Increase your buying power, save money and pay fewer bills,
Gel whol you need with Balance Transfer.:
Take that dream vocation, redo your bathroom,
cover unexpected expenses - it's up to youl
Transler Bala",es 3 easy ways:
. Call 1-866.240-7939
Save money: Use Di"cover. Card Balance
Transfers 10 payoff your higher.rote credit cord
accounts, loons and bills.
.~~~:n
a~T~
~ checks in the mail
Closing Date: April 5, 2003
page 2 of 3
No Paymentsl No Late Feesl No Finance Chargesl If you lose your job, sulfer a disability or take an unpaid leave of
absence from work. Discover(R) AccountGuard(R) frees you from making Discover(R) Card payments. You pay no
monthly peyments, fees or finance charges for up to 2 years (up to 3 mos. for leave of absence). Call 1-877-883-1959
nowl
Fact: Every 79 seconds a thief steals someone's identity (CBSnews.com, 1/25/2001). Enroll in ProfileProtect(R), and we
wHl send you a copy of your credit profile, monitor your credit file lor changes every business day, and seOO you Quarterly
Credit Updates -- tools 10 heip protect yourself from identity theft. Call 1-877-623-8011 tl> enroll.
Find great discounts of up to 20% in ShopCenter at Discovercard.com. Whether shopping for yourself or for a special
occasion. you will find offers from over 75 merchants such as Gap, J Crew, Smartbargains.com, FrO. COM,
Barnes&Nobie.com and Sharper Image.
Save over 50% on Samsonite Luggage Sets from the manufacturer. Upgrade your luggage at these great pricesl To
order logon to www.samsonitecompanystores.com/pertner and enter promo code 7455 or call 800-547.BAGS, Ex!.
7455. Save 15% on all other luggage and travel accessories online. See website for det'9i1s.
Average
Dailv
Nominal
ANNUAL
ANNUAL
PArinrlir.
Transaction
"pp
DISCOVER
CARD
Closing Date:
April 5, 2003
! BRUCE ENSOR
OIccount number 6011002240179119
page 3 of 3
Cash back Bonus @ Award Summary
Cash back Bonus Anniversary Date: February 5
Previous Cashback Bonus Award Balance
Purchase Award This Period
Cashback Bonus Award Total
Balance
$ 0.00
+ 0.00
0.00
0.00
0.00
$
Cashback Bonus Award Balance
Award Available to Redeem
DISCOVER'
CARD
new balance
$1,949.65
05 SDSN6AOl 0001793
BRUCE ENSOR
1024 TEAKWOOD LN
ENOlA PA 17025-2046
minimum payment due
$42.00
.'''Dunt number 6011 0022 4017 9119
enter amount enclosed below
payment due date
June 4, 2003
$1
Please' make check payable to Discover Card or pay
online@Discovercsrd.com.
FREE Add',tional Cards for ~our Account
allow you to share your creait line without
sharingyour Card. Call1-8QO-DISCOVER
or visit Discovercard.com/AdditionalCards to
learn more.
PO BOX 15251 11I...11...11....1.1..1,1,1
WILMINGTON DE 19886-5251
1,.,11I,'"1"',1,,1.,11,,,',',"1.'.1,1,,,,11,1.1..,,111,1.,1
Address or telephone change? Please print change in the space above,
or go to Discovercard.com.
000006011002240179119019496500000000004200
Discover Card Account Summary
account number
payment due date
minimum payment due
credit limit
credit available
cash credit limit
cash credit available
6011002240179119
June 4, 2003
$42.00
$2,000.00
$0.00
$1,000.00
$0.00
-
Closing Date: May 5, ~!003
page 1 013
previous balance $1,975.80
payments and credits 42.00
purchases + 0.00
cash advances + 0.00
balance transfers + 0.00
FINANCE CHARGES + 15.85
new balance = $1,949.65
You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
Cash back Bonus.
AWARD
Transactions
Cashback Bonus<ll> Anniversa,y Date: February 5
Previous Cashback Bonus Award Balance $
Purchase Award This Period +
Cashback Bonus Award Total
Redemptions This Period
Cashback Bonus Award I~alance
Award Avaliable to Redeem
0.00
000
0.00
0.00
0.00
0.00
$
trans. post
date date
preVious statement balances
Iran date
Apr 11
FINANCE CHARGES: OLD BALANCE
FINANCE CHARGES: CASH
FiNANCE CHARGES: PURCHASES
FiNi\NCECHARGES~6I\LA!IlCE TBt.NSFaRS~
PRiNCiPAL: OLD BALANCE
PRiNCIPAL: CASH
PRINCIPAL: PURCHASES
PRINCIPAL: BALANCE TRANSFERS
$
0.00
0.00
0.00
0_00
0.00
0.00
0.00
0.00
posl dale
Apr 11 PAYMENT-THANKYOU
-42.00
DISCC'VER
CARD
It PCl)'f to
DISCeVER:
ElRUCE ENSOR
Bccount number 6011002240179119
Balance TrQnsfers are the perfect solution.
Increase your buying power, save money and pay fewer bills.
Get what you need with Balance Transfe,,:
Take thaI dream vacation, redo your bathroom,
cover unexpected expenses - it's up to youl
Tra..../er Balances 3 easy ways:
. Call1.B66.240.7939
Save maney: Use Discover" Card Balance
Transfers to payoff your higher-rote credit cord
accounts, locns and bills.
f~~;::~:n
~)~n:\msfer
~ checks WI !he maa
Closing Dale: May 5, 2003
page 2 ot 3
No Paymentsl No Late Feesl No Finance Chargesl It you Jose your job, suffer a disability or take an unpaid leave at
absence from work, Discover(R) AccountGuard(R) frees you from making Discover(R) Card payments. You pay no
monthly payments, fees or finance charges for up to 2 years (up to 3 mos. for leave of absence). Ca//I-877-B83-1959
nowl
Simplify and save with three easy ways to transfer balances to your Discover Card. CBI/I-866-24o-7939 to see if an offer
is available for you, go to Discovercard.com, or look for Balance Transfer checks in the mail.
As a Discover Classlc(R) Cardmember, you can get cash quickly and easily-just about anytime, anywhere. To find the
nearest cash locations, select your PIN. or to order Discover Card checks, call I-BOO-DiSCOVER (1-800-347-2683). And
don't forget to visil our website at Discovercard.com, where you can also search for cash locations nearest to you.
1Vf~rage
Dailv
Nominal
ANNUAL
ANNUAL
Pori...."";'"
Transaction
C'__
DISCOVER
CARD
Closing Date:
May 5, 2003
BRUCE ENSOR
account number 6011002240179119
page, 3 of 3
Cash back Bonus@ Award Summary
Cashback Bonus Anniversary Date: February 5
Previous Cashback Bonus Award Balance
Purchase Award This Period
Cashback Bonus Award Total
Cashback Bonus Award Balance
Award Available to Redeem
Balance
$ 0.00
+ 0.00
0.00
0.00
0.00
$
DISCOVER
CARD
new balance
$1,923.84
05 SDSN6A01 0001794
BRUCE ENSOR
1024 TEAKWOOD LN
ENOLA PA 17025-2046
minimum payment due
$42.00
,ceount number 6011 0022 4017 9119
enter amount enclosed below
$1
payment due date
July 4, 2003
Pleas'a make check payable to Discover Card or pay
onlinE'@ Discovercard.com.
FREE, Additional Cards for your Account
allow you to share your crealt line without
sharinRyour Card. CallI-BOO-DISCOVER
or visit Discovercard.com/AdditionalCards to
learn more.
PO BOX 15251 111..,11...11....1.1..1,1,1
WILMINGTON DE 1'l886-5251
1...111.'..1..1.1,.,1..11...'.'...1,'.'.1...,11.1.',,,,11',1,,1
Address or telephone cha.nge? Please print change in the spaC9 above,
or go to Discovercard.com.
000006011002240179119019238400000000004200
Discover Card Account Summary Closing Date: June 5, 2003 page 1 013
previous balance $1,949.65
account number 601 t 002240179119 payments and credits 42.00
Rayment due date July 4, 2003 purchases + 0.00
minimum payment due $42.00 cash adva.nces + 0.00
credit limit $2,000.00
credit available $0.00 balance transfers + 0.00
c!,sh credit limit $1,000.00 FINANCE CHARGES + 16.19
cash credit available $0.00 new balance = $1,923.84
You may be able to avoid Periodic Finance Charges, see the
reverse side tor details.
Cash back Bonus.
AWARD
Cashback Bonus@> Anniversary Date: February 5
Previous Cashback Bonus Award Balance $
Purchase Award This Period +
Cashback Bonus Award Total
Redemptions This Period
Cashback Bonus Award Balance
Award Availabie to Redeem $
0.00
000
0.00
0.00
0.00
0.00
Transactions
Irans. poal
dale dale
previous slatement balances
,
Iran dale
May 13
FiNANCE CHARGES: OLD BALANCE
FINANCE CHARGES: CASH
FINANCE CHARGES: PURCHASES
. FINANCE CHAHGES: BAi"ANCE TRANSFERS .
PRINCIPAL: OLD BALANCE
PRINCIPAL: CASH
PRINCIPAL: PURCHASES
PRINCIPAL: BALANCE TRANSFERS
$
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
pOSI dete
May 13 PAYMENT-THANKYOU
-42.00
DISCOVER
CARC'
.,..,....
DISCevER'
BRUCE ENSOR
account number 6011002240179119
Balance Tronsfers are the perfect soluti n.
Increase your buying power, save money and pay fewer bills.
Get what you need with Balance Transfer.:
Take that dream vacation, redo your bathroom,
caver unexpected expenoe$ - it'. up 10 youl
Transfer Balances 3 easy ways:
~ CdI1.866-240.7939
Save money: U.e Di"cover. Card Balance
Tran.fers to pay olf your higher-rote credit card
accounts, loons c:md bills.
f~~:=~~':~
a ~~ TrClUfer
~ theda in !he ma"
Closing Date: June 5, 2003
page 2 oj 3
Simplify and save with three easy ways to transfer balances to your Discover Card. CaJII-866-24D-793910 see if an offer
is available for you; go to Discovercard.com; or look for Balance Transfer checks in the mail.
Congratulations to the National Discover(R) Card Tribute Award(R) Scholarship winners: Kevin Frasure, Jenny-Kate
Lyon. Jeffrey Sun, Christina Adkison, Benjamin Lee, Jonathan-James Eno, Amanda ImLlen, Caitlin G'Sell and Brittany
Olson. Each won $27,500 for post high-school education or training. Visit Discovercard.comllribute.htm 10 learn more.
For those Cardmembers who participate in the Cashback Bonus(R) Program, get a 7% Cashback Bonus Award at
Barnes & Noble.com when you use your Discover(R) Card. Simply visit ShopCenter(SIYV at Discovercard.com. then click
on the Barnes & Noble.com logO for details of the program.
~ verage
Dailv
Nominal
ANNUAL
ANNUAL
PArlor/ir:
Transaction
"00
DISCOVER
CARD
Closing Date:
June 5, 2003
I3RUCE ENSOR
account number 6011002240179119
page 3 of 3
Cash back Bonus @ Award Summary
Cashback Bonus Anniversary Date: February 5
Previous Cashback Bonus Award Balance
Purchase Award This Period
Cashback Bonus Award Total
Cashback Bonus Award Balance
Award Available to Redeem
Balance
$ 0.00
+ 0.00
0.00
0.00
0.00
$
DISCOVER
CARD
new balance
$1,897.27
05 SOSN6AOl 0001795
BRUCE ENSOR
1024 TEAKWOOD LN
ENOLA PA 17025-2046
minimum payment due
$42.00
account number 6011 00224017 9119
enter amount enclosed below
payment due date
August 4, 2003
$[
Please mi~ke check payable to Discover Card or pay
online@Discovercard.com,
FREE Additional Cards for your Account
allow you to share your creait line without
sharing your Card. Call1-800-DISCOVER
or visit Discovercard.comlAdditionalCards \0
learn more.
PO BOX 15251 11I",11",11",,1,1,,1,1,1
WILMINGTON DE 19886-5251
1",11',1"""".,'"'1".',1."1,',1"'1,,1',1,',,,,1",1,,1
Address or telephone change? Please print change in the space above,
or go to Discov8rcard.com.
000006011002240179119018972700000000004200
Discover Card Account Summary
account number
payment due date
minimum payment due
credit limit
credit available
oash credit limit
~ash oredit available
6011 002240179119
August 4, 2003
$42.00
$2,000.00
$0.00
$1,000.00
$0.00
-
Closing Date: July 5, 2003
page 1 cf 3
previous balance
payments and credits
purohases
cash advances
balance transfers
FINANCE CHARGES
new balance
+
+
+
+
$1,923.84
42.00
0.00
0.00
0.00
15.43
$1,897.27
=
You may be abie to avoid Periodic Finance Charges, see the
reverse side for details.
Cash back Bonus.
AWARD
Transactions
,
trans. post
date date
previous statement balances
tran date
Jun 11
Cashback BonuS@ Anniversa~1 Date:
February 5
. Previous Cashback Bonus AWilrd Balance $
Purchase Award This Period +
Cashback Bonus Award Total
Redemptions This Period
Cashback Bonus Award Balance
Award Available to Redeem
0.00
000
0.00
0.00
0.00
0.00
$
FINANCE CHARGES: OLD BALANCE
FINANCE CHARGES: CASH
FINANCE CHARGES: PURCHASES
FJN,o,NCE_CHARGES:BAlANCE TRANSfERS
PRINCIPAL: OLD BALANCE
PRINCIPAL: CASH
PRINCIPAL: PURCHASES
PRINCIPAL: BALANCE TRANSFERS
$
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
post date
Jun 11 PAYMENT - THANK YOU
-42.00
DISCOVER
CARD
"_to
DISCeVER
BRUCE ENSOR
account number 6011002240179119
Balance Transfers are the perfect sol tion.
Increase your buying power, save money and pay fewer bills.
Get what you need with Balance Tran$fer$:
Teke thet dream vacation, redo your bathroom,
cover unexpected expen$es - iI's up to youl
Transfer Balances 3 eoI)' ways:
~ ~ll.866-240.7939
Save money: the Discover~ Card Balance
lron$fer$ to poy off your higher-rote credit card
accounts, loans and bill:;.
~ v..~ us online at
"~ Dinovercan!.com
~ :*~T.-fer
~ checks in the ma~
Closing Date: July 5, :1003
page 2 of 3
As a DiscoverlR) Cardmember, you can get cash quickly and easily -- just about anytim9, anywhere. To find the nearest
cash locations. select your P.I.N., or to order Discover Card Convenience Checks, call t-BOO-DISCOVER
(t -800-347-2683). And don't lorget to visit us at Discovercard.com where you can also ,;earch lor cash locations nearest
you.
MOVE to a DISCOVER CD lor certainty in a time of market instability! Discover Bank offers SAFETY -- FDIC Insurance,
SECURITY -- billions of dollars in assets, and STABILITY -- in business since 1911. Choose from a variety of CD terms
and balance tiers -- higher deposits earn higher yields. Visit DiscoverBank.com or call 1..800-347-7000. (SC0703P)
Come visit and get to know Waf-Mart Mexico's wide range of stores & restaurants in mor,9 than 600 locations aI! over the
country and be sure to use your DiscoverlR) Card. Locations include: Wal-Mart Superc"nter, Bodega Aurrera,
Superama, Sam's Club. Suburbia, Vips, Parton and Ragazzi wher" you can find Every Day Low Pricesl
-1v~rage
Dailv
Nominal
ANNUAL
ANNUAL
PArinrlir.
Transaction
r=QQ
DISCOVER'
CARD
Closing Date:
July 5, 2003
BllUCE ENSOR
account number 6011002240179119
page 3 of 3
Cash back Bonus @ Award Summary
Cashback Bonus Anniversary Date: February 5
Previous Cashback Bonus Award Balance
Purchase Award This Period
Cashback Bonus Award Total
Cashback Bonus Award Balance
Award Available to Redeem
Balance
$ 0.00
+ 0.00
0.00
0.00
0.00
$
DISCOVER
CARD
new balance
$1,870.98
05 SDSN6A01 0001796
BRUCE ENSOR
1024 TEAKWOOD LN
ENOLA PA 17025-2046
minimum payment due I account number 601100224017 9119
$42.00 enter amount enclosed below
$[
payment due date
September 4, 2003
Please make check payable to Discover Card or pay
online @ Discovercard.com.
FREE Additional Cards for ~our Account
allow yotl to share your creait line without
Sharing your Card. Call1-800-DISCOVER
or visit Discovercard.com/AdditionalCards to
learn mme.
PO BOX 15251 111",11,,,1111I.1,1,,1,1.1
WILMINGTON DE 19886-5251
1",111,1.,1,.1,1"1"11".1,1",1,1,1,1",,11.1,1,,,,111,1,,1
Address or telephone change? Please print change in the space above,
or go to Discovercard.com,
000006011002240179119018709800000000004200
Discover Card Account Summary
account number
payment due date
minimum payment due
credit limit
credit available
cash credit limit
dash credit available
6011 002240179119
September 4, 2003
$42.00
$2,000.00
$0.00
$1,000.00
$0.00
-
Closing Date: August 5, 2003
page 1 ot 3
previous balance $1,897.27
payments and credits 42.00
purchases + 0.00
cash advances + 0.00
balance transfers + 0.00
FINANCE CHARGES + 15.71
new balance == $1,870.98
You may be able to avoid Periodic Finance Charges, see the
reverse side lor details.
Cashback Bonus.
AWARD
Cashback Bonus@) Anniversary Date:
February 5
Previous Cashback Bonus Award Baiance $
Purchase Award This Period +
Cashback Bonus Award T otai
Redemptions This Period
Cash back Bonus Award Balance
Award Available to Redeem $
0.00
0.00
0.00
0.00
0.00
0.00
Transactions
Irans. post
dale dale
previous stalemenl balances
Irsn dale
Jul 10
FINANCE CHARGES: OLD BALANCE
FiNANCE CHARGES: CASH
FINANCE CHARGES: PURCHASES
fl~ANC!;J;_HARG!;S: BALAI'ICE TRANSFERS _
PRINCIPAL: OLD BALANCE
PRINCIPAL: CASH
PRINCIPAL: PURCHASES
PRINCIPAL: BALANCE TRANSFERS
$
0.00
0.00
0.00
___O,QO
0.00
0.00
0.00
0.00
post dale
Jul 10 PAYMENT - THANK YOU
-42.00
DISCOVER.
CARD
>> .... ..
DI5CeVER
BRUCE ENSOR
account number 6011002240179119
Get what you need with Balance Transfers:
Take that dream vacation, redo your bothroom,
cover unexpected expenses - it's up 10 youl
Transfer Balances 3 easy ways:
~ C~11-866.240.7939
Save mllney: Use Discover" Card Balance
Tronsfers to poy off your higher-rote credil cord
accounts, loons and bills,
~~:~~:~~.:.
~)~TrcnJw
~ d1ec1cs it the maa
Closing Date: August !i, 2003
page 2 of 3
Identity theft is the fastest growing crime in the U.S. (General Accounting Office, 1/03). Enroll in optional ProfileProtect(R)
and we will send you your credit report, monitor your credit file for changes each business day, and send you Quarterly
Credit Updates -- toois to help protact yourselffrom identity theft. Call 1-877-737-1936 to enroll.
Discover Financial Services is proud 10 support this year's Juvenile Diabetes Research Foundation's Walk to Cure
Diabetes. Help us raise even more money to lund research for a cure by participating in the Walk or donating your
Cashback Bonus(R) award to JDRF. A cure is within reach. To learn more, visit Discovarcard.com or www.jdrt.org.
A veraae
Dailv
Nominal
ANNUAL
ANNUAL
pp.rinrli~
Transaction
FA~
DISCOVER
CARD
Closing Date:
August 5, 2003
BRUCE ENSOR
account number 6011002240179119
pa(le 3 01 3
Cash back Bonus @ Award Summary
Cashback Bonus Award Balance
Award Available to Redeem
Balance
$ 0.00
+ 0.00
0.00
0.00
0.00
$
Cash back Bonus Anniversary Date: February 5
Previous Cashback Bonus Award Balance
Purchase Award This Period
Cash back Bonus Award Total
DISCCVER"
CARD
new balance
$1,844.49
05 SOSN6AOl 0001797
BRUCE ENSOR
1024 TEAKWOOD LN
ENOlA PA 17025-2046
minimum payment due
$42.00
account numb.r 6011 0022 4017 9119
enter amount enclosed below
payment due date
October 4, 2003
$1
I
Plesse' make check payable to Discover Card or pay
online @ Discovercard.cam.
FREE Additional Cards for your Account
allow you to share your creclit line without
sharlnqjlour Card. Call1-80G-DISCOVER
or vislf Discovercard.com/AdditlonalCards to
learn more.
PO BOX 15251 11I",11",11",,1,1,,1,1,1
WILMINGTON DE 19886-5251
1",111,1"'1,',1"1,,,11".'.1..,1.1.1,1,,"11,1.1"1,111,1,,1
Address or telephone change? Please print change /11 the space above,
Of go to Discovercard,com.
000006011002240179119018444900000000004200
Discover Card Account Summary
account number
payment due date
ininimum payment due
credit limit
credit available
cash credit limit
cash credit available
6011002240179119
October 4, 2003
$42.00
$2.000.00
$0.00
$1,000.00
$0.00
-
Closing Date: September 5, 2003
page 1 of 3
$1.870.98
42.00
0.00
0.00
0.00
15.51
$1.844.49
previous balance
payments and credits
purchases
cash advances
balance transfers
FINANCE CHARGES
new balance
+
+
+
+
=
You may bfJ able to avoid Periodic Finance Charges. see the
reverse side for details.
Cashback Bonus.
AWARD
Cashback BonuS@Annlversary Date:
February 5
Previous Cashback Bonus Award Balance $
Purchase Award This Period +
Cashback Bonus Award Total
Redemptions This Period
Cashback Bonus Award 13alance
Award Available to Redeem $
0.00
000
0.00
0.00
0.00
0.00
Transactions
trans. post
date date
previous statement balances
tran dale
Aug 12
FINANCE CHARGES: OLD BALANCE
FINANCE CHARGES: CASH
FINANCE CHARGES: PURCHASES
.FJN!\t-ICE_GH."'RG~$~a!\i,AI',/Qt; T8P.N~IFi"RS. _ __
PRINCIPAL: OLD BALANCE
PRINCIPAL: CASH
PRINCIPAL: PURCHASES
PRINCIPAL: BALANCE TRANSFERS
$
0.00
0.00
0.00
..0.00
0.00
0.00
0.00
0.00
post date
Aug 12 PAYMENT - THANK YOU
-42.00
DISCOVER'
CARD
Itpcryl_
DlsceVER
I BRUCE ENSOR
account number 6011002240179119
Balance TrQnsfers are the perfect solution.
Increase your buying power, save money and pay fewer bills.
Get what you need with Balance Transfers:
Take that dream vacation, redo your bathroom,
cover unexpected expenses - it's up to youl
Transfer Balanc.. 3 easy W<1I'fS:
~ ~11-866-240-7939
Save money: Use Discover@ Card Balance
Transfers to payoff your higher-rote credit cord
accounts, loons and bills.
.~~:~~.:.
~) ~n: TrQU/er
~ checla .. the mail
Closing Date: September 5, 2003
page 2 at 3
Now you can use your Discover(R) Card at over 500 Bob Evans locations! You can enjoy Bob Evans homestrle "avors
in their kitchen or yours for breakfast, lunch or dinner. Take the time to enjoy a heartlo,nd tradition. Come home to Bob
Evans and use your Discover Card.
As a Discover(R) Cardmember, you can get cash quickly and easily -- just about anytime, anywhere. To find the nearest
cash locations, select your P.I.N., or to order Discover Card Cash Checks, calI1-800-DISCOVER (1-800-347.2683). And
don't forget to visit us at Discovercard.com where you can also search for cash locations nearest you.
~ ve,rage
Qaily
Nomina.l
ANNUAL
ANNUAL
Pc,.;....Ai'"
Transaction
c__
DISCOVER
CARD
Closing Date:
eptember 5, 2003
BFiUCE ENSOR
a~:ountnumber 6011002240179119
pa'le 3 of 3
Cash back Bonus @ Award Summary
Cashback Bonus Anniversary Date: February 5
Previous Cashback Bonus Award Balance
Purchase Award This Period
Cashback Bonus Award Total
Cashback Bonus Award Balance
Award Available to Redeem
Balance
$ 0.00
+ 0.00
0.00
0.00
0.00
$
DISCOVER'
CARD
new bafance
$1,817.27
05 SDSN6A01 0001798
BRUCE ENSOR
1024 TEAKWOOD LN
ENOLA PA 17025-2046
minimum payment due
$42.00
account number 6011 0022 4017 9119
enter amount enclosed b9low
$[
~
payment due dale
November 4, 2003
Please- m;3:ke check payable to Discover Card or pay
online@ Discovercard.com.
FREE Additional Cards for your Account
allow you to share your creai! line without
sharingyour Card. Callf-800-DISCOVER
or visit Discovercard.com/AdditionaICards to
learn more.
PO BOX 15251 11I...11...11....1.1..1.1.1
WILMINGTON DE 19886-5251
1",111,1"1.,1,1.,1"11".',1",1,1,1,1..,,1',1,',,,,111.',,1
Address or telephone change? Please print change in the space above,
or go (0 Discove:rcard,com.
000006011002240179119018172700000000004200
Discover Card Account Summary
account number
RByment due date
minimum payment due
credit limit
credit evailable
cash credit limit
cash credit available
6011 002240179119
November 4, 2003
$42.00
$2,000.00
$0.00
$1,000.00
$0.00
-
Closing Date: October S, 2003
page 1 of 3
previous balance $1,844.49
payments and credits 42.00
purchases + 0.00
cash advances + 0.00
baiance translers + 0.00
FINANCE CHARGES + 14.78
new balance = $1,817.27
You may be able to avoid Periodic Finance Charges, see the
reverse side lor details.
Cashback Bonus.
AWARD
Cashback Bonus@Anniversary Date: February 5
Previous Cashback Bonus Award Balance $
Purchase Award This Period +
Cashback Bonus Award Total
Redemptions This Period
Cash back Bonus Award Balance
Award Availabie to Redeem $
0.00
000
0.00
0.00
0.00
0.00
transactions
trans. post
date date
plevlous statement balances
tran date
Sep 11
FINANCE CHARGES: OLD BALANCE
FINANCE CHARGES: CASH
FINANCE CHARGES: PURCHASES
FJ,."ANCE C_HARGES: BALANCE TRA.i'lSFERS .
PRINCIPAL: OLD BALANCE
PRINCIPAL: CASH
PRINCIPAL: PURCHASES
PRINCIPAL: BALANCE TRANSFERS
$
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
post date
Sept 11 PAYMENT - THANK YOU
-42.00
DISCOVER
CARD
""",10
DISC.VEI{
BRUCE ENSOR
account number 6011002240179119
Balance Transfers are the rf t solution,
Increase your buying power, seve money cmd pay fewer bills.
Get what y,~u need with Balance T ranslers:
Take thot dream vacation. redo your bathroom,
cover unexpected expenses - it's up to youl
Tr,..sfer 8alances 3 ""sy ways:
~ cmll.866-240-7939
Save money: Use Disc:over. Card Balance
Translers fo payoff your higher-rate credit card
accounts, loans and bills.
~ v..~ us online at
~ Dis<<wen:ard.cam
~ I.aok lor
~ Balance rrcnsfer
checks i1 the mod
Closing Date: October 5, 2003
page 2 of 3
Identity theft is the fastest growing crime in the U.S. (General Accounting Office, 1/03). Enroll in optional ProfileProtect(R)
and we will send you your credit report, monffor your credit tile lor changes each business day, and send you Quarterly
Credit Updates -- tools to help protect yourself from identity theft. Call 1-877- 737-1936 to enroll.
00 you know a current high school junior who is an all-around achiever, beyond academics? We want to know them tool
To find out more about the Discover(R) Card Tribute Award(R) Scholarship Program. visit our website at
Discovercard.com/tribute.hlm. There are up to 460 scholarships available worth more th..n $1 miliion.
OPEN A NEW DISCOVER MONEY MARKET ACCOUNT TODA YI Our AutoSavers Plan lets you save painlessly by
scheduiing multiple monthiy deposits into your Money Market Account ... for Education expenses, a new Car, Hoiiday gifts
or whalever you wish! Call today to open your Account and sign up for AuloSavers: 1-800-347-7000. Mention Code:
SCI003PM.
A ver8Q8
Dai/v
Nominal
ANNUAL
ANNUAL
PeriDdir:
Transaction
FP.R
DISCOVER'
CARD
Closing Date:
October 5, 2003
i BRUCE ENSOR
account number 6011002240179119
page 3 oj 3
Cash back Bonus @ Award Summary
Cashback Bonus Anniversary Date: February 5
Previous Cashback Bonus Award Balance
Purchase Award This Period
Cashback Bonus Award Total
Cashback Bonus Award Balance
Award Available to Redeem
Balance
$ 0.00
+ 0.00
0.00
0.00
0.00
$
DISCOVER'
CARD
new balance
$1,790.31
05 SDSN6AOl 0001799
BRUCE ENSOR
1024 TEAKWOOD LN
ENOLA PA 17025-2046
minimum payment due
$42.00
account number 6011 0022 4017 9119
enter amount enclosed below
payment due date
December 4, 2003
$[
Please make check payable to Discover Card or pay
online@Discovercard.com.
FREE Additional Cards for your Account
allow you to share your creait line without
sharing..l'our Card. Call1-800-DISCOVER
or visit Discovercard.comlAdditionalCards to
learn more.
PO BOX 15251 11I,,,11,,,11,,,,1,1,,1,1,1
WILMINGTON DE 19886-5251
1",11',1.,1"1,1"1,,11'.,,1.1,,,1,1,1.',.,,11,1,1,,,.111,1.,1
Address or ttlfephon8 change? Please print change in the space abO\l8,
or go to Discovercard.com.
000006011002240179119017903100000000004200
Discover Card Account Summary
account number
payment due date
minimum payment due
crediflimit
credit available
cash credit limit
cash credit available
6011 002240179119
December 4, 2003
$42.00
$2,000.00
$0.00
$1,000.00
$0.00
Closing Date: Novembllr 5, 2003
-
previous balance
payments and credits
purchases
cash advances
balance transfers
FINANCE CHARGES
new balance
page 1 of 3
$1,817.27
42.00
0.00
0.00
0.00
15.04
$1,790.31
+
+
+
+
=
You may be able to avoid P"riodic Finance Charges, see the
reverse side for details.
Cashback Bonus.
AWARD
Cashback BonuS@Anniversary Date: August 10
Previous Cashback Bonus Award Balance $
Purchase Award This Period +
Cashback Bonus Award Total
Redemptions This Period
Cash back Bonus Award Ilalance
Award Available to Redeem
$
0.00
000
0.00
0.00
0.00
0.00
Transactions
,
,
trans. post
date date
previous statement balances
trsn date
Oct 10
FINANCE CHARGES: OLD BALANCE
FINANCE CHARGES: CASH
FINANCE CHARGES: PURCHASES
F1N"t>lC~_C_HARGI;S:J~i~lJ\NQE TRt\NSf~B~t .
PRINCIPAL: OLD BALANCE
PRINCIPAL: CASH
PRINCIPAL: PURCHASES
PRINCiPAL: BALANCE TRANSFERS
post date
Oct 10 PAYMENT-THANKYOU
$
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-42.00
DISCOVER
CARD
."""..
DISC.VEIl
BRlICE ENSOR
account number 6011002240179119
Balance Transfers are the perfect solution,
Increase your buying power, save money cmd pay fewer bills,
Get what you need with Balance Transfers:
Take that dream vacation, redo yaur bathroom,
cover unexpected expenses - it's up to youl
T",".I., Balances 3 easy ways:
~ ~ll.866.240.7939
Sove money: Use Discover. Cord Balance
Tronsfers to payoff your higher-rote credit cord
accounts, loons and bills.
f~ ~:'~~::::~
~) ~n: Trcmfer
i!J checks i1 the man
Closing Date: November 5, 2003
page 2 of 3
Through the efforts of our Cardmembers, Discover Financial Services has donated over $14 mil/ion to the Make-A-Wish
Foundation(R) to make dreams come true for thousands of children with life-threatening medical conditions. To share the
power of a wish(R) and donate your Cashback Bonus(R) award, please visit Discovercard.com or www.wish.org.
As a Discover(R) Cardmember, you can get cash quickly and easify -- just about anytime, anywhere. To find the nearest
cash locations, select your P.I.N., or to order Discover Card Convenience Checks, call1-800-DISCOVER
(t -800-347-2683). And don1 forget to visif us at Discovercard.com where you can also search for cash locations nearest
you.
-1 vf!rage
Dailv
Nominai
ANNUAL
ANNUAL
Periodic
Transaction
FAR
DISCOVER
CARD
I Closing Date:
November 5, 2003
BRUCE ENSOR
aC~1untnurnber 6011002240179119
pag'9 3 of 3
Cash back Bonus @ Award Summary
Cash back Bonus Anniversary Date: August 10
Previous Cashback Bonus Award Balance
Purchase Award This Period
Cashback Bonus Award Total
Cashback Bonus Award Balance
Award Available to Redeem
Balance
$ 0.00
+ 0.00
0.00
0.00
0.00
$
DISCOVER'
CARD
new balance
$1,762.65
05 SDSN6A01 0001800
BRUCE ENSOR
1024 TEAKWOOD LN
ENOLA PA 17025-2046
minimum payment due !
$42.00
account number 6011 00224017 9119
enter amount enclosed below
payment due date
January 4, 2004
$[
Please make check payable to Discover Card or pay
online @ Discovercard.com.
FREE Additional Cards for ~our Account
allow you to share your creoit line without
sharingJlour Card. Caill-BOO-DISCOVER
or visit Discovercard.com/AdditionaICards to
learn more.
PO BOX 15251 11I...11...11....1.1..1.1.1
WILMINGTON DE 19886-5251
1",111,1,.1"1,1"1,..11",1,1."',1.',1,,,,1',1,1,,,,111.1..1
Address or telephone change? Please print change in the space above,
or go to Djscoverc:ard.com.
000006011002240179119017626500000000004200
Discover Card Account Summary
'!ccount number
payment due date
minimum payment due
credit limit
credit available
cash credit limit
clash credit available
6011002240179119
January 4. 2004
$42.00
$2,000.00
$0.00
$1,000.00
$0.00
-
Closing Oale: OeCembllr 5, 2003
page 1 of 3
previous balance $1,790.31
payments and credits 42.00
purchases + 0.00
cash advances + 0.00
balance transfers + 0.00
FINANCE CHARGES + 14.34
new balance :; $1,762.65
You may be able to avoid PModic Finance Charges, see the
reverse side for details.
Rlease note, the Traditional Cashback Bonus award is now calied the Purchase Cashback Bonus award.
Cash back Bonuslfl>
AWARD
Transactions
trans. posl
dale dale
previous statement balances
Cashback BonuS@Anniversary Date: August 10
Previous Cashback Bonus Award Baiance $
Purchase Award This Period +
Cashback Bonus Award Totai
Redemptions This Period
Cashback Bonus Award Elalance
Award Available to Redeem
0.00
000
0.00
0.00
0.00
0.00
$
FINANCE CHARGES: OLD BALANCE
FINANCE CHARGES: CASH
FINANCE CHARGES: PURCHASES
_ _ _ _ _ _ _ _ flNANC!;J;Jil\HG!;S: BAl.ANCE; TRAN~:FEHS
PRiNCIPAL: OLD BALANCE
PRiNCIPAL: CASH
PRiNCIPAL: PURCHASES
PRINCIPAL: BALANCE TRANSFERS
$
0.00
0.00
0.00
.D.DO
0.00
0.00
0.00
0.00
tran date
Nov12
post dale
Nov 12 PAYMENT - THANK YOU
-42.00
DISCOVER'
CARD
. pays ..
DISC.VEIl
BRL:CE ENSOR
account number 6011002240179119
Balance Transfers are the perfect solution,
Increase your buying power, save money cme! pay fewer bills.
Get what you need with Balance Transfers:
Take that dream vacafion, reda your bathroom,
cover unexpected expenses - if's up to youl
Transfer Balances 3 easy ways:
. Call 1.866-240.7939
Save money: Use Discover" Card Bolance
Transfers fo payoff yaur higher-rafe credit card
occounts, loons ond bills,
f~~:;~~~c:.
~)~T~
~ checks in the maa
Closing Date: December 5, 2003
page 2 of 3
Through the efforts of our Cardmembers, Discover Anancial Services has donated over $14 million to the Make-A-Wish
Foundation(R) to make dreams come true for thousands of children wifh life-threatening medical condifions. To share the
power of a wish(R) and donate your Cashback Bonus(R) award, please visit Discoverca"f.com or www.wish.org.
As a Discover(R) Cardmember, you can get cash quickly and easily" just about anytime, anywhere. To find the nearest
cash locations, select your P.I.N., or to order Discover Card Convenience Checks, call f-BOO-DISCOVER
(1-800-347-2683). And don 1 forget to visit us at Discovercard.com where you can atso search for cash locations nearest
you.
A veraae
Dailv
Nominal
ANNUAL
ANNUAL
Pp.rinrlir.
Transaction
Fpp'
DISCOVER'
CARD
I Closing Date:
: Oecember 5, 2003
, BRUCE ENSOR
account number 6011002240179119
pa(le 3 of 3
Cash back Bonus @ Award Summary
Cashback Bonus Anniversary Date: August 10
Previous Cashback Bonus Award Balance
Purchase Award This Period
Cashback Bonus Award Total
Cash back Bonus Award Balance
Award Available to Redeem
Balance
$ 0.00
+ 0.00
0.00
0.00
0.00
$
DISCOVER
CARD
new balance
$1,735.22
05 SDSN6AOl 0001801
BRUCE ENSOR
1024 TEAKWOOD LN
ENOLA PA 17025-2046
minimum payment due
$42.00
account number 6011 0022 4017 9119
enter amount enclosed below
payment due date
February 4, 2004
$1
Please' make check payable to Discover Card or pay
online @ DjscoverC8rd.com.
FREE Additional Cards for your Acoount
allow you to share your crea~ line without
sharinuyour Card. Call1-800-DISCOVER
or visif Discovercard.com/AdditionalCards to
learn more.
PO BOX 15251 11I...11...11....1.1,,1.1.1
WILMINGTON DE 198B6-5251
1",111,1"1,.1,'.,1",11",',1",'.1,1,1,,,,11.1.1....111.1..1
Address or telephone change? Please print change in the space above,
or go to Discovercard.com.
000006011002240179119017352200000000004200
Discover Card Account Summary
account number
payment due date
minimum payment due
credit limit
credit available
qash credit limff
cash credit available
6011002240179119
February 4, 2004
$42.00
$2,000.00
$0.00
$1,000.00
$0.00
Closing Dale: January 5, 2004
page 1 of 3
previous balance $1,762.65
payments and credits 42.00
purchases + 0.00
cash advances + 0.00
balance transfers + 0.00
FINANCE CHARGES + 14.57
new balance = $1,735.22
You may be able to avoid PeriOdic Finance Charges, see the
reverse side for details.
Cashback Bonus.
AWARD
Cashback Bonus0> Anniversa.ry Date: August 10
Previous Cashback Bonus Award Baiance $
Purchase Award This Period +
Cashback Bonus Award Total
Redemptions This Period
Cashback Bonus Award Balance
Award Available to Redeem
0.00
000
0.00
0.00
0.00
0.00
Transactions
$
trans. post
date date
previous statement balances
tran date
Dee 10
FINANCE CHARGES: OLD BALANCE
FINANCE CHARGES: CASH
FINANCE CHARGES: PURCHASES
.FJN8NCE.GH/\.FlGES:JV\LAN.GE TRi\NSfER&....
PRINCIPAL: OLD BALANCE
PRINCIPAL: CASH
PRINCIPAL: PURCHASES
PRINCIPAL: BALANCE TRANSFERS
$
0.00
0.00
0.00
.0.00
0.00
0.00
0.00
0.00
post da1e
Dee 10 PAYMENT - THANK YOU
-42.00
DISCOVER'
CARD
It pays to
DISCeVER
BRUCE ENSOR
account number 6011002240179119
Gel what you need with Balance Transfers:
Take thot dream vacation, redo your both room,
cover unexpected expenses - Ws up to you I
Transfer Balances 3 easy ways:
~ caI1-866.240-7939
Save money: Use Discover. Card Balance
T,ansfers to pey off your hi9her-rote credit cord
accounts, loons and bills.
f~~;:=~':'
~) ~=Trcmfer
~ checks in !he mad
Closing Date: January 5, 2004
page 2 ot 3
Through the efforts of our Cardmembers, Discover Financial Services has donated over $14 million to the Make-A-Wish
Foundation(R) to make dreams come true for thousands of children with life-threatening medical conditions. To share the
power of a wisheR) and donate your Cashback Bonus(R) award, please visit Discoverca,d.com or www.wish.org.
As a Discover(R) Cardmember, you can get cash quickly and easily.. just about anytimE,. anywhere. To tind the nearest
cash locations, select your P.I.N., or to order Discover Card Convenience Checks. call1.BOO.DISCOVER
(1-800-347-2683). And don't forget to visit us at Discovercard.com where you can also search for cash locations nearest
you.
A veraae
Dailv
Nominal
ANNUAL
ANNUAL
Periodic
Transaction
Fee
DISCOVER
CARD
Closing Dale:
January 5, 2004
BRUCE ENSOR
accountnulJ1ber 6011002240179119
page 3 of 3
Cash back Bonus @ Award Summary
Cashback Bonus Anniversary Date: August 10
Previous Cashback Bonus Award Balance
Purchase Award This Period
Cashback Bonus Award Total
Cash back Bonus Award Balance
Award Available to Redeem
Balance
$ 0.00
+ 0.00
0.00
0.00
0.00
$
DISCOVER"
CARD
new balance
$1,707.60
05 SDSN6A01 0001802
BRUCE ENSOR
1024 TEAKWOOD LN
ENOLA PA 17025-2046
minimum payment due
$42.00
acx:ount n"mber 6011 0022 4017 9119
enter amount enclosed below
$1
payment due date
March 4, 2004
Please make check payable to Discover Card or pay
online ~fJ DiscoverC8rd.com.
FREE Additional Cards tor your Account
allow you to share your creait line without
sharingyour Card. Call1-800-DISCOVER
or visit DiscDvercard.com/AdditionaICards to
learn more.
PO BOX 152S1 1II...1I...II....I.I..I.t.I
WILMINGTON DE 19886-5251
1",111,1..'"1,1"1"11",',1",1,',1.1,,,,",1,',,,,111,1,,'
Address or telephone change? Please print change in the space above.
or go to Discovercard.com.
000006011002240179119017076000000000004200
Discover Card Account Summary
qccount number
payment due date
thinimum payment due
creditlimil
credit available
cash credillimit
cash credit available
6011002240179119
March 4, 2004
$42.00
$2,000.00
$292.00
$1.000.00
$0.00
Closing Dale: February 5, 2004
page 1 of 3
previous balance $1,735.22
payments and credits 42.00
purchases + 0.00
cash advances + 0.00
balance transfers + 0.00
FINANCE CHARGES + 14.38
new balance = $1,707.60
You may be able to avoid Periodic Finance Charges, see rhe
reverse side for details.
Cash back Bonus""
AWARD
transactions
trans. post
date date
previous statement balances
tran date
Jan 14
Cashback BonuS@Anniversary Date: August 10
Previous Cashback Bonus Award Balance $
Purchase Award This Period +
Cashback Bonus Award Total
Redemptions This Period
Cashback Bonus Award Balance
Award Available to Redeem
0.00
000
0.00
0.00
0.00
0.00
$
FINANCE CHARGES: OLD BALANCE
FINANCE CHARGES: CASH
FINANCE CHARGES: PURCHASES
FiNANCE Cl'ARGES: BALANCE TRANSFERS .
PRINCiPAL: OLD BALANCE
PRINCiPAL: CASH
PRINCiPAL: PURCHASES
PRiNCiPAL: BALANCE TRANSFERS
$
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
post date
Jan 14 PAYMENT - THANK YOU
-42.00
DISCOVER'
CARD
It pays to
DISC.VER:
BRUCE ENSOR
account number 6011002240179119
Balance Transfers are the perfect solution.
Increase your buying power, save money cme! pay fewer bills.
Get whOI you need with Balance Transfers:
Take that dream vacatian. reda your bathroom.
cover unexpected expenses - it's up to youl
Trclnsfer Bclkmces 3 eclsy ways:
~ ~11-866-240-7939
Sove money: Use Dis,:over" Cord Balance
Tronsfers fa pay ofl your higher-rote credil cord
accounts, loons and bills,
.~ v:..~ us online at
A~) Disccwercard.cam
~) ~TrMJw
ij!J checks iI the man
Closing Date: Februa~~ 5, 2004
page 2 of 3
Lock Your CD Rate Todayl Move fast 10 lock your Certificate of Deposit interest rate wit.; Discover(R) Bank's fast, free
and secure CD Electronic Deposit! It's the easy, safe way to add funds to a maturing Discover CD or fund a new CD
directly from your bank account. Just call '-800-347-7000 and mention code: SC0204PC. Member FDIC.
FREE Additional Cards allow you to share your credit line without sharing your cardl Request FREE Addffional Cards for
your spouse, kids, or anyone close to you. You'lI get a lot more out of your credit Iinel Just call ,.800.347-5537 or visit
Discovercard.com today.
Discover(R) Financial Services 15 proud to support Communities In Schools (CIS), the nation's leading community.based
organization that helps kids succeed in schoOl and prepare for life. By donating your Cashback Bonus(R) award to CIS,
you can help make a difference In the lives of young people. To learn more. please visit Discovercard.com.
A veraae
Dailv
Nominal
ANNUAL
ANNUAL
P~rinrlir.
Transaction
F=Q,P
DISCOVER'
CARD
: Closing Date:
I February 5, 2004
BRUCE ENSOR
accO!Jnt number 6011002240179119
page 3 of 3
Cash back Bonus @ Award Summary
Cashback Bonus Anniversary Date: August 10
Previous Cashback Bonus Award Balance
Purchase Award This Period
Cashback Bonus Award Total
Cashback Bonus Award Balance
Award Available to Redeem
Balance
$ 0.00
+ 0.00
0.00
0.00
0.00
$
DISCOVER"
CARD
new balance
$1,678.81
05 SDSN6A01 0001803
BRUCE ENSOR
1024 TEAKWOOD IN
ENOlA PA 17025-2046
minimum payment due
$42.00
account number 6011 0022 4017 9119
emer amount encfosed below
payment due date
April 4, 2004
$1
Please make check payable to Discover Card or pay
online tiP Discovercard.com.
FREE Additional Cards for your Account
allow you to share your creait iine without
sharin(lyour Card. Call1-800-DISCOVER
or visit Discovercard.com/AdditlonaiCards to
learn more.
PO BOX 15251 11I11I1111I11",,1.1,,1.1.1
WILMINGTON DE 19886-5251
1."11',1"1"1,1"',."",1,1,,,',1.',1,,,,1',1,1,,,,111,1,,'
Address or telephone change? Please print char1ge in the space above,
or go to Discovercard.com.
00000601100224017~119016788100000000004200
Discover Card Account Summary
qccount number
lIaymen! due date
Ininimum payment due
credit Jimit
credit available
cash credit limit
~ash credit available
6011002240179119
April 4, 2004
$42.00
$2,000.00
$321.00
$1,000.00
$0.00
-
Closing Date: March ii, 2004
page 1 013
previous balance $1,707.60
payments and credits 42.00
purchases + 0.00
cash advances + 0.00
balanoe transfers + 0.00
FINANCE CHARGES + 13.21
new balance = $1,678.81
You may be able to avoid Periodic Finanoe Charges, see the
reverse side for details.
Cashback Bonus.
AWARD
Transactions
trans. post
date date
p'revlous statement balances
tran date
Feb 11
Cashback BonuS@Anniversary Date: August 10
Previous Cashback Bonus Award Balance $
Purchase Award This Period +
Cashback Bonus Award Total
Redemptions This Period
Cash back Bonus Award Balance
Award Avaliable to Redeem
0.00
000
0.00
0.00
0.00
0.00
$
FiNANCE CHARGES: OLD BALANCE
FINANCE CHARGES: CASH
FINANCE CHARGES: PURCHASES
fJN~NCE_CHARGES:B.ALANCE TRANSFERS
PRINCIPAL: OLD BALANCE
PRINCIPAL: CASH
PRINCIPAL: PURCHASES
PRINCIPAL: BALANCE TRANSFERS
$
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
post date
Feb 11 PAYMENT - THANK YOU
-42.00
DISCOVER'
CARD
Itpcrytlo
DISC.VER'
BRUCE ENSOR
aCDountnurnber 6011002240179119
Balance Tran ~ rs ar the rfect s ,Iution,
Increase your buying power, save money ,and pay fewer bills,
Gel what you need with Balance Transfers, Save money' Use Discover" Cord Balance
Take that dream vacation, redo your bathroom, Transfers fa poy off your higher-rafe credit card
cover unexpected expenses - it's up to youl accounts, loons ond bilb.
Transfer Balance. 3 easy ways:
~ Cdll.866.240.7939
f~~::~:::
~)::=T~
;j!J checlcs i1 the man
Closing Date: March !i, 2004
page 2 of 3
70% of credit reports contain at/east one mistake (Consumer Reports, January 2001). Enroll in optional
ProfileProtect(R), ana we will send your credil report, monitor your credit file for changes every business day. and send
you Quarterly Credit Updates -- tools to help protect yourselffrom iaentity theft. Call 1-1177-737-1936 to enroll.
A veraQe
Dailv
Nominal
ANNUAL
ANNUAL
P~ri(lrlir.
Transaction
F'QQ
DISCOVER
CARD
Closing Dale:
March 5, 2004
BR'JCE ENSOR
accountnurnber 6011002240179119
page 3 of 3
Cash back Bonus@ Award Summary
Cashback Bonus Anniversary Date: August 10
Previous Cashback Bonus Award Balance
Purchase Award This Period
Cashback Bonus Award Total
Cashback Bonus Award Balance
Award Available to Redeem
Balance
$ 0.00
+ 0.00
0.00
0.00
0.00
$
DISCOVER
CARD
new balance
$1,650.67
05 SDSN6AOl 0001 B04
BRUCE ENSOR
1024 TEAKWOOD LN
ENOLA PA 17025-2046
fllinimumpaymentdue
$42.00
account number 6011 0022 4017 9119
enter amount enclosed below
~
Please> make check payable to Discover Card or pay
online @ Discovercard.com.
payment due date
May 4, 2004
$1
FREE Additional Cards for your Account
allow j'OU to share your creait line without
sharinqyour Card. Cali 1-800-DiSCOVER
or visit Discovercard.com/AdditionalCards to
learn more.
PO BOX 15251 11I...11...11....1.1..1.1.1
WILMINGTON DE 19886-5251
1",111,)"1"1,1"),,11,.,1,1,,,1,1,1.',,,,'1,1.1,,,,111.1..1
Address or lelephone change? Please print change in the space above,
or go to Discovercard.com.
000006011002240179119016506700000000004200
Discover Card Account Summary
account number
payment due date
minimum payment due
creditlim;t
credit avaitable
cash credit limit
,
cash credit available
6011 0022 4017 9119
May 4, 2004
$42.00
$2,000.00
$349.00
$1,000.00
$0.00
Closing Date: April 5, 2004
page 1 of 3
-
$1,678.81
42.00
0.00
0.00
0.00
13.86
$1,650.67
previous batance
payments and credits
purchases
cash advances
balance tfansfers
FINANCE CHARGES
new balance
=
Cashback Bonus@Anniversary Date: February 5
Previous Cashback Bonus Award Baiance $
Purchase Award This Period +
Cashback Bonus Award Totall
Redemptions This Period
Cashback Bonus Award Balance
Award Availabie to Redeem
$
FINANCE CHARGES: OLD BALANCE
FINANCE CHARGES: CASH
FINANCE CHARGES: PURCHASES
_ _ _ _ _ _ _ _ Fl,."ANCLCJiAflGES: BALANCE HtAKSFEFlS. _
PRINCiPAL: OLD BALANCE
PRINCIPAL: CASH
PRINCIPAL: PURCHASES
PRINCIPAL: BALANCE TRANSFERS
+
+
+
+
You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
tran date
Mar 10
post date
Mar 10 PAYMENT - THANK YOU
0.00
000
0.00
0.00
0.00
0.00
Transactions
$
0.00
0.00
0.00
0_00
0.00
0.00
0.00
0.00
Cashback Bonus.
AWARD
trans. paS!
date date
previous statement balances
-42.00
DISCOVER
CARD
ttpcrysto
DISC.VEIl
BRUCE ENSOR
account number 6011002240179119
Balance TrQDsfers are the perfect solution,
Increase your buying power, save money and pay fewer bills.
Get what yau need with Balance Translero:
Take that dream vacation, redo your bathroom,
cover unexpected expenses - it's up to youl
Transfer Balances 3 easy ways:
~ ~11-866-240-7939
Save maney: Use Di:scover. Card Balance
Transfers fa payoff your higher-rote credit cord
accounts, loons and bills.
f~ V:osit us online at
<<'~ Discovercard,com
~):fan: Transfer
i/J checks iI the mad
Closing Date: April 5, 2004
page 2 of 3
FREE Additional Cards allow you to share your cred" fine without sharing your cardl Request FREE Addffional Cards for
your spouse, college student, or anyone close to you. You'II get a lot more out of your credit linel Just call
1-800-347-5537 or visit Discovercard. rom today.
Lock Your CD Rate Todayl Move fast to lock your Certificate of Deposit interest rate with Discover(R) Bank's fast. free
and secure CD Electronic Deposit! It's the easy, safe way to fund a new CD or add funds to a maturing Discover CD
directly from your bank account. Just call t -800-34 7- 7000 and mention code: SC0404PC. Member FDIC.
Average
Dailv
Nominal
ANNUAL
ANNUAL
p(:3rinrl~
Transaction
t=aa
DISCOVER'
CARD
! Closing Dale:
April 5, 2004
BRUCE ENSOR
account number 6011002240179119
page 3 of 3
Cash back Bonus @ Award Summary
Cash back Bonus Anniversary Date: February 5
Previous Cashback Bonus Award Balance
Purchase Award This Period
Cashback Bonus Award Total
Cashback Bonus Award Balance
Award Available to Redeem
Balance
$ 0.00
+ 0.00
0.00
0.00
0.00
$
DISCOVER
CARD
new balance
$1,664.15
05 SDSN6AOl 0001805
BRUCE ENSOR
1024 TEAKWOOD LN
ENOLA PA 17025-2046
I minimum payment due
$84.00
account number 6011 0022 4017 9119
ent!~r amount enclosed below
$1
payment due date
June 4, 2004
Please make check payable to Discover Card.
Minimum payment clue includes a past due amount of
$42.00.
FREE I\dditional Cards for ~our Account
allow you to share your creail line without
sharing your Card. Call1-800-DISCOVER
or visit l)iscovercard.com/AdditionaICards to
learn more.
PO BOX 15251 11I11I1111I11....1,1..1,1,1
WILMINGTON DE 19886-5251
1",111,1..1"1,1"1"11",1,1,,,1,1,1,1,,,,11,1,1.,,.111,1,,1
Address or telephone change? Pfease print change in the space above,
or go to Discovercard,com.
000006011002240179119016641500000000008400
Discover Card Account Summary
account number
payment due date
minimum payment due
credit limit
credit available
qash credit limit
cash credit available
6011 002240179119
June 4, 2004
$84.00
$2,000.00
$335.00
$1,000.00
$0.00
-
Closing Date: May 5, :~04
page 1 013
$1,650.67
0.00
0.00
0.00
0.00
13.48
$1,664.15
previous balance
payments and credits
purchases
cash edvances
balance transfers
FINANCE CHARGES
new balance
+
+
+
+
=
You may be able to avoid Periodic Finance Charges, see the
reverse side lor detaiis.
Cash back Bonus.
AWARD
Cashback Bonus@Anniversary Date: February 5
Previous Cashback Bonus Award Balance $
Purchase Award This Period +
Cashback Bonus Award Total
Redemptions This Period
Cashback Bonus Award Balance
Award Available to Redeem
0.00
0.00
0.00
0.00
0.00
0.00
Transactions
$
trans. post
date date
previous statement balances
FINANCE CHARGES: OLD BALANCE
FINANCE CHARGES: CASH
FINANCE CHARGES: PURCHASES
J1N~I'!CE.G.HAFlGES:Jl~~~QE T8i\NSfERS.
PRINCIPAL: OLD BALANCE
PRINCIPAL: CASH
PRINCIPAL: PURCHASES
PRINCIPAL: BALANCE TRANSFERS
$ 0.00
0.00
0.00
.. .0.00
0.00
0.00
0.00
0.00
Please note, the Traditional Cashback Bonus award is now called the Purchase Cashback Bonus award.
DISCOVER
CARD
Itpaylto
DISCeVEJr
BR UCE ENSOR
account number 6011002240179119
Balance Tran fers r the rfect solution.
Increase your buying power, save money and pay fewer bills,
Get what you need with Balance Transfers:
Take that dream vacation, redo yaur bathroom,
cover unexpected expenses - it's up 10 you I
Transfer Balances 3 easy ways:
~ call.866.240.7939
Save money: Use Dilicover. Card Balance
Transfers to payoff your higher-rote credit cord
accounts, loons and bills.
.~~.::~~;~
~) ::n: Trcwfer
f)!J checks i11he ma~
Closing Date: May 5, 2004
page 2 of 3
Identity theft complaints to the FTC Increased 33%; from 161,836 complaints in 2002 to 214,905 In 2003 (Federal Trade
Commission, Jan. 2004). Enroll in optional ProfileProtect(R) & we will send you a copy of your credit report & monilor
your credit file every business day -- tools to help protect you from fD theft. Call 1-866-708-0672 to enroll.
Did you know thai millions of credit cards are lost or stolen every year? The Register(FO safeguards all your credit, debit
and A TM cards for less than 5 cents a day. Call 1-800-34 7-3395 for more details.
Keep Up with Your Account from anywhere. Whether you're at home, at work, or away on vacation -- your Discover(R)
Card Accounl is easily accessible online. Check your statement. Pay your bill. Redeem your Cashback Bonus(R)
award. Contact Customer Service. It's quick, easy, and secure. Visit the Account Center at Discovercard.com today.
FAEE Additional Cards allow you to share your credit line without sharing your cardt A"quest ,AfE: Additionaf Cards for
your spouse, college student, or anyone close to you. You'lI get a lot more out of your credit linel Just call
1-800-347-5537 or visit Discovercard.com today.
"! verag9
Dailv
Nominal
ANNUAL
ANNUAL
pp.rinrli~
Transaction
r=~~
DISCOVER
CARD
BRUCE ENSOR
acc,untnumber 6011002240179119
page 3 of 3
Cash back Bonus @ Award Summary
Cashback Bonus Anniversary Date: February 5
Previous Cashback Bonus Award Balance
Purchase Award This Period
Cashback Bonus Award Total
Cashback Bonus Award Balance
Award Available to Redeem
Balance
$ 0.00
+ 0.00
0.00
0.00
0.00
$
DISCOVER
CARD
flew balance
$1,725.96
05 SDSN6A01 0001806
BRUCE ENSOR
1024 TEAKWOOD IN
ENOlA PA 17025-2046
minimum payment due i
$119.00
acC('unt numbet 6011 002240179119
enter amount enclosed below
$[
payment due date
July 4, 2004
Please make check payable to Discover Card.
Minimum payment due includes 8 past due amount of
$84.00.
FREE Additional Cards for your Account
allow you to share your creait line without
sharing your Card. Call1-800-DISCOVER
or visit Discovercard.com/AdditionalCards to
learn more.
PO BOX 15251 11I."11...11,,,,1,1,,1,1.1
WILMINGTON DE 19886-5251
1."11',1"1"1.'"1.,11,,,1,1.,,1,1,1,1,,,,11,1,1,,,,111,1,,1
Address or telephone change? Please print change in the space above,
or go to Discovercard.com.
000006011002240179119017259600000000011900
Discover Card Account Summary Closing Date: June 5, :W04 page 1 of 3
previous balance $1,664.15
account number 6011 0022 4017 9119 payments and credits 0.00
payment due date July 4, 2004 purchases + 29.00
minimum payment due $119.00 cash advances + 0.00
credit limit $2,000.00
credit available $274.00 balance transfers + 0.00
cash credit limit $1,000.00 FINANCE CHARGES + 32.81
cash credit available $0.00 new balance = $1,725.96
You may be able to avoid Periodic Finance Charges, see the
reverse side tor details.
Cashback Bonus.
AWARD
Cashback BonuS@Anniversary Date:
February 5
Previous Cashback Bonus Award Balance $
Purchase Award This Period +
Cashback Bonus Award Total
Redemptions This Period
Cash back Bonus Award Balance
Award Availabie to Redeem $
0.00
000
0.00
0.00
0.00
0.00
1;ransactlons
trans. post
date date
previous statement balances
tran date
Jun 5
post date
Jun 5 LATE FEE
FINANCE CHARGES: OLD BALANCE
FINANCE CHARGES: CASH
FINANCE CHARGES: PURCHASES
FINANCE CHARGES: BALANCE TRANSFERS
PRINCIPAL: OLD BALANCE
PRINCIPAL: CASH
PRINCIPAL: PURCHASES
PRINCIPAL: BALANCE TRANSFERS
$
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
29.00
DISCC~ER
CARD
. .... ..
DISC.VEIl
BRUCE ENSOR
account number 6011002240179119
Balance TrQDsfers are the perfect sol tion,
Increase your buying power, save money and pay fewer bills.
Gel whol you need with Balance Transfers:
Take that dream vacation, redo your bathroom,
cover unexpected expenses - it's up to youl
Transfer Balances 3 easy ways:
~ ~11-866-240-7939
Save money: Use Di:scover' Card Balance
Transfers to poy off your higher-rote credit card
accounts, loans and bills.
f~ ~sit us onGne at
"~ Disccwerc:ard.cam
~) ::n: Trcmfer
i!J chedcs i1 the mad
Closing Date: June 5" 2004
page 2 of 3
............... A TTENT/ON ............... A TTENT/ON ........,tJl... A TTENT/ON 1O*......,tll ATTENTION ..........u A TTENT/ON ...................
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.
Congratulations to the 2004 National Discover(R} Card Tribute Award(R} Scholarship ,,;nners: April Alvarez, Vladimir
Dubovskiy, Ji Guo, Jamie Hargrove, Kristian Henderson, Yuji Huang, Jessica Mann, Sr.'an Monahan and Holly Walker.
Eech won $27,500 for post high-school education or training. Visit Discovercard.comllribute.htm to learn more,
Save 10"10 with Discover(R} Card at Comfort Inn(R}, Comfort Suites(R}, QUality(R), Slee,p Inn(R), Clarion(R), MainStay
Suites(R), Econo Lodge(R) and Rodeway Inn(R) by 1213f/04. Call 80o..4CHOICE and use 0080f242 or click the Special
Rale link at choicehotets.com. Restrictions apply. Cannot combine with other offers. Advance reservations required.
Identity theft complaints to the FTC increased 33%; from 16f,836 complaints in 2002 to 214,905 in 2003 (Federal Trade
Commission, Jan. 2004). Enroll in optional ProfileProtect(R} & we will send you a copy of your credn report & monitor
your credit file every business day - tools to help protect you Irom 10 theft. Call 1-866-708-0672 to enroll.
Lock Your CD Rate Todayl Move fast to lock your Certificate of Deposit interest rate with Discover(R) Sank's fast and
secure CD Electronic Deposit! It's the easy, safe way to tund a new CD or add funds to a maturing Disoover CD directly
from your bank account. Visit www.discoverbank.com. Mention code SC0604P when you open your CD. Member FDIC.
A veraae
Dailv
Nominal
ANNUAL
ANNUAL
Porinrli,..
Transaction
r:M
DISCOVER
CAR D
Closing Date:
June 5, 2004
BflUCE ENSOR
account number 6011002240179119
page 3 of 3
Cash back Bonus @ Award Summary
Cashback Bonus Anniversary Date: February 5
Previous Cashback Bonus Award Balance
Purchase Award This Period
Cash back Bonus Award Total
Cashback Bonus Award Balance
Award Available to Redeem
Balance
$ 0.00
+ 0.00
0.00
0.00
0.00
$
DISCOVER
CARD
new bafance
$1,725.96
minimum payment due
$154.00
account number 6011 0022 4017 9119
enter amount encfosad below
payment due date
August 4, 2004
$[
05 SDSN6A01 0001807
BRUCE ENSOR
1024 TEAKWOOD LN
ENOLA PA 17025-2046
FREE Mditional Cards for your Account
allow you to share your creait line without
sharing IIour Card. Call1-800-DISCOVER
or visit Discovercard.com/AdditionalCards to
learn mo reo
Address or telephone change? Please print change in the space above.
or go to Discovercard,com.
PO BOX 15251 111...11...11....1,1..1.1,1
WILMINGTON DE 19886-5251
1",1",1"1"1.'"1"11,,.1.',,.',1.',1,,,,'1,1,'.,,,11',1,,1
000006011002240179119017259600000000015400
Discover Card Account Summary Closing Date: July 5, 21004 page 1 of 2
previous balance $1,725.96
qccount number 6011002240179119 payments and credits 0.00
payment due date August 4, 2004 purchases + 0.00
minimum payment due $154.00 cash advances + 0.00
credit limit $2,000.00
credit available $274.00 balance transfers + 0.00
cash credit limit $1,000.00 FINANCE CHARGES + 0.00
cash credit available $0.00 new balance = $1,725.96
Cashback Bonus.
AWARD
Cashbacl< BonuS@Anniversary Date, February 5
Previous Cashbac1< Bonus Award Balance $
Purchase Award This Period +
Cashbacl< Bunus Award Totai
Redemptions This Period
Cashback Bonus Award Balance
Award Avaiiable to Redeem
0.00
000
0.00
000
0,00
0.00
$
,
Transactions
,
,
,
trans. post
dale dale
,
previous statement balances
FiNANCE CHARGES: OLD BALANCE
FiNANCE CHARGES, CASH
FINANCE CHARGES: PURCHASES
FINI',I'ICE.Ci-iI',RGES'-'3ALANCE TRilNSFEHS.
PRINCIPAL: OLD BALANCE
PRiNCiPAL: CASH
PRiNCiPAL: PURCHASES
PRINCIPAL: BALANCE TRANSFERS
$
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
A veraaB
nAilv
Nominal
ANNUAL
ANNUAL
Pori,.,,..,i,..
Transaction
"00
DISCOVER'
CARD
Closing Date:
July 5, 2004
, BFiUCE ENSOR
acvountnumber 6011002240179119
page 2 of 2
Cash back Bonus @ Award Summary
Cashback Bonus Anniversary Date: February 5
Previous Cashback Bonus Award Balance
Purchase Award This Period
Cashback Bonus Award Total
Cashback Bonus Award Balance
Award Available to Redeem
Balance
$ 0.00
+ 0.00
0.00
0.00
0.00
$
DISCOVER
CARD
new balance
$1,725.96
05 SDSN6A01 0001808
BRUCE ENSOR
1024 TEAKWOOD LN
ENOLA PA 17025-2046
minimum payment due
$189.00
account number 6011 0022 4017 9119
enter amount enclosed below
payment due date
September 4, 2004
$[
FREE Mditional Cards for your Account
allow you to share your creait iine without
sharing 'lour Card. Call1-800-DISCOVER
or visit Cliscovercard.com/AdditionalCards to
learn more.
PO BOX 15251 11111I11",1111I,1,1,,1,1,1
WILMINGTON DE 19886-5251
1",111.'"1"1,1"1"11.,,1,1,,,1,1.',1,,,,11,1,1,,,,111,1,,1
Addrass or telephone change? Please print change in thffl space above,
or go to Discovercard.com.
000006011002240179119017259600000000018900
Discover Card Account Summary
account number
payment due date
ininimum payment due
credit/imit
credit available
qash credit limit
cash credit available
6011002240179119
September 4, 2004
$189.00
$2,000.00
$274.00
$1,000.00
$0.00
-
Closing Date: August !;, 2004
page 1 of 3
previous balance
payments and credits
purchases
cash advances
balance transfers
FINANCE CHARGES
new balance
$1,725.96
0.00
0.00
0.00
0.00
0.00
$1,725.96
+
+
+
+
=
Cashback Bonus.
AWARD
Cashbacl< Bonus@> Anniversary Date: February 5
Previous Cashbacl< Bonus Award Balance $
Purchase Award This Period +
Cashbacl<. Bonus Award Total
Redemptions This Period
Cashback Bonus Award Balance
Award Availabie to Redeem $
0.00
000
0.00
0.00
0.00
0.00
Transactions
trans. post
date dale
prevloua statement balances
FINANCE CHARGES: OLD BALANCE
FINANCE CHARGES: CASH
FINANCE CHARGES: PURCHASES
_F1N~t-JCECfi!\RGES~6!\LAI\IQE TRANSfEHS.
PRINCIPAL: OLD BALANCE
PRiNCIPAL: CASH
PRINCIPAL: PURCHASES
PRINCIPAL: BALANCE TRANSFERS
$
0.00
0.00
0.00
..0.00
0.00
0.00
0.00
0.00
DISCOVER"
CARD
It pays to
DISCevER"
BflUCE ENSOR
account number 6011002240179119
Balance Transfers are the perfect solution,
Increase your buying power, save money' and pay fewer bills,
Get what you need wilh Balance Transfers:
Take that dream vacation, redo your bathroom,
cover unexpected expenses - it's up to youl
Transfer Balances 3 easy ways:
. Call 1.866.240.7'13'1
Save money: Use D,'scover. Card Balance
Transfers fo payoff YOl'r higher-rote credit cord
occaunts, loans and bills.
f~ v:..~ us online ot
"'~ DiscoYercord.com
~)::.: Trcmfer
~ checlcs illhe mo~
Closing Date: August 5, 2004
page 2 of 3
Average
Daily
Balances
Daily
Peflodic
Rates
~~'J!Ja~L ANNUAL
PERCENTAGE PERCENTAGE
RA TES RA TES
Periodic
FINANCE
CHARGES
Transaction
Fee
FINANCE
CHARGES
DISCOVER
CARD
I Closing Date:
I August 5, 2004
I BRUCE ENSOR
I account number 6011002240179119
pa(le 3 of 3
Cash back Bonus@ Award Summary
Cashback Bonus Anniversary Date: February 5
Previous Cashback Bonus Award Balance
Purchase Award This Period
Cashback Bonus Award Total
Cashback Bonus Award Balance
Award Available to Redeem
Balance
$ 0.00
+ 0.00
0.00
0.00
0.00
$
DISCOVER'
CARD
new balance
$1,725.96
05 SDSN6A01 0001809
BRUCE ENSOR
1024 TEAKWOOD LN
ENOLA PA 17025-2046
account number 6011 0022 4017 9119
{mter amount enclosed below
minimum payment due
$224.00
$C
payment due date
October 4, 2004
~
FREE Additional Cards for your Account
allow you to share your creCit line without
sharingyour Card. CallI-BOO-DISCOVER
or visit Discovercard.comlAdditionalCards to
learn more.
PO BOX 15.:51 11I."11.,,11,,,,1.1,,1,1.1
WILMINGTON DE 19886-5251
1."11',1"'"1.'"1,,11,..',1,,,1,',1.1,,,,11,1,1,,,,111,1,,1
Address or telephone change? Please print change in the space above,
or go to Discovercard.com.
000006011002240179119017259600000000022400
Discover Card Account Summary
account number
Aayment due date
minimum payment due
credit limit
credit available
cash credillimil
cash credit available
6011 002240179119
October 4, 2004
$224.00
$2,000.00
$274.00
$1,000.00
$0.00
Closing Date: Septernber 5, 2004
page 1 of 3
+
+
+
+
$1,725.96
0.00
0.00
0.00
0.00
0.00
$1,725.96
previous balance
payments and credits
purchases
cash advances
balance transfers
FINANCE CHARGES
new balance
=
Cash back Bonus.
AWARD
Cashback Bonusl!i> Anniversary Date:
February 5
0.00
0.00
0.00
0.00
0.00
0.00
Transactions
trans. post
date date
previous statement balances
Previous Cashback Bonus ,~ward Balance $
Purchase Award This Perio,j +
Cashback Bonus Award To'lai
Redemptions This Period
Cash back Bonus Award Balance
Award Available to Redeem
$
FINANCE CHARGES: OLD BALANCE
FINANCE CHARGES: CASH
FINANCE CHARGES: PURCHASES
fJNANCEJ;HARGES: BAI,.ANCE TR~,NSFEEl_S _
PRINCIPAL: OLD BALANCE
PRINCIPAL: CASH
PRINCIPAL: PURCHASES
PRINCIPAL: BALANCE TRANSFERS
$
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
DISCOVER'
CARD
'P"Y'1o
DISCevER
BRlICE ENSOR
account number 6011002240179119
Balance Transfers are the perfect solution,
Increase your buying power, save money l~nd pay fewer bills,
Get what you need with Balonce Transfers:
Take thai dreom vacalian, redo your balhroom,
cover unexpected expenses - if's up to your
Transfer 8alatlCe5 3 easy ways:
~ Cdll.866.240.7939
Save money: Use Discover. Card Balance
Transfers 10 payoff your higher-role credit cord
accounts, loons and bills.
f~~~:~~c:.
~) ::n: TrcouIer
~ cbedcs in the man
Closing Date: September 5, 2004
page 2 of 3
Average
Daily
Balances
Daily
Penodic
Rates
~~rJG~L ANNUAL
PERCENTAGE PERCENTAGE
RATES RATES
Periodic
FINANCE
CHARGES
TransacNon
Fee
FINANCE
CHARGES
DISCOVER
CARD
! Closing Date: 'BI'lUCE ENSOR
Is t mb r5 2004 I account number 6011002240179119
ep e e , page30f3
Cash back Bonus@ Award Summary
Cashback Bonus Anniversary Date: February 5
Previous Cashback Bonus Award Balance
Purchase Award This Period
Cashback Bonus Award Total
Balance
$ 0.00
+ 0.00
0.00
0.00
0.00
$
Cashback Bonus Award Balance
Award Available to Redeem
DISCOVER
CARD
new balance
$1,725.96
05 SDSN6A01 0001810
BRUCE ENSOR
1024 TEAKWOOD LN
ENOLA PA 17025-2046
minimum payment due
$259.00
account numb.r 6011 0022 4017 9119
enreramoumencbsedbe~w
payment due date
November 4, 2004
$[
FREE Additional Cards for your Account
allow you to share your creait line without
sharing your Card. Call1.BOO-DISCOVER
or visit Discovetcard.comiAddltionalCards to
learn more.
PO BOX 15251 11I11I1111I11",,1,1,,1,1,1
WILMINGTON DE 19886-5251
1",111,1,.'"1,1,.1,,,11,,,1,1,,,1,1,1,1,,,,11,1,1,,.,111,1.,1
Address or telephone change? Please print change in the space above,
or go to Discovercard.com.
000006011002240179119017259600000000025900
Discover Card Account Summary
~ccount number
payment due date
minimum payment due
credit limit
credit available
oash cred;t limit
cash credit available
6011002240179119
November 4, 2004
$259.00
$2,000.00
$274.00
$1,000.00
$0.00
Closing Date: October 5, 2004
previous balance
payments and credits
purchases
cash advances
baiance transfers
FINANCE CHARGES
new balance
-
page 1 of 3
$1,725.96
0.00
+ 0.00
+ 0.00
+ 0.00
+ 0.00
= $1,725.96
Cashback Bonus.
AWARD
Transactions
trans. post
date date
previous stetement belances
Cashback BonuS@Anniversary Date: February 5
Previous Cashback Bonus Award Balance $
Purchase Award This Period +
Cashback Bonus Award Total
Redemptions This Period
Cashback Bonus Award Balance
Award Available to Redeem
FINANCE CHARGES: OLD BALANCE
FINANCE CHARGES: CASH
FINANCE CHARGES: PURCHASES
FJNANCE.CHARGES~BALANCE TRANSFEHS .
PRINCIPAL: OLD BALANCE
PRINCIPAL: CASH
PRINCiPAL: PURCHASES
PRINCIPAL: BALANCE TRANSFERS
$
0.00
000
0.00
0.00
0.00
0.00
$
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
DISCOVER
CARD
ftpcrysto
DISCeVER'
BRUCE EN:30R
account number 6011002240179119
Balance Tr nsfers are the rt ct solution,
Increase your buying power, save money l~nd pay fewer bills,
Get what you need with Balance T ranslers:
Take that dream vacation, redo your bathroom,
cover unexpected expenses - if's up to you I
Transfer Balcmces 3 easy ways:
~ ~ll.866.240.7939
Save maney: Use Dis<:over' Cord Balance
Transfers to pay of! your higher-rote credit cord
accounts, loons and bills.
~ v:"it us online at
~ Discaven:ard.cam
~)~;Trcmfer
~ checks in the man
Closing Dale: Octobelr 5, 2004
page 2 of 3
Average
Daily
Balances
Daily
Periodic
Rates
~'f"r1a~L ANNUAL
PERCENTAGE PERCENTAGE
RATES RATES
Periodic
FINANCE
CHARGES
Transaction
Fee
FINANCE
CHARGES
DISCOVER
CARD
Closing Date:
October 5, 2004
BRUCE ENSOR
accountnul71ber 6011002240179119
page 3 of 3
Cash back Bonus@ Award Summary
Cashback Bonus Anniversary Date: February 5
Previous Cashback Bonus Award Balance
Purchase Award This Period
Cashback Bonus Award Total
Cashback Bonus Award Balance
Award Available to Redeem
Balance
$ 0.00
+ 0.00
0.00
0.00
0.00
$
DISCOVER
CARD
new balance
$0.00
30 SDSNBAOl 0001811
BRUCE ENSOR
1024 TEAKWOOD LN
ENOLA PA 17025-2046
minimum payment due
$329.00
account number 6011 0022 4017 9119
em'er amount enclosed below
$C
payment due date
December 29, 2004
~
FREE Additional Cards for your Account
allow you to share your creW! line without
sharinqyour Card. CallI-BOO-DISCOVER
or vislfDiscovercard.com/AdditionalCards to
learn more.
PO BOX 152:51 11I."11"".11.11".1,,.11
WILMINGTON DE 19886-5251
1",111,1"1"1,'"1"11,,,1,1,,,1,1,1,1,,,,11.',1,,,,111,1,,1
Address or telephone change? Please prif1t change in the space above,
or go to Discovercard.com.
000006011002240179119000000000000000032900
Discover Card Account Summary
account number
payment due date
minimum payment due
credit Jimff
credit available
c,ash credit limit
cash credit available
6011 002240179119
December 29, 2004
$329.00
$2,000.00
$274.00
$1,000.00
$0.00
Closing Date: November 30, 2004
page 1 of 3
-
+
+
+
+
$1,725.96
1,725.96
0.00
0.00
0.00
0.00
$0.00
previous balance
payments and credits
purchases
cash advances
balance transfers
FINANCE CHARGES
new balance
=
Cash back Bonus.
AWARD
Transactions
trans. post
date date
previous statement balsnces
Cashback BonuS\!!) Anniversary Date:
February 5
Previous Cashback Bonus Award Balance $
Purchase Award This Period +
Cashback Bonus Award Totai
Redemptions This Period
Cash back Bonus Award Balance
Award Available to Redeem
$
FINANCE CHARGES: OLD BALANCE
FINANCE CHARGES: CASH
FINANCE CHARGES: PURCHASES
'. .fJr>lANC!;J~HAROES: BAlI\NCE TRANSFERS
PRiNCIPAL: OLD BALANCE
PRINCIPAL: CASH
PRINCIPAL: PURCHASES
PRINCIPAL: BALANCE TRANSFERS
tran date
Nov 30
post date
Nov 30 iNTERNAL CHARGE-OFF
0.00
0.00
0.00
0.00
0.00
0.00
$
0.00
0.00
0.00
.uO.OO
0.00
0.00
0.00
0.00
-1 ,725.96
DISCOVER
CARD
. pays ..
DISC.VEIl
BRUCE ENSOR
accountnurnber 6011002240179119
Get what you need with Balance Transfers:
Toke that dream vacation, redo your bathroom,
cover unexpected expenses - it's up fo youl
Tronsfer Balances 3 easy ways:
~ CdI1-866.240-7939
Save money: Use Disc:over" Cord Balance
Transfers fo payoff your hi9her-rate credit cord
occounts, locns and bills,
f~ VISit us onGne at
"~ Discaven:ard.cam
~::.: Trcnsfer
;j!J checks in the mail
Closing Date: November 30, 2004 page 2 of 3
Average
Daily
Balances
Daily
Penodic
Rates
~~rJn~L ANNUAL
PERCENTAGE PERCEf'lTAGE
RATES RATES
Periodic
FINANCE
CHARGES
Transaction
Fee
FINANCE
CHARGES
DISCOVER'
CARD
I Closing Date:
jNovember 30, 2004
BRUCE ENSOR
account number 6011002240179119
page 3 of 3
Cashback Bonus@ Award Summary
Cashback Bonus Anniversary Date: February 5
Previous Cashback Bonus Award Balance
Purchase Award This Period
Cash back Bonus Award Total
Cashback Bonus Award Balance
Award Available to Redeem
Balance
$ 0.00
+ 0.00
0.00
0.00
0.00
$
DISCOVER
CARD
new balance
$1,664.32
08 SDSN6A01 0001812
BRUCE ENSOR
1024 TEAKWOOD LN
ENOLA PA 17025-2046
minimum payment due
$336.36
account number 6011 00224017 9119
enter amount enclosed below
payment due date
DUE IMMEDIATELY
$[
I
FREE Aclditional Cards for your Account
aHow you to share your creait line without
sharing.your Card. Call1.800-DISCOVER
or visilDiscovercard.com/AdditionalCards to
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PO BOX 15251 1\1",11",11".1"1,,.1.11
WILMINGTON IDE 19886-5251
1,.,111,1,.1"1,1,.".11",1,1",1.1,1,1""11,1,1,,,,111,1,,1
Address or telephone change? Please print change in the space above,
or go to Discovercard.com.
000006011002240179119016643200000000033636
Discover Card Account Summary
account number
payment due date
minimum payment due
credit limit
credit availabie
cash credit limit
cash credit avallabte
6011 0022 4017 9119
February 7, 2005
$336.36
$2,000.00
$335.00
$1,000.00
$0.00
-
Closing Date: January 8, 2005
page 1 of3
previous balance
payments and credits
purchases
cash advances
balance transfers
FINANCE CHARGES
new balance
$1,725.96
61.64
+ 0.00
+ 0.00
+ 0.00
+ 0.00
= $1,664.32
Cash back Bonus.
AWARD
Cashback Bonus@Annlversary Date: February 8
Previous Cashback Bonus Award Baiance $
Purchase Award This Period +
Cashback Bonus Award T ctal
Redemptions This Period
Cash back Bonus Award! Balance
Award Available to Redeem
0.00
0.00
0.00
0.00
0.00
0.00
$
Transactions
trans. post
date date
previous statement balances
tran date
Dee 15
FINANCE CHARGES: OLD BALANCE
FiNANCE CHARGES: CASH
FINANCE CHARGES: PURCHASES
.fJN!\I'jCE.CHARGES~aALANCI; TRANSfERS
PRINCIPAL: OLD BALANCE
PRINCIPAL: CASH
PRINCIPAL: PURCHASES
PRINCIPAL: BALANCE TRANSFERS
$
0.00
0.00
0.00
.0.00
0.00
0.00
0.00
0.00
post date
Dee 15 PAYMENT. THANK YOU
-61.64
DISCOVER
CARD
"_to
DISCevER'
BRUCE ENSOR
account number 6011002240179119
Balance Tr nsfers are the rf ct solution.
Increase your buying power, save money tJnd pay fewer bills.
Get what you need with Balonce Transfers:
Take thot dream vacation, redo your bathroom,
cover unexpected expenses - if's up to youl
Tronsler Balances 3 easy ways:
~ ~11-866-240-7939
Save money: Use Dis,.over' Card Balance
Tronsfers fo payoff your higher-rofe credit card
occounts, loons and bills"
f~~~::d::
~ ::n: Trcmfer
"i!J checks in !he maU
Closing Date: January 8, 2005
page 2 ot 3
Average
Daily
Balances
Daily
Penodic
Rates
Nominal ANNUAl
ANNUAL .
PERCENTAGE PERCENTAGE
RA TES RA TES
Periodic
FINANCE
CHARGES
Transaction
Fee
FINANCE
CHARGES
)ISCOVER'
CARD
Closing Date:
January 8, 2005
BRUCE ENSOR
account number 6011002240179119
page <' of 3
Cash back Bonus @ Award Summary
Cashback Bonus Anniversary Date: February 8
Previous Cashback Bonus Award Balance
Purchase Award This Period
Cashback Bonus Award Total
Cash back Bonus Award Balance
Award Available to Redeem
Balance
$ 0.00
+ 0.00
0.00
0.00
0.00
$
VERIFICATION
The lUldersigned does hereby verify subject to the penalties of 18 Pa.C.S. Section 4904 relating to lUlsworn
falsification to authorities, he is an attorney for the Plaintiff herein; makes this Verification based upon the facts as
supplied to him by the Plaintiff and/or its agents and because the Plaitltiff is outside the jurisdiction of the court and
the Plaintiff' s Verification cannot be obtained within the time allowed for filing of this pleading, and that the facts
set forth in the foregoing pleading are true and correct to the best of his knowledge, information and belief.
~)I_.
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Date
-'
CERTIFICATE OF SERVICI~
A true and correct copy of the within Plaintiffs Motion for Summary Judgment has been served
by U.S. Mail, Postage Pre-Paid, o~ay of August 2005 upon th,~ following:
Scott A. Stein, Esquire
3800 Market Street
Camp hill, PA 17011
BY~/Z
Benjamin R Bibler, Esquire
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLV ANlA
CIVIL DIVISION
DISCOVER BANK,
Plaintiff,
Case No.: 04 - 5243
vs.
TYPE OF PLEADING:
MOTION .FOR SUMMARY
JUDGMENT
BRUCE ENSOR,
Defendant.
ORDER OF COURT
AND NOW, to-wit, this _ day of , 2005, upon this Court's consideration of
Plaintiff's Motion for Summary Judgment, IT IS HEREBY ORDERED, ADJUDGED AND DECREED
that said Motion is GRANTED and Plaintiff is awarded judgment against Defendant Bruce Ensor in the
amount of $1,725.96 with interest at the legal interest rate of 6% per annum from the date of the
judgment, plus attorneys' fees of $300.00 and costs
BY THE COURT
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PRAECIPE FOR LISTING CASE FOR ARGUMENT
(Must be typewritten and subnitted in duplicate)
TO THE PROTHONOTARY OF CUMBERLAND COUNTY:
Please list the within matter f= the next Argunent Court.
---------------------------------------------------------------------------------------
CAPTION OF CASE
(entire caption must be stated in full)
~()ve\ 6).Y\ ~
( Plaintiff)
VB.
,-)
~)V~ trD61
(Defendant)
No.~ Civil
"t'r~L(
1. State matter to be argued (Le., plaintiff's rrotion for new trial. defendant's
demurrer to complaint. etc.):
2. Identify counsel who will argue case:
Wellman, Weinberg & Reis Co LP.A.
271 8 Koppers Bldg. .,
436 7'h Avenue
Pittsburgh, PA 15219
(412) 434-7955
. <:2
~h;tt- '-~;'l r6"L
?{1X) Kcrk..."" &
C?cM ~ fl' \ \ I (l--\, \-rol!
3. I will notify all parties in writing within 1:100 days that this case has
been listed for argurent.
(a)
for plaintiff:
Address:
(h)
for defendant:
Address:
4. ArgIrnent Court Date:
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DISCOVER BANK
Plaintiff
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
v.
CIVIL ACTION
BRUCE ENSOR
Defendant
: NO. 04-5243 CIVIL TERM
DEFENDANT'S MOTION FOR CONTINUANCE
AND NOW, COMES, Defendant, Bruce Ensor, by and through his counsel and
avers the following in support of his request for a continuance:
1. On or about November 3, 2005, This Honorable Court listed the above
referenced matter for oral argument on November 23, 2005.
2. Counsel for the Defendant has a scheduling conflict on that day and time.
3. There have been no previous requests for continuance in this matter.
4. Opposing counsel, Benjamin R. Bibler, Esquire, does not concur with this
request.
THEREFORE, based upon the foregoing Motion for Continuance, Defendant
respectfully request that this matter be continued.
Respectfully submitted,
Law Offices of Peter J. Russo, P.C.
By: L~tfu/&
SCOTT A. S IN, ESQUIRE
Pa. Supreme Court #81738
PETER J. RUSSO, ESQUIRE
Pa. Supreme Court #72897
Date: If / I ({)! {! r
I I
VERIFICATION
The undersigned does hereby verify that subject to the penalties of 18 Pa. C. s.
9 4904 relating to unsworn falsification to authorities, he is an attorney for Defendant
herein; makes this Verification based upon the facts as supplied to him by the
Defendant, and that the facts set forth in the foregoing pleading are true and correct to
the best of his knowledge, information and belief.
Dated:
!f/!t'/f}S--
'! I
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Sc t A. Stein, Esquire
DISCOVER BANK
Plaintiff
v.
BRUCE ENSOR
Defendant
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION
: NO. 04-5243 CNIL TERM
CERTIFICATE OF SERVICE
I, Scott A. Stein, Esquire, counsel for Bruce Ensor, Defendant in the above-
captioned action, hereby certify that a true and correct copy of the foregoing Motion for
Continuance was served upon counsel for the Plaintiff, by depositing same in the United
States mail, first class, on November 16, 2005, addressed as follows:
Date: II I, (' It! j
/ I
Bruce R. Bibler, Esquire
Weltman, Weinberg & Reis Co., L.P.A.
2718 Koppers Building
436 Seventh Street
Pittsburgh, PA 15219
~~0:/b
-Scott A. Stein, Esquire
3800 Market Street
Camp Hill, PA 17011
Telephone: 717-591-1755
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PRAECIPE FOR LISTING CASE FOR ARGUMENT
(Must be typewritten and subnitted in duplicate)
TO THE PROTHONOTARY OF CUMBERLAND COUNTY:
Please list the within matter f= the next Argunent Court.
---------------------------------------------------------------------------------------
CAPTION OF CASE
(entire caption must be stated in full)
(~}=rovec b\J\\'~
( Plaintiff)
vs.
t;i IvCz..
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'\.j(>r
,
( Defendant)
No. '''-):;l,q,3 Civil
'n- do-.,I
1. State matter to be argued (Le., plaintiff's rrotion for new trial, defendant's
danurrer to canplaint, etc.):, ((' {' (_
~)\2, nt,,.,\_~ Me) C"(JI t'-c - ':c,.:Y\r(1(f-:j
:-J uG..<b n--ev \~
2. Identify counsel who will argue case:
(a)
for plaintiff:
l\ddress:
Wellman, Weinberg & Reis Co" LP.A.
2718 Koppers BIdg.
436 7'h Avenue
PIIIsbuIgh, PA 111219
(412) 434-7965
Q '3 _.
_:cctl ; ~''', b:s:t
~?S5'.J:J Hc,,~"')\ ,
(u'\i?t\,\\, \ /\ ,-:tu\\
3. I will notify all parties in writing W1th.in two days that this case has
been listed for a.rgunent.
(b)
for defendant:
Address :
4 . llrglrrent Court Date: :"llo. c; \ d-O(,!) (,
wdL~/y~
--~-~ - Attorney f=G.,y\J\"V.J
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DISCOVER BANK,
Plaintiff
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
vs.
CIVIL ACTION - LAW
NO. 04-5243 CIVIL
BRUCE ENSOR,
Defendant
IN RE: PLAINTIFF'S MOTION FOR SUMMARY JUDGMENT
BEFORE HESS AND OLER, J.J.
ORDER
AND NOW, this 2"1 ~ day of March, 2006, following argument thereon, the motion
of the plaintifffor summary judgment is granted. See Citibank v. Ensor, No. 05-2977 Cumbo
Cty.
Judgment is entered in favor of the plaintiff and against the defendant in the amount of
$1,725.96 with interest at the legal rate from the date of this order, plus attorney's fees of
$300.00, plus costs.
BY THE COURT,
~enjamin R. Bibler, Esquire
For the Plaintiff
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~tt A. Stein, Esquire
For the Defendant
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CNIL DNISION
DISCOVER BANK
Plaintiff
Case No.: 04-5243
TYPE OF PLEADING
vs.
PRAECIPE FOR JUDGMENT
PER ORDER OF COURT
BRUCE ENSOR
Defendant.
FILED ON BEHALF OF:
Plaintiff
COUNSEL OF RECORD OF
TillS PARTY:
William T. Molczan, Esquire
PA LD.#47437
Weltman, Weinberg & Reis Co., L.P.A.
2718 Koppers Bldg.
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR # 03860018
$2,025.96
THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED SHALL BE
USED FOR THAT PURPOSE.
.
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CNIL DNISION
DISCOVER BANK
Plaintiff
Case No.: 04-5243
vs.
BRUCE ENSOR
Defendant.
PRAECIPE FOR JUDGMENT
TO THE PROTHONOTARY:
Pursuant to Pa.R.C.P. 237, I certify that a copy of this Praecipe has been mailed to each other
party who has appeared in the action or to his/her Attorney of Record.
In light of the Court Order granting Summary Judgment in favor of Plaintiff on March 23, 2006,
kindly enter Judgment against the Defendant, BRUCE ENSOR, in the amount 0~$2,92S.'~6 computed as
follows: "II '7:l.S'.9b ;f-
Amount A warded per Order:
$1,725.96 ..;
Interest from the date of judgment
at the legal rate of 6% per annum:
$300.00
TOTAL:
$2,025.96
Attached is a copy of the Court Order in favor of Plaintiff for Judgment.
WELTMAN, WEINBERG & RBIS, CO., L.P.A.
By: it/.
William T. olc
PA 1.0.#47437
Weltman, Weinberg & Reis Co., L.P.A.
2718 Koppers Bldg.
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
Plaintiff's address is:
c/o Weltman, Weinberg & Reis, Co., L.P.A., 2718 Koppers Building, 436 7th Avenue, Pittsburgh, PA 15219
And Defendant's address is: 1024 TEAKWOOD LN., ENOLA,PA 17025
DISCOVER BANK,
Plaintiff
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
vs.
CIVIL ACTION - LAW
NO. 04-5243 CIVIL
~
IN RE: PLAINTIFF'S MOTION FOR SUMMARY JUDGMENT
BEFORE HESS AND OLER. J.J.
ORDER
AND NOW, this
27'1'
day of March, 2006, following argument thereon, the motion
of the plaintifffor summary judgment is granted. See Citibank v. Ensor, No. 05-2977 Cumbo
Cty.
Judgment is entered in favor of the plaintiff and against the defendant in the amount of
$1,725.96 with interest at the legal rate from the date ofthis order, plus attorney's fees of
$300.00, plus costs.
BY THE COURT,
Benjamin R. Bibler, Esquire
For the Plaintiff
./!~
Scott A. Stein, Esquire
For the Defendant
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
DISCOVER BANK
Plaintiff
Case No.: 04-5243
vs.
BRUCE ENSOR
Defendant.
NOTICE OF JUDGMENT OR ORDER
TO: () Plaintiff
(xx) Defendants
( ) Garnishee
You are hereby notified that the following Order or Judgment was
entered against you on fT2:11 /I J06&:'
I
(xx) Assumpsit Judgment in the arnount
of$2,025.96, plus interest at 6% per annum, plus costs.
() Trespass Judgment in the amount
of$_pluscosts.
() Ifnot satisfied within sixty (60) days, your motor vehicle
operator's license and/or registration will be suspended by
the Department of Transportation, Bureau of Traffic Safety,
Harrisburg, P A.
(xx) Entry ofJudgment of
(xx) Court Order
() Non-Pros
() Confession
() Default
( ) Verdict
() Arbitration Award
() By Consent
Prothonotary
BRUCE ENSOR
1024 TEAKWOOD LN
ENOLA,PA 17025
By:
PROT NOT
THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFO
USED FOR THAT PURPOSE.
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
DISCOVER BANK
Plaintiff
Case No.: 04-5243
vs.
BRUCE ENSOR
Defendant.
NOTICE OF JUDGMENT OR ORDER
TO: () Plaintiff
(xx) Defendants
( ) Garnishee
You are hereby notified th
entered against you on
(xx) Assumpsit Judgment in the amount
of$2,025.96, plus interest at 6% per annum, plus costs.
() Trespass Judgment in the amount
of$_ plus costs.
() If not satisfied within sixty (60) days, your motor vehicle
operator's license and/or registration will be suspended by
the Department of Transportation, Bureau of Traffic Safety,
Harrisburg, P A.
(xx) Entry of Judgment of
(xx) Court Order
() Non-Pros
() Confession
() Default
( ) Verdict
() Arbitration Award
() By Consent
Prothonotary
Scott Stein, Esquire
3800 Market Street
Camp Hill, P A 170 II
UTY)
TAINED SHALL BE
By:
PRO ONOT
THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY IN
USED FOR THAT PURPOSE.
.
~.,'"
IN ellIE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
DISCOVER BANK
Plaintiff
No. 04-5243 civil
vs.
PRAECIPE FOR SATISFACTION OF
JUDGMENT
BRLJCE ENSOR
Delendant
FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
Benjamin R. Bibler
Paid # 93598
Weltman, Weinberg &Reis ,.L.P.A.
2718 koppers Building
436 Seventh A venue
Pittsburgh, Pa 15219
(412) 434-7955
WWR No. wwr# 03860018
.
........
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
DISCOVER BANK
Plaintiff
vs.
Civil Action No. 04-5243 civil
BRUCE ENSOR
Defendant
PRAECIPE FOR SATISFACTION OF JUDGMENT
At the request of the undersigned attorneys for the Plaintitl you are directed to satisfy the above-captioned
Judgment.
WELTMAN. WEINBERG & REIS CO., L.P.A.
B
Benjamin R. Bibler
Paid # 93598
Weltman, Weinberg &Reis ,.L.P.A.
2718 koppers Building
436 Seventh Avenue
Pittsburgh, Pa 15219
(412) 434.7955
before me this __ 3{__
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NOTA\JI'l' PUBLIC
N ~VAN
NalIIIa\ ....
WI.)l1tA.JclNI,~~
~~~.J\IlI2UJ10
_bel. _ytvanle AAOdItlon d NCeiloI
WWR No. wwr# 03860018
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