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HomeMy WebLinkAbout13-4309 Supreme Court of Pennsylvania WR'R # 30120206 C A Pit SJS Court of Common Pleas Civil Cover Sheet ForProthonoraq L'se Ono C UMBERLAND County Docket No: The information collected on this form is used solely for court administration ptuposes. This form does not supplement or replace the filing and service of'pleadings or other papers as required big law or rules of court. Commencement of Action: S a Complaint ❑ Writ of Summons ❑ Petition E Transfer from Another Jurisdiction E3 eclaration of Takin C DISCOVER BANK Lead Plaintiff's Name: Lead Defendant's Name: T ROBERT GENET I 0 Are money damages requested? ® Yes ❑ No Dollar Amount Requested: ® within arbitration limits N (check one) ❑ outside arbitration limits A Is this a Class Action Suit? 13 Yes Cad No Is this an MDJ Appeal? 13 Yes Q No Name of Plaintiff /Appellant's Attorney: William T. Molczan,47437 ❑ Check here if you have no attorney (are a Self- Represented [Pro Se] Litigant) Nature of the Case Place an "X" to the left of the ONE case category that most accurately describes your PRIMARY CASE. If you are making more than one type of claim, check the one that you consider most important. TORT (do not include Mass Tort) CONTRACT (do not include Judgments) CIVIL APPEALS ❑ Intentional ❑ Buyer Protection Administrative Agencies • Malicious Prosecution ,Debt Collection: Credit Card 13 Board of Assessment • Motor Vehicle �j Debt Collection: Other ❑ Board of Elections ❑ Nuisance ❑ Dept. of Transportation S ❑ Premises Liability ❑ Statutory Appeal: Other E 13 Product Liability (does not include [3 Employment Dispute Mass tort) Discrimination C ❑ Slander/Libel/Defamation ❑ Employment Dispute: Other ❑ Zoning Board T ❑ Other: ❑ Other: I ❑ Other: O N MASS TORT ❑ Asbestos B ❑ Tobacco REAL PROPERTY MISCELLANEOUS ❑ Toxic Tort - DES ❑ Ejectment ❑ Common Law /Statutory Arbitration ❑ Toxic Tort — Implant ❑ Eminent Domain/Condemnation ❑ Declaratory Judgment ❑ Toxic Waste ❑ Ground Rent ❑ Mandamus ❑ Other: ❑ Landlord/Tenant Dispute ❑ Non - Domestic Relations ❑ Mortgage Foreclosure: Residential Retraining Order ❑ Mortgage Foreclosure: Commercial ❑ Quo Waranto ❑ Partition ❑ Replevin PROFESSIONAL LIABILITY ❑ Quiet Title ❑ Other: ❑ Dental ❑ Other: ❑ Legal ❑ Medical ❑ Other Professional: Updated 1/1/2011 NOTICE Pennsylvania Rule of Civil Procedure 205.5. (Cover Sheet) provides, in part: Rule 205.5. Cover Sheet (a)(1) This rule shall apply to all actions governed by the rules of civil procedure except the following: (i) actions pursuant to the Protection from Abuse Act, Rules 1901 et seq. (ii) actions for support, Rules 1910.1 et seq. (iii) actions for custody, partial custody and visitation of minor children, Rules 1915.1 et seq. (iv) actions for divorce or annulment of marriage, Rules 1920.1 et seq. (v) actions in domestic relations generally, including paternity actions, Rules 193 0. 1 et seq. (vi) voluntary mediation in custody actions, Rules 1940.1 et seq. (2) At the commencement of any action, the party initiating the action shall complete the cover sheet set forth in subdivision (e) and file it with the prothonotary. (b) The prothonotary shall not accept a filing commencing an action without a completed cover sheet. (c) The prothonotary shall assist a party appearing pro se in the completion of the form. (d) A judicial district which has implemented an electronic filing system pursuant to Rule 205.4 and has promulgated those procedures pursuant to Rule 239.9 shall be exempt from the provisions of this rule. (e) The Court Administrator of Pennsylvania, in conjunction with the Civil Procedural Rules Committee, shall design and publish the cover sheet. The latest version of the form shall be published on the website of the Administrative Office of Pennsylvania Courts at www.pacourts.us. OF THE PROTHONOTPARy 2013 JUL 23 AM . 21 CUMBERLAND COUNTY PENNSYLVANIA IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK ) g . Plaintiff No: y & U/ vs. COMPLAINT IN CIVIL ACTION ROBERT GENET Defendant FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: William T. Molczan,47437 WELTMAN, WEINBERG & REIS CO., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 (412) 434 -7955 FAX: 412- 338 -7130 30120206 C A Pit SJS Q IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff VS. Civil Action No ROBERT GENET Defendant COMPLAINT AND NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 249 -3166 COMPLAINT 1. Plaintiff, Discover Bank, is a banking institution organized under the laws of the State of Delaware and maintains a business address of 12 Reads Way, New Castle, DE 19720. 2. DB Servicing Corporation is the servicing affiliate for Discover Bank, f /k /a Greenwood Trust Company, an FDIC - insured Delaware State bank. As the servicing affiliate, DB Servicing Corporation performs a variety of services for Discover Bank including, business management services in support of Discover Bank business lines, including, among other things, credit cards, deposits, personal loans and student loans, customer service, collections, credit risk, collection of delinquent accounts and other support services. The collection of delinquent accounts includes the right to forward the account to the attorneys and /or collection agencies for collection and to file suit on Discover Bank's behalf. 3. At all times pertinent hereto, DB Servicing Corporation is the servicing affiliate for Discover Bank, in reference to Defendant account, which is the subject of this litigation. 4. Defendant is adult individual(s) residing at 305 W ELMWOOD AVE MECHANICSBURG, PA 17055 5. Defendant applied for and received a credit card bearing the account number XXXXXXXXXXXX7700. 6. Defendant made use of said credit card and has a current balance due of $3204.39. A copy of Plaintiff's STATEMENT is attached hereto, marked as Exhibit "1 ". 7. Defendant is in default by failing to make monthly payments when due. As such, the entire balance is immediately due and payable to Plaintiff. 8. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and /or refused to pay the balance due the Plaintiff. WHEREFORE, Plaintiff prays for Judgment in its favor and against Defendant, ROBERT GENET, INDIVIDUALLY, in the amount of $3204.39 with interest at the statutory rate of 6.00 o per annum from date of judgment and costs. William T. Molczay,47437 WELTMAN, WEINBE & REIS CO., L.P.A. 436 Seventh Ave ue, Suite 1400 Pittsburgh, PA 15219 (412) 434 -7955 FAX: 412- 338 -7130 WWR# 30120206 C A Pit SJS This law firm is a debt collector attempting to collect this debt for our client and any information obtained will be used for that purpose. Discover More Card Account number ending in 7700 Open Date: Feb 17, 2013- Close Date: Mar 16, 2013 Cardmember Since 2012 Page 1 of 4 ACCOUNT SUMMARY PAYMENT INFORMATION Previous Balance $3,206.69 New Balance $3 ,20439 Payments and Credits — $65.00 Minimum Payment Due $650.00 Purchases + $0.00 Payment Due Date April 11. 2013 Balance Transfers + $0.00 ' Includes post due amount of: $567.00 Cash Advances + $0.00 Fees Charged + $35.00 Late Payment Woming: If we do not receive your minimum payment by the Interest Charged + $27.70 date listed above, you may have to pay a late fee of up to $35.00 and your New Balance $3,204.39 purchase and balance transfer APRs for neriftarisactions may be increased up to the Penalty APR of 23.999'o variable. See Interest Charge Calculation section following the Minimum Payment Warning: If you make only the minimum payment each Transactions section for detailed APR information period, you will pay more in interest and R will take you longer to pay off your Credit Line $3,000 balance. For example: Credit Line Available $0 Yeti wp5ya}e Mstalfd`zr ng K aitd eac�t �'st ni crn ffdsf, ayt o psfima tolpi� Cash Advance Credit Line $1,500 Pa!`r _ siat$tnentahaut' d y l Cash Advance Credit Line Available $0 Only the minimum a ent 10 ears r $6458 You may be able to avoid interest on Purchases. If you would like information about credit counseling services, call 1- 800 - 347 -1121 See reverse for details. REWARDS Contact Us Discover.com Cashback Bonus® Anniversary Month 1- 800 - 347 -2683 May Opening Balance $ 0.00 See "Information For You" section for important information New Cashbock Bonus This Period + $ 0.00 regarding Your Billing Rights. Redeemed This Period — $ 0.00 Please make check payable to Discover. You ore overlimit. Cashback Bonus Balance $ 0.00 Pay the sum of the Minimum Payment Due plus the To learn more, log in at Discover.com remaining overlimit amount of $204.39. Make Check payable to Discover. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Please fold on the perforation below, detach and return with your payment. a �l�I{�tllltye ne. Account number ending in 7700 tPlo�ase dottotfold, cLp or.stap1e #D1soY6rcotttsr 1.80tl,347 ?683 „ Minimum Payment Due $650.00 rllllllrl��l�lrl�ll����llll' III 'lllli��lln��dl�ll�l�rlllr��lll New Balance $3,204.39 Payment Due Date April 11, 2013 ROBERT GENET 305 W ELMWOOD AVE Amount endosed $ MECHANICSBURG PA 17055 -4126 PO BOX 71084 CHARLOTTE NC 28272 -1084 301 20nd Internet payments must be received by 5PM ET to be credited as of the some day. Address, e-mail or telephone changed? Note changes on reverse side. 000001986456300501178032043900175000065000 EXHIB9 ROBERT GENET Account number ending in 7700 Open Date: Feb 17 2013 Close Date: Mar 16, 2013 Page 2 of 4 Important Information You must ensure that sufficient funds are available in your bank account, and See your Cardmember.Agreement. Your Cordmember Agreement contains all transactions must comply with U.S. law. all the terms of your Account. Report immediately! Call 1 ••800 - 347 -2683. You can set automatic payments fors statement New Balance, (ii) statement Lost or stolen cards. Re Po Y Minimum Payment Due, (iii) statemen Minimum Payment Due plus a fixed What To Do If You Think You Find A Mistake On Your Statement dollar amount, or (iv) Other dollar amount. If Your scheduled "Other dollar If you think there is an error on your statement, write to us of.- Discover, PO amount" payment is not enough to cover the Minimum Payment Due as listed Box 30421, Salt Lake City, UT 84130 -0421 Yov must write to vs within 60 on your monthly billing statement, your scheduled payment for that month days after the error appeared on your statement. You may call us, but if you will be increased to cover the Minimum Payment Due. 4 the scheduled do we are not required to invest sg ote any potential errors, and you moy hove payment is greater than the Minimum Payment Due, any excess will be to pay the amount in question. The Billing Rights Notice further explains your applied in accordance with your Cordmember Agreement. If your scheduled rights. Please see your Cordmember Agreement or visit payment is greater than the New Balance on your billing statement, that https : / /d;scover.com/billingrights for a copy of this notice. payment will be processed only for the amount of your New Balance. Your automatic payment amount moy be Mess than the amount indicated on the Payments. You may pay all or part of your Account balance at any time. billing statement based on credits or payments after the Close Date. However, you must pay at least the Minimum Payment Due by the Payment If ou enroll hone in our automatic payment service, lease fill - in the Due Date. Send only your payment and the bottom portion of this statement y by p p in the envelope provided. Do not send cash. If you pay by check, you following blanks below and retain the authorization for your records. authorize us to use information on your check to make an electronic fund Amount: 0 Full Pay 0 Min Pay Min Pay+ $ transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. If a payment is processed 0 Other Amount$ ; Bank Routing #: ; as an electronic fund transfer, the transfer will be for the amount of the Bank Account # a., check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the some Monthly ori'the 0 Payment Due Date / 0 Close Date day we receive your payment, and you will not receive your check back from ❑ Day of month (insert date) your financial institution. The processing of your payment may be delayed if you send cash, Credit Reporting. We moy_report information about your Account to credit correspondence or other items with your payment, it you send the payment to bureaus. Lotepoyments, missed payments, or other defaults on your Account any other address or if you use an envelope other than the one provided. may be reflected in your credit report. We normally report the status and Payments received in proper form at our processing facility by 5PM local time payment history of your Account to credit reporting agencies each month. 9 on any day will be credited to your Account as of that day. Payments received you believe that our report is inoccu rate or incomplete, please write us at the at our processing facility after SPM local time will be t credited to your Account following address: Discover, PO Box 15316, Wilmington, DE 19850 -5316. Please include your name, address, home telephone number and Account as of the next day. If you have misplaced your envelope send your payment to Discover, PO Box 6103, Carol Stream, IL 60197.6103. Please allow 7.10 number. days for delivery. If your payment is returned un paid, we reserve the right to paying Interest. Your due date is at least 25 days after the close of each resubmit it as on electronic debit. Payments mode online or by phone will be billing period (at least 23 days for billing periods that begin in February). We credited as of the day of receipt if made by 5 PM Eastern time. will not charge you any interest on Purchases if you pay your entire balance You con pay your monthly Minimum Payment Due, or o greater omount.thot by the due date each month. We will begin charging interest on Cash does not exceed your current Account balance,' over the telephone or you can Advances and Balance Transfers as of the later of the Transaction Date or the setup automatic payments through a customer service representative by first day of the billing period in which the transaction posted to your Account. calling 1 -800- 347 -2683. Automatic payments for the billing period shown How We Calculate Interest Charges. We Use the Dail Balance Method on your statement will be deducted on the Payment Due Date shown on es. that g y statement, or the next automatic payment date referred to on your statement, (including current transactions) to calculate the Balance Subject to Interest unless you request a recurring payment date (e.g., the 15 day of the month) Rate. For more information, please call us at 1.800- 347 -2683. that occurs before your Payment Due Date or Close Date. H your scheduled payment date falls on a weekend or bank holiday, your payment will be Balance Subject to Interest Rate. Your statement shows a Balance Subject processed the business dory prior io the weekend or bank holiday. In order to to Interest Rate. It shows this for each transaction category. The Balance schedule monthly payments by telephone, you will need this statement and Subject to Interest Rate is the average of the daily balances during the billing YO ur bank account information. You will be asked to provide the lost four (4) period. digits of the sociol security number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeing to this Credit Balances. If your Account has a credit balance, the amount is shown authorization to allow us and your bank to deduct each payment you on the front of your billing statement. A credit balance is money that is owed authorize, in the amount selected by you, from your bank account. You also to you. You may make charges against this amount if your Account is open. authorize us to initiate debit or credit entries to your bank occount, as We will send you a refund of any remaining balance of $1.00 or more after applicable, to correct an error in the processing of such p ayment. You can 6 months, or as otherwise required by applicable low, or upon request made concel a scheduled payment by phone of 1 -800- 347 -2683 or by moil at to the address in the Contact Us section on page 3 of your billing statement. Discover, PO Box 30421, Salt Lake City, UT 84130 -0421; however, we must Discover may monitor and /or record telephone calls between you and receive notice at least three business days in advance of the scheduled Discover representatives for quality assvrance purposes. payment. If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it The DiscoverOJ card is issued by Discover Bank, Member FDIC. TL23N will be. CHANGE OF ADDRESS If correct on frond, do not use. Please print clearly in blue or block ink, in the space provided. Street Address Home Phone Work Phone City Email 012�28s To make changes to your address, email or telephone number, visit Discover.com Continued on next page Discover More Card Account number ending in 7700 Open Date: Feb 17, 2013 Close Date: Mar 16, 2013 Page 3of4 CONTACT US 0 Web ® Mobile © Phone Inquiry 0 Mail Payments Access your ! Manage your 1 -800- DISCOVER Discover Discover account securely account anytime, (1- 800 - 347 -2683) PO Box 30943, PO Box 6103 at Discover.com anywhere at TDD 1-800-347-7449 Soft Lake City Carol Stream m.Discover.com UT 84130 IL 60197 -6103 Transactions Trans. Date Post Date Payments and Credits Feb 19 Fe 19 REFUND OF FEES $ -65.00 Fees Mar 11 Mar 11 LATE FEE $ 35.00 TOTAL FEES FOR THIS PERIOD 35.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 0.00 INTEREST CHARGE ON CASH ADVANCES 27.70 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOA THIS PERIOD 27.70 2013 Totals Year -to -Date TOTAL FEES CHARGED IN 2013 $ 105.00 TOTAL INTEREST CHARGED IN 2013 $ 89.65 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 28 days ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchases 0.00% $1,654.73 $0.00 Cash Advances 23.9995 V $1,504.95 $27.70 V= Vorioble Rate Information For You Your Billing Rights- Keep This Document For Future Use This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. What To Do If You Find A Mistake On Your Statement N you think there is an error on your statement, write to us at: Discover,PO Box 30421,Solt Lake City, UT 84130 -0421 In your letter, give us the following information: Account information Your name and account number. Dollar amount The dollar amount of the suspected error. Description of problem If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us: Within 60 days after the error appeared on your statement. At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. You must notify us of any potential errors in writing You may call us, but if you do we ore not required to investigate any potential errors and you may have to pay the amount in question. What Will Happen After We Receive Your Letter When we receive your letter, we must do two things: 1 Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. While we investigate whether or not there has been an error We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. While you do not have to pay the amount in question, you are responsible for the remainder of your balance. 301 2020epply any unpaid amount against your credit limit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION ROBERT GENET Account number ending in 7700 Open Date: Feb 17, 2013 Close Date: Mar 16 2013 Page 4 of 4 Information For You Continued After we finish our investigation, one of two things will happen: If we mode a mistake You will not have to pay the amount in question or any interest or other fees related to that amount. If we do not believe there was a mistake You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think yov owe. If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay..If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the•nome of anyone tc�4om we reported you as delinquent, and we must let those orgonizotions know when the matter has been settled between us. If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question..even if your bill is correct. Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credifi card, and you hove tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount dve on the purchase. To use this right, all of the following must be true: 1 The purchase must have been mode in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on on advertisement we moiled to -you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advonces from an ATM or with a check that accesses your credit card account do not quo lify. 3. You must not yet have fully paid for the purchase. If oil of the criteria above are met and you are still dissotisfied with the purchase, contact us ' iii writing at: Discover PO Box 30945 Sok Lake City, UT 84130 -0945 While we investigate, the some rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe on amount and you do'not pay, we may report you as delinquent. 30120206 VERIFICATION (Narne) G� f T e) of DB Servicing Corporation, servicing affiliate of Discover Bank does hereby verify, under penalty of perjury and subject to the penalties of 18 Pa. C.S. § 4904 relating to unsworn falsifications to authorities states, that he /she is a duly authorized representative of plaintiff herein. Additionally, he /she verifies that Discover Bank, f/k/a Greenwood Trust Company, which is an FDIC- insured Delaware state bank, lacks sufficient knowledge or information to verify this complaint. He /she verifies that he /she is authorized to make this verification. As an employee of DB Servicing Corporation, he /she has sufficient knowledge and information to make this verification, and consequently verifies that the facts set forth in the foregoing complaint are true and correct to the best of his/her knowledge and information and that he /she is personally familiar with the account and the relationship between Discover Bank and DB Servicing Corporation. It is further stated that Discover Bank and DB Servicing Corporation extend credit through issuance of the Discover Card. As the servicing affiliate, DB Servicing Corporation performs a variety of services for Discover Bank, including business management services in support of Discover Bank business lines, including, among other things, credit cards, deposits, personal loans and student loans, customer service, collections, credit risk, collection of delinquent accounts and other support services. The collection of delinquent accounts includes the right to forward the same to the attorneys and/or collection agencies for collection and to file suit on Discover Bank's behalf. Both DB Servicing Corporation and Discover Bank are wholly owned subsidiaries of Discover Financial Services. Date (Si n e) e g� servicing affiliate For Discover Bank PO Box 3025 New Albany, OH 43054 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith; Chief Deputy 2013 AUG V6 AF1 10: 06 Richard W Stewart Solicitor OFFICE OF WE SIKFIP: M LI7-E��"rrs`jjL/i H.D�y(ikk0,�j l—1 Y PE:NNSYLVAMIA Discover Bank vs. Case Number Robert Genet 2013-4309 SHERIFF'S RETURN OF SERVICE 08/13/2013 06:58 PM- Deputy Amanda Cobaugh, being duly sworn according to law, served the requested Complaint&Notice by handing a true copy to a person representing themselves to be Chris Genet, son, who accepted as"Adult Person in Charge"for Robert Genet at 305 W. Elmwood Avenue, Mechanicsburg Borough, Mechanicsburg, PA 17055. l,*1 0n f�� T Q AMANDA COBAUGH, DEPUTVJ SHERIFF COST: $50.30 SO ANSWERS, Ile- t August 14, 2013 RON R ANDERSON, SHERIFF (c)CountyS.ulle Shoriff,TeleosoR,Inc. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff C113 No.: 13-4309 Civil C5 C5 VS. rn Cn ANSWER TO COMPLAINT Z"j -0 cnr- Ci) ROBERT GENET C-> Defendant =C:) Aa CA THE DEFENDANT ROBERT GENET'S ANSWER TO COMPLAINT Defendant specifically denies each and every allegation and requests strict proof thereof. An amended answer will be filed shortly to address each allegation individually. Dat 2013. Robert Genet CERTIFICATE OF SERVICE A copy of this answer was served upon Plaintiff's attorney at the following address: William T. Molczan WELTMAN,WEINBERG&REIS CO.,L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 By ordinary U.S.Mail,this day of Est, 2013. Signature: Robert Genet `j° 31/0 ev ,c4•(', 4%11 '/ (Address) l Cr► /yDh 1—„c%c�c� c e K� C Pv (Phone) !13( 33 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, c) PENNSYLVANIA CIVIL DIVISION rri Pl F DISCOVER BANK Civil Action No. 13-4309 <c”, _ , Plaintiff > mac° 7",f <1'.) c? VS. ANSWER TO COMPLAINT C: ; • ROBERT GENET IN CIVIL ACTION �; '� - Defendant DEFENDANT ROBERT GENET'S ANSWER TO PLAINTIFF'S COMPLAINT IN CIVIL ACTION Defendant, Robert Genet answers the Complaint in Civil Action filed by Plaintiff, Discover Bank, as follows: 1. Defendant has no sufficient knowledge or information to form a belief as to the truth or falsity of the allegations contained in Paragraph 1 and 2 of the Complaint. 2. Answering to Paragraph 3 of the Complaint, Defendant submits that Defendant never opened an account with Plaintiff as alleged. Defendant has no sufficient knowledge or information to form a belief as to the truth or falsity of the remaining allegations contained in Paragraph 3 of the Complaint. Plaintiff has failed to submit valid account opening application form duly signed by the Defendant and other valid documentary evidence to prove that Defendant had an account with Plaintiff. 3. Defendant admits Paragraph 4 of the Complaint. 4. By specifically denying the allegations contained in Paragraph 5,6 and 7 of the Complaint, Defendant submits that Defendant never applied for or received a credit card bearing the account number XXXXXXXXXXXX7700. Defendant never made use of credit card as alleged. Further, Defendant does not owe Plaintiff in the amount of $3204.39 as alleged. There is no valid agreement between Defendant and Plaintiff on the alleged credit account or credit card. Plaintiff has failed to present a signed copy of the credit card agreement made between Plaintiff and Defendant, credit card application Civil Action No. 13-4309 Robert Genet—Answer Page 1 of 5 i duly signed by Defendant, receipts, bills and other valid evidence to prove its allegations. In this regard, in the case of CitiBank South Dakota v. Whiteley, Missouri Court of Appeals, Southern District, Division Two, 2004(Exhibit `A') it has been stated as follows: "To recover on a suit on account, a Plaintiff nzust show an offer, an acceptance, and consideration between the parties as well as the correctness of the account and the reasonableness of the charges." It further states as follows: "Such evidence consists of proof that: I) Defendant requested Plaintiff to furnish merchandise or services; 2)Plaintiff accepted the offer of the Defendant by furnishing such merchandise or services;and 3)the charges were reasonable." Therefore, the burden of proof is on Plaintiff to submit valid documentary evidence to prove its allegations contained in Paragraph 5, 6 and 7 of the Complaint. Further, Defendant challenges the veracity of Exhibit "1" attached to the Complaint. 5. By specifically denying the entire allegations contained in Paragraph 8 of the Complaint, Defendant reiterates that Defendant does not owe the amount to Plaintiff as alleged. There is no valid agreement between Defendant and Plaintiff on the alleged credit account or credit card. Defendant never received demand for payment from Plaintiff. Defendant demands valid documentary evidence like signed copy of credit card agreement made between Plaintiff and Defendant, credit card application duly signed by Defendant, proof of service of demand for payment made to Defendant and other relevant documentary evidence to prove its allegations contained in Paragraph 8 of the Complaint. 6. Plaintiff prays for Judgment in its favor and against Defendant, ROBERT GENET, INDIVIDUALLY, in the amount of$3204.39 with interest at the statutory rate of 6.00% per annum from date of judgment and costs. Plaintiff fails to establish its prayer by providing legally sufficient supporting documents. Therefore, this Court may kindly deny Plaintiff's prayer. GENERAL DENIAL 7. Defendant specifically denies each and every allegation contained in the Complaint in Civil Action not specifically heretofore admitted, denied, or otherwise controverted. FIRST AFFIRMATIVE DEFENSE 8. The service of process was insufficient/improper. Civil Action No. 13-4309 Robert Genet—Answer Page 2 of 5 SECOND AFFIRMATIVE DEFENSE 9. Plaintiff has failed to state a claim against Defendant for which a relief can be granted. THIRD AFFIRMATIVE DEFENSE 10. Plaintiff has failed to satisfy all requirements and conditions precedent to the institution of this action. FOURTH AFFIRMATIVE DEFENSE 11. Defendant did not agree to pay the amount to Plaintiff as per any agreement. FIFTH AFFIRMATIVE DEFENSE 12. Defendant invokes the Doctrine of Unclean Hands as Defendant alleges that Plaintiff acted in a dishonest, misleading or fraudulent manner with respect to the disputes at issue in this case. SIXTH AFFIRMATIVE DEFENSE 13. Plaintiff and Plaintiff's attorneys and agents with the consent of Plaintiff, have violated the Fair Debt Collection Practices Act (FDCPA) by, among other things, improperly and wrongfully contacting/harassing Defendant and not properly validating the debt allegedly due. SEVENTH AFFIRMATIVE DEFENSE 14. A violation of the FDCPA is, among other things, a denial of the due process rights guaranteed to Defendant. EIGHTH AFFIRMATIVE DEFENSE 15. Defendant reserves the right to add additional affirmative defenses as discovery progresses. 16. Responses to requests for production of documents should be delivered to the address of the Defendant as stated in this answer or as on file with the court in this matter. WHEREFORE, Defendant respectfully submits to the Court as under: 1. Plaintiff's Complaint in Civil Action should be rejected. 2. Necessary costs should be awarded to Defendant. 3. Such other relief be granted to Defendant as to this Honorable Court deems .us Date: Ste. , 2013. October $, �oi3 Signature of Defendant: Robert Genet Civil Action No. 13-4309 Robert.Genet—Answer Page 3 of 5 VERIFICATION Defendant does hereby verify subject to the penalties of 18 Pa. C.S. §4904 relating to unsworn falsification to authorities that the answer provided above are true and correct to the best of Defendant's knowledge, information and belief. Date: gamer , 2013. 0 ckol3$ 242.013 Signature of Defendant: p A_ Robert Genet Civil Action No. 13-4309 Robert Genet—Answer Page 4 of 5 a • • CERTIFICATE OF SERVICE A copy of this Answer was served upon Plaintiff's attorney at the following address: William T.Molczan WELTMAN,WEINBERG&REIS CO., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 By ordinary U. S. Mail,this day of Member, 2013. rk-/ 0<�ubeie Signature: Civil Action No. 13-4309 Robert Genet—Answer Page 5 of 5 ' 1 � Exhibit `A' CITIBANK SOUTH DAKOTA v. WHITELEY CITIBANK (SOUTH DAKOTA) N.A., A Bank Corporation, Plaintiff-Respondent, v. Danny H. WHITELEY, Defendant-Appellant. No. 25925. -- November 23, 2004 Daniel T. Moore, Moore &Walsh, L.L.P., Poplar Bluff, for appellant.Mayer S. Klein, Michael J. Payne, Frankel, Rubin, Bond, Dubin, Siegel & Klein, P.C., St. Louis, for respondent. Citibank (South Dakota) N.A., (plaintiff) brought a suit on account against Danny H. Whiteley (defendant). The case was heard by the trial court without a jury. Judgment was entered for plaintiff in the amount of$4,218.58 principal, interest in the amount of $728.14, and costs. Defendant appeals. This court reverses and remands with directions. Plaintiffs petition alleged defendant was "indebted to it on account of goods, services and/or merchandise provided by Plaintiff at Defendant's instance and request"; that "*t+he charges for said goods, services and/or merchandise provided by Plaintiff to Defendant *were+ reasonable." Plaintiff alleged that payment was demanded but had been refused.1 Plaintiff called an employee, Paula Sullinger, as a witness. Ms. Sullinger stated she was "a manager in the recovery unit" located in Kansas City. Ms. Sullinger identified plaintiff as a banking corporation authorized to do business in Missouri. Ms. Sullinger testified, over the objection of defendant, that although there was no documentation of a credit card account, she had knowledge that defendant maintained a credit card account with plaintiff. She testified, over the objection of defendant, that an account maintained by plaintiff revealed a balance owed by defendant. Ms. Sullinger explained, again over defendant's objection, that charges were posted to accounts based upon notification by merchants of charges made by a cardholder; that any documentation for a charge belonged to the merchant and was not maintained by plaintiff. • Ms. Sullinger was asked whether she had knowledge about what goods were purchased by defendant for which charges were made to the account plaintiff sought to collect. She had no knowledge concerning what defendant would have purchased from a particular merchant. Ms. Sullinger had no knowledge whether charges were fair and reasonable. No other evidence was offered on the question of reasonableness of charges. Ms. Sullinger was asked the following questions and gave the following answers about the nature of plaintiff's business. Q. My question is, you, being Citibank of South Dakota, didn't provide any merchandise, did you? A. No. Q. You didn't provide any goods to the defendant, did you? A. No, just a service. Q. And you didn't come out and perform any services for the defendant and charge him for that, did you? A. No, just paid the merchants for him. Defendant asserts one point on appeal. He argues the trial court erred in granting judgment for plaintiff on its suit on account "because there was no evidence to support the judgment in that *plaintiff] failed to prove that *defendant+ received any goods, services or merchandise provided by *plaintiff+." Defendant contends further that there was no evidence that anything plaintiff claims defendant received was reasonable in cost. Defendant further asserts that any theory of recovery plaintiff may assert, other than the suit on account it pleaded, would constitute a variance to which plaintiff timely objected at trial. "A suit on open account means a suit in contract for each purchase transaction." Medicine Shoppe International, Inc. v. Mehra, 882 S.W.2d 709, 713 (Mo.App.1994). To recover on a suit on account, a plaintiff must show an offer, an acceptance, and consideration between the parties as well as the correctness of the account and the reasonableness of the charges. Welsch Furnace Co., Inc. v. Vescovo, 805 S.W.2d 727, 728 (Mo.App.1991). "Such evidence consists of proof that: 1) Defendant requested plaintiff to furnish merchandise or services; 2) plaintiff accepted the offer of the defendant by furnishing such merchandise or services; and 3) the charges were reasonable." Id. Even if this court were to accept plaintiffs assertion that providing credit to a credit card holder amounted to providing a service for purposes of maintaining a suit on account, an issue this court need not and does not address, the evidence was silent as to the reasonableness of any charge that was made to defendant. A party bringing a cause of action cannot prevail if one or more elements of the cause of action are not supported by substantial evidence. Vintila v. Drassen, 52 S.W.3d 28, 38 (Mo.App.2001); Mills Realty, Inc. v. Wolff, 910 S.W.2d 320, 322 (Mo.App.1995). Further, as asserted by defendant, defendant scrupulously objected throughout the trial to any evidence that was outside plaintiffs pleadings. Defendant's point is granted. The judgment is reversed. The case is remanded. The trial court is directed to enter judgment for defendant. FOOTNOTES 1. Plaintiff's attorney assured the trial court at the commencement of trial that plaintiff had no credit card agreement signed by defendant; that plaintiff was "suing on an account theory, suit on account." SHRUM and BARNEY, JJ., concur. f . IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, C) Plaintiff, No. 13-4309-CIVIL t, ;— TYPE OF PLEADING: rn r vs. REPLY TO NEW MATTER C -a (T) m ROBERT GENET FILED ON BEHALF OF: -< ry -r Defendant. Plaintiff COUNSEL OF RECORD OF THIS PARTY: William T.Molczan,Esquire PA I.D.#47437 Weltman,Weinberg&Reis Co.,L.P.A. 1400 Koppers Bldg. 436 Seventh Avenue Pittsburgh,PA 15219 (412)434-7955 WWR No. 30120206 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, Plaintiff, No. 13-4309 vs. ROBERT GENET, Defendant. REPLY TO NEW MATTER AND NOW COMES, Plaintiff, by and through its Counsel, Weltman, Weinberg & Reis, Co., L.P.A., and hereby files this Reply to Defendant's New Matter in the above-referenced matter. In support thereof,Plaintiff avers as follows: 8-16. The averments contained in Paragraphs 8 through 16 constitute conclusions of law to which no response is required. WHEREFORE, Plaintiff respectfully requests that this Honorable Court find in favor of the Plaintiff and against the Defendant. Respectfully Submitted: WELTMAN,WEINBERG&REIS, CO.,L.P.A. By: 4".44 William T. Molczan squire PA I.D.#47437 Wellman,Weinberg&Reis Co.,L.P.A. 1400 Koppers Bldg. 436 Seventh Avenue Pittsburgh,PA 15219 (412)434-7955 WWR No. 30120206 4 i 4 CERTIFICATE OF SERVICE A true and correct copy of said Plaintiff's Reply to New Matter has been served by First Class Mail,Postage Pre-Paid,on the ?) day of � O2 ,2013,upon the following: Robert Genet 63410 Generals Hwy P.O.Box 858 Kings Canyon National Park, CA 93633 Robert Genet 305 W.Elmwood Avenue Mechanicsburg,PA 17055 /' By: ti.1 William T. Mol n,Esquire PA I.D.#4743 Weltman,Weinberg&Reis Co.,L.P.A. 1400 Koppers Bldg. 436 Seventh Avenue Pittsburgh,PA 15219 (412)434-7955 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, Plaintiff, Case No.: 13-4309 CIVIL vs. MOTION FOR SUMMARY JUDGMENT ROBERT GENET, FILED ON BEHALF OF: Defendant. Plaintiff COUNSEL OF RECORD OF THIS PARTY: William T. Molczan, Esquire PA ID# 47437 Weltman,Weinberg & Reis CO L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 WWR# 30120206 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, Plaintiff, Case No.: 13-4309 CIVIL vs. ROBERT GENET, Defendant. MOTION FOR SUMMARY JUDGMENT AND NOW COMES, Plaintiff, by and through its counsel, Weltman, Weinberg & Reis, Co., L.P.A., and hereby files this Motion for Summary Judgment against the Defendant. In support thereof, Plaintiff avers as follows: 1. Plaintiff filed a Complaint against Defendant seeking judgment in the amount of $3,204.39 with interest at the interest rate of 6.00% per annum from the date of judgment, and costs. A true and correct copy of the Complaint is attached hereto as Exhibit "A" and made a part hereof. 2. Attached to the Complaint was Verification from an authorized representative of Plaintiff verifying the accuracy of the amount sought. See Exhibit "A". 3. Defendant filed an Answer to Plaintiffs Complaint. A true and correct copy of the Answer is attached hereto as Exhibit "B" and made a part hereof. 4. On or around February 17, 2014, Plaintiff served upon Defendant a set of requests for admissions and requests for production of documents. A true and correct copy of the same is attached hereto as Exhibit "C" and made a part hereof. 5. No response to the discovery demands has been received from the Defendant. 6. The requests for admissions are now deemed admitted under Pennsylvania Rule of Civil Procedure 4014(b). Thus Defendant has admitted that he applied for, received and made use of the credit card; that the statements attached to Plaintiffs Discovery Request correctly identify the payments and/or WWR# 30120206 credits, purchases and/or balance transfers and/or cash advances, and interest rates; that he has not submitted any written disputes as to billing inaccuracies; that the account accrued interest at a variable rate; that he has made no payment on the credit card since July 31, 2012; and that $3,204.39 is a correct and accurate balance on the credit card account. 7. By way of his Answer, the documents attached to this Motion, and the Requests for Admissions, deemed admitted under Pa.R.C.P. 4014(b), the Defendant has admitted all facts material to this matter and verified the amount owed. 8. There are no meritorious defenses against this action and Plaintiff is entitled to summary judgment as a matter of Law against defendant. WHEREFORE, Plaintiff respectfully requests that this Honorable Court grant summary judgment in favor of Plaintiff and against Defendant for $3,204.39 with interest at the legal interest rate of 6.00% per annum from the date of judgment, and costs. Respectfully Submitted: By: a tr William T. Molczan, E:./ wire PA ID# 47437 Weltman,Weinberg & Reis CO L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 WWR# 30120206 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff No: vs. COMPLAINT IN CIVIL ACTION ROBERT GENET Defendant FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: William T. Molczan,47437 WELTMAN, WEINBERG & REIS CO., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 (412) 434-7955 FAX: 412-338-7130 30120206 C A Pit SJS EXHIBIT i\- IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION Civil Action No COMPLAINT AND NOTICE TO DEFEND DISCOVER BANK Plaintiff vs. ROBERT GENET Defendant You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 COMPLAINT 1. Plaintiff, Discover Bank, is a banking institution organized under the laws of the State of Delaware and maintains a business address of 12 Reads Way, New Castle, DE 19720. 2. DB Servicing Corporation is the servicing affiliate for Discover Bank, f/k/a Greenwood Trust Company, an FDIC -insured Delaware State bank. As the servicing affiliate, DB Servicing Corporation performs a variety of services for Discover Bank including, business management services in support of Discover Bank business lines, including, among other things, credit cards, deposits, personal loans and student loans, customer service, collections, credit risk, collection of delinquent accounts and other support services. The collection of delinquent accounts includes the right to forward the account to the attorneys and/or collection agencies for collection and to file suit on Discover Bank's behalf. 3. At all times pertinent hereto, DB Servicing Corporation is the servicing affiliate for Discover Bank, in reference to Defendant account, which is the subject of this litigation. 4. Defendant is adult individual(s) residing at 305 W ELMWOOD AVE MECHANICSBURG, PA 17055 5. Defendant applied for and received a credit card bearing the account number XXXXXXXXXXXX7700. 6. Defendant made use of said credit card and has a current balance due of $3204.39. A copy of Plaintiff's STATEMENT is attached hereto, marked as Exhibit "1". 7. Defendant is in default by failing to make monthly payments when due. As such, the entire balance is immediately due and payable to Plaintiff. 8. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and/or refused to pay the balance due the Plaintiff. WHEREFORE, Plaintiff prays for Judgment in its favor and against Defendant, ROBERT GENET, INDIVIDUALLY, in the amount of $3204.39 with interest at the statutory rate of 6.00 % per annum from date of judgment and costs. A.//6 1� Wi liam T. Molcz-',47437 WELTMAN, WEINBE& REIS CO., L.P.A. 436 Seventh Ave ue, Suite 1400 .Pittsburgh, PA 15219 (412) 434-7955 FAX: 412-338-7130 WWR# 30120206 C A Pit SJS This law firm is a debt collector attempting to collect this debt for our client and any information obtained will be used for that purpose. ACCOUNT SUMMARY Previous Balance $3,206.69 Payments and Credits — $65.00 Purchases + $0.00 Balance Transfers + $0.00 Cash Advances + 80.00 Fees Charged + $35.00 Interest Charged + 827.70 New Balance $3,204.39 See (merest Charge Calculation section following the Transactions section for detoiled APR information Credit Line Credit Line Available Cosh Advance Credit Une Cash Advance Credit Une Avoiloble You may be able to avoid interest on Purchases. See reverse for details. $3,000 $0 $1,500 $0 r Contact Us Discover.com 1-800-347-2683 See "Information For You" section for important information regarding Your Billing Rights. 1 Please make check payable to Discover. You are overlimft. Pay the sure of the Minimum Payment Due plus the remaining overlimit amount of 8204.39. Make Check payable to Discaer. Please fold on the perforation below, detach and return with your payment. Discover More Card Account number ending in 7700 Open Date: Feb 17, 2013- Close Dote: Mer 16, 2013 Cordmember Since 2012 Poge 1 of 4 PAYMENT INFORMATION New Balance Minimum Payment Due • Payment Due Date • Includes past due amount of $3,204.39 8650.00 April 11, 2013 $567.00 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35.00 and your purchase and balance transfer APRs for newiionsactions may be increased up to the Penalty APR of 23.99% variable. Minimum Payment Warning: If you make only the minimum payment each ,period; you will pay more in interest and it will take you longer to pay off your balance. For example: 5 On k the minimum payment 10 years $6,458 If you would like information about credit counseling services, coil 1-800-347.1121 REWARDS Cashback Bonus® Opening Balance Anniversary Month May 0.00 New Cashback Bonus This Period + $ 0.00 Redeemed This Period — $ 0.00 Cashback Bonus Balance $ 0.00 To leom more, log in at Discover.com NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION .11111IsiIIIuIil1llIII 1lllls1111.11flk1sllss11sl111111,ylls1dtl ROBERT GENET 305 W ELMWOOD AVE MECHANICSBURG PA 17055-4126 Efi 30120298.nd Internet payments must be received by 5PM ET to be credited as of the same day. Address, e-mail or telephone changed? Note changes on reverse side. Account number ending in 7700 Minimum Payment Due $650.00 New Balance $3,204.39 Payment Due Date April 11, 2013 Amount enclosed $ PO BOX 71084 CHARLOTTE NC 28272-1084 111111"1111'11"1111111611111"111111111111111111111"111"1" 000001986456300501178032043900175000065000 EXHIBIT w, ROBERT GENET Account number ending in 7700 Important Information See your Cardmember.Agreement. Your Cordmember Agreement contains oil the terms your Account. Lost or stolen cards. Report immediately) Call 1-800-347-2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at: Discover, PO Box 30421, Solt Loke City, UT 84130-0421 You must write to us within 60 days after the error appeared on your statement. You may coil us, but if you do we are not required to investigate any potential errors, and you may have to pay the amount in question. The Billing Rights Notice further explains your rights. Please see your Cordmember Agreement or visit https://discover.com/billingrights for a copy of this notice. Payments. You may pay all or part of your Account balance at any time. However, you must pay at least the Minimum Payment Due by the Payment Due Dote. Send only your payment and the bottom portion of this statement in the envelope provided. Do not send cosh. If you pay by check, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as o check transaction. If a payment is processed as an electronic fund transfer, the transfer will be for the amount of the check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the some day we receive your payment, and you will not receive your check back from your financial instit tion. The processing of your payment may be delayed if you send cosh, correspondence or other items with your payment, it you send the payment to any other address or if you use an envelope other than the one provided. Payments received in proper form at our processing facility by 5PM locol,time on any day will be credited to your Account os of that day. Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day. If you have misplaced your envelope,send your payment to Discover, PO Box 6103, Carol Stream, IL 60197.610. Please allow 7.10 days for delivery. if your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. Payments mode online or by phone will be credited as of the day of receipt if mode by 5 PM Eastern time. You con pay your monthly Minimum Payment Due, or d greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1-800-347-2683. Automatic payments for the billing period shown on your statement will be deducted on the Payment Due Dote shown on' hat statement, or the next automatic payment date referred to on your statement, unless you request o recurring payment date (e.g., the 15'" day of the month) that occurs before your Payment Due Date dr Close Date. If your scheduled payment date falls on a weend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bunk account information. You will be aske8to prpvide the lost four (4) digits of the social security number of the primary borrower. By providing those numbers os your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account. You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment. You con cancel o scheduled payment by phone of 1.800-347-2683 or by moil at Discover, PO Box 30421, Soh Lake City, UT 84130-0421; however, we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be mode and how much it will be. CHANGE OF ADDRESS Open Date: Feb 17, 2013 Close Date: Mar 16, 2013 Page 2 of 4 You must ensure that sufficient funds ore available in your bank account, and all transactions must comply with U.S. law. You can set automatic payments for (i) statement New Balance, (ii) statement Minimum Payment Due,iii) statement Minimum Payment Due plus o fixed dollar amount, or (rv) Other dollar amount. ff your scheduled "Other dollar omounr payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. If your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the billing statement based on credits or payments after the Close Date. If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records. Amount: 0 Full Pay ° Min Pay . 0 Min Pay+ 3 Other Amounts ; Bank Routing #: Bank Account Monthly on -the 0 Payment Due Dote ❑ Close Date © Day of month (insert date) Credit Reporting. We mayiejpo/t information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account be reflected in your credit report. We normally report the status and pnt history of your Account to credit reporting agencies each month. If you believe that our report is inoccurote or incomplete, please write us at the following address Discover, PO Box 15316, Wilmington, DE 19850-5316. Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will not charge you any interest on Purchases if you pay your entire balance by the due dote each month. We will begin charging interest on Cash Advances and Balance Transfers os of the later of the Transaction Date or the first day of the billing period in which the transection posted to your Account. How We Calculate Interest Charges. We Use the Doily Balance Method (including current transactions) to calculate the Balance Subject to Interest Rote. For more information, Please call us at 1-800-347-2683. Balance Subject to Interest Rote. Your statement shows o Balance Subject to Interest Rote. It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. Credit Balances. If your Account has o credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make chornes against this amount Hr Account is open. We will send you a refund of any remaining balance of $ .00 or more after 6 months, or os otherwise required by applicable low, or upon request mode to the oddress in the Contact Us section on page 3 of your billing statement. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover@ card is issued by Discover Bank, Member FDIC. TL23N If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Street Address City 30116166 Home Phone Work Phone Email To make changes to your address, email or telephone number, visit Discover.com Continued m next page Discover More Card Account number ending in 7700 Open Dote: Feb 17, 2013 Close Date: Mar 16, 2013 Page 3 of 4 CONTACT US 0 Web Access your account securely at Discover.com 4 Mobile Manage your account anytime, anywhere at m.Discover.com Phone 1 -800 -DISCOVER (1-800-347-2683) TDD 1 .B00-347-7449 Inquiry Mail Payments Discover Discover PO Box 30943 PO Box 6103 Solt Lake City Carol Stream UT 84130 IL 60197-6103 Transactions Trans. Date Post Date Payments and Crecits Feb 19 Feb 19 REFUND OF FEES $ -65.00 Fees Mar11 Mar11 LATE FEE TOTAL FEES FOR THIS PERIOD $ 35.00 35.00 Interest Charged INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FORTHIS PERIOD 0.00 27.70 0.00 27.70 2013 Totals Year -to -Date TOTAL FEES CHARGED IN 2013 TOTAL INTEREST CHARGED IN 2013 $ 105.00 $ 89.65 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 28 days ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchases 0.00% $1,654.73 $0.00 Cash Advances 23.99% V $1,504.95 $27.70 V=Variable Rate Information For You Your Billing Riahts: Keep This Document For Future Use This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. What To Do If You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at: Discover,PO Box 30421,Solt Lake City, UT 84130-0421 In your letter, give us the following information: Account information: Your name and account number. Dollar amount: The dollar amount of the suspected error. Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it iso mistake. You must contact us: Within 60 days after the error appeared on your statement. At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. You must notify us of any potential errors in writing. You may call us, but if you do we ore not required to investigate any potential errors and you may hove to pay the amount in question. What Will Happen After We Receive Your Letter When we receive your letter; we must do two things: 1 Within 30 days of receiving your letter, we must tell you That we received your letter. We will also tell you if we have already corrected the error. 2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. While we investigate whether or not there has been an error! We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. While you do not hove to pay the amount in question, you are responsible for the remainder of your balance. 301 20zeepply any unpaid amount against your credit limit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION ROBERT GENET Account number ending in 7700 Open Dote: Feb 17, 2013 Close Date: Mar 16, 2013 Page 4 of 4 Information For You Continued After we finish our investigation, one of two things will happen: If we mode a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you os delinquent if you do not pay the amount we thinkyou owe. If you receive our explanation but still believe your bill is wrong, you must write to us within 10 does telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you ore questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the rules above, you do not hove to pay the first $50 of the amount you questioneven if your bill is correct. Your Rights If You Are Dissatisfied With Your Credit Cord Purchases If you ore dissatisfied with the goods or services that you have purchased with your credit card, and you hove tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1 The purchase must have been mode in your home state or within 100 miles of your current moiling address, and the purchase price must hove been more than $50. (Note: Neither of these ore necessary ii your purchase was based on an advertisement we moiled to.you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from on ATM or with a check that occesses your credit cord account do not quolify. 3. You must not yet hove fully poid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us irk writin at: Discover PO Box 30945 Solt Lake City, UT 84130-0945 While we investigate, the some rules apply lathe disputed amount os discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do'not pay, we may report you os delinquent. 301 20206 I. (Name) VERIFICATION T e) of DB Servicing Corporation, servicing affiliate of Discover Bank does hereby verify, under penalty of perjury and subject to the penalties of 18 Pa. C.S. § 4904 relating to unsworn falsifications to authorities states, that he/she is a duly authorized representative of plaintiff herein. Additionally, he/she verifies that Discover Bank, f/kJa Greenwood Trust Company, which is an FDIC -insured Delaware state bank, lacks sufficient knowledge or information to verify this complaint. He/she verifies that he/she is authorized to make this verification. As an employee of DB Servicing Corporation, he/she has sufficient knowledge and information to make this verification, and consequently verifies that the facts set forth in the foregoing complaint are true and correct to the best of his/her knowledge and information and that he/she is personally familiar with the account and the relationship between Discover Bank and DB Servicing Corporation. It is further stated that Discover Bank and DB Servicing Corporation extend credit through issuance of the Discover Card. As the servicing affiliate, DB Servicing Corporation performs a variety of services for Discover Bank, including business management services in support of Discover Bank business lines, including, among other things, credit cards, deposits, personal loans and student loans, customer service, collections, credit risk, collection of delinquent accounts and other support services. The collection of delinquent accounts includes the right to forward the same to the attorneys and/or collection agencies for collection and to file suit on Discover Bank's behalf. Both DB Servicing Corporation and Discover Bank are wholly owned subsidiaries of Discover Financial Services. ng-Ctirporation servicing affiliate For Discover Bank PO Box 3025 New Albany, OH 43054 Robcri Genet (Address) (Phone) ($./ U evrer - (4) .4 KiA.-s (t?P,yO�. ,,� fk� iIrk , C R- C - IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff vs. ROBERT GENET Defendant Civil Action No. 13-4369 ANSWER TO COMPLAINT IN CIVIL ACTION DEFENDANT ROBERT GENET'S ANSWER TO PLAINTIFF'S COMPLAINT IN CIVIL ACTION Defendant, Robert Genet answers the Complaint in Civil Action filed by Plaintiff, Discover Bank, as follows: 1. Defendant has no sufficient knowledge or information to form a belief as to the truth or falsity of the allegations contained in Paragraph 1 and 2 of the Complaint. ?. Answering to Paragraph 3 of the Complaint, Defendant submits that Defendant never opened an account with Plaintiff as alleged_ Defendant has no sufficient knowledge or information to form a belief as to the truth or falsity of the remaining allegations contained in Paragraph 3 of the Complaint Plaintiff has failed to submit valid account opening application form duly signed by the Defendant and other valid documentary evidence to prove that Defendant had an account with Plaintiff. 3. Defendant admits Paragraph 4 of the Complaint. 4. By specifically denying the allegations contained in Paragraph 5,6 and 7 of the Complaint. Defendant submits that Defendant never applied for or received a credit card bearing the account number XXXXXXXXXXXX7700. Defendant never made i'se of credit card as alleged. Further, Defendant does not owe Plaintiff in the amount of $32C4.39 as alleged. There is no valid agreement between Defendant and Plaintiff tin the alleged credit account or credit card. Plaintiff has failed to present a signed copy of the credit card agreement made between Plaintiff and Defendant, credit card application Civil Action No. 13-4309 Robert Genet— Answer Page I of 5 EXHIBIT duly signed by Defendant, receipts, bills and other valid evidence to prove its allegations. In this regard, in the case of Citil3ank South Dakota v. Whiteley, Missouri Court of Appeals, Southern District, Division Two, 2004(Exhibit 'A') it has been stated as follows: "To recover art a suit on account, a Plaintiff must show an offer, an acceptance, and consideration between the parties as well as the correctness of the account and the reasonableness of the charges." It further states as follows: "Such evidence consists of proof that: 1) Defendant requested Plaintiff to furnish merchandise or services; 2) Plaintiff accepted the offer of the Defendant by farnishing such merchandise or services; and3) the charges were reasonable." Therefore, the burden of proof is on Plaintiff to submit valid documentary evidence to prove its allegations contained in Paragraph 5, 6 and 7 of the Complaint. Further, Defendant challenges the veracity of Exhibit "1" attached to the Complaint. 5, By specifically denying the entire allegations contained in Paragraph 8 of the Complaint, Defendant reiterates that Defendant does not owe the amount to Plaintiff as alleged. There is no valid agreement between Defendant and Plaintiff on the alleged credit account or credit card. Defendant never received demand for payment from Plaintiff, Defendant demands valid documentary evidence like signed copy of credit card agreement made between Plaintiff and Defendant, credit card application duly signed by Defendant, proof of service of demand for payment made to Defendant and other relevant documentary evidence to prove its allegations contained in Paragraph R of the Complaint. 6. Plaintiff prays for Judgment in its favor and against Defendant, ROBERT GENET, I', INDIVIDUALLY, in the amount of S3204.39 with interest at the statutory rate of 6.00% per annum from date of judgment and costs. Plaintiff fails to establish its prayer by providing legally sufficient supporting documents. Therefore, this Court may kindly deny Plaintiffs prayer. GENERAL DENIAL 7. Defendant specifically denies each and every allegation contained in the Complaint in Civil Action not specifically heretofore admitted, denied, or otherwise controverted. FIRST AFFIRMATIVE DEFENSE The service of process was insufficientlimproper. Civil Action No. 1S-4309 Robert Genet— Answer Page 2 of 5 SECOND AFFIRMATIVE DEFENSE 9. Plaintiff has failed to state a claim against Defendant for which a relief can be granted. THIRD AFFIRMATIVE DEFENSE 10. Plaintiff has failed to satisfy all requirements and conditions precedent to the institution of this action. FOURTH AFFIRMATIVE DEFENSE 11. Defendant did not agree to pay the amount to Plaintiff as per any agreement. FIFTH AFFIRMATIVE DEFENSE 12. Defendant invokes the Doctrine of Unclean Hands as Defendant alleges that Plaintiff acted in a dishonest, misleading or fraudulent manner with respect to the disputes at issue in this case. SIXTH AFFIRMATIVE DEFENSE 13. Plaintiff and Plaintiff's attorneys and agents with the consent of Plaintiff. have violated the Fair Debt Collection Practices Act (FDCPA) by, among other things, improperly and wrongfully contactingfharassing Defendant and not properly validating the debt allegedly (Inc. SEVENTH AFFIRMATIVE DEFENSE 14. A violation of the FDCPA is, among other things, a denial of the due process rights guaranteed to Defendant. EIGHTH AFFIRMATIVE DEFENSE 15. Defendant reserves the right to add additional affirmative defenses as discovery progresses. 16. Responses to requests for production of documents should be delivered to the address of the Defendant as stated in this answer or as on file with the court in this matter. VV'IIEREFORE. Defendant respectfully submits to the Court as under: I. Plaintiffs Complaint in Civil Action should be rejected. 2. Necessary costs should be awarded to Defendant. 3. Such other relief be granted to Defendant as to this Honorable Court deems just. Date: September , 2013. Civil Action No, 13-4309 Signature of Defendant; 1 Robert Genet Robert genet— Answer Page 3 of 5 VERIF'IC.ATION Defendant does hereby verify subject to the penalties of 18 Pa. C.S. §4904 relating to unsworn falsification to authorities that the answer provided above are true and correct to the best of Detendant's knowledge, information and belief. Date: September , 20 13. Civil Action No. 13-4309 Signature of Defendant - 1. Robert Genet Robert Genet— Answer Page 4 of 5 CERTIFICATE OF SERVICE A copy of this Answer was served upon Plaintiff's attorney al the following address: William T. Molczan WELTMAN, W INBERG & REIS CO,, L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 By ordinary U. S. Mail, this. _day of September, 2013 Civil Action No. 134309 Signature: 1' Robert Genet— Answer Page 3 of 5 Exhibit 'A' CITIBANK SOUTH DAKOTA v. WHITELEY CITIBANK (SOUTH DAKOTA) N.A., A Bank Corporation, Plaintiff -Respondent, v. Danny H. WHITELEY, Defendant -Appellant. No. 25925. -- November 23, 2004 Daniel T. Moore, Moore &Walsh, L.L.P., Poplar Bluff, for appellant.Mayer S. Klein, Michael J. Payne, Frankel, Rubin, Bond, Dubin, Siegel & Klein, RC., St. Louis, for respondent. Citibank (South Dakota) N.A., (plaintiff) brought a suit on account against Danny H. Whiteley (defendant). The case was heard by the trial court without a jury. Judgment was entered for plaintiff in the amount of $4,218.58 principal, interest in the amount of $728.14, and costs. Defendant appeals. This court reverses and remands with directions. Plaintiffs petition alleged defendant was "indebted to it on account of goods, services and/or merchandise provided by Plaintiff at Defendant's instance and request"; that "t+he charges for said goods, services and/or merchandise provided by Plaintiff to Defendant "were+ reasonable." Plaintiff alleged that payment was demanded but had been refused./ , Plaintiff called an employee, Paula Sullinger, as a witness. Ms. Sullinger stated she was `a manager in the recovery unit" located in Kansas City. Ms. Sullinger identified plaintiff as a banking corporation authorized to do business in Missouri. Ms. Suilinger testified, over the objection of defendant, that although there was no documentation of a credit card account, she had knowledge that defendant maintained a credit card account with plaintiff. She testified, over the objection of defendant, that an account maintained by plaintiff revealed a balance owed by defendant. Ms. Sullinger explained, again over defendant's objection, that charges were posted to accounts based upon notification by merchants of charges made by a cardholder; that any documentation for a charge belonged to the merchant and was not maintained by plaintiff. Ms. Sullinger was asked whether the had knowledge about what goods were purchased by defendant for which charges were made to the account plaintiff sought to collect. She had no knowledge concerning what defendant would have purchased from a particular merchant. Ms. Sullinger had no knowledge whether charges were fair and reasonable. No other evidence was offered on the question of reasonableness of charges. Ms. Sullinger was asked the following questions and gave the following answers about the nature of plaintiffs business. 0. My question is, you, being Citibank of South Dakota, didn't provide any merchandise, did you? A. No. 0. You didn't provide any goods to the defendant, did you? A. No, just a service. 0. And you didn't come out and perform any services for the defendant and charge him for that, did you? A. No, just paid the merchants for him. Defendant asserts one point on appeal. He argues the trial court erred in granting judgment for plaintiff on its suit an account "because there was no evidence to support the judgment in that *plaintiff} failed to prove that *defendant+ received any goods, services or merchandise provided by *plaintiff+:' Defendant contends further that there was no evidence that anything plaintiff claims defendant received was reasonable in cost. Defendant further asserts that any theory of recovery plaintiff may assert, other than the suit on account it pleaded, would constitute a variance to which plaintiff timely objected at trial. `A suit on open account means a suit in contract for each purchase transaction." Medicine Shoppe International, Inc. v. Me17ra, 882 S.W.2d 709, 713 (Mo,App.1994)_ To recover on a suit on account, a plaintiff must show an offer, an acceptance, and consideration between the parties as well as the correctness of the account and the reasonableness of the charges. Welsch Furnace Co., Inc. v. Vescovo, 805 S.W.2d 727, 728 (Mo.App,1991). "Such evidence consists of proof that: 1) Defendant requested plaintiff to furnish merchandise or services; 2) plaintiff accepted the offer of the defendant by furnishing such merchandise or services; and 3) the charges were reasonable." Id. Even if this court were to accept plaintiffs assertion that providing credit to a credit card holder amounted to providing a service for purposes of maintaining a suit on account, an issue this court need not and does not address, the evidence was silent as to the reasonableness of any charge that was made to defendant. A party bringing a cause of action cannot prevail if one or more elements of the cause of action are not supported by substantial evidence. Vintila v. Drassen, 52 S.W.3d 28, 38 (Mo,App.2001); Mills Realty, Inc. v. Wolff, 910 S.W.2d 320, 322 (Mo.App.1995). Further, as asserted by defendant, defendant scrupulously objected throughout the trial to any evidence that was outside plaintiffs pleadings. Defendant's point is granted. The judgment is reversed. The case is remanded. The trial court is directed to enter judgment for defendant. FOOTNOTES 1. Plaintiffs attorney assured the trial court at the commencement of trial that plaintiff had no credit card agreement signed by defendant; that plaintiff was 'suing on an account theory, suit on account." SHRUM and BARNEY, JJ,, concur. IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION DISCOVER BANK Plaintiff, v. ROBERT GENET, Defendant. NO.: 13-4309 CIVIL PLAINTIFF'S FIRST REQUEST FOR ADMISSIONS AND REQUEST FOR PRODUCTION OF DOCUMENTS Plaintiff demands that the defendants answer and respond to the following Request for Production of Documents under oath pursuant to the Pennsylvania Rules of Civil Procedure within 30 days from the date of service hereof. Plaintiff also demands that defendants answer and respond to the following Request for Admissions pursuant to Pa. Rules of Civil Procedure 4014. You are requested to admit the truth of each of the statements of fact hereinafter stated. You are instructed that: 1. These requests are made under Pennsylvania Rules of Civil Procedure 4001, et seq., and each of these matters of which an admission is requested shall be deemed admitted unless your sworn statement in compliance with such Rules is timely made. 2. If you do not admit each of such statements, you must specifically deny each one not admitted or set forth in detail the reasons why you cannot truthfully either admit or deny each such matter. 3. Your answer, signed and properly verified, must be delivered to the undersigned attorney of record for the Plaintiff within thirty (30) 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 full or as to all items, then answer separately as to each part or item. 6. If you have been sued in more than one capacity or if your answers would be different if answered in any different capacity, such as partner, agent, corporate officer or director or the like, then you are requested to answer separately in each such capacity. Failure to do so constitutes an admission in any such capacity. EXHIBIT 7. In these Requests for Admissions: A. The word "person(s)" means all entities, and, without limiting the generality of the foregoing, includes natural persons, joint owners, associations, companies, partnerships, joint ventures, trusts, and estates; B. The word "document(s)" means all written, printed, recorded, graphic, or photographic matter, or, sound reproductions, however produced or reproduced, pertaining to any manner to the subject matter indicated; C. The words "identity", "identify", "identification", when used with respect to a person(s) means to state the full name and present or last known address and business address of such person(s) and, if an actual person, his present or last known job title, and the name and address of his present or last known employers; D. The words "identity", "identify" "identification", when used with respect to a date, subject matter, name(s) or person(s) that wrote, signed initialed, dictated or otherwise participated in the creation of the same, the name(s) of the addressee or addressees if any and the name(s) and address(es) of each person who have possession, custody, and control of said document(s). If any such document was, but is no longer in your possession, custody, or control, or in existence, state the date and manner of its disposition; and E. The word "identify", when used with respect to an act (including an alleged offense), occurrence, statement, or conduct (hereinafter collectively called "act"), means to (1) describe the substance of the event or events constituting such an act, and to state the date when such act occurred; (2) identify each and every persons). 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. REQUEST FOR PRODUCTION OF DOCUMENTS 1: Produce any and all documents evidencing proof of all payments on the subject credit card referenced in the Complaint, including, but not limited to, cancelled checks, receipts, coupons, statements, accountings, memoranda, invoices, financial statements, accounting entries, diaries, charts, lists, phone records, data compilations etc. REQUEST FOR PRODUCTION OF DOCUMENTS 2: Produce any and all documents you intend to introduce and/or provide testimony on as evidence at the time of trial. REQUEST FOR PRODUCTION OF DOCUMENTS 3: Produce all documentary evidence or information substantiating the defenses asserted in your Answer. REQUEST FOR ADMISSION NO. 1: Attached as Exhibit "1", Defendant applied for the credit card referenced in the Plaintiff's Complaint. Admitted Denied If the answer to Request for Admissions No. 1 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO.2: Defendant received and used the credit card referenced in the underlying action. Admitted Denied If the answer to Request for Admissions No. 2 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO. 3 The purchases and/or balance transfers and/or cash advances listed on the monthly statements, dated June 16, 2012 through March 16, 2013, attached hereto as Exhibit "2", are correctly identified for the underlying credit account. Adm itted Denied If the answer to Request for Admissions No. 3 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO. 4: The payments and/or credits listed within the monthly statements attached hereto as Exhibit "2" are correctly identified for the underlying credit account. Admitted Denied If the answer to Request for Admissions No. 4 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO. 5: Defendant has made no payment on the credit card since July 31, 2012. Admitted Denied If the answer to Request for Admissions No. 5 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO.6: The credit card account which is the subject of the underlying action accrued interest at a variable rate. Admitted Denied If the answer to Request for Admissions No. 6 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO. 7: The interest rates listed within the monthly statements attached hereto as Exhibit "2" correctly identify the interest rates for the underlying credit account. Admitted Denied If the answer to Request for Admissions No. 7 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO. 8: Defendant has not submitted any written dispute as to billing inaccuracy concerning the credit card in question. Admitted Denied If the answer to Request for Admissions No. 8 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO. 9: $3,204.39 is a correct and accurate current balance of the credit card account in question. Admitted Denied If the answer to Request for Admissions No. 9 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. William -. Molcza squire Pa. I.D. #47437 Weltman, Weinberg & Reis Co., L.P.A. 1400 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 W WR:30120206 DEFENDANT'S VERIFICATION 1, , (please print) under penalty of perjury and subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities verify that the foregoing Responses are true and correct to the best of my knowledge, information and belief. Date Signature CERTIFICATE OF SERVICE A true and correct copy of Plaintiff's First Request for Production of Documents and Request for Admissions has been served by U.S. Mail, on the J7 day of 2014, upon the following: Mr. Robert Genet 305 W. Elmwood Avenue Mechanicsburg, PA 17055 B FOCUS SESSION 2- ASHLEY AGAR - Fri Oct 4 09:28:53 MDT 2013 (naxp342.na.discovertinancial.com) Page I of 4 Navigation Links Id: 121231253259100 4-6.- 0 En FA 1 WORK STATE: 101 INACTIVE I Find (Fit) Status: I Qwer CA1PF: Time On App: SEC Application Summary Were OM addllitI Account Info Reyfew Rule, App Type: INDIVIDUAL Name: ROBERT GENET Sam 1.1.111111ft Day: 521 Dob07/05/ 1961 Slctd: PE DISCOVER MORE Mmn: ELRI Approved: PE DISCOVER MORE H: (717) 691 • 0801 Amount $3,000.00 Email: GENETR@VERIZONTIET B: (717)846 - 5000 Acq Meth: DIRECT MAIL 0: 0 - Status: BOOKED ABodr: 305 W ELM WOOD AV Hold Date: 05/06(2012 MECHANICSBURG, PA 17055 - 4126 Bt $0.00 HISTORY APPLICATION BUREAU SUMMARY ALTERNATIVE OFFER ACTIVITY CODE Too (Alt -G1 Primary [Alt -pt Employer [Alt -El Income [Alt -I1 Student [Alt -S1 Product [Alt -01 Misc (Aft -Al Campaign ID: BEV, Message: RATE LOOKUP - REQUESTED CAMPAIGN IS EXPIRED Location CREDIT CRO Image iof Source mod # Application Loan Type: INDIVIDUAL Product: DISC No Rewards Card Type: 000001 Campaign I Card Une Group: ce. Card Option:30 Receive 1/ 1 Date: / 1 Special Handling Manual Fraud i Acct#: 6011-0007-522B-7700 coov to clipboard Pro/tied: Merchant Id: Primary Applicant Name Title First Em ad Middle Last esign: No Yes Suffix Number Street Type Direction AI pt P IRR A PO Box Military Branch hup://focus2.na.discoverfinancial.com/focus/viewFullApplication.do 10/4/2013 EXHIBIT FOCUS SESSION 2 - ASHLEY AGAR - Fri Oct 4 09:28:53 MDT 2013(naxp342.na.discovertinancial.com) Page 2 of 4 Current Address Gty Time@Address nyrrmo State PA Zip Residence Type Monthly Hsng OWN $I Country USA Perm/ Physical Address Number Street Type Direction Apt # RR a PO Box Military Branch City State Zip Country PA - r— USA how Primary Previous Address Home#I - -�-I SSN-I--I Bus # - - DOB / / US OhmN Name Changed Other #11--- - I--- Age [—yr fmo Permanent Res N Spousal Sale Other #21-- - - � MMN Us Visa Expired Campaign Other #3I- - - I Dependents Employer Occupation Employer I Length of Employment I- yr mo Address Contact City I Employee Id: I-- Employment Status: EMPLOYED FULL-TIME State/Zip ... I - 1 ---- Education Level: SOME COLLEGE OR ASSOCIATE DEGREE Income Pri Occ: EDUC Bus Occ: OTHR Income $ I ANNUALLY Inferred: $ 0 Other Income Reminder proy ACCEPTABLE sources can be entered in Other http://focus2.na.discoverfinancial.com/focus/viewFullApplication.do 10/4/2013 FOCUS SESSION 2 - ASHLEY AGAR - Fri Oct 4 09:28:53 MDT 2013(naxp342.na.discoverfinancialcom) Page 3 of 4 Income Field such as Alimony, Child Support, Investment Income, and Rental Income. Income from Spouse/Domestic Partner can ONLY be Induded for WI/AZ/CA/ID/LA/NV/NM/TX/WA residents. Other Income INOT GIVEN $ Checking YES CHECKING ACCs EXISTS Savings YES SAVINGS ACC? EXISTS now will you manage your oarancer I PLAN TO SOMETIMES CARRY A BALANCE FROM MONTH TO MONTH Source I Add -On Product Authorized Buyer Language Channel Enroll Status Delete 7 First Name: ( MI; Last Name: Suffix: Relationship: I Balance Transfer g I Referral Indicator ... Referred By I Student Information Ref Tracking Student Nun -Student Yr in Schoo Name Name School I Reference I Address Line I Address Line 1. City City State Zip I I I State Zip r- Relationship Phone �'I I -I -I http://focus2.na.discoverfinancial.com/focus/viewFullApplication.do 10/42013 FOCUS SESSION 2 - ASHLEY AGAR - Fri Oct 4 09:28:53 MDT 2013(naxp342.na.discoverfinancial.com) Page 4 of 4 ACT Code r ----Graduation Date mo 1— yr Major' Degreel Student IDI Product Requested Product DISC Term 0 Amount $ I Rate I Purpose I Variable I Miscellaneous Information Payment $ I Balance $ I Base Rate MONTHLY Source IP Priority r— Driver's License External Cycle Coder— Product 11D Offer Embossing I Approved Option Code CLS I Sale r— OFAC r - Test 000 - NON -TEST ACCT PLS State Relative Name Relative Addr Line 1 1 city I State/Zipr— Relationship Phone r' - r— - DLP Routing Code NP Routing Code http://focus2.na.discoverfinanciai.com/focus/viewFullApplication.do 10/4/2013 DISC VER Net, Balance $2,945.74 ROBERT GENET 305 W ELMWOOD AVE MECHANICSBURG PA 17055-4126 Minimum Payment Due S59.00 Payment Due Dale July II, 2012 Address, e-mail or telephone changer, Go to www.Discover.com or print change in space above Account Number ending in 7700 Enter Amount Enclosed Below Pay online at www Discover corn or make check payable to Discover Phone and Internet payments must be made by 5 OOpm ET for same day posting PO BOX 71084 CHARLOTTE NC 28272-1084 000001986456300479680029457400000000005900 Opening Date: May 3, 2012 - Closing Date: June 16, Discover More Card Account Summary Account number ending in 7700 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Intere3 Charged New Balance $0 00 0 00 + 1.551 73 + 0 00 + 1,30000 + 6500 + 2901 $2,945 74 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $3,000 00 $54 00 $1,50000 $54 00 You may be able to avoid Interest Charges, see Additional Important Information for details Cashback Bonus' Anniversary Month May Opening Cashback Bonus Balance $ 000 New Cashback Bonus This Period 5% Cashback Bonus Everywhere Else Cashback Bonus Balance tb learn mcoe inn n of www,Discover.com + 47 75 + 148 $ 49.23 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Coll 1 -800 -DISCOVER (1-800.347-2683) Please have your Drscoverr?card available 3 Write to us at Discover, PO Box 30943. Salt Lake City, UT 84130 (Nat a payment address) For payments, please send to address on remittance or Discover, PC) Box 6103, Carol Stream, IL 60197-6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1.800.347.7449 page 1 of 2 Payment Information New Balance $2,945 74 Minimum Payment Due $5000 Payment Due Date July 11, 2012 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 23 99% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example 1 f you make no additional charges using thi; card and each month you pay You will pay off the balance shown .on this statement in about And you will end up paying on estimated total of Only the minimum payment 11 years $6,695 $106 3 years $3,806 (Savings = $2,889 ) f you would Irke information about credit counseling services, call 1-800-347-1121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth more S." —find easy ways to earn and redeem cash rewords NEW) Access your account securely through your mobile phone Transactions Merchandise 30120206 Trans. Date May 12 May 13 May 13 May 15 Post Date May 12 DICK'S SPORTINGGOODS HAMPDEN TOWNSPA May 13 RITE AID MECHANICSBURGPA May 13 RITE AID MECHANICSBURGPA May 15 WINE & SPIRITS 6709 YORK PA $ 64 16 11 88 201. 139 27T NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER. EXHIBIT Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadable, password protected statements • See your statement as soon as it's available rather than wait far it to arrive in your mailbox, • Get helpful payment reminders through e-mail or text messages on your mobile phone • Print a paper copy of your statement anytime • Sign up today at Discover.com/paperless '.bnnba� icr YAV'tk (l IV Transactions (cont.) Merchandise Restaurants Gasoline Automotive Cash Advances Supermarket Trans. Post Dale Date May 15 May 15 RITE AID YORK PA May 15 May 15 WAL•MART SC • 41 seo MECHANICSBURGPA May 15 May 15 VILLA MEDUSA YORK PA May 15 May 15 0201 SHEETZ MECHANICBURG PA May 16 May 16 0201 SHEETZ MECHANICBURG PA May 12 May 12 MECHANICSBURG AUTO PARTS MECHANICSBURGPA May 16 May 16 PEOPLES BANK YORK PA May 12 May 12 WEGMANS 445 MECHANICSBURGPA 5 94 8792 95500 6 95 5 90 73 38 1,300 00 199 32 Fres May 16 May 16 CASH ADVANCE FEE $ 65 00 TOTAL FEES FOR THIS PERIOD 65.00 Interest Charged INTEREST CHARGE ON PURCHASES S 0 00 INTEREST CHARGE ON CASH ADVANCES 29 01 INTEREST CHARGE ON BALANCE TRANSFERS 000 TOTAL INTEREST FOR THIS PERIOD 29.01 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 S 65 00 TOTAL INTEREST CHARGED IN 2012 29 01 30120206 Questions? Visit www.Discover.com or call I -800 -DISCOVER (1-800.347-2683. DISCOVER DISC VER pays to DISC VER ROBERT GENET Account number ending in 7 700 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APRT is the annual interest rale on your account Current Billing Period: 45 days TYPE OF BALANCE ANNUAL PERCENTAGE RATE (APR) Purchases 000°u Cash Advances 23 99% V V = Variable Rale BALANCE SUBJECT TO INTEREST RATE $0 $980 62 INTEREST CHARGE $0 $29 01 Information For You Don't Forget - You can earn 5% Cashback Bonus(R) at Walmart through ShopDiscoverl Announcing Pending Transactions! You asked, we listened Cardmembers can now view pending transactions online! Check your purchases in real time to stay connected to your account like never before either online or using your mobile device Log in to your account at Discover corn from your laptop or your mobile device and see for yourself! Need Cash2 Whether it's for an unexpected bill or an emergency car repair, Discover(R) card can always help Get cash at ATMs nationwide or have money deposited directly into your bank account Visit Discover corn/cash to find out more Additional Important Information See your Cardmember AgreemenL Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report immediately' Calf 1-800.347-2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at Discover, PO Box 30421, Salt Lake City, UT 84130-0421 In your letter, give us the following information Account mformonorr Your name and account number Dollar amount The dollar amount of the suspected en or Descrrptior•, of Problem If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake You must contact us within 60 days after the error appeared on your statement You must notify us of any potential errors in writing You may call us• but if you do we are not required to investigate any potential errors and you may have to pay the amount in question While we investigate whether or not there has been an error, the following are true We cannot try to collect the amount in question, or report you as delinquent on that amount The charge in question may remain on your statement, and we may continue to charge you interest on that amount But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount While you do not have to pay the amount in question. you are responsible for the remainder of your balance We can apply any unpaid amount against your credit limit Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you ore dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, all of the following must be true 1 The purchase must have been made in your borne state or within 100 miles of your current mailing address, and the purchase price must have been more than $50 (Note Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services ) 2 You must have used your credit card for the purchase Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify 3 You must not yet have Fully paid for the purchase If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at Discover, PO Box 30945, Salt Lake City, UT 84130-0945 While we investigate, the same rules apply to the disputed amount as discussed above After we finish our investigation, we will tell you our decision At that point, if we think you owe an amount and you do not pay we may repor you as delinquent Payments. You may pay all or part of your Account balance at any time However, you must pay at least the Minimum Payment Due by the Payment Due Date Send only your payment and the top portion of this statement in the envelope provided Do not send cash By sending your check as described above, you authorize us to use information on your check to make on electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction IF payment is processed as an electronic fund transfer, the transfer will be for the amount of the check When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check bock from your financial institution The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided Payments received in proper form at our processing facility by SPM local time on any day will be credited to your Account as of that day Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day If you have misplaced your envelope, send your payment to Discover, PO Box 6103 Carol Stream, IL 00197-6103 Please allow 7.10 days For delivery If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit 30120206 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER' You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you con setup automatic payments through a customer serv,ce representative by calling I-800.347-2683 Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment date (e g , the 15th day of the month) that occurs before your Payment Due Date II your scheduled payment date falls on a weekend or bank hohdoy, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature, you will be agreeing to this authori:ahem to allow us and your bank to deduct each payment you authorize, in the amount selected by you, horn your bank account You also author ire us to initiate debit or credit enh les to your bank account, as applicable, to correct an error in the processing of such paymen• You con cancel a scheduled payment by phone at 1.800.347.2683 or by mail at Discover. PO Box 30421, Salt Lake City, UT 84130.0421, however we must receive notice at least three business days in advance of the scheduled payment II your payments may vary rn amount, we will tell you on each monthly billing vehement when your payment will be made and how much it will be You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U S law You con set automatic payments for (i) statement Mew Balance, In) statement Minimum Payment Due, (m) statement Minimum Payment Due plus a hued dollar amount, or (iv) a fixed dollar amount If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement. your scheduled payment for that month will be increased to cover the Minimum Payment Due If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement IFyour scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only For the amount of your New Balance Your automatic payment amount may be less than the amount indicated an 'he periodic statement based on credits a payments esker the Closing Date If you enroll by phone in our automatic payment service, please Kin the following blanks below and retain the authorization for your records Amount n Full Pay j Mm Pay ❑ Mm Pay + El Fixed Pays, Bonk Routing NBank Account # Frequency Credit Reparting. We may report information about your Account to credit bureaus Late payments, missed payments, or other defaul•s on your Account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agencies each month If you believe that our report is inaccurate on incomplete, please write us as 'he Following address Discover, PO Box 15310, Wilmington, DE 19850 .3316 Please indicate your name, address, home telephone number and Account number Paying Interest We begin to impose interest charges on a transaction, fee or interest charge from 'he day we add r to the daily balance We continue to impose interest charges until you pay the total amount you owe us You can ovoid paying interest on Purchases as described below However, you cannot avoid paying interest on Balance Transfers or Cash Advances How to Avoid Paying Interest on Purchases ("Grace Period") If you pard the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases or any portion of a new Purchase, paid by the Pcyment Due Date on your current billing statement New Purchases are Purchases that first appear on the current billing statement How We Apply Payments May Impact Your Grace Period If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases How We Calculate Interest Charges ' Darty Balance Method (including current Transactions): We calculate interest charges each billing period by first figuring the "daily balance' for each Transaction Category Transaction Categories include standard Purchases, standard Cash Advances and different promotional balances, such as Balance Transfers How We Figure the Doily Balance for Each Transaction Category We start with the beginning balance for each day The beginning balance For the first day of the billing period is your balance on the fast day of your previous billing period We odd any interest charges accrued on the previous day's daily balance and any new transactions and fee: We add any new transactions or fees as of the later of the Transaction Date or the first day of the billing period in which the transaction or fee posted to your Account We subtract any new credits and payments We mole other adjustments (including those adjustments required in the "Paying Interest" section) How We Figure Your Total Interest Charges We multiply the daily balance For each Transaction Category by its daily periodic rote We do this For each day in the billing period This gives us the interest charges for each Transaction Category To get a doily periodic rate, we divide the APR that applies to the Transaction Category by 365 We odd up all the daily interest charge: The sum is the total interest charge for the billing period How We Include Fees We odd Balance Transfer Fees to the applicable Balance Transfer Transaction Category We add Cash Advance Fees to the applicable Cash Advance Transaction Category We add all other fees to the standa d Purchase Transaction Category Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rose It shows this for each transaction category The Balance Subject to Interest Rale is the overage of the daily balances during the billing period Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement A credit balance is money that is owed to you You may make charges against this amount if your Account is open We will send you a refund of any remaining balance of $1 00 or more after 6 months, or as otherwise required by applicable law For TDO (Telecommunications Device for the Deaf) assistance, please call 1.800.347'7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes The Discover`tcard is issued by Discover Bonk, Member FDIC Rzrvt;up i 30120206 Questions? Visit www.Dlscovrr,com or call 1 -800 -DISCOVER (1-800.347.2683J, DISCOVER" DISC VER New Balance 52,998.49 ROBERT GENET 305 W ELMWOOD AVE MECHANICSBURG PA 17055-4126 Minimum Payment Due $ 132.00 Payment Due Date August 11, 2012 Addiess, e-mail or telephone change Go to www.Discover.com or print change in space above Account Number ending In 7700 Enter Amount Enclosed Below s! 1 Please make check payable to Discover Cord Minimum payment due includes a past due amount of $59 00 Phone and Internet payments must be mode by 5 OOpm ET for :ante day posting PO BOX 71084 CHARLOTTE NC 28272.1084 000001986456300501178029984900000000013200 Opening Date: June 17, 2012 - Closing Date: July 16, Discover More Card Account Summary Account number ending In 7700 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $2,945 74 0 00 + 000 + 0 00 + 0 00 + 25 00 + 27 75 $2,998 49 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $3,000 00 $100 $1,500 00 $1 00 You may be able to avoid Interest Charges, see Additional Important Information for details Cashback Bonuse Opening Cashbook Bonus Balance New Cashbook Bonus This Period Cashback Bonus Balance to s.n mase Inc; m al www.Dlecover.com Anniversary Month May $ 49 23 + 000 $ 49.23 3 Easy Ways to Contact Us I Access your account securely at www.Discover,com 2 Call 1.800 -DISCOVER (1-800.347-2683) Please have your Discovers cord available 3 Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address' For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197.6103 For TDD (Telecommunications Device For the Deaf) assistance, please call 1-800-347-7449 111111111. page 1 of 2 Payment Information New Balance 52,998 49 Minimum Payment Due' $132 00 Payment Due Date August 11, 2012 'Includes past due amount of $59 00 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to 535 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 23 99% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay ofF your balance For example 'If you make no additional charges . using this cord and each month you pay You will pay off the bolonce shown on this statement in about And you will end up paying art estimated total of, Only the minimum payment 11 years $6,743 f you would like information about credit counseling services, call 1-B00-347-1121 Manage Your Account Online at www.Discover.com Access free online tools like Poydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth more Sr..' --find easy ways to earn and redeem cosh rewards NE WI Access your account securely through your mobile phone Transactions Fees Trans. Date Jul 11 Pod Date Jul 11 LATE FEE TOTAL FEES FOR THIS PERIOD 2500 25.00 ViilYrds INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS 0 00 27 75 0 00 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadable, password protected statements • See your statement as soon as it's available rather than wail for it to arrive in your mailbox. • Get helpful payment reminders through e•moil or text messages on your mobile phone • Print a paper copy of your statement anytime • Sign up today at Discover.comlpaperless '.1010 Dnr rrvv bort Wmhci IIYC. MATER 0110 Transactions Trans. Post (cont.) Date Dote Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 27.75 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 TOTAL INTEREST CHARGED IN 2012 30120206 $ 90 00 56 76 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER {1-800-347.26831. DISCOVER' DISC VER It pays to DISC VER' ROBERT GENET Account number ending in 7700 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rale (APR( is the annual interest rah on your account Current Billing Period: 30 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE (APR) INTEREST RATE Purchases 000% $1,551 73 $0 Cash Advances 23 99% V $1,407 38 527 75 V = Variable Rale Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report immediately' Call 1.800.347.2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at Discover, PO Box 30421, Salt Lake City, UT 84130.0421 In your letter, give us the following information Account information Your name and account number Dollar amount The dollar amount of the suspected error Description of Problem If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake You must contact us within 60 days after the error appeared on your statement You must notify us of any potential errors in writing You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question While we investigate whether or not there has been an error, the following ore true We cannot try to collect the amount in question, or report you as delinquent on that amount The charge in question may remain on your statement, and we may continue to charge you interest on that amount But, IF we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount While you do not hove to pay the amount in question. you are responsible for the remainder of your balance We can apply any unpaid amount against your credit limit Your Rights if You Are Dissatisfied With Your Credit Cord Purchases IF you are dissatisfied with the goods or services that you have purchased with your credit cord, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, all of the following must be true 1 The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50 (Note Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sok! you the goods or services) 2 You must have used your credit card for the purchase Purchases made with cosh advances from an ATM or with a check that accesses your credit cord account do not qualify 3 You must not yet have fully paid for the purchase If all of the criteria above are met and you ore still dissatisfied with the purchase, contact us in writing at Discover, PO Box 30945, Salt Lake City, UT 84130-0945 While we investigate, the same rules apply to the disputed amount as discussed above After we finish our investigation, we will tell you our decision At that point, if we think you owe on amount and you do not pay we may report you as delinquent Payments. You may pay all or part of your Account balance at any time However, you must pay of least the Minimum Payment Due by the Payment Due Date Send only your payment and the top portion of this statement in the envelope provided Do not send cash By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction If payment is processed as an electronic Fund transfer, the transfer will be for the omount of the check When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution The processing of your payment may be delayed if you send cash, con espondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197.6103 Please allow 7.10 days for delivery If your payment is returned unpaid, we reserve the right to resubmit it os an electronic debit 30120206 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance. over the telephone or you can setup automatic payments through a customer service representative by calling I.800.347.2683 Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment dole le g , the 15th day of the month) that occurs before your Payment Due Dole If your scheduled payment dale falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account informonon You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature. you will be agreeing to this authorization la allow us and your bank to deduct each payment you authorize, in the amount selected by you, horn your bank account You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such paymen• You can cancel a scheduled payment by phone at 1.800.347.2683 or by mail at Discover, PO Box 30421, Salt lake City, UT 84130.0421, however we must receive notice at least three busines days in advance of the scheduled payment If your payments may vary in amount, we will tell you on each monthly billing s•otemere when your payment will be made and how much it will be You must ensure that sufficient Funds are available in your bank account, and all transactions must comply with U 5 low You can set automatic payments for (r) statement New Balance, (ii) statement Minimum Payment Due, (ni) statement Minimum Payment Due plus a heed dollar amount, or Irv) a heed dollar amount If your scheduled fixed payment is not enough to cover the Minimum Payment Due os listed on your monthly billing •rotement, your scheduled payment for than month will be increased to cover the Minimum Payment Due If the scheduled payment is greater than the Minimum Payment Due. any excess will be applied in accordance with your Cardmember Agreement Iryour scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance Your automatic payment amount may be less than the amount indicceed on the periodic statement based on credits or payments after the Closing Date If you enroll by phone in our automatic payment service, please h11 -in the following blanks below and retain tiro authorization for your records Mm Amount 7 Full Pay ❑ Pay Mm Pay + S_.__...__ .............__._.. Fixed PayS....._.._.____.._.____. Bank Routing # Bank Account # , Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payments, missed payments, or other defaults on your Account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agencies each month If you believe that our reportrs inaccurate or incomplete, please wide us as 'he following address Discover. PO Box 15316, Wilmington, DE 10850-5316 Please indicate your name, address, home telephone number and Account number Paying Interest We begin to tmpose interest charges on o transaction, fee or interest charge from the day we add i to the daily balance We continue to impose interest charges until you pay the total amount you owe us You can ovoid paying interest on Purchases as described below However, you cannot avoid paying interest on Balance Transfers or Cash Advances How to Avoid Paying Interest on Purchases ("Grace Period") If you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases or any portion of a new Purchase, paid by the Payment Due Dote on your current billing statement New Purchases are Pvrcltoses that first appear on the current billing statement How We Apply Payments May Impact Your Grace Period If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases How We Calculate Interest Charges • Daily Balance Method 'including current transactions): We calculate interest charges each billing period by first figuring the "doily balance' for each Transaction Category Transaction Categories include standard Purchases, standard Cash Advances and different promotional balances, such as Balance Transfers How We Figure the Daily Balance for Each Transaction Category We start with the beginning balance for each day The beginning balance For the first day of the billing period is your balance on the last day of your previous billing period We odd any interest charges accrued on the previous day's daily balance and any new transactions and fees We odd any new transactions or fees as of the later of the Transaction Dote or the first day of the billing period in which the transaction or fee posted to your Account We subtract any new credits and payment: We make other adjustments (including those adjustments required in the "Paying Interest" section) How We Figure Your Total Interest Charges We multiply the daily balance For each Transaction Category by its daily periodic rate We do this for each day in the billing period This gives us the interest charges for each Transaction Category To get a daily periodic rate. we divide the APR that applies to the Transaction Category by 365 We cdd up all the daily interest charges The sum is the total interest charge for the billing period How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category We add Cash Advance Fees to rhe applicable Cash Advance Transaction Category We add all other fees to the standard Purchase Transaction Category Balance Subject to Interest Rale. Your statement shows a Balance Sublect to Interest Rate It shows -his for each transaction category The Balance Subject to Interest Rale rs the average of the daily balances during the billing period Credit Balances. If your Account has o credit balance, the amount is shown on the front of your billing statement A credit balance is money that is owed to you You may make charges against this amount if your Account is open We will send. you a refund of any remaining balance of 51 00 or more after 6 months, or as otherwise required by applicable low For TDD (Telecommunications Device for the Deaf) assistance, please call 1.800.347.7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes The Discover4)cord is issued by Discover Bank, Member FDIC RZNi-:uut 30120206 Questions? visit www.Dlscover.com or call I -800-DISCOVER (1-800-347-2683). DISCOVER DISC VER New Balance 52,819.96 ROBERT GENET 305 W ELMWOOD AVE MECHANICSBURG PA 17055.4126 Minimum Payment Due Account Number ending in 7700 $57.00 Enter Amount Enclosed Below Payment Due Date $ September 11, 2012 I Address, e-mail or telephone change Go to www.Discover.com or print change in space above Pay online at www Discover corn or make check payable to Discover Phone and Internet payments must be made by 5 O0pm ET for same day posting PO BOX 71084 CHARLOTTE NC 28272-1084 000001986456300501178028199600000000005700 Opening Date: July 17, 2012 - Closing Date: August 16, 2012 Discover More Card Account Summary Account number ending in 7700 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $2,998 49 207 00 + 0 00 + 0 00 + 0 00 + 0 00 + 28 47 $2,819 96 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Availoble Cash Advance Credit Line Cash Advance Credit Line Available $3,000 00 $18000 $1,500 00 $18000 You may be able to avoid Interest Charges, see Additional Important Information for details Cashback Bonus'' Anniversary Month May Opening Cashback Bonus Balance $ 49 23 New Cashback Bonus This Period + 000 Cashback Bonus Balance $ 49.23 R, *ori -.arc ?„y .a m www.Diseover.com 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call 1.800 -DISCOVER (1.800.347.2683 Please have your Discoverecard available 3 Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 (Nota payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197-6103 For TDD (Telecommunications Device For the Deaf) assistance, please call 1-800-347-7449 page 1 of 2 Payment Information New Bolance $2,819 96 Minimum Payment Due $57 00 Payment Due Date September 11, 2012 Late Payment Warning: If we do not receive your minimum payment 6y the date listed above, you may have to pay a late Fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 23 99% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and d will take you longer to pay off your balance For example If you make no additional charges using this cam: and each month you pay ,You will pay off the balance shown :on this statement ;in about And you will end up paying an estimated total of .. Only the minimum payment 10 years $6,314 $102 3 year:: $3,680 (Savings = $2,634 I f you would like information about credit ounseling services, call 1-800-347-1121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth moreSm---find easy ways to earn and redeem cash rewards NEW Access your account securely through your mobile phone Transactions Payments and Credits Trans. Date Jul 31 Aug 1 Aug 1 Post Date Jul 31 Aug 1 Aug 1 PHONE PAYMENT - THANK YOU INTEREST CHARGE REFUND CONDITIONAL COURTESY CREDIT $ -13200 -50 00 -25 00 TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 000 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadable. password protected statements • See your statement as soon as it's available rather than wail for it la arrive in your mailbox. • Gel helpful payment reminders through e -moil or text messages on your mobile phone • Print a paper copy of your statement anytime • Sign up today at Discaver.com/paperless k.•::(11 Bin. r+xemkee, NY:. FANLii 0710 Transactions Trans. Post (cont.) Date Dote Interest Charged INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD 3 28 47 0 00 28.47 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 TOTAL INTEREST CHARGED IN 2012 30120206 $ 90 00 35 23 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2684. DISCOVER" DISC VER h treys to DISC VER ROBERT GENET Account number ending in 7700 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APRT is the annual interest rale on your account Current Billmg Period: 31 days TYPE OF BALANCE AANNUTE AL PERCENTAGE R) MTESECT SUBJECT TO INTEREST CHARGE RRATE Purchases 000% $1,504 34 $0 Cash Advances 23 99% V $1,39697 $28 47 V = Variable Rate Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report immediately! Call 1.800.3472683. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at Discover, PO Box 30421, Salt Lake City, LUT 84130-0421 In your letter, give us the following information Account information Your name and account number Dollar amount The dollar amount of the suspected error Description of Problem If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake You must contact us within 60 days after the error appeared on your statement You must notify us of any potential errors in writing You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question While we investigate whether or not there has been an error, the following are true We cannot try to collect the amount in question, or report you as delinquent on that amount The charge in question may remain on your statement, and we may continue to charge you interest on that amount But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount While you do not hove to pay the amount in question, you are responsible for the remainder of your balance We can apply any unpaid amount against your credit limit Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good Faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, all of the following must be true 1 The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50 (Note Neither of these are necessary if your purchase was based on an adverrsement we mailed to you , or if we own the company that sold you the goods or services 2 You must have used your credit card for the purchase Purchases made with cash advances from an ATM or with a check that accesses your credit cord account do not qualify 3 You must not yet have fully paid for the purchase If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at Discover, PO Box 30945, Salt Lake City, UT 84130-0945 While we investigate, the same rules apply to the disputed amount as discussed above After we finish our investigation, we will tell you our decision At that point, if we think you owe an amount and you do not pay we may report you as delinquent Payments. You may pay all or part of your Account balance at any time However, you must pay at least the Minimum Payment Due by the Payment Due Date Send only your payment and the top portion of this statement in the envelope provided Do not send cash By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to piocess the payment as a check transaction If payment is processed as an electronic Fund transfer, the transfer will be for the amount of the check When we use information From your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution The processing of your payment may be delayed if you send cosh, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197.6103 Please allow 7.10 days For delivery If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit 30120206 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer seryice representative by calling 1.800.347.2683 Automatic payments will be deducted an the Payment Due Date unless you request a recurring payment dote (e g , the 15th day of the month) that occurs before your Payment Due Date If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the last Four (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature. you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, horn your bank account You also authorize us to initiate debit or credit entries to your bank account, a: applicable. to correct on error in the processing of such payment You can cancel o scheduled payment by phone at 1.800.347.2683 or by mail at Discover, PO Box 30421, Salt Lake City, LIT 84130-0421, however we must receive notice at least titres business days in advance of the scheduled payment If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be mode and how much it will be You must ensure that sufficient Funds are available in your bank account, and all transactions must comply with U S low You can set automatic payments for (if statement New Balance, (n) statement Minimum Payment Due, (ice) statement Minimum Payment Due plus a fixed dollar amount, or by) a fixed dollar amount If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement IFyour scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only For the amount of your New Balance Your automatic payment amount may be less than the amount indicated on the periodic statement based on credits or payments after the Closing Date If you enroll by phone in our automatic payment service, please h11 -in the Following blanks below and retain the authorization for your records Amount lI Full Pay 17 Min Pay Mm Pay r S Fixed❑Poyf_ _•. Bonk Routing M Bank Account ti Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payments, missed payments, or other defaults on your Account may be reflected in your credit report We narmolly report the status and payment history of your Account to credit reporting agencies each month If you believe that our report is inaccurate or incomplete, please write us at the Following address Discover. PO Box 15316, Wilmington, DE 19850.5316 Please indicate your name, address, home telephone number and Account number Paying (merest We begin to impose interest charges on a transaction, Fee or interest charge from the day we odd it to the doily balance We continue to impose Interest charges until you pay the total amount you owe us You can ovoid paying interest on Purchases as described below However, you cannot avoid paying interest on Balance Transfers or Cosh Advances How to Avoid Paying Interest on Purchases ("Grace Period") If you paid the New Balance on youi previous billing statement by the Payment Due Dote shown on that billing statement, we will not impose interest charges on new Purchases or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement New Purchases are Purcinoses that first appear on the current billing statement How We Apply Payments May Impact Your Grace Period If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases How We Calculate Interest Charges • Doily Balance Method Including current transactions): We calculate interest charges each billing period by first figuring the "daily balance' for each Transaction Category Transaction Categories include standard Purchases, standard Cash Advances and different promotional balances, such as Bolonce Transfers How We Figure the Dally Balance For Each Transection Category We start with the beginning balance for each dayThe beginning balance For the first day of the billing period is balance on the last day of your previous billing period We add any interest charges accrued on the previous day's daily balance and any new transactions and fees We odd any new transactions or fees as of the later of the Transaction Date or the first day of the billing period an which the transaction or fee posted to your Account We subtract any new credits and payments We make other odlustments (including those adjustments required in the "Paying Interest" section) How We Figure Your Total Interest larges We multiply the daily balance for each Transaction Category by its daily periodic rate We do this for each day in the billing period This gives us the interest charges for each Transaction Category To get doily periodic two, we divide the APR that applies to the Transaction Category by 365 We odd up all the daily interest charges The sum is the total interest charge For the billing period How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category We odd Cash Advance Fees to the applicable Cash Advance Transaction Category We odd all other Fees to the standard Purchase Transaction Category Balance Subject so Interest Rafe. Your statement shows a Balance Subject to Interest Rate It shows this far each transaction category The Balance Subject to Interest Rate is the average of the daily balances during the billing period Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement A credit balance is money that is owed to you You may make charges against this amount if your Account is open We will send you a refund of any remaining balance of S1 00 or more after 6 months, or as otherwise required by applicable law For TDD (Telecommunications Device far the Deal) assistance, please call 1.800-347.7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes The Discoveru)card is issued by Discover Bank, Member FDIC RCM' Leol 30120206 Questions? Visit www.Dlscov.r.com or call 1 -800 -DISCOVER (I-800-347-2684 DISCOVER DISC VER New Balance $2,383.26 ROBERT GENET 305 W ELMWOOD AVE MECHANICSBURG PA 17055-4126 Minimum Payment Due S 141.00 Payment Due Dote October 11, 2012 Address, e-mail or telephone change Go to www.Discover.com or print change in space above Account Number ending in 7700 Enter Amount Enclosed Below $ (. Please make check payable to Discover Card Minimum payment due includes a post due amount of $57 00 Phone and Internet payments must be mode by 5 O0pm ET for same day posting PO BOX 71084 CHARLOTTE NC 28272-1084 000001986456300501178028832600000000014100 Opening Date: August 17, 2012 - Closing Date: September 16, 2012 Discover More Card Account Summary Account number ending in 7700 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $2,819 96 0 00 + 0 00 + 0 00 • 0 00 + 35 00 + 28 30 $2,883 26 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $3,000 00 $11600 $1,500 00 $11600 You may be able to avoid Interest Charges, see Additional Important Information for details Cashback Bonus Anniversary Month May Opening Cashbock Bonus Balance $ 49 23 New Cashback Bonus This Period + 000 Cashback Bonus Balance $ 49.23 r., ?arr.n mom ny ;n ur vrww.Discover.com 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call 1.800•DISCOVER (1.800-347.2683) Please have your Discoverce card available 3 Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197.6103 For TDD (Telecommunications Device For the Deaf) assistance, please call 1-800.347-7449 aqe 1 of 2 Payment Information New Balance $2,883 26 Minimum Poyment Due' $141 00 Payment Due Dote October 11, 2012 'Includes past due amount of $57 00 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 23 99O variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in Interest and it will take you longer to pay off your balance For example IF you make no odditronal charges using this cord and each month you pay You will pay off the balance Shown on this, statement in about And you will end up paying an estimated total of; Only the minimum payment 10 years $6,364 f you would like information about credit counseling services, call 1-800-347-1121 Manage Your Account Online at www.Discover.com Access free online tools like Poydown Planner to create a pion to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth more sm - find easy ways to earn and redeem cash rewards NEWt Access your account securely through your mobile phone Transactions Fees Trans. Post Dant Dote Sep 11 Sep 11 LATE FEE TOTAL FEES FOR 1F85 PERIOD $ 3500 35.00 18121$216 6 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS $ 000 28 30 000 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER' Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadable, password protected statements • See your statement as soon as it's ovoilable rather than wail for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone • Print a paper copy of your statement anytime • Sign up today at Discover.com/paperless !:7(11 ii D,+:;n.+ hart If .ore, I. VAI'Li1 0710 Transactions (cont.) Trans. Post Daft Daft Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 28.30 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 TOTAL INTEREST CHARGED IN 2012 30120206 $ 12500 63 53 Questions? visit www.Discover.com or call I.800-DISC©VER (1-800-347-2683). DISCOVER DISC VER ti pays to DISC VER' ROBERT GENET Account number ending in 7700 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate IAPRI is the annual interest rate on your account Current Billing Period: 31 days TYPE OF BALANCE AANNUAAL PERCENTAGE BALANINTERECE SUBRATJECT TO RATE (Purchases 0 00% $1,444 73 Cash Advances 23 99% V 31,388 88 V = Variable Rale INTEREST CHARGE $0 $28 30 Information For You "Discover Home Loons State Licensing Info' ' Not all applicants are approved Terms and conditions apply AZ Mortgage Banker UC No 0919392, Licensed by the Dept of Corporations under the CA Residential Mortgage Lending Act, Regulated by the CO Division of Real Estate, GA Residential Mortgage licensee #33265, IL Residential Mortgage Licensee #MB 6760852 -Dept of Financial Regulation, 100 W Randolph, 9th Floor, Chicago, 1l 60601, MA Mortgage Lender & Mortgage Broker LIC #MC837915, Licensed by the MS Dept of Banking and Consumer Finance, Licensed by the NH Banking Dept. NJ Residential Mortgage lender LIC, OH Mortgage Broker Act Mortgage Banker Exemption #MBMB 850150 000, OR Mortgage Lender LIC #ML -5100, Licensed by the PA Dept of Banking, VA Exempt Company Registration, Licensed in WA under the name of DFS Hl Inc , Consumer Loan UC #CL -837 915, Discover Home Loons, Inc 's NMLS #837915 Not available in NV NY & RI Additional Important Information See your Cardmember Agreement. Your Cordmember Agreement contains all the terms of your Account Lost or stolen cords. Report immediately' Call 1.800347.2683, What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at Discover, PO Box 30421, Salt take City, UT 84130-0421 In your letter, give us the Following information Account information Your name and account number Dottar amount The dollar amount of the suspected error Desorption of Problem IF you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake You must contact us within 60 days alter the error appeared on your statement You must notify us of any potential errors in writing You may call us, but if you do we are not required to investigate any potential errors and you may hove to pay the amount in question While we investigate whether or not there has been an error, the following are true We cannot try to collect the amount in question, or report you as delinquent on that amount The charge in question may remain on your statement, and we may continue to charge you interest on that amount But, if we determine that we mode a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount While you do not have to pay the amount in question, you are responsible for the remainder of your balance We can apply any unpaid amount against your credit limit Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you hove purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, oll of the following must be true 1 The purchase must have been made in your home state or within 100 miles of your current marling address, and the purchase price must have been more than $50 (Note Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services ) 2 You must have used your credit card For the purchase Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify 3 You must not yet have fully paid for the purchase If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at Discover, PO Box 30945, Salt Lake City, UT 84130-0945 While we investigate, the sonic rules apply to the disputed amount as discussed above After we finish our investigation, we will tell you our decision At that point, if we think you owe an amount and you do not pay we may report you as delinquent Payments. You may pay all or part of your Account balance at any time However, you must pay at least the Minimum Payment Due by the Payment Due Date Send only your payment and the top portion of this statement in the envelope provided Do not send cash By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction If payment is processed as an electronic fund transfer, the transfer will be for the amount of the check When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back horn your Financial institution The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197-6103 Please allow 7-10 days For delivery If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit 30120206 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance. over the telephone or you can setup automatic payments through a customer serv,ce representative by calling 1-800-347-2683 Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment date (e g , the 15th day of the month) that occurs before your Payment Due Date If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the lost four (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature. you will be agreeing to this authorization to allow us and your bunk to deduct each payment you authorize, in the amount selected by you, horn your bank account You also authorize us to initiate debit or credit entries to your bank account, as applicable. to correct an error in the processing of such payment You can cancel a scheduled payment by phone at I.800.347.2683 or by mail at Discover, PO Box 30421 Salt lake City, UT 84130-0421, however we must receive notice at least three business days in advance of the scheduled payment If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be You must ensure that sufficient funds are available in your bank account, and all t-cn:actions must comply with U S law You can set automatic payments for (i) statement New Balance, (u) statement Minimum Payment Due, lin) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment For that month will Be increased to cover the Minimum Payment Due If the scheduled payment is greater than the Minimum Payment Due. any excess will 6e applied in accordance with your Cardmember Agreement IFyour scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only For the amount of your New Balance Your automatic payment amount may be less than the amount indicated on the periodic statement based on credits or payments after the Closing Date If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records Amount El Full Pay f j Min Pay ❑ Min Pay + . !� Fixed Pay$, Bonk Routing # Bank Account # Frequency Credit Reporting. We may report information about your Account to credit bureaus late payments, missed payments, or other defaults on your Account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agencies each month If you believe that our report is inaccurate or incomplete, please write us at the following address Discover, PO Box 15316, Wilmington, DE 198505316 Please indicate your name, address, home telephone number and Account number Paying Interest- We begin to impose interest charges on o transaction, Fee or interest charge from the day we add It to the daily balance We continue to impose interest charges until you pay the total amount you owe us You can avoid paying interest on Purchases as described below However, you cannot avoid paying interest on Balance Transfers or Cash Advances How to Avoid Paying Interest on Purchases ("Grace Period') If you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement New Purchases are Purchases that First appear on the current billing statement How We Apply Payments May Impact Your Grace Period IF you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases How We Calculate Interest Charges • Daly Balance Method (including current transactions): We calculate interest charges each billing period by first figuring the "doily balance" for each Transaction Category Transaction Categories include standard Purchases, standard Cash Advances and different promotional balances, such as Balance Transfers How We Figure the Daly Balance for Each Transaction Category We start with the beginning balance for each day The beginning balance for the first day of the billing period is your balance on the last day of your previous billing period We odd any interest charges accrued on the previous day's daily balance and any new transactions and fees We odd any new transactions or fees as of the later of the Transaction Date or the first day of the billing period in which the transaction or fee posted to your Account We subtract any new credits and payments We make other adjustments (including those adjustments required in the "Paying Interest" section) How We Figure Your Total Interest Charges We multiply the daily balance For each Transaction Category by its daily periodic rate We do this For each day in the billing period This gives us the interest charges For each Transaction Category To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365 We odd up all the daily interest charges The sum is the total interest charge for the billing period How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category We add Cash Advance Fees to the applicable Cash Advance Transaction Category We add all other fees to the standard Purchase Transaction Category Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate It shows this for each transaction category The Balance Subject to Interest Rate is the average of the daily balances during the billing period Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement A credit balance is money that is owed to you You may make charges against this amount if your Account is open We will send you a refund of any remaining balance of $1 00 or more after 6 months, or as otherwise required by applicable law For TDD )Telecommunfcahions Device for the Dea♦) assistance, please call 1.800-347.7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes The Discoverl'card is issued by Discover Bank, Member FDIC Rzvieco 30120206 Questions? Visit www.Dlscovar.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER DISC VER New Balance $2,946.20 ROBERT GENET 305 W ELMWOOD AVE MECHANICSBURG PA 17055.4126 Minimum Payment Due $224.00 Payment Due Date November 11, 2012 Address, e-mail or telephone change Go to www.Discover.com or print change in space above Account Number ending in 7700 Enter Amount Enclosed Below $1 Please make check payable to Discover Card Minimum payment due includes a past due amount of $141 00 Phone and Internet pypayymentnm smust be made by 5 OOpm ET for same a PO BOX 71084 CHARLOTTE NC 28272-1084 000001986456300501178029462000000000022400 Opening Date: September 17, 2012 - Closing Date: October 16, 2012 Discover More Card Account Summary Account number ending in 7700 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Intere3 Charged New Balance $2,883 26 0 00 + 0 00 + 0 00 + 0 00 + 35 00 + 27 94 $2,946 20 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit line Available 33,000 00 $000 $1,500 00 $000 You may be able to avoid Interest Charges, see Additional Important Information for details Cashback Bonus' Anniversary Month May Opening Cashback Bonus Balance $ 49 23 New Cashback Bonus This Period + 0 00 Cashback Bonus Balance $ 49.23 to learn more I,, Le www,Dieeever.com 3 Easy Ways to Contact Us 1 Access your account securely at wvrw.Discover.cam 2 Call 1.800 -DISCOVER (1.800.347-2683) Please have your Discovers card available 3 Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address] For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197.6103 For TDD (Telecommunications Device For the Deaf) assistance, please call 1-800-347-7449 page 1 of 2 Payment Information New Balance $2,946 20 Minimum Payment Due' $224 00 Payment Due Date November 11. 2012 'Includes past due amount of $141 00 Late Payment Waming: If we do not receive your minimum payment by the date listed above. you may hove to pay a late fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 23 99% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example If you make no additional charges using this card and each month you pay You will payoff the balance shown on this statement in about Aix! you will end up paying an estimated total oF, Only the minimum payment 10 years $6,417 I you would like information about credit counseling services, call 1-800-347.1121 Manage Your Account Online at www.Discover.com Access Free online tools like Paydown Planner to create a plan to pay down your balance, secuiely access statements, pay bills online and easily track all transactions Make your money worth more!" ----find easy ways to earn and redeem cash rewards NEWT Access your account securely through your mobile phone Transactions Fees Trans. Post Date Date Oct 1 I Oct 11 LATE FEE TOTAL FEES FOR THIS PERIOD $ 35 00 35.00 ViNrds INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS $ 0 00 27 94 000 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadable, password protected statements • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through c -mail or text messages on your mobile phone • Print a paper copy of your statement anytime • Sign up today at Discaver.com/paperless :Ori brink MetnV., Hi':. iAi'tr O; I O Transactions (cont.) Trans. Post Date Dat. InIerest Charged TOTAL INTEREST FOR THIS PERIOD $ 27.44 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 TOTAL INTEREST CHARGED IN 2012 30120206 $ 16000 91 47 Questions? visit www.Discover.com or call 1.800 -DISCOVER (1-800.347.2683). DISCOVER DISC VER !tpnysto DISC VER' ROBERT GENET Account number ending in 7 700 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account Current Billing Period: 30 days TYPE OF BALANCE ANNUALERCENTAGE B ET NCE SRUBJECT TO INTEREST CHARGE Purchases 0 00% $1,470 73 $0 Cash Advances 23 99% V $1,416 99 $27 04 V = Variable Rate Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report immediotelyt Cal 1.800.347.2683. What To Do if You Think You rind A Mistake On Your Statement If you think there is on error on your statement, write to us at Discover, PO Box 30421, Salt Lake City, UT 84130.0421 In your letter, give us the following information Account information Your name and account number Dollar amount The dollar amount of the suspected error Description of Problem IF you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake You must contact us within 60 days after the error appeared on your statement You must notify us of any potential errors in writing You may call us. but if you do we are not required to investigate any potential errors and you may have to pay the amount in question While we investigate whether or not there has been on error, the Following ore true We cannot try to collect the amount in question, or report you as delinquent on that amount The charge in question may remain on your statement, and we may continue to charge you interest on that amount But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount While you do not have to pay the amount in question. you are responsible for the remainder of your balance We can apply any unpaid amount against your credit limit Your Rights if You Are Dissatisfied With Your Credit Card Purchases IF you are dissatisfied with the goods or services that you have purchased with your credit cord, and you hove tried in good Faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, all of the following must be true 1 The purchase must have been mode in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50 (Note Neither of these are necessary if your purchase was based on on adverisement we mailed to you , or if we own the company that sold you the goods or services ) 2 You must have used your credit card for the purchase Purchases mode with cosh advance: from an ATM or with a check that accesses your credit cord account do not qualify 3 You must not yet have fully paid For the purchase If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at Discover, PO Box 30045, Salt Lake City, UT 84130-0945 While we investigate. the same rules apply to the disputed amount as discussed above After we finish our investigation, we will tell you our decision At that point, if we think you owe on amount and you do not pay we may report you as delinquent Payments. You may pay all or part of your Account balance at any time However, you must pay at least the Minimum Payment Due by the Payment Due Dote Send only your payment and the top portion of this statement in the envelope provided Do not send cosh By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction If payment is processed as an electronic fund transfer, the transfer will be for the amount of the check When we use information From your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided Payments received in proper form at our processing Facility by SPM local time on any day will be credited to your Account as of that day Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day If you have misplaced your envelope. send your payment to Discover, PO Box 6103, Carol Stream, IL 60107.6103 Please allow 7.10 days for delivery If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit 30120206 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER' You can pay your monthly Minimum Payment Due, or greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through o customer service representative by calling 1-800-347.2683 Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment datee g , the 15th day of the month)that occurs before your Payment Due Date If your scheduled payment date falls on a weekend or bank holiday, your payent will be processed the business day prior to the weekend or bank holiday In order 'o schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature. you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account You also authorrze us to initiate debit or credit entries to your bank account, as applicable, to correct on error in the processing of such payment You can cancel a scheduled payment by phone at 1.800.347.2683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 84130.0421, however we must receive notice at least three business days in advance of the scheduled payment If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U S law You can set automatic payments for (i) statement New Balance, lir) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due If she scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement If -your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance Your automatic payment amount may be less than the amount indicated on the periodic statement based on credits or payments after the Closing Date If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records E1^ Amount fl Full Pay Mm Pay Cj Min Pay + S.__.______., LT, Fixed Pay=Bank Routing # Bank Account it Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payments, missed payments, or other defaults on your Account may be reflected rn your credit report We normally report the status and payment history of your Account to credit reporting agencies each month If you believe that our report is inaccurate or incomplete, please write us at the following address Discover, PO Box 15316, Wilmington, DE 19850.5316 Please indicate your name, address, home telephone number and Account number Paying Interest. We begin to impose interest charges on a transaction, fee or interest charge from the day we add it to the daily We continue to impose interest charges until you pay the total amount you owe us You can avoid paying interest on Purchases as described below However, you cannot avoid paying interest on Balance Transfers or Cash Advances How to Avoid Paying Interest on Purchases ("Grace Period") If you paid the New Balance on your previous billing statement by the Payment Due Dote shown on that billing statement, we will not impose interest charges on new Purchases or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement New Purchases are Purchases that first appear on the current billing statement How We Apply Payments May Impact Your Grace Period If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases How We Calculate Interest Charges • Daily Balance Method )including current transactions): We calculate Interest charges each billing period by first figuring the "daily balance' for each Transaction Category Transaction Categories include standard Purchases, standard Cash Advances and different promotional balances, such as Balance Transfers How We Figure the Daily Balance for Each Transaction Category We start with the beginning balance for each day The beginning balance For the first day of the billing period is your balance on the last day of your previous billing period We add any interest charges accrued on the previous day's daily balance and any new transactions and fees We odd any new transactions or fees as of the later of the Transaction Dale or the first day of the billing period in which the transaction or fee posted to your Account We subtract any new credits and payments We make other adjustments (including those adjustments required in the "Paying Interest' section) How We Figure Your Total Interest Charges We multiply the daily balance for each Transaction Category by its daily periodic rate We do this for each day in the billing period This gives us the interest charges For each Transaction Category To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365 We add up all the doily interest charges The sum is the total interest charge for the billing period How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category We add Cash Advance Fees to the applicable Cash Advance Transaction Category We add all other fees to the standard Purchase Transaction Category Balance Subject to Interest Rate. Your statement shows a Balance Sublect to Interest Rae It shows this for each transaction category The Balance Sublect to Interest Rate is the average of the daily balances during the billing period Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement A credit balance is money that is owed to you You may make charges against this amount if your Account is open We will send you a refund of any remaining balance of 51 00 or more after 6 months, or as otherwise required by applicable law For TDD (Telecommunications Device for the Deaf) assistance, please call 1.800.347.7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes The Discovervi card is issued by Discover Bank, Member FDIC eztvi.sou I 30120206 Questions? Visit www.Dlscover.com or call 1.800 -DISCOVER (1-800.347-2683j. DISCOVER DISC VER New Balance 53,010.66 ROBERT GENET 305 W ELMWOOD AVE MECHANICSBURG PA 17055-4126 Minimum Payment Due 5309,00 Payment Due Dote December 11, 2012 Address, e-mail or telephone change Go to www.Discover.com or print change in space above Account Plumber ending in 7700 Enter Amount Enclosed Below Please make check payable to Discover Card Minimum payment due includes a post due amount of $224 00 Phone and Internet payments must be made by 5 OOpm ET for same day posting PO BOX 71084 CHARLOTTE NC 28272.1084 000001986456300501178030106600000000030900 Opening Date: October 17, 2012 - Closing Date: November 16, 2012 Discover More Card Account Summary Account number ending in 7700 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $2,046 20 000 + 0 00 + 0 00 + 0 00 + 35 00 + 20 46 53,010 66 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cosh Advance Credit line Available 53,000 00 $0 00 $1,50000 $000 You may be able to avoid Interest Charges, see Additional Important Information for details Cashback Bonus'' Anniversary Month May Opening Cashbook Bonus Balance $ 49 23 New Cashbook Bonus This Period + 0 00 Redeemed This Period - 40 23 Cashback Bonus Balance $ 0.00 To m,rn nom los i al www.Discover.com 3 Easy Ways to Contact Us I Access your account securely at www.Discover.com 2 Call I.800 -DISCOVER 11.800.347.2683) Please have your Discoveru card available 3 Write to us at Discover, PO Box 30943, Soh Lake City, UT 84130 (Not a payment address) For payments. please :end to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197-6103 For TDD (Telecommunications Device For the Deaf) assistance, please call 1.800-347.7449 ge 1 of 2 Payment Information New Balance $3.010 66 Minimum Payment Due 5309 00 Payment Due Date December 11, 2012 'Include: post due amount of $224 00 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may hove to pay a late fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 23 99% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example If you make no additional chargers using this card and each month you pay You will pay off the balance shown on this statement in about And you will end up paying CO estimated total of, Only the minimum payment 10 years $6,465 f you would like information about credit counseling services, call 1-800-347-1121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth mores -- find easy ways to earn and redeem cash rewards NEW' Access your account securely through your mobile phone Transactions Fees 64$114 Trans. Post Date Date Nov 11 Nov 11 LATE FEE TOTAL FEES FOR THIS PERIOD 35 00 35.00 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES 0 00 29 46 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadable, password protected statements • See your statement as soon as it's available rather than wail for It to arrive in your mailbox, • Gel helpful payment reminders through e-mail or text messages on your mobile phone • Print o paper copy of your statement anytime • Sign up today at Discaver.com/paperless a:70 III 011:;r+sl Hunt Mnmbf. Transactions (cont.) invest Charged Trans. Post Dale Dab INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD $ 000 29.46 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 TOTAL INTEREST CHARGED IN 2012 30120206 S 19500 120 93 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1.800-347-2683). DISC•VER DISC VER` tt tiys in DISC VER' ROBERT GENET Account number ending in 7700 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APRI is the annual interest rote on your account Current baling Periods 31 days TYPE OF BALANCE ANNUAL PERCENTAGE INTERESTCSUBJECT EJECT TO INTEREST CHARGE RATE (APRI Purchases 000% $1.514 73 $0 Cash Advances 23 99% V $1,445 67 $29 46 V = Variable Role Additional Important Information Ste your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report immediately) Call 1.800347.2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at Discover, PO Box 30421, Salt lake City, UT 841300421 In your letter, give us the following information Account information Your name and account number Dollar amount The dollar amount of the suspected error Description of Problem If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake You must contact us within 60 days after the error appeared on your statement You must notify us of any potential errors in writing You may call us, but if you do we ore not required to investigate any potential errors and you may hove to pay the amount in question While we investigate whether or not there has been an error, the following ore true We cannot try to collect the amount in question, or report you as delinquent on that amount The charge in question may remain on your statement, and we may continue to charge you interest on that amount But, if we determine that we made o mistake, you will not have to pay the amount in question or any interest or other fees related to that amount While you do not have to pay the amount in question. you are responsible for the remainder of your balance We can apply any unpaid amount against your credit limit Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the good: or services that you have purchased with your credit card, and you hove tried in good faith to correct the problem with the merchant, you may hove the right not to pay the remaining amount due an the purchase To use this right. all of the following must be true 1 The purchase must hove been mode in your home state or within 100 miles of your current moiling address, and the purchase price must hove been more than $50 (Note Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services I 2 You must have used your credit cord for the purchase Purchases made with cash advances from an ATM or with a check that accesses your credit cord account do not qualify 3 You must not yet have fully paid For the purchase If all of the criteria above ore met arid you are still dissatisfied with the purchase, contact us In writing at Discover, PO Box 30945, Salt lake City, UT 84130-0945 While we investigate, the same rules apply to the disputed amount os discussed above After we knish our investigation, we will tell you our decision At that point, if we think you owe an amount and you do not pay we may report you as delinquent Payments. You may pay all or part of your Account balance at any time However, you must pay of least the Minimum Payment Due by the Payment Due Date Send only your payment and the top portion of this statement in the envelope provided Do not :end cosh By sending your check as described above, you authorize us to use information on your cheek to make on electronic fund trans}er from your account al the financial institution indicated on your check or to process the payment os a check transaction if payment is processed as an electronic fund transfer, the transfer will be for the amount of the check When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the some day we receive your payment, and you will not receive your check bock from your financial institution The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided Payments received in proper form of our processing facility by 5PM local time on any day will be credited to your Account as of that day Payments received at our processing facility after 5PM local time will be credited tor Account as of the next day If you have misplaced your envelope. send your payment to Discover, PO Box 6103, Carol Stream, IL 60197-6103 Please ollow 7.10 days for delivery If your payment is returned unpaid, we reserve the right to resubmit rt as an electronic debit 30120206 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC/AVER You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance. over the telephone or you can setup automatic payments through a customer sery co representative by calling 1-800-347.2683 Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment date leg , the 15th day of the month) that occurs before your Payment Due Date If your scheduled payment dote falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need 'his statement and your bank account information You will be asked to provide the fast four (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, horn your bank account You also authorize us to initiate debit or credit entries to your bank account. as applicable, to correct an error in the processing of such payment You con cancel a scheduled payment by phone at I.800.347.2083 or by mail at Discover, PO Bon 30421, Salt take City, UT 84130.0421, however we must receive notice at least three business days in advance of the scheduled payment It your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be You must ensure that sufficient funds are available in your bank account, and all transaction: must comply with U S law Yov can set automatic payments for (i) statement New Balance, (u) statement Minimum Payment Due, (in) statement Minimum Payment Due plus a heed dollar amount, or 6v) a hued dollar amount IF your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment For that month will be increased to cover the Minimum Payment Due If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cordmember Agreement It your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance Your automatic payment amount may be less than 'he amount indicated on the pet iodic statement based on credits or payments after the Closing Date If you enroll by phone in our automatic payment service, please Fill-in the following blanks below and retain the authorization for your records Amount 1:1Full Pay El Min Pay ❑ Mm Pay + S.__._ r,7 - r,7 -i Fixed PayS-.__.._.._.._.....__.... Bank Routing # Bank Account # Frequency Credit Reporting. We may report information about your Account to credit bureaus late payments, missed payments, or other defaults on your Account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agencies each month If you believe that our report is inaccurate or incomplete, please write us at the following address Discover. PO Box 15316, Wilmington, DE 10850.5316 Please indicate your name, address, home telephone number and Account number Paying Interest We begin to impose interest charges on a transaction, fee or interest charge horn the day we add r to the daily balance We continuo to impose interest charges until you pay the total amount you owe us You can avoid paying interest on Purchases as described below However, you cannot avoid paying interest on Balance Transfers or Cosh Advances How to Avoid Paying Interest on Purchases ("Grace Period") If you paid the New Balance on youprevious billing statement by the Payment Due Dote shown on that billing statement, we will not impose interest charges on new Purchases crony portion of a new Purchase, paid by the Payment Due Date on your current billing statement New Purchases are Purchases that first appear on the current billing statement How We Apply Payments May Impact Your Grace Period If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases How We Calculate Interest Charges • Daily Balance Method (including current transactions): We calculate interest charges each billing period by first figuring the "daily balance' for each Transaction Category Transaction Categories include standard Purchases, standard Cosh Advances and different promotional balances, such as Balance Transfers How We Figure the Daily Balance for Each Transaction Category We start with the beginning balance for each day The beginning balance for the first day of the billing period rs your balance on the last day of your previous billing period We odd any interest charges accrued on the previous day's daily balance and any new transactions and fees We add anynew transactions or fees as of the later of the Transaction Date or the first day of the billing period in which te transaction or fee posted to your Account We subtract any new credits and payments We make other adjustments (including those adjustments required in the "Paying Interest° section) How We Figure Your Total Interest Charges We multiply the dailybalance for each Transaction Category by its doily periodic rate We do this for each day in the billing period Tis gives us the interest charges For each Transaction Category To get a doily periodic rare, we divide the APR that applies to the Transaction Category by 365 We odd up oll the daily interest charges The sum is the total interest charge for the billing period How We Include Fees We odd Balance Transfer Fees to the applicable Balance Transfer Transaction Category We add Cash Advance Fees to the applicable Cash Advance Transaction Category We add all other fees to the standar d Purchase transaction Category Balance Subject to Interest Rab. Your statement shows a Balance Subject to Interest Rate It shows this for each transaction category The Balance Subject to Interest Rate is the average of the daily balances during the billing period Credit Balances. If your Account has a credit balance, the amount is shown on the Front of your billing statement A credit balance is money that is owed to you You may make charges against this amount if your Account is open We will send you a refund of any remaining balance of SI 00 or more after 6 months, or as otherwise required by applicable law For TDD (Telecommunications Device for the Deaf) assistance, please call 1.800.347.7449. Discover may monitor and/or record telephone coils between you and Discover representatives for quality assurance purposes The Discovero'card is issued by Discover Bank, Member FDIC 30120206 RZNFK)0I Questions? Visit www.DIscover.com or coil 1 -800 -DISCOVER (1.800.347-2683). DISCOVER DISC VER New Balance $3,074.74 ROBERT GENET 305 W ELMWOOD AVE MECHANICSBURG PA 17055.4126 Minimum Payment Due $394.00 Payment Due Dote January 11, 2013 Address, e-mail or telephone change Go to www.Discover.com or print change in space above Account Number ending in 7700 Enter Amount Enclosed Below $1 Please make check payable to Discover Cord Minimum payment due includes a post due amount of $309 00 Phone and Internet payments must be mode by 5 00pm ET for same day posting PO BOX 71084 CHARLOTTE NC 28272-1084 00000198645630050 I 178030747400000000039400 Opening Date: November 17, 2012 - Closing Date: December 16, 2012 Discover More Card Account Summary Account number ending In 7700 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $3,010 66 000 + 0 00 + 0 00 + 0 00 + 35 00 + 29 08 $3,074 74 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cosh Advance Credit Line Cash Advance Credit Line Available $3,000 00 $000 $1,50000 $000 You may be able to avoid Interest Charges, see Additional Important Information for details Cashback Bonus' Opening Cashbook Bonus Balance New Cashbook Bonus This Period Cashback Bonus Balance To in. rn-,v=r io,,,, u' www.Discover.com Anniversary Month May $ 000 + 000 $ 0.00 3 Easy Ways to Contact Us I Access your account securely at www.Discover.corn 2 Call 1.800•DISCOVER 11.800.347.2683) Please have your Discover' card available 3 Write to us at Discover, PO Box 30943, Soh Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, 11 60197-6103 For TDD (Telecommunications Device For the Deaf) assistance, please call 1.800.347.7449 page 1 of 2 Payment Information New Balance $3,074 74 Minimum Payment Due' $394 00 Payment Due Dote January I I, 2013 'Includes post due amount of $30900 Late Payment Warning: If we do not receive your minimum payment by the dote listed above, you may have to pay a late Fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 23 99% variabla Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example If you make no ' additional charges using this cord and each month you pay You will pay off the balance shown on thisstatement in about And you will end up paying an estimated total oF: Only the minimum payment 10 years $6,512 f you would Irke information about credit counseling services, call 1.800-347-1121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Male your money worth morew'" --'find easy ways to earn and redeem cash rewards NEW! Access your- account securely through your mobile phone Transactions Fees Trans. Date Dec 11 st Da Dec 11 LATE FEE TOTAL FEES FOR THIS PERIOD 3500 35.00 vi '8r 6 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS $ 0 00 29 08 0 00 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Fostly access up to 24 months of downloadable, password protected statements • See your statement as soon as Ws available rather than wart For It to arrive in your mailbox. • Gel helpful payment reminders through e•molt or text messages on your mobile phone • Print o paper copy of your statement anytime • Sign up today at Discover.com/paperless n'; 70 I!! Dm OW. Hunt btwdt.i tt7:.. VAMLit 0; 10 Transactions (cont.) Trans. Pon Dab Dab Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 29.08 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 S 230 00 TOTAL INTEREST CHARGED IN 2012 15001 30120206 Questions? Visit www.Discover.com or call 1.800 -DISCOVER (1-800-347-2683). DISCOVER" DISC VER h peys to DISC VER' ROBERT GENET Account number ending in 7700 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest role on your account Current Ogling Period: 30 days TYPE OF BALANCE ANNUALPERCENTAGE BALANCE AU SECT TO INTEREST CHARGE (APR) INTEREST R Portholes 0 00°e $ 1,549 73 $0 Cash Advances 23 99% V $1,474 94 S29 08 V = Variable Rale Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains oll the terms of your Account Lost or stolen cards. Report immediately) Call I.800.347.2683. Whet To Do If You Think You rmd A Mistake On Your Statement IF you think there is an error on your statement, write to us at Discover, PO Box 30421, Salt Lake City, UT 84130.0421 In your letter, give us the following information Account rnforrrahon Your name and account number Dollar amount The dollar amount of the suspected error Descriptron of Problem If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake You must contact us within 60 days alter the error appeared on your statement You must notify us of any potential errors in witting You may call us. but if you do we ore not required to investigate any potential errors and you may hove to pay the amount in question While we investigate whether or not there has been on error, the following ore true We cannot try to collect the amount in question, or report you as delinquent on that amount The charge in question may remain on your statement, and we may continue to charge you interest on that amount But, if we determine that we mode o mistake, you will not have to pay the amount in question or any interest or other fees related to 'hot amount While you do not have to pay the amount in question. you are responsible for the remainder of your balance We can apply any unpaid amount against your credit limit Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goads or services that you have purchased with your credit cord, and you have tried in good faith to correct the problem wilts the merchant, you may have the tight not to pay the remaining amount due on the purchase To use this right, oll of the following must be true 1 The purchase must hove been mode in your home state or within 100 miles of your current mailing address, and the purchase price must hove been more than $50 (Note Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services 2 You must have used your credit card for therchase Purchases mode with cash advances from on ATM or with a check that accesses your credit cord account do not qualify 3 You must not yet have fully paid for the purchase If all of the cntena above ore met and you are still dissatisfied with the purchase, contact us in writ'a of Discover, PO Box 30945, Salt Lake City, UT 84130.0945 While we investigate, the same rules apply to the disputed amount as discussed above Alter we finish our investigation, we will tell you our decision At that point, if we think you owe on amount and you do riot pay we may report you a: delinquent Peyrrsents. You may pay all or port of your Account balance at any time However, you must pay at least the Minimum Payment Due by the Payment Due Date Send only your payment and the top portion of this statement in the envelope provided Do not send cosh By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction If payment is processed as an electronic fund transfer, the transfer will be For the amount of the check When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the some day we receive your payment, and you will not receive your check Lack from your financial institution The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided Payments received in proper form of our processing facility by 5PM local time on any day will be credited to your Account as of that day Payments received at our processing facility after 5PM local time will be credited to your Account as of the next clay If you have misplaced your envelope. send your payment to Discover, PO Box 6103 Carol Stream, IL 60197.6103 Please allow 7.10 days for delivery If your payment is returned unpaid, we reserve the rigl1t to resubmit it as an electronic debit 30120206 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER' You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling I.800.347.2683 Automatic payments will be deducted on the Payment Due Dote unless you request a recurring payment datee g , the 15th day of the month)that occurs before your Payment Due Date If your scheduled payment dote falls on a weekend or bank holiday, your payent will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature, you will be agreeing to this authorisation to allow us and your bank to deduct each payment you authorize, in the amount selected by you, horn your bank account You also authorize us to initiate debit or credit enhies to your bank account, as applicable. to correct an error in the processing of such payment You can cancel a scheduled payment by phone at 1.800.347.2083 or by mail at Discover, PO Box 30421, Salt lake City, UT 84130-0421, however we must receive notice at least three business days in advance of the scheduled payment If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U S law You con set automatic payments for (i) statement New Balance, (u) statement Minimum Payment Due, (in) statement Minimum Payment Due plus o fixed dollar amount, or (iv) a fixed dollar amount If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for than month will be increased to cover the Minimum Payment Due If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement IFyour scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credits or payments after the Closing Date If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records Amount ❑ Full Pay L._J Mm Par-' Y El Mm Pay + $._..—__-..__._....—. L.; Fixed Poy$_..--------, Bank Routing # Bank Account # Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payments, missed payments, or other defaults on your Account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agencies each month If you believe that our report is inaccurate or incomplete, please write us at the Following address Discover, PO Box 15316, Wilmington, DE 19850.5316 Please indicate your name, address, home telephone number and Account number Paying Interest We begin to impose interest charges on a transaction. fee or interest charge From the day we add it to the doily balance We continue to impose interest charges until you pay the total amount you owe us You can avoid paying interest on Purchase: as described below However, you cannot avoid paying interest on Balance Transfers or Cash Advances How to Avoid Parng Interest on Purchases ("Grace Period') If you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement New Purchases are Purchases that First appear on the current billing stctement How We Apply Payments May Impact Your Grace Period If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases How We Calculate Interest Charges • Daily Balance Method (including current transactions» We calculate interest charges each billing period by first figuring the "daily balance' for each Transaction Category Transaction Categories include standard Purchases, standard Cash Advances and different promotional balances, such as Balance Transfers How We Figure the Daily Balance For Each Transaction Category We start with the beginning balance for each day The beginning balance for the first day of the billing period is your balance on the last day of your previous billing period We add any interest charges accrued on the previous day's daily balance and any new transactions and fees We odd any new transactions or fees as of the later of the Transaction Dote or the first day of the billing period in which the transaction or fee posted to your Account We subtract any new credits and payments We make other adjustments (including those adjustments required in the "Paying Interest" section) How We Figure Your Total Interest Charges We multiply the daily balance for each Transaction Category by its daily periodic rate We do this for each day in the billing period This gives us the interest charges For each Transaction Category To get a daily periodic raw, we divide +e APR that applies to the Transaction Category by 365 We add up all the daily interest charges The sum is the total interest charge for the billing period How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category We add Cash Advance Fees to the applicable Cosh Advance Transaction Category We add all other fees to the standoff d Purchase Transaction Category Balance Subject to Interest Rate. Your statement shows a Balance Sublect to Interest Rate It shows this for each transaction category The Balance Subject to Interest Rate is the average of the daily balances during the billing period Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement A credit balance is money that is owed to you You may make charges against this amount if your Account is open We will send you a refund of any remaining balance of $1 00 or more after 6 months, or as otherwise required by applicable law For TDD (Telecommunications Device For the Deaf( assistance, please call 1.800.347.7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes The Discoverurcard is issued by Discover Bank, Member FDIC n r' t.,cc t 30120206 Questions? Visit www.Dlscover.com or call 1 -800 -DISCOVER (1.800.347-26831. DISCOVER DISC VER. ACCOUNT SUMMARY Previous Balance 53,074.74 Payments and Credits - $0.00 Purchases + $0.00 Balance Transfers + $0.00 Cash Advances + $0.00 Fees Charged + $35.00 Interest Charged + $30.66 New Balance $3,140.40 See Interest Charge Calculation section following the Transactions section for detailed APR information Credit Line $3,000 Credit Line Available $0 Cash Advance Credit Line $1,500 Cash Advance Credit Line Available $0 You may be able to ovoid interest on Purchases. See reverse for details. Contact Us Discover.com 1-800-347-2683 Discover More Card Account number ending in 7700 Open Date: Dec 17, 2012- Close Dote: Jan 16, 2013 Cardmember Since 2012 Page 1 of 4 PAYMENT INFORMATION New Balance Minimum Payment Due' Payment Due Dote • Includes past due amount of: $3,140.40 $480.00 February 11, 2013 $394.00 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35.00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 23.99% variable. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: if you mg1ie.no.additlonatchoigee • vs1ng thu eats;( and rads month u.. pay.. You will payoff the balanon'Afto n on ihis, Ontei.neni.in of,p147.. And'youwiltenn up: paying on eshmt ied tori Only the minimum payment 11 years _..._ $6,614 f you would like information about credit counseling services, call 1-800-347-1121. 1 REWARDS Make Check payable to Discover Please fold on the perforation below, detach and return with your payment Cashback Bonus® Opening Balance New Cashback Bonus This Period Redeemed This Period Cashback Bonus Balance To learn more, log in at Discover.com +$ Anniversary Month May 0.00 0.00 0.00 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Payment Coupon Please do not fall, ,rI P or staple: Pcly Online Discover sm Pay by Phone 1-80N347-2883 IIIIi1111111111111111'1""111 IIIt ILII I11IH111111,111;11 ROBERT GENET 305 W ELMWOOD AVE MECHANICSBURG PA 17055-4126 301202061 Internet payments must be received by 5PM ET to be credited as of the some day Address, e-mail or telephone changed? Note changes on reverse side 000001986456300501178031404002000000048000 Account number ending in 7700 I • Minimum Payment Due $480.00' New Balance $3,140.40 Payment Due Date February 11, 2013 Amount enclosed $ PO BOX 71084 CHARLOTTE NC 28272-1084 "111III11111111'I'111111111,111'!II1111lel ROBERT GENET Account number ending in 7700 Important Information See your Cardmember Agreement. Your Cardmember Agreement contains oll the terms of your Account. Lost or stolen cords. Report immediately) Coll 1-800-347-2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at: Discover, PO Box 30421, Salt Loke City, UT 84130-0421. You must write to us within 60 days after the error appeared on your statement. You may call us, but if you do we are not required to investigate any potential errors, and you may have to pay the amount in question. The Billing Rights Notice further explains your rights. A copy of this notice is available a1 www.Discover.com. Payments. You may pay oll or port of your Account balance at any time. However, you must pay at least the Minimum Payment Due by the Payment Due Dote. Send only your payment and the bottom portion of this statement in the envelope provided. Do not send cosh. If you pay by check, you authorize us to use information on your check to make on electronic fund transfer from your account ot the financial institution indicated on your check or to process the payment as a check transaction. If a payment is processed os an electronic fund transfer, the transfer will be for the amount of the check. When we use information from your check to make on electronic fund transfer, funds may be withdrawn from your account as soon os the same day we receive your payment, and you will not receive your check bock from your financial institution. The processing of your payment may be delayed if you send cosh, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day. Payments received at our processing facility after 5PM local time will be credited to your Account os of the next dcy. If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197.6103. Please allow 7.10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you con setup automatic payments through o customer service representative by calling 1-800-347-2683. Automatic payments for the billing period shown on your statement will be deducted on the Payment Due Dote shown on that statement, or the next automatic payment date referred to on your statement, unless you request o recurring payment dote (e.g., the 15" day of the month) that occurs before your Payment Due Date or Close Date. If your scheduled payment dote falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the lost four (4) digits of the social security number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account. You also authorize us to initiate debit or credit entries to your bank account, as applicable, lo correct an error in the processing of such payment. You con concel a scheduled payment by phone al 1-800.347-2683 or by mail ot Discover, PO Box 30421, Salt Lake City, UT 84130-0421; however, we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be. CHANGE OF ADDRESS Open Dote Dec 17 2012 Close Dote: Jon 16, 2013 Pave 2 of 4 You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. law. You con set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a Fixed dollar amount, or (iv) Other dollar amount. If your scheduled "Other dollar amount" payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. If your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the billing statement based on credits or payments after the Close Dote. If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records. Amount: [ Full Pay LI Min Poy C Min Pay+ $ Other Amounts ; Bank Routing #: Bank Account # Monthly on the LI Payment Due Dote ['Close Date �._ Day of month (insert dote) Credit Reporting. We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at the following address: Discover, PO Box 15316, Wilmington, DE 19850.5316. Please include your name, address, home telephone number and Account number, Paying Interest. Your due date is of least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will not charge you any interest on Purchasesifyou pay your entire balance by the due dote each month. We will begin charging interest on Cash Advances and Balance Transfers os of the later of the Transaction Date or the first day of the billing period in which the transaction posted to your Account. How We Calculate Interest Charges. We Use the Daily Balance Method (including current transactions) to calculate the Balance Subject to Interest Rote. For more information, please call us at 1-800-347-2683. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rote. It shows this for each transaction category. The Balance Subject to Interest Rale is the overage of the daily balances during the billing period. Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of $1.00 or more after 6 months, or as otherwise required by applicable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® card is issued by Discover Bank, Member FDIC. TL23N If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Street Address City 3M6106 Home Phone Work Phone Email To make changes to your address, email or telephone number, visit Discover.com Continued on next page DISC VER CONTACT US Web Access your account securely at Discover.com Transactions Mobile Manage your account anytime, anywhere at m.Discover.com Trans. Date Post Date Discover More Card Account number ending in 7700 Open Dote: Dec 17, 2012 - Close Dote: Jan 16, 2013 Page 3 of 4 Phone Inquiry 1 -800 -DISCOVER Discover (1-800-347-2683) PO Box 30943 TDD 1-800-347.7449 Solt Lake City UT 84130 Moil Payments Discover PO Box 6103 Corol Stream IL 60197.6103 .I Fees Jan 11 Jan 11 LATE FEE TOTAL FEES FOR THIS PERIOD 35.00 35.00 Interest Charged 2013 Totals Year -to -Date INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD 0.00 30.66 0.00 30.66 TOTAL FEES CHARGED IN 2013 S 35.00 TOTAL INTEREST CHARGED IN 2013 S 30,66 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 31 days ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchases 0.00% $1,584.73 $0.00 Cash Advances 23.99% V $1,504.79 S30.66 V=Voriable Rote 30120206 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION ROBERT GENET Account number ending in 7700 Open Date: Dec 17, 2012 • Close Dote: Jon 16, 2013 Pogo 4 of 4 30120206 DISC VER ACCOUNT SUMMARY Previous Balance Payments and Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $3,140.40 $0.00 + $0.00 + $0.00 + $0.00 + $35.00 + $31.29 53,206.69 See Interest Charge Calculation section following the Transactions section for detailed APR information Credit Line Credit Line Available Cosh Advance Credit Line Cash Advance Credit Line Available You may be able to avoid interest on Purchases. See reverse for details. $3,000 $0 $1,500 $0 Contact Us Discover.com 1.800-347.2683 Make Check payable to Discover Please fold on the perforation below, detach and return with your payment Discover More Card Account number ending in 7700 Open Date: Jon 17, 2013- Close Dote: Feb 16, 2013 Cardmember Since 2012 Page 1 of 4 PAYMENT INFORMATION New Balance Minimum Payment Due' Payment Due Dote ' Includes past due amount of: $3,206.69 $567.00 March 11, 2013 $480.00 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35.00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 23.99% variable. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you make. no.additionaicharges using Os wrd andandsrnotttff+ yop pay..• Yott will ppay off Ilse baltsose46;mm an thit slafement And you win aria up: paylos oft esiiroit mil Iota Only the minimumpay..ment ......:.......__..__.....10.. years...._.............__..........._.........._$6,656 f you would like information about credit counseling services, call 1-800-347-1121. REWARDS Cashback Bonus® Opening Balance New Cashback Bonus This Period Redeemed This Period Cashback Bonus Balance To learn more, log in at Discover.com $ +5 -$ Anniversary Month May 0.00 0.00 0.00 -- .__..__...._..-- 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Poyrtuent C*upon f kala do not taldd. Flip Of 00. Pay Online Piiseovomorn Pay by Phone #.-80d 47726;53 '111111 llllII llllll1;il,ll Iii ll;l;ll 'ill! ROBERT GENET 305 W ELMWOOD AVE MECHANICSBURG PA 17055-4126 301202061 Internet payments must be received by 5PM ET to be credited as of the same day Address, e-mail or telephone changed? Note changes on reverse side Account number ending in Minimum Payment Due 77001 $567.00 New Balance $3,206.69 Payment Due Date Amount enclosed March 11, 2013 Is PO BOX 71084 CHARLOTTE NC 28272-1084 II'�l�I Illlllllllllll`IIIII' Ill"lill l ':I'Illiiill 1,1.11 000001986456300501178032066900179000056700 ROBERT GENET Account rnrmber ending in 7700 Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately) Call 1-800.347-2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is on error on your statement, write to us at: Discover, PO Box 30421, Salt Lake City, UT 84130-0421. You must write to us within 60 days after the error appeared on your statement. You may call us, but if you do we ore not required to investigate any potential errors, and you may have to pay the amount in question. The Billing Rights Notice further explains your rights. A copy of this notice is available at haps://discover.com/billingrights. Payments. You may pay all or part of your Account balance at any time. However, you must pay of least the Minimum Payment Due by the Payment Due Date. Send only your payment and the bottom portion of this statement in the envelope provided. Do not send cosh. If you pay by check, you authorize us to use information on your check to moke on electronic fund transfer from your account of the financial institution indicated on your check or to process the payment as o check transaction. If a payment is processed as an electronic fund transfer, the transfer will be for the amount of the check. When we use information from your check to make on electronic fund transfer, funds may be withdrawn from your account as soon as the some day we receive your payment, and you will not receive your check bock from your financial institution. The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use on envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day. Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197.6103. Please allow 7.10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as on electronic debit. Payments made online or by phone will be credited as of the day of receipt if mode by 5 PM Eastern time. You con pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1-800-347-2683. Automatic payments for the billing period shown on your statement will be deducted on the Payment Due Date shown on that statement, or the next automatic payment date referred to on your statement, unless you request a recurring payment dote (e.g., the 15'^ day of the month) that occurs before your Payment Due Date or Close Date. If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4) digits of the social security number of the primary borrower. By providing Mose numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account. You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment. You con cancel a scheduled payment by phone at 1-800-347-2683 or by moil at Discover, PO Box 30421, Solt Lake City, UT 84130-0421; however, we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be. CHANGE OF ADDRESS O n Date Jan 17, 2013 - Close Date Feb 16 2013 Pat !?...2.9f 4 You must ensure11101 sufficient funds ore available in your bank account, and all transactions must comply with U.S. low. You con set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) Other dollar amount. If your scheduled "Other dollar amount' payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. If your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance. Your oulomotic payment amount may be less than the amount indicated on the billing statement based on credits or payments after the Close Date. If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records. Amount: DFull Pay LMin Pay [Min Pay+ $ Other Amounts ; Bonk Routing #: Bank Account # • Monthly on the 1=7 Payment Due Dole I.1 Close Date (. Day of month (insert dote) Credit Reporting. We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us of the following address: Discover, PO Box 15316, Wilmington, DE 19850-5316. Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will not charge you any interest on Purchases if you pay your entire bolance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Date or the first day of the billing period in which the transaction posted to your Account. How We Calculate Interest Charges. We Use the Daily Balance Method (including current transactions) to calculate the Balance Subject to Interest Rate. For more information, please toll us at 1-800-347-2683. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rote is the overage of the daily balances during the billing period. Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of $1.00 or more after 6 months, or as otherwise required by applicable low, or upon request mode to the address in the Contact Us section on page 3 of your billing statement. Discover may monitor and/or record telephone tolls between you and Discover representatives for quality assurance purposes. The Discoverctt card is issued by Discover Bank, Member FDIC. TL23N If correct on front, do not use. Please print clearly in blue or block ink, in the space provided. Street Address City 336O6 Home Phone Work Phone Email To make changes to your address, email or telephone number, visit Discover.com Continued on nest page DISC VER CONTACT US Web Access your account securely at Discover.com Transactions 0 Mobile Manage your account anytime, anywhere at m.Discover.com Trans. Date Post Date Phone 1 -800 -DISCOVER (1-800-347-2683) TDD 1-800-347-7449 Discover More Card Account number ending in 7700 Open Date: Jan 17, 2013 - Close Date: Feb 16, 2013 Page 3 of 4 Inquiry Moil Payments Discover Discover PO Box 30943 PO Box 6103 Solt Lake City Carol Stream UT 84130 11 60197.6103 Fees Interest Charged Feb 11 Feb 11 LATE FEE TOTAL FEES FOR THIS PERIOD 2013 Totals Year -to -Date INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD TOTAL FEES CHARGED IN 2013 TOTAL INTEREST CHARGED IN 2013 $ $ $ S 35.00 35.00 0.00 31.29 0.00 31.29 70.00 61.95 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rote on your account. Current Billing Period: 31 days ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchases 0.00% $1419.73 $0.00 Cash Advances 23.99% V $1,535.76 $31.29 V=Voriable Rate 30120206 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION ROBERT GENET Account number ending in 7700 Open Date Jon 17, 2013 -Close Date: Feb 16, 2013 Pope 4 of 4 30120206 ACCOUNT SUMMARY Previous Balance Payments and Credits Purchases Balance Transfers Cosh Advances Fees Charged Interest Charged New Balance $3,206.69 $65.00 + $0.00 + $0.00 + $0.00 + $35.00 + $27.70 $3,204.39 See Interest Charge Calculation section following the Transactions section for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available You may be able to ovoid interest on Purchases. See reverse for details. $3,000 $0 $1,500 $0 I - Contact Us Discover.com 1-800-347-2683 See Information For You' section for important information regarding Your Billing Rights. Please make check payable to Discover. You are overlimit. Pay the sum of the Minimum Payment Due plus the remaining overlimit amount of $204.39. Make Check payable to Discover. Please fold on i he perforation below, detach and return with your payment. Discover More Card Account number ending in 7700 Open Date: Feb 17, 2013- Close Dote: Mar 16, 2013 Cardmember Since 2012 Page 1 of 4 PAYMENT INFORMATION New Balance $3,204.39 Minimum Payment Due • $650.00 Payment Due Date April 11 2013 • Includes past due amount of: $567.00 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay o late fee of up to $35.00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 23.99% variable. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: if -r0,41411- imireoiliittai*:' itirL 7700 Minimum Payment Due bitaeeterA:Nd: ......�Y. h Only the minimum payment 10 veers $6,458 If you would like information about credit counseling services, call 1-800-347.1121 REWARDS Cashback Bonus® Opening Balance New Cashback Bonus This Period Redeemed This Period Cashback Bonus Balance To learn more, log in at Discover.com $ -S Anniversary Month May 0.00 0.00 0.00 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION diillL1IIIiIs1111.1n1llll'ii1IiII11.1,1ln11dlf 11111.111.1.11l ROBERT GENET 305 W ELMWOOD AVE MECHANICSBURG PA 17055-4126 301202,0,6nd Internet payments must be received by 5PM ET to be credited as of the same day. Address, e-mail or telephone changed? Note changes on reverse side. Account number ending in 7700 Minimum Payment Due $650.00 New Balance $3,204.39 Payment Due Date April 11, 2013 Amount enclosed $ PO BOX 71084 CHARLOTTE NC 28272-1084 hl�I�luIIIlrilnnl��Iu�Iu��l'1"IliiIi'Is,Iil'I'III1ur�llniu 000001986456300501178032043900175000065000 ROBERT GENET Account number ending in 7700 Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cords. Report immediately) Coll 1.800-347-2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to vs at: Discover, PO Box 30421, Solt Lake City, UT 84130-0421 You must write to us within 60 days after the error appeared on your statement. You may call us, but if you do we ore not required to investigate any potential errors and you may hove to pay the amount in question. The Billing Rights Notice further explains your rights. Please see your Cardmember Agreement or visit https://discover.com/billingrights for a copy of this notice. Payments. You may pay all or part of your Account balance at any time. However, you must pay at least the Minimum Payment Due by the Payment Due Date. Send only your payment and the bottom portion of this statement in the envelope provided. Do not send cash. If you pay by check, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. If a payment is processed as on electronic fund transfer, the transfer will be for the amount of the check. When we use information from your check to make on electronic fund transfer, funds may be withdrawn from your account as soon os the same day we receive your payment, and you will not receive your check bock from your financial institution. The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided. Payments received in proper form at our processing focility by 5PM local time on any day will be credited to your Account os of that day. Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day. If you have misplaced your envelope,send your payment to Discover, PO Box 6103, Carol Stream, IL 60197.610. Please allow 7.10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. Payments mode online or by phone will be credited as of the day of receipt if made by 5PM Eastern time. You con pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you con setup automatic payments through a customer service representative by calling 1-800.347-2683. Automatic payments for the billing period shown on your statement will be deducted on the Payment Due Date shown on that statement, or the next automatic payment dote referred to on your statement, unless you request a recurring payment date (e.g., the 15t day of the month) that occurs before your Payment Due Dote or Close Date. If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior fo the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4) digits of the social security number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account. You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such pay ent You con cancel o scheduled payment by phone at 1.600-347-2683 or by moil at Discover, PO Box 301421, Salt Loke City, UT 84130-0421 • however, we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be mode and how much it will be. CHANGE OF ADDRESS Open Date: Feb 17, 2013 Close Dote: Mar 16, 2013 Page 2 of 4 You must ensure that sufficient funds are available in your bunk account, and all transections must comply with U.S. law. You can set automatic payments for (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) Other dollar amount. If your scheduled "Other dollar amount' payment is not enough to cover the Minimum Payment Due os listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. If your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the billing statement based on credits or payments after the Close Date. If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records. Amount: 0 Full Pay 0Min Poy 0Min Pay+ $ 0 Other Amounts _ • Bonk Routing #: Bank Account # Monthly on the 0 Payment Due Dote 0 Close Dote 0 Day of month (insert date) Credit Reporting. We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. II you believe that our report is inaccurate or incomplete, please write us at the following oddress: Discover, PO Box 15316, Wilmington, DE 19850-5316. Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will not charge you any interest on Purchases if you pay your entire balance by the due dote each month. We will begin charging interest on Cosh Advances and Balance Transfers as of the later of the Transaction Date or the first day of the billing period in which the transaction posted to your Account. How We Calculate Interest Charges. We Use the Daily Balance Method (including current transactions) to calculate the Balance Subject to Interest Rote. For more information, please toll us at 1-800-347-2683. Balance Subject to Interest Rote. Your statement shows o Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rote is the average of the daily balances during the billing period. Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of $1.00 or more after 6 months, or os otherwise required by applicable law, or upon request mode to the address in the Contact Us section on page 3 of your billing statement. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® card is issued by Discover Bank, Member FDIC. TL23N If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Street Address City 301/tW/66 Home Phone Work Phone Email To make changes to your address, email or telephone number, visit Discover.com Continued on next page Discover More Card Account number ending in 7700 Open Date: Feb 17, 2013 Close Date: Mar 16, 2013 Page 3 of 4 CONTACT US Web Mobile Access your Manage your account securely account anytime, at Discover.com anywhere at m.Discover.com © Phone 1 -800 -DISCOVER (1-800-347-2683) TDD 1.800-347-7449 Inquiry 0 Mail Payments Discover Discover PO Box 30943 PO Box 6103 Sok Lake City Carol Stream UT 84130 IL 60197-6103 Transactions Payments and Credits Trans. Date Post Date Feb 19 Feb 19 REFUND OF FEES -65.00 Fees Mar 11 Mar 11 LATE FEE TOTAL FEES FOR THIS PERIOD $ 35.00 35.00 Interest Charged INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD $ 0.00 27.70 0.00 27.70 2013 Totals Year -to -Date TOTAL FEES CHARGED IN 2013 TOTAL INTEREST CHARGED IN 2013 $ 105.00 $ 89.65 Interest Charge Calculation Your Annual Percentage Rote (APR) is the annual interest rate on your account. Current Billing Period: 28 days TYPE OF BALANCE Purchases Cash Advances V ----Variable Rote ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO (APR) INTEREST RATE 0.00% $1,654.73 23.99% V $1,504.95 INTEREST CHARGE $0.00 $27.70 Information For You Your Billing Rights: Keep This Document For Future Use This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. What To Do If You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at: Discover,PO Box 30421,Solt Lake City, UT 84130-0421 In your letter, give us the following information: Account information: Your name and account number. Dollar amount: The dollor amount of the suspected error. Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us: Within 60 days after the error appeared on your statement. At least 3 business days before an automated payment is scheduled, if you wont to stop payment on the amount you think is wrong. You must notify us of any potential errors in writing. You may call vs, bvt if you do we are not required to investigate any potential errors and you may hove to pay the amount in question. What Will Happen After We Receive Your Letter When we receive your letter; we must do two things: 1 Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. While we investigate whether or not there has been an error. We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. While you do not have to pay the amount in question, you ore responsible for the remainder of your balance. 3012020epply any unpaid amount against your credit limit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION ROBERT GENET Account number ending in 7700 Open Dote: Feb 17, 2013 Close Dote: Mar 16, 2013 Page 4 of 4 Information For You Continued After we finish our investigation, one of two things will happen: If we mode a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. (f we do not believe there was o mistake: You will hove to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe. If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter hos been settled between us. If we do not follow all of the rules above, you do nal have to pay the first $50 of the amount you question even if your bill is correct. Your Rights If You Are Dissatisfied With Your Credit Card Purchasers If you ore dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may hove the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1 The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must hove been more than $50. (Note: Neither of these ore necessary if your purchase was based on an advertisement we moiled to you, or if we own the company that sold you the goods or services.) 2. You must hove used your credit card for the purchase. Purchases mode with cosh advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you ore still dissatisfied with the purchase, contact us in writing at: Discover PO Box 30945 Sok Lake City, UT 84130-0945 While we investigate, the same rules apply to the disputed amount os discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you os delinquent. 30120206 DISC VER ACCOUNT SUMMARY Previous Balance $3,206.69 Payments and Credits — $65.00 Purchases + $0.00 Balance Transfers + $0.00 Cash Advances + $0.00 Fees Charged + $35.00 Interest Charged + $27.70 New Balance $3,204.39 See Interest Charge Calculation section following the Transactions section for detailed APR information Credit Line $3,000 Credit Line Available $0 Cash Advance Credit Line $1,500 Cosh Advance Credit Line Available $0 You may be able to ovoid interest on Purchases. See reverse for details. t. Contact Us Discover.com 1.800-347.2683 See "Information For You section for important information regarding Your Billing Rights. Please make check payable to Discover. You are overlimit. Pay the sum of the Minimum Payment Due plus the remaining overlimit amount of $204.39. Make Check payable to Discover Please fold on the perforation below, detach and return with your payment Discover More Card Account number ending in 7700 Open Dote: Feb 17, 2013- Close Date: Mar 16, 2013 Cardmember Since 2012 PAYMENT INFORMATION Page 1 of 4 New Balance Minimum Payment Due' Payment Due Date ' Includes past due amount of: $3,204.39 $650.00 April 11, 2013 $567.00 Late Payment Warning: If we do not receive your minimum payment by the dote listed above, you may have to pay a late fee of up to $35.00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 23.99% variable. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: if make no additional chars using thiscard and each error* You Al waif** balance shown an this. • slatetaentt in about.,.:_ And you wiPend UF1 paying on %firmed:war Only the minimum payment.._......._.. _.._.._.10 years... ..._._.._...._._. _._.__. $6,458 f you would like information about credit counseling services, call 1-800-347-1121. REWARDS Cashback Bonus® Opening Balance New Cashback Bonus This Period Redeemed This Period Cashback Bonus Balance To learn more, log in at Discover.com Anniversary Month May $ 0.00 + $ 0.00 -$ 0.00 $ 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Paymen►Coupon ' Pfeat da not falrt„ clip or. ata opPay Online O'iscovehtom Pay hy" Phone 1-8aG341.2683 ihilii 11Ili':1l 11 III:II'"iiI�l 11;11111d I II ROBERT GENET 305 W ELMWOOD AVE MECHANICSBURG PA 17055-4126 301 202061 Internet payments must be received by 5PM ET to be credited as of the same day Address, e-mail or telephone changed? Note changes on reverse side 000001986456300501178032043900175000065000 Account number ending in !Minimum Payment Due INew Balance jPayment Due Date lAmount enclosed 77001 $650.00 I $3,204.39 April 11, 2013 PO BOX 71084 CHARLOTTE NC 28272-1084 1'1'1111" ROBERT GENET Account number ending in 7700 Open Date Feb 17, 2013- Close Date: Mar 16, 2013 Page 2 of 4 Important Information See your Carelmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cords. Report immediately) Coll 1.800.347-2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is on error on your statement, write to us at: Discover, PO Box 30421, Salt Loke City, UT 84130-0421. You must write to us within 60 days after the error appeared on your statement. You may colt us, but if you do we are not required io investigate any potential errors and you may hove to pay the amount in question. The Billing Rights Notice further explains your rights. Please see your Cardmember Agreement or visit https://discover.com/billingrights for o copy of this notice. Payments. You may pay all or port of your Account balance at any time. However, you must pay at least the Minimum Payment Due by the Payment Due Date. Send only your payment and the bottom portion of this statement in the envelope provided. Do not send cosh. If you pay by check, you authorize us to use information on your check to make on electronic fund transfer from your account of the financial institution indicated on your check or to process the payment as o check transaction. If a payment is processed as on electronic fund tronsfer, the transfer will be for the amount of the check. When we use information from your check to make on electronic fund transfer, funds may be withdrawn from your account as soon as the some day we receive your payment, and you will not receive your check back from your financial institution. The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use on envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day, Payments received at our processing focility after 5PM local time will be credited to your Account as of the next day. If you hove misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 601976103. Please allow 7.10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as on electronic debit. Payments made online or by phone will be credited as of the day of receipt if mode by 5 PM Eastern time. You con pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you con setup automatic payments through a customer service representative by calling 1-800-347-2683. Automatic payments for the billing period shown on your statement will be deducted on the Payment Due Dote shown on that statement, or the next automatic payment date referred to on your statement, unless you request a recurring payment dote (e.g., the 15" day of the month) that occurs before your Payment Due Date or Close Date. If your scheduled payment dote falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4) digits of the social security number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected you, from your bank account. You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment. You con cancel a scheduled payment by phone at 1-800.347-2683 or by mail of Discover, PO Box 30421, Solt Lake City, UT 84130-0421; however, we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be mode and how much it will be. CHANGE OF ADDRESS You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. law. You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) Other dollar amount. If your scheduled 'Other dollar amount" payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. If your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the billing statement based on credits or payments after the Close Date. If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records. Amount: Full Poy CI Min Pay C Min Pay+ S Other Amounts ; Bank Routing #: Bonk Account # Monthly on the 11 Payment Due Date [I Close Date L Day of month (insert date) Credit Reporting. We may report information about your Account to credit bureous. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us of the following address: Discover, PO Box 15316, Wilmington, DE 19850-5316. Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will not charge you any interest on Purchases if you pay your entire balance by the due dote each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Dote or the first day of the billing period in which the transaction posted to your Account. How We Calculate Interest Charges. We Use the Daily Balance Method (including current transactions) to calculate the Balance Subject to Interest Rate. For more information, please call us at 1-800-347-2683. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rote is the average of the doily balances during the billing period. Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of 51.00 or more after 6 months, or as otherwise required by applicable law, or upon request mode to the address in the Contact Us section on page 3 of your billing statement. Discover may monitor and/or record telephone coils between you and Discover representatives for quality assurance purposes. The Discover® cord is issued by Discover Bank, Member FDIC. TL23N 1 If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Street Address j Home Phone City 3806 Work Phone Email To make changes to your address, email or telephone number, visit Discaver.com Continued on next page DISC VER CONTACT US Web CI Mobile Access your Manage your account securely account anytime, at Discover.corn anywhere at m.Discover.com Phone 1-800• DISCOVER (1-800-347-2683) TDD 1-800-347-7449 Discover More Card Account number ending in 7700 Open Dote: Feb 17, 2013 - Close Dote: Mor 16, 2013 Page 3 of 4 Transactions Trans. Date Post Date Payments and Credits Feb 19 Feb 19 REFUND OF FEES Fees Mar 11. Mar 11 LATE FEE TOTAL FEES FOR THIS PERIOD Inquiry Mail Payments Discover Discover PO Box 30943 PO Box 6103 Solt Lake City Carol Stream UT 84130 IL 60197.6103 5 -65.00 $ 35.00 35.00 Interest Charged INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD $ 0.00 27.70 0.00 27.70 2013 Totals Year -to -Date TOTAL FEES CHARGED IN 2013 TOTAL INTEREST CHARGED IN 2013 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rote on your account. Current Billing Period: 28 days $ 105.00 $ 89.65 ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchases 0.00% $1,654.73 $0.00 Cash Advances 23.99% V $1,504.95 527.70 V ---Variable Rote Information For You Your Billing Rights: Keep This Document For Future Use This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. What To Do If You Find A Mistake On Your Statement If you think there is on error on your statement, write to us ot: Discover,PO Box 30421,5011 Lake City, UT 84130-0421. In your letter, give us the following information: • Account information: Your name and account number. • Dollar amount: The dollar amount of the suspected error. • Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us: • Within 60 days after the error oppeored on your statement. • At least 3 business days before on automated payment is scheduled, if you want to stop payment on the amount you think is wrong. You must notify us of any potential errors in_writing. You may call us, but if you do we ore not required to investigate any potential errors and you may have to pay the amount in question. What Will Happen After WeReceive Your Labe r. When we receive your letter, we must do two things: 1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we hove already corrected the error. 2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. While we investigate whether or not there has been on error: • We cannot try to called the amount in question, or report you as delinquent on that amount. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. • Whil_eyou do not have to pay the amount in question, you are responsible for the remainder of your balance. 3011 Uidekply any unpaid amount against your credit limit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION ROBERT GENET Account number ending in 7700 Open Dote: Feb 17, 201 Information For You ... Continued 6, 2013 . Page 4 of 4 After we finish our investigation, one of two things will hoppers: • If we mode a...mistake: You will not hove to pay the amount in question or ony interest or other fees related to that amount. • If we do not believe there was a mistake: You will hove to pay the amount in question, along with applicable interest and fees. We will send you o statement of the amount you owe and the dote payment is due. We may then report you as delinquent if you do not pay the amount we think you owe. If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you ore questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those orgonizotions know when the matter has been settled between us. If we do not follow oll of the rules above, you do not hove to pay the first $50 of the amount you question even if your bill is correct. Your Rights If You Are,..Dissofisfied With Your Credit Cord Purchases If you are dissatisfied with the goods or services that you have purchased with your credit cord, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current moiling address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must hove used your credit card for the purchase. Purchases made with cash advances from on ATM or with a check 'hot accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you ore still dissatisfied with the purchase, contact us inwriiing at: Discover PO Box 30945 Salt Lake City, UT 84130-0945 While we investigate, the some rules apply to the disputed amount os discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think yov owe an amount and you do not pay, we may report you as delinquent. 30120206 to, DISC VER ACCOUNT SUMMARY (Previous Balance Payments and Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance See Interest Charge Calculation Transactions section for detailed S3,206.69 $65.00 + $0.00 + $0.00 + $0.00 + $35.00 + $27.70 $3,204.39 section following the APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available You may be able to avoid interest an Purchases. See reverse for details. $3,000 $0 $1,500 $0 Contact Us Discover.com 1-800.347-2683 See "Information For You" section for important information regarding Your Billing Rights. Please make check payable to Discover. You are overlimit. Pay the sum of the Minimum Payment Due plus the remaining overlimit amount of $204.39. Make Check payable to Discover Please fold on the perforation below, detach and return with your payment Discover More Card Account number ending in 7700 Open Date: Feb 17, 2013- Close Dote: Mar 16, 2013 Cardmember Since 2012 Page 1 of 4 PAYMENT INFORMATION New Balance Minimum Payment Due Payment Due Date ' Includes past due amount of: $3,204.39 $650.00 April 11, 2013 $567.00 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay o late fee of up to $35.00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 23.99% variable. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If make. np addilionatehorgea. :using thista d and ends ritorilb you' pay,., You Avg payoff lire Ana yopwiBeadityi lwkttlaei slrawe1 orr. tiZ - payt3 on a whine edlol'Of _ siatetnett4ikaatit.,, oi:: Only the minimum payment 10 years_....__._.....i._._....._..._ $6,458 1 f you would like information about credit counseling services, call 1-800-347-1121. REWARDS Cashback Bonus® Opening Bolonce New Cashback Bonus This Period Redeemed This Period Cashback Bonus Balance To learn more, log in at Discover.com Anniversary Month May $ 0.00 + 5 0.00 — $ 0.00 $ 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION PcrymentCoupon toNg g dp nari it* clip of sfrtipla: Pay Online dlsoOvectam Pay by Phone 1-80044.7-2683 Mill: I1IIIiI111,111l1111111 1111111 i i. iI 11111'11,1''Il ROBERT GENET 305 W ELMWOOD AVE MECHANICSBURG PA 17055-4126 etti 301 202061 Internet payments must he received by 5PM Er to be credited as of the same day Address, e-mail or telephone changed? Note changes on reverse side Account number ending in 1Minimum Payment Due I New Balance Payment Due Date I. Amount enclosed 7700 $650.001 $3,204.39 April 11, 2013 PO BOX 71084 CHARLOTTE NC 28272-1084 II'1111111111111;I11Is1IIl1llll 11 li1l'11,111'l It 0000031986456300501178032043900175000065000 i ROBERT GENET Account number ending in 7700 Open Date: Feb 17, 2013 - Close Dote: Mar 16, 2013 __Page 2 of_4 Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediatelyl Coll 1-800.347-2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is on error on your statement, write to us at: Discover, PO Box 30421, Salt Lake City, UT 84130-0421. You must write to us within 60 days after the error appeared on your statement. You may call us, but if you do we ore not required to investigate any potential errors, and you may hove to pay the amount in question. The Billing Rights Notice further explains your rights. Please see your Cordmember Agreement or visit https://discover.com/billingrights for a copy of this notice. Payments. You may pay all or port of your Account balance at any time. However, you must pay at least the Minimum Poyment Due by the Payment Due Dote. Send only your payment and the bottom portion of this statement in the envelope provided. Do not send cash. If you pay by check, you authorize us to use information on your check to make on electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as o check transaction. If a payment is processed as on electronic fund transfer, the transfer will be for the amount of the check. When we use information from your check to make on electronic fund transfer, funds may be withdrawn from your account os soon os the some day we receive your payment, and you will not receive your check back from your financial institution. The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day. Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197.6103. Please allow 7.10 days for delivery. If your payment is returned unpaid, we reserve the right fo resubmit it as an electronic debit. Payments made online or by phone will be credited os of the day of receipt if mode by 5 PM Eastern time. You con pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you con setup automatic payments through a customer service representative by culling 1-800.347-2683. Automatic payments for the billing period shown on your statement will be deducted on the Payment Due Dote shown on that statement, or the next automatic poyment date referred to on your statement, unless you request a recurring payment dote (e.g., the 151h day of the month) that occurs before your Payment Due Dote or Close Date. If your scheduled payment dote falls on o weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4) digits of the social security number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeing to this authorization to ollow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account. You also outhorize us to initiate debit or credit entries to your bank account, os applicable, to correct an error in the processing of such payment. You con cancel a scheduled payment by phone at 1-800-347-2683 or by mail at Discover, PO Box 30421, Solt Lake City, UT 84130-0421; however, we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be mode and how much it will be. CHANGE OF ADDRESS You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. law. You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) Other dollar amount. If your scheduled 'Other dollar amount' payment is not enough to cover the Minimum Payment Due os listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater thon the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. If your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the billing statement based on credits or payments after the Close Dote. If you enroll by phone in our automotic payment service, please fill-in the following blanks below and retain the authorization for your records. Amount: Ci Full Pay QMin Poy 0Min Poy+ S 11 Other Amount$ ; Bank Routing #: Bank Account # Monthly on the L] Payment Due Dole U Close Dote Doy of month (insert date) Credit Reporting. We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at the following address: Discover, PO Box 15316, Wilmington, DE 19850-5316. Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (ot least 23 days for billing periods that begin in February). We will not charge you any interest on Purchases if you pay your entire balance by the due dote each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Dote or the first day of the billing period in which the transaction posted to your Account. How We Calculate Interest Charges. We Use the Doily Balance Method (including current transactions) to calculate the Balance Subject to Interest Rote. For more information, please call us at 1-800-347-2683. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rate is the overage of the doily balances during the billing period. Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of $1.00 or more after 6 months, or as otherwise required by applicable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® card is issued by Discover Bank, Member FDIC. TL23N If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Street Address n City 38 Y 6 O6 Home Phone Work Phone Email To make changes to your address, email or telephone number, visit Discover.com Continued on next page DISC VER CONTACT US Web Access your account securely at Discover.com e Mobile Manage your account anytime, anywhere at m. Discover.com Phone 1 -800 -DISCOVER (1-800-347-2683) TDD 1-800-347-7449 Transactions Trans. Date Post Date Payments and Credits Feb 19 Feb 19 REFUND OF FEES Fees Mar 11 Mar 11 LATE FEE TOTAL FEES FOR THIS PERIOD Discover More Card Account number ending in 7700 Open Dote: Feb 17, 2013 - Close Dote: Mar 16, 2013 Page 3of4 Inquiry Discover PO Box 30943 Salt Lake City UT 84130 Moil Payments Discover PO Box 6103 Carol Stream IL 60197-6103 -65.00 35.00 35.00 Interest Charged INTEREST CHARGE ON INTEREST CHARGE ON INTEREST CHARGE ON TOTAL INTEREST FOR PURCHASES CASH ADVANCES BALANCE TRANSFERS THIS PERIOD 0.00 27.70 0.00 27.70 2013 Totals Year -to -Date TOTAL FEES CHARGED IN 2013 TOTAL INTEREST CHARGED IN 2013 Interest Charge Calculation Your Annual Percentage Role (APR) is the annual interest rate on your account. Current Billing Period: 28 days TYPE OF BALANCE Purchases Cash Advances V=Variable Rate ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO (APR) INTEREST RATE 0.00% $1,654.73 23.99% V $1,504.95 5 105.00 $ 89.65 INTEREST CHARGE $0.00 527.70 Information For You Your Billing Rights: Keep This Document For Future Use This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. Whatlo Dolf You Find A MistakeOn_Your Statement If you think there is an error on your statement, write to us at: Discover,P0 Box 30421,Sall Lake City, UT 84130-0421. In your letter, give us the following information: • Account information: Your name and account number. • Dollar amount: The dollar amount of the suspected error. • Description ofproblem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us: • Within 60 days after the error appeared on your statement. • At least 3 business doys before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may hove to pay the amount in question. What Will Happen After We Receive Your Letter. When we receive your letter, we must do two things; 1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 2. Within 90 days of receiving your letter, we must either correct the error or exploin to you why we believe the bill is correct. While we investigate whether or not there has been an error: • We cannot try to collect the amount in question, or report you as delinquent on that amount. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. • Whillee You do not have to pay the amount in question, you ore responsible for the remainder of your balance. 304e2e206ply any unpaid amount against your credit limit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION ROBERT GENET Account Information For You ... Continued ending in 7700 Open Dote: Peb 17 2013 Ctose Date: Mar 16, 2013 Page 4 of 4 After we finish our investigation, one of two Things will happen: • Ifwemode o,,.mistake: You will not hove to pay the amount in question or any interest or other fees related to that amount. • If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe. If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you ore questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct. Your Rights If You Are Dissatisfied With Your Credit Cor4PurGfwses, If you are dissatisfied with the goods or services that you have purchased with your credit card, end you hove tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current moiling address, and the purchase price must have been more than $50. (Note: Neither of these ore necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases mode with cosh advances from on ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet hove fully paid for the purchase. If all of the criteria above are mel and you ore still dissatisfied with the purchase, contact us in writing at: Discover PO Box 30945 Salt Lake City, UT 84130-0945 While we investigate, the some rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decisi point, if we think you owe an amount and you do not pay, we may report you as delinquent. At th 30120206 DISCOVER' CARDMEMBER AGREEMENT TL23J.1210 Thank you for choosing Discover® card. This Agreement explains the current terms and conditions of your Account. The enclosed Pricing Schedule is part of this Agreement. Please read this Agreement, induding the Pricing Schedule, carefully. Keep them for your records. Contact us if you have any questions. We have included a "Definitions" section for your reference on page 4. ACCEPTANCE OF AGREEMENT You accept this Agreement if you do not cancel your Account within 30 days after receiving a Card. You also accept this Agreement if you or an Authorized User use the Account. You may, however, reject the "Arbitration of Disputes" section as explained in that section. CHANGES TO YOUR AGREEMENT The rates, fees and terms of this Agreement may change from time to time, We may add or delete any term to this Agreement. If required by law, we will give you advance written notice of the change(s) and a right to reject the change(s). We will not charge any fee or interest charge prohibited by law. USING YOUR ACCOUNT Permitted Uses You may use your Account for Purchases, Balance Transfers and Cash Advances. You may not use it for illegal transactions. Authorized Users You may request additional Cards for Authorized Users. You must notify us if you wish to cancel the authority of an Authorized User to use your Account. Joint Accounts If your Account is a joint Account: • each of you agrees to be liable individually and jointly for the entire amount owed on the Account; and • any notice we mail to an address provided by either of you for the Account will serve as notice to both of you. Checks If we provide you with Checks, we will tell you whether we will treat the Check as a Purchase, Balance Transfer or Cash Advance. You may not use these Checks to pay any amount you owe us. Credit Authorizations We may not authorize a transaction for security or other reasons. We will not be liable to you if we decline to authorize a transaction or if anyone refuses your Card, Check or Account number. Credit Lines We will tell you what your Account credit line is. You must keep your Account balance below your Account credit line. If you do not, we may request immediate payment of the amount by which you exceed it. We may establish a lower credit line for Cash Advances. We may increase or decrease your Account credit line or your Cash Advance credit line without notice. We may delay increasing your available credit by the amount of any payment that we receive for up to 10 business days. FEES (See your Pricing Schedule for Additional Fees) Late Fee If you do not pay the Minimum Payment Due by the Payment Due Date, we will charge you a Late Fee. The fee is S25 ii you were not charged a Late Fee during any of the prior six billing periods. Otherwise, the fee is S35. This fee will never exceed the Minimum Payment Due that was due immediately prior to the date on which the fee was assessed. Returned Payment Fee If you make a payment that is not honored by your financial institution, we will charge you a Returned Payment Fee even if the payment is honored after we re -submit it. The fee is $25 if you were not charged a Returned Payment Fee during any of the prior six billing periods. Otherwise, the fee is $35. This fee will never exceed the Minimum Payment Due that was due immediately prior to the date on which the payment was returned to us. Returned Check Fee We will charge you a Returned Check Fee each time we decline to Check Fee during any of the prior six billing periods. Otherwise, the honor a Check. The fee is $25 if you were not charged a Returned fee is $35. This fee will never exceed the amount of the Check. Research Fee We may charge you a Research Fee of $5 for each copy of a billing statement or sales slip that you request. We will not charge this fee if you request copies in connection with a billing dispute. -1- ©2010 Discover Bank, Member FDIC EXHIBIT ANNUAL PERCENTAGE RATES ("APRs") (See your Pricing Schedule for the APRs, including Penalty APRs, that apply to your Account) Variable APRs Your Pricing Schedule may include variable APRs. These APRs are determined by adding the number of percentage points that we specify to the Prime Rate. Variable APRs will increase or decrease when the Prime Rate changes. The APR change will take effect on the first day of the billing period that begins during the same calendar month that the Prime Rate changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due. Penalty APR When It Applies Each time that you do not pay the Minimum Payment Due by the Payment Due Date we may: • terminate any promotional APRs on new transactions; and • increase your APRs for new transactions to Penalty APRs. We will not apply a Penalty APR to Cash Advances. How ft Affects Your Account To determine the variable Penalty APR for a new transaction: • We add up to 5 additional percentage points to the otherwise applicable APR. • We set your Penahy APR based on your creditworthiness and other factors. These factors include your current APRs and Account history. • When we first determine the Penalty APR, we use the Prime Rate that is in effect for the billing period in which you did not pay the Minimum Payment Due by the Payment Due Date. EXAMPLE: Assume the promotional rate for Purchases is 2.99% and the standard rate for Purchases is 15.99%. If you pay late, the rate for all new Purchases could increase up to a variable rate of 20.99%. We Will Notify You We will notify you of the date a Penalty APR will take effect. The Penalty APR will only apply to new transactions with a Transaction Date more than 14 days after we provide the notice to you. We May Reduce It We will review your Account from time to time as required by law to determine if any Penalty APR should be reduced. MAKING PAYMENTS Payment Instructions • You must pay us in U.S. dollars. All checks must be drawn on funds on deposit in the U.S. • You must pay us for all amounts due on your Account. This includes charges made by Authorized Users. • We may refuse to accept a payment in a foreign currency. If we do accept it, we will charge your Account our cost to convert it to U.S. dollars. • We can accept late payments, partial payments or payments marked "payment in full' or with any other restrictive endorsement without losing any of our rights under this Agreement. • We credit your payments in accordance with the terms contained on your billing statement. • If you mail your payment to an address other than the address designated on your billing statement, there may be a delay in processing and crediting the payment to your Account. Minimum Payment Due You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be any amount past due plus the greater of: • $40; • 2% of the New Balance shown on your billing statement (plus $40 if the New Balance includes a Balance Transfer balance); or • any Interest Charges and tate Fee shown on your billing statement, plus $20. The Minimum Payment Due may also include amounts by which you exceed your Account credit line. However, it will never exceed the New Balance. When we calculate the Minimum Payment Due, we may subtract from the New Balance certain fees added to your Account during the billing period. The Minimum Payment Due is rounded up to the nearest dollar. How We Apply Payments We apply payments and credits at our discretion, including in a manner most favorable or convenient for us. In all cases, we will apply payments and credits as required by applicable law. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the dare we credit your payment. INTEREST CHARGES How We Calculate Interest Charges—Daily Balance Method (including current transactions) We calculate interest charges each billing period by first figuring the °daily balance" for each Transaction Category. Transaction Categories include standard Purchases, standard Cash Advances and different promotional balances, such as Balance Transfers. How We Figure the Daily Balance for Each Transaction Category • We start with the beginning balance for each day. The beginning balance for the first day of the billing period is your balance on the last day of your previous billing period. • We add any interest charges accrued on the previous day's daily balance and any new transactions and fees. We add any new transactions or fees as of the later of the Transaction Date or the first day of the billing period in which the transaction or fee posted to your Account. • We subtract any new credits and payments. .2. • We make other adjustments (including those adjustments required in the "Paying Interest` section). How We figure Your Total Interest Charges • We multiply the daily balance for each Transaction Category by its daily periodic rate. We do this for each day in the billing period. This gives us the interest charges for each Transaction Category. To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365. • We add up all the daily interest charges. The sum is the total interest charge for the billing period. How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category. We add Cash Advance Fees to the applicable Cash Advance Transaction Category. We add all other fees to the standard Purchase Transaction Category. INTEREST CHARGES Paying Interest When Interest Charges Begin We begin to impose interest charges on a transaction, fee or interest charge from the day we add it to the daily balance. We continue to impose interest charges until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest on Balance Transfers or Cash Advances. How to Avoid Paying Interest on Purchases ('Grace Period") If you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases, or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement. New Purchases are Purchases that first appear on the current billing statement. How We Apply Payments May Impact Your Grace Period If you de not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases. OTHER IMPORTANT INFORMATION Default You are in default if: • you file bankruptcy or another insolvency proceeding is filed by you or against you; • we have a reasonable belief that you are unable or unwilling to repay your obligations to us; • you die or are legally declared incompetent or incapacitated; • you fail to comply with the terms of this Agreement or any Agreement with us or an Affiliate, including failing to make a required payment when due, exceeding your Account credit line or using your Card or Account for an illegal transaction. If you are in default, we may declare the entire balance of your Account immediately due and payable without notice. Collection Costs If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable attorneys' fees, court or other collection costs, and fees and costs of any appeal. Merchant Disputes If you have a dispute with a merchant, you may request a credit to your Account. If we resolve the dispute in your favor, we will issue a credit to your Account. You assign to us your claim for the credited amount against the merchant and/or any third party. At our request, you agree to provide this assignment in writing. Automatic Billing Arrangements You may set up automatic billing with a merchant. If your Account number or Card expiration date changes, you authorize us to provide this updated information to any such merchant at our discretion. You must contact the merchant directly if you wish to stop automatic billing. Our Privacy Policy We send you our Privacy Policy when you open your Account and annually. Contact us or visit Discover.com if you would like a copy. Please read it carefully. It summarizes: • the personal information we collect; • how we safeguard its confidentiality and security; • when it may be shared with others; and • how you can limit our sharing of this information. Reporting to Credit Reporting Agencies We may from time to time review your credit, employment and income records. We may report the status and payment history of your Account to credit reporting agencies and other creditors. We normally report to credit reporting agencies each month, If you believe that information we reported is inaccurate or incomplete, please write us at Discover, PO Box 15316, Wilmington, DE 19850.5316. Please include your name, address, home phone number and Account number. Our Communications with You You agree that our personnel may listen to or record phone calls between you and our representatives without additional notice to you including calls we make to collect debts. We may use any medium permitted by law including mail, live.telephone calls, automated telephone equipment, prerecorded telephone calls, e-mail, text messages and calls to your cell phone (which may be at your expense) to contact you about your Account or to offer you products or services that maybe of value to you. If you prefer not to be contacted in one or more of these ways, you must either call us at 1 -800 -DISCOVER (1-800-347-2683) or write to us at Discover, PO Box 30961, Sah Lake City, UT 84130-0961. Please include your name, address and Account number, Unauthorized Use You must notify us immediately if: • your Card is lost or stolen; or • you believe someone is using your Account or a Card without your permission. Cancellation of Your Account • You may cancel your Account. You will remain responsible for any amount you owe us under this Agreement. • Any joint Accountholder may cancel a joint Account. However, -3- both of you will remain responsible for paying all amounts owed. • We may cancel, suspend or not renew your Account at any time without notice. Purchases and Cash Advances in Foreign Currencies If you make a Purchase or Cash Advance in a foreign currency, we will convert it to U.S. dollars using a rate we choose. This rate will either be a government -mandated rate, a government -published rate or the interbank exchange rate, depending on the country and currency in which the transaction is made. We use the rate in effect on the conversion date for the transaction. This rate may be different than the rate in effect on the Transaction Date for the transaction. Governing Law This Agreement is governed by applicable federal law and by Delaware law, Severability If any part of this Agreement is found to be invalid, the rest of it will still remain in effect. However, if the Class Action Waiver in the 'Arbitration of Disputes' section is invalidated in any proceeding in which you and we are involved, then the 'Arbitration of Disputes" section will be void with respect to that proceeding. Enforcing this Agreement We may delay enforcing or not enforce any of our rights under this Agreement without losing or waiving any of them. Assignment of Account We may sell, assign or transfer your Account or any portion of it without notice to you. You may not sell, assign or transfer your Account without first obtaining our prior written consent. CONTACT US Unless we tell you otherwise, you can notify us: • by phone at 1-800 DISCOVER (1-800-34T2683) or • in writing to Discover, PO Box 30943, Salt lake City, UT 84130-0943. When writing, please include your name, address, home phone number and Account number. You must contact us within 15 days after changing your e-mail address, mailing address or phone number. DEFINITIONS "Account" means your Discover card account, 'Affiliate' means our parent corporations, subsidiaries and affiliates. 'Authorized User' means any person you authorize to use your Account or a Card, whether you notify us or not. "Balance Transfer" means a balance transferred from another creditor to your Account. "Card" means any one or more Discover cards issued to you or someone else with your authorization, 'Cash Advance' means the use of your Account to: • obtain cash from participating automated teller machines, financial institutions or other locations; • purchase lottery tickets, money orders, casino chips, foreign currency or similar items. • Check' means any check we send to you to access your Account. "Pricing Schedule" means the document entitled, "Pricing Schedule; which lists the APRs that apply to your Account and other important information. "Prime Rate' means the highest rate of interest listed as the U.S. Prime rate in the Money Rates section of The Wall Street Journal on the last business day of the month. 'Purchase' means the use of your Account to purchase or lease goods or services at participating merchants. 'We," "us' and 'our" refer to Discover Bank, the issuer of your Card. "You," 'your" or "yours' refer to you and any other person(s) who are also contractually liable under this Agreement, "Transaction Date" means the date shown on your billing statement for a transaction or fee. ARBITRATION Agreement to arbitrate, If a dispute arises between you and us, either may choose to resolve the dispute by binding arbitration, as described below, instead of in court. Any claim (except for a claim challenging the validity or enforceability of this arbitration agreement, including the Class Action Waiver) may be resolved by binding arbitration if either side requests it. This includes claims and disputes relating to any other Account or agreement you have or had with us. THIS MEANS IF EITHER YOU OR WE CHOOSE ARBITRA- TION, NEITHER PARTY SHALL HAVE THE RIGHT TO LITIGATE SUCH CLAIM IN COURT OR TO HAVE A JURY TRIAL. ALSO DISCOVERY AND APPEAL RIGHTS ARE LIMITED IN ARBITRATION. CLASS ACTION WAIVER. ARBITRATION MUST BE ON AN INDIVIDUAL BASIS. THIS MEANS NEITHER YOU NOR WE MAY JOIN OR CONSOLIDATE CLAIMS IN ARBITRATION BY OR AGAINST OTHER CARDMEMBERS, OR LITIGATE IN COURT OR ARBITRATE ANY CLAIMS AS A REPRESENTATIVE OR MEMBER OF A CLASS OR IN A PRIVATE ATTORNEY GENERAL CAPACITY. Only a court, and not an arbitrator, shall determine the validity and effect of the Class Action Waiver. Even if all parties have opted to litigate a claim in court, you or we may elect arbitration with respect to any claim made by a new party or any new claims later asserted in that lawsuit. -4- Your Right to Go To Small Claims Court. We will not choose to arbitrate any claim you bring in small claims court. However, if such a claim is transferred, removed or appealed to a different court, we may then choose to arbitrate. Governing Law and Rules, This arbitration agreement is governed by the Federal Arbitration Act (FAA). Arbitration must proceed only with the American Arbitration Association (AAA) or JAMS. The rules for the arbitration will be those in this arbitration agreement and the procedures of the chosen arbitra- tion organization, but the rules in this arbitration agreement will be followed if there is disagreement ARBITRATION between the agreement and the organization's procedures. If the organization's procedures change after the claim is filed, the procedures in effect when the claim was filed will apply, For a copy of each organization's procedures, to file a claim or for other information, please contact: • AAA at 335 Madison Ave., Floor 10, New York, NY 10017-5905, www.adr.org (phone 1.80D-778-7679) or • JAMS at 620 Eighth Ave., Floor 34, New York, NY 10018, www.jamsadr,com (phone 1.800-352-5267). If both AAA and JAMS are completely unavailable, and if you and we cannot agree on a substitute, then either you or we may request that a court appoint a substitute. Fees and Costs. If you wish to begin an arbitration against us but you cannot afford to pay the organization's or arbitrator's costs, we will pay those costs if you ask us in writing. Any request like this should be sent to Discover, PO Box 30421, Salt Lake City, UT 84130-0421. If you lose the arbitration, the arbitrator will decide whether you must reimburse us for money we advanced for you for the arbitration, If you win the arbitration, we will not ask for reimbursement of money we advanced, Additionally, if you win the arbitration, the arbitrator may decide that you are entitled to be reimbursed your reasonable attorneys' fees and costs (if actually paid by you). Hearings and Decisions. Arbitration hearings will take place in the federal judicial district where you live. A single arbitrator will be appointed. The arbitrator must: • Follow all applicable substantive law, except when contradicted by the FAA; • Follow applicable statutes of limitations; • Honor valid claims of privilege; • issue a written decision including the reasons for the award, The arbitrator's decision will be final and binding except for any review allowed by the FAA. However, if more than 5100,000 was genuinely in dispute, then either you or we may choose to appeal to a new panel of three arbitrators, The appellate panel is completely free to accept or reject the entire original award or any part of it, The appeal must be filed with the arbitration organization not later than 30 days after the original award issues. The appealing party pays all appellate costs. The appellate panel may order that the loser of the appeal pay the winner's costs and attorneys' fees, Any arbitration award may be enforced (such as through a judgment) in any court with jurisdiction. Other Beneficiaries of this Provision. In addition to you and us, the rights and duties described in this arbitration agreement apply to: our Affiliates and our and their officers, directors and employees; any third party co-defendant of a claim subject to this arbitration provision; and all joint Accountholders and Authorized Users of your Account(s). -5- Survival of this Provision, This arbitration provision shall survive: • closing of your Account; • voluntary payment of your Account or any part of it; • any legal proceedings to collect money you owe; • any bankruptcy by you; and • any sale by us of your Account. You May Have the Right to Reject Arbitration. You may reject the Arbitration of Disputes section but only if we receive from you a written notice of rejection within 30 days of your receipt of the Card. You must send the notice of rejection to: Discover, PO Box 30936, Salt Lake City, UT 84130-0938. Your rejection notice must include your name, address, phone number, Account number and personal signature. No one else may sign the rejection notice for you. Your rejection notice also must not be sent with any other correspondence. However, if you previously had the chance to reject an arbitration agreement with us but did not, you may not reject it now. Rejection of arbitration will not affect your other rights or responsibilities under this Agreement or your obligation to arbitrate disputes under any other account as to which you and we have agreed to arbitrate disputes. If you once sent us a rejection notice on a different account or card, you must send us a new rejection notice or else this arbitration agreement will apply to any disputes with us relating to your other accounts or cards. Your Billing Rights: Keep This Document For Future Use This notice tells you about your rights and our responsibilities under the fair Credit Billing Act. What To Do If You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at: Discover PO Box 30421 Salt Lake City, UT 84130-0421. In your letter, give us the following information: • Account information: Your name and account number. • pollar amount: The dollar amount of the suspected error. • Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us: • Within 60 days after the error appeared on your statement. • At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong, You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. What Will Happen After We Receive Your letter When we receive your letter, we must do two things: 1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. While we investigate whether or not there has been an error: • We cannot try to collect the amount in question, or report you as delinquent on that amount. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. • While you do not have to pay the amount in question, you are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit. After we finish our investigation, one of two things will happen: • If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. • If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe. If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the rules above, you do not have to pay the first 550 of the amount you question even if your bill is correct. Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than S50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Discover PO Box 30945 Salt Lake City, UT 84130-0945 While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. DESCRIPTION OF COVERAGE SCHEDULED AIR TRAVEL Discover° Cardmembers are provided with $500,000 Scheduled Air Travel Accident Insurance against Accidental Loss of Life arising ACCIDENT INSURANCE from and occurring on a Covered Trip while you, your Spouse, Domestic Partner or eligible Dependent Children for whom a ticket was purchased with your Discover card are riding as a passenger in or entering, exiting or being struck by a Scheduled Aircraft. SECONDARY RENTAL CAR COLLISION Discover( Cardmembers can benefit from the security and safety offered through Excess Collision Damage Waiver. If you rent a COVERAGE vehicle for 31 consecutive days or less (or 45 days under certain circumstances) with your Discover card, you may be eligible for benefits under this coverage. 24/7 TRAVEL ASSISTANCE 24/7 Travel Assistance provides Cardmembers and their families a wide range of free travel assistance benefits. For more information and a description of these plans, features, benefits, definitions, exclusions, and information on how to file a claim, please go to Discover.com/mybenefits or call 1 -800 -DISCOVER (1-800-347-2683). -6 - CERTIFICATE OF SERVICE A true and correct copy of the within Plaintiff's Motion for Summary Judgment and Brief in Support has been served by U.S. Mail, Postage Pre -Paid, on following: Robert Genet 305 W. Elmwood Avenue Mechanicsburg, Pa 17055 By: day of , 2014 upon the William T. Molczan, E ire PA ID# 47437 Weltman,Weinberg & ' eis CO L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 WWR# 30120206 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, Plaintiff, vs. ROBERT GENET, Defendant. Case No.: 13-4309 CIVIL ORDER OF COURT AND NOW, to -wit, this day of , 2014, upon Plaintiff's Motion for Summary Judgment, IT IS HEREBY ORDERED, ADJUDGED AND DECREED that said Motion is GRANTED and Judgment is entered in favor of Plaintiff for $3,204.39 with interest at the rate of 6.00% per annum from the date of judgment, and costs. BY THE COURT J. WWR# 30120206 J1R PRAECIPE FOR LISTING CASE FOR ARGUMENT (Must be typewritten and submitted in triplicate) TO THE PROTHONOTARY OF CUMBERLAND COUNTY: (List the within matter for ext_ Argument Court.) CAPTION OF CASE (entire caption must be stated in full) DISCOVER BANK vs. ROBERT GENET No. 13 -4309 CIVIL Term 1. State matter to be argued (i.e., plaintiff's motion for new trial, defendant's demurrer to complaint, etc.): Plaintiffs Motion for Summary Judgment 2. Identify all counsel who will argue cases: (a) for plaintiffs: William T. Molczan, Weltman, Weinberg & Reis, Co. L.P.A. (Name and Address) 436 Seventh Avenue, Suite 1400, Pittsburgh, PA 15219 (b) for defendants: Robert Genet (Name and Address) 305 W. Elmwood Avenue, Mechanicsburg, PA 17055 3. I will notify all parties in writing within two days that this case has been listed for argument. 4. Argument Court Date: JUNE 27, 2014 Signature �11tC:Lun 1 - j\ c \C r Print your name Plaintiff Attorney for Date:a�} 7 :: Q014" INSTRUCTIONS: 1. Original and two copies of all briefs must be filed with the COURT ADMINISTRATOR (not the Prothonotary) before argument. 2. The moving party shall file and serve their brief 14 days prior to argument. 3. The responding party shall file their brief 7 days prior to argument. 4. If argument is continued new briefs must be filed with the COURT ADMINISTRATOR (not the Prothonotary) after the case is relisted. g f iSp Ck-N %1? 020. /l2.0 St WWR N� �4- Sag 9a IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CML DMSION DISCOVER BANK, Plainiig vs. ROBERT GENET, Defendant. Case No.: 13-4309 CIVIL ORDER OF COURT AND NOW, to -wit, this Z1 day of n—ka , 2014, upon Plaintiff's Motion for Summary Judgment, IT IS HEREBY ORDERED, ADJUDGED AND DECREED that said Motion is GRANTED and Judgment is entered in favor of Plaintiff for $3,204.39 with interest at the rate of 6.00% per annum from the date of judgment, and costs. BY THE COURT WWRH 30120206 c r -,.; N 7-0 ocD CJ ,rT IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff vs. ROBERT GENET Defendant. Case No.: 13-4309 CIVIL TYPE OF PLEADING PRAECIPE FOR JUDGMENT PER ORDER OF COURT FILED ON BEHALF OF: Plaintiff COUNSEL OF RECORD OF THIS PARTY: r*--> rte, if, 37 ro icy c 37 'd: William T Molczan, Esquire PA I.D.#47437 Weltman, Weinberg & Reis Co., L.P.A. 2500 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR # 30120206 $3204.39 eAit4 Illko\q6k '?__44,`3601Scri \\e5NS'i'Ck V•01).,-kie IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff vs. ROBERT GENET Defendant. Case No.: 13-4309 CIVIL PRAECIPE FOR JUDGMENT PER ORDER OF COURT TO THE PROTHONOTARY: Kindly enter Judgment against the Defendant, ROBERT GENET, in the amount of $3204.39 computed as follows: Amount Awarded: $3204.39 Interest at the interest rate of 6% From the date of judgment TOTAL: $3204.39 Attached is a copy of the Court Order in favor of Plaintiff for Judgment. WELTMAN, WEINBERG & REIS, CO., L.P.A. By: WW"'--' William T Molczan, Es r ire PA I.D.#47437 Weltman, Weinberg & Reis Co., L.P.A. 2500 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 Plaintiff's address is: c/o Weltman, Weinberg & Reis, Co., L.P.A., 2500 Koppers Building, 436 7th Avenue, Pittsburgh, PA 15219 And Defendant's address is: PO BOX 858, KINGS CANYON NTL PRK, CA 93633 VERIFICATION The undersigned does hereby verify subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities, that the parties against whom Judgment is to be entered according to the Praecipe attached are not members of the Armed Forces of the United States or any other military or non-military service covered by the Soldiers and Sailors Civil Relief Act of 1940. The undersigned further states that the information is true and correct to the best of the undersigned's knowledge and belief and upon information received from others. WELTMAN, WEINBERG & REIS CO., L.P.A. By: William T Molczan, squire PA I.D.#47437 Weltman, Weinberg & Reis Co., L.P.A. 2500 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#30120206 1 4 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER DANK, PWtdA vs. ROBERT GENET, Defendant Case No.: 11-4509 CIVIL ORDER OF COURT AND NOW, to -wit, this 7 day of /7/ war. 2014, upon Plaintiff's Motion for Summary Judgment, IT IS HEREBY ORDERED, ADJUDGED AND DECREED that said Motion is GRANTED and Judgment is entered in favor of Plaintiff for $3,20439 with interest at the rate of 6.00% per annum from the date ofjudgment, and costs. WWR# 30120206 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff vs. ROBERT GENET Defendant. Case No.: 13-4309 CIVIL NOTICE OF JUDGMENT OR ORDER TO: ( ) Plaintiff (xx) Defendants ( ) Garnishee You are hereby notified that the fQ1Jowing Order or Judgment was entered against you on a.19J(/ (xx) Assumpsit Judgment in the amount of $3204.39, plus interest at 6% per annum, plus costs. () Trespass Judgment in the amount of $ plus costs. If not satisfied within sixty (60) days, your motor vehicle operator's license and/or registration will be suspended by the Department of Transportation, Bureau of Traffic Safety, Harrisburg, PA. (xx) Entry of Judgment of (xx) Court Order ( ) Non -Pros ( ) Confession () ( ) (,) ( ) ROBERT GENET PO BOX 858 KINGS CANYON NATIONAL PRK, CA 93633 Default Verdict Arbitration Award By Consent Prothono B PROTHONOTARY (OR DEPUTY)