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Home My WebLink About05-0960 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY. PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, VS. No. oS - 9f.b C/Ui.t-r8L~ COMPLAINT IN CIVIL ACTION Plaintiff STEVEN B. HOWER Defendant FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: James C. Warmbrodt, Esquire P A J.D. #42524 WELTMAN, WEINBERG & RElS CO., L.P.A. 2718 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#04102841 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, Plaintiff vs. Civil Action No. O~ - qt,b C:,-,~l~~ STEVEN B. HOWER Defendant COMPLAINT IN CIVIL ACTION AND NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT 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 MAYBE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO EUGlBLE 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 is a corporation with offices at 3311 Mill Meadow Drive, Hilliard, OH 43026. 2. Defendant is an adult individual residing at 1266 SUMMITV1EW COURT. NEW CUMBERLAND, PA 17070. 3. Defendant applied for and received a credit card issued by Plaintiff bearing the account number 6011002658514971. 4. Defendant made use of said credit card and has currently a balance due and owing to Plaintiff, as of February 15,2005, in the amount of$3,160.69. 5. Defendant is in default of the terms ofthe cardholder Agreement having not made monthly payments to Plaintiff thereby rendering the entire balance immediately due and payable. 6. Plaintiff avers that the Agreement between the parties provides that Defendant will pay Plaintiffs attorneys' fees. 7. Plaintiff avers that such attorneys' fees will amount to $500.00. 8. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and/or refused to pay the principal balance, finance charges or any part thereof to Plaintiff. WHEREFORE, Plaintiff demands Judgment in its favor and against Defendant, STEVEN B. HOWER individually, in the amount of $3,160.69 with interest at the legal interest rate of 6% per annum from date of judgment plus attorneys' fees of$SOO.OO, and costs. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED SHALL BE USED FOR THAT PURPOSE. WELTMAN, WEINBERG & REIS, CO., L.P.A. James . armbrodt, Esquire . 42524 AN, WEINBERG & REIS CO., L.P.A. oppers Building venth Avenue urgh, PA 15219 ) 434-7955 WR#:04102841 ;.. '!',. "_.::;.,'",:1 , " , , .. j , .. ..~,?:~~~:t~~~~~e~i~! . ; - " ....-.,.,.j ':-:}";;~:I' - "./;: ':~: :~,.L..~.,iJ:':' : . ":'.~,.;' ;.;-"~ ~::~~ :,'E~~....:~~.::;l ,'''''--''' .'_.. ~:.:.~_...........'.. '. -~""'-p .'. DlsceVERO CLASSIC j J IMPORTANT INFORMATION ABOUT YOUR ACCOUNT CARDMEMBER AGREEMENT The terms and conditions of your Account including how we calculate finance charges. our fee'S and an Arbitration of Disputes section. You have the rip"t to reject the arbitration prr:>vision with respect to your new Account within 30 da~ after receiving your Card. as explained in the "Acceptance of - AgreemMt" section. .... . . . . . . . . . . . . . . . . . ., SEE PAGES 7 . 14 PRIVACY POUCY A summary of the personal information.we collect. when it may be shared with others, and how we safeguard the confidentiality !Inc! security of information. YDU may limit our snaring of such informauon with Dthen... ...... SEE PAGES 14 - 17 BIWNG RIGHTS Important information about your rights and our responsibilities under th~ FBir credit Billing Act . . . . . ............................ . SEEPAGES 17- a CASH BACK BONUS' TERMS AND CONDmONS The terms an? conditions of th~ C!s.hback Bonus"' award program. including a description of how your award is calculated and how to r~d~em it. , . . . . . . . , . ..... ..... ... .., . . .......... SEE PAGES 19 - 27 DESCRIPTION OF COVERAGE Th~ terms and conditions of the Scheduled Air TrBvel Ac.adem Insurance that is provided at no charg! to Y,ou when you use your Card to purthase ~irline tlck,ts .. ...... .... . ......... . SEE PAGES 21 .24 C 2DD3 Discover &nk.. Member FDIC 304001.0403n14 EXHIBIT >,., ".,.._>,>~>>__,-.,>>;_>w>-.,., '>~~~"~~'-'"-~'-------"*;>~~~'~~7~~fl~ti!~; ._.-~.....' ~.' . ".. -'.J . -'. .:j~~.:;.~~:; , , , '.' .;. .;.,...~...~~~~""...,-u._...;.....,.~ ........_,.....,..: ". .~.,,.....,,.., ....;:..- - .'.: },~ ..":,- ...:\..... .~..p:.;::.:.:. .:\~. '" .. , u .,' indirectly; 3) infections o1.any (ind'reg'~;'~Jesi'M!hb_~contr9cted, except bacterial :infec'"Jons -that- are. dkectty..tal.,lsed 'by..botuli~ ptomaine poisoning OJ an..ac:c;jdental.cut.or .'(iou~d in,dependent and in the absence pf any und~rJyin9sick.ness.. dis.ease;.:tH c.on;itio.r\ induding but no;t'limitect,o diZlQet:fi;.4) committing Ot attemPting to'cbmm~ i fe!?"f;,?1 Yi~rBticfgf~r. d~~lar~d'or undec:Jared; or (6) travel or;fh9~ql!':"Qt.l?Ij,.a.,ny ~ehh:Je ysed for aerial navi9~tiol'\. as a pilot. oper~tor 'otq.~W m~l'flber,. . : -~ ..."'l'. ~ .:.....'ii~.\:.;.;1'"ot,.;fJ.~~f,::. ~',i_iJ.1J.;..;f'-~ UMITAnONS: Be.fll:f[tl .~II.,~n.ly):~~ ':p~ya~~"';':knifer pne"_~f:d: member ~ccou~~ th_1! ~re?~..f~~9.~;~~'1C!e2Ythl~b.:t-h~: ~Q~tpo." Carrier.Fare 1ic~etl wert.fF.~!$iit.9~d;~~'..~~1'.~FH~~:' ~~.;-.; Benefits are' not payible.l6r-ibu~'iyE~~:0J~~1ci~jn~a\YhjJe on ill trip for which the ticbU.wef-e-'purch-asecfwith idre'quent flyer voucher. .. ~. ... '. . ...,~ : . -.'. . -:-:. '. Complete prOVISions pertaining to this plan of insurance afe contained il'\ Potity #9029072 mued by National Union Fire Insurance Company of Pittsbufgh. PA with officeJ in New Yor~. NY. The premium for this insurance is paid by Discover Financiill Services.. Inc... out of inc.ome derived trom its credit citrd operations.. Please read this Description of Covera91!. Keep it in.a safe place with your other insurance dD:cu~.entI:. lhis D.~~5!.ip~jpn....~f Coverage (Form. Number S30365000 .15' nct:.J COT"ltnct-Of Insurance bUt Is simply'an Infotmativ; sUtem.ent'to eacli:e~.gible Individual p1 the p'rincipal prov"fsions.'clftJi'e iiuurance"wnile in efft~ . .. ... -.... i f I , If is (cofliet fxins: betwe-en is statement in this Description of Ctw~rage and any provisions in the Policy, the Policy will govern. Claims administere-d by; A&H Oaims Department. P.O. Box 15701. Wilmington. DE 19950-5701.19001 551-0B2A. .;,. :~ '" ::,.,~:,: >-',;\. \.,;:,t.. :' .; ~~-;"'::-,' . ,~. ~ ",.. _:.;U ,.,-,'".,.......... ...t':;.:,"-",: ,j ~ -. . .'. _: .. ".-:. ..... ....,-'t,,; " .1,..1... .;:;~;~~'~ !~;~~~:?~" '..:;, :; '. : .. ~.:: :..~~~'. "- " .......,... ,,' - 2-4- ---:,..- -"'--"-'---. _._-----+~.,;:.,,~.... A;.~~~:'~~:~~.;.:::::.. : ..- ~,'~.~""'..;;~-(.." ~.- : . ..., '. .' . ..1::..:,... . CARDMEMBER AGREEMENT f'inn read this; Agreement carefully before' L!5ing your Di$Cove~ Card Ac.tount. It contains the terms and conditions Df YDur Account SC>rM of which may n.v~ chal'lged from earlier materials provide;d to you. In the ~ent of illny differences. this ~gremlent shall control. We respect your privacy. Set the Privacy Section on p.~e 10 and oUr Priwey ~ficy for ai:Soltional information. !hI! Arbitration of Disputes Section on page 12 includes a waiver' 01 I ".umber crl rights:. induding the right to a jury triaL CAADMEM8ER AGREEMENT A9r~,ment Terms ...........................'...... 2 Acceptanu of Agreement..... ......... ......".:. '" 2 Use.of Your Account .'.... ...... ... ................... 2 Authorized Usell...... ........ ..... .,........... ... 3 Unauthorized Use...... ............ .... ..... ....... ) Creert Limit-AVilflable Credit.......... ............. ... 3 ?romiseto P;ry.. ........ ... ....,... .........,...... 4 Monthit Bi1ling Stltement... '" ....... ............... 4 Montt-.ly Payment Options.. ....'.. ... ...,............ 4 Minimum Mtmthly !layment.... ...................... 5 Cf!dit Balances.. . . . . . . . . . . . . . . . . . . . . . . . . , . . . . . . . . . ., S Balance TrartSfen: . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . . .. 5 Finance O1,rgel:.............. .......... ... ......... 5 Periodic Finance Olarg~s....... ...... ................ 6 DefalJlt Rate Plan. . . . . . . . . . . . . . , .. . . . . . . . . . . . . . . . . . . . S usn AdVlnce Tnmaction Fee Fin"!"Ice Charge.' .., . . . . . . .. a blanc! Transfer Transaction Fee Financ.e Chargel . . . . . . . ,. 9 Minimum Financ! Charg! . . . . .. " . , . . . . . . . . . . . . . . . . . .. 9 Returne-d CheckJ:"..,... ..... ,...... ............ ... 9 P.etumed Disc.over Card Check F~ ...... .. . . . . , . .. .. ... 9 StopPilym~nt Fee:............. ,...... .,............, 9 ut!~e .., .......... ................,.........,... 9 Pey'by-Pho!'le Fee.................... .,.......... " 10 R6earch Fer., '" :....,..... ..........,........ ,... 10 Overfimit Fe.! . ,..................... .... ..... ...., 10 Ot!fault.ACc.eleratjon-Co"~ctjon Com.... ......... ,.... 10 Cancellation. . . . . . . , . . . . . . . . . . . . . . . . . . . . . . . . . , . , .. 10 I>rivacy ...........,.....,......................... 10 E\~nrc:mic Communirations ............ .... ,........ ..11 Credit Authorizations............................... l' Change of Terms...........,...,..".............. " . O\ange of Address..........,.......... ~........ 12 ASsignment of Account...... ........,.......,...,.. 12 Arbitration of DisplJtes. ................ ......,.,. '.. 12 Cqmplial'l't with Interett Rate Limit~ioru . . . . . . . . . . . . . . . 13 G~verning Law ..,....,.. ............,.............13 -)- 11 j'" . .....~}..17'.-,..... '. .. .... ~ .., . . . ~."...,. -:- -.... . . . ...-........,.....~....,-;~~_..r.,~...~i~~~~...;-N'-"t~...;;,:7.~J,~:;;;~.>~,:~;..~'::h...~r.....;-.,'1'.I:\'\~...-"';"".,,~.~,~ ..~''''' .... .,..." ."..,,, -.';'.' _" .........,. ,. ." '. -.,: '~..;...'>.r:':"" ~ . ': +;.-..... . .r' :-J-.."...... ..........."~..".,.;__"'-...~.:+~~~--'='"._,,,..V" '"'-, -. "..~. ..,. ..:~..;..-._.__._...,..... AGREEMENT TERMS. The word "Account. rnul'\s your Discover Card Account. The word "Card" means anyone or mor~ Discover Cards _issued to you Of someone e~ with your aLlthori. ntion. iN: words .you", "your", or "yours" refer to, in addition to you, th~ Cardmember, any other person or persons who ar~ also contractually liable under this Agreement. The words "we", "us" and "our" refer to DiscC)ver Ban!:., the issuer 01 your Discover Card. The words" Authorized User" mean any person whom you authorize to use your Ac.count or a card, wnetller you notify us or not The words "Pricing Schedule" mean the document accompanying your Card and Iistin'P the Finance Charge rates that i!pply tc)' your Atcount. The PriCing Schedule is pi!lrt of this A9reement. . . ACCEPTANCE: OF AGREEME.Nl. The Us'1! of your Account or a Card by you or an Authorized User, or YOLlr failLNe to cancel your I Account within 30 dayS, after receiving a Card, mean.s you lIccept this: Agreement including th!. Arbitration of Dispvtes provision on pagt' 12. Your may, however, reject th~ Arbitration of Disputes section by providing us a notice of rejection within 30 da)'S after reteiving a Card, at the following address: Dis,cover Card, P.O. Box 30938, Satt L.aKe Crty, UT 84130--0938. If you were I prev;ous,ly sub~ect to arbitration with respect to allY Atc.ount I this right tp reject arbitration will not apply to you in the event that the Actount has been reopened or replacement Cards are . sent to YOlJ. Your rejection netice must include yDur name. : address, telephone number, Account number and signature and; must not be sent with In)' other correspondence. Calling us to I indicate that you re~ct the Arbitration of Disputes section or sending a rejection notice in a manner or format that does not comply with all applinble requirements is insufficient notice. In . orde! to process )'our notice, we require t~at the no~ice. be : provIded by you directly and not through a third party. ReJectIon: of arbitration will not affect your other rights or res.pons.ibiHtits : under this Agreement or your obligation to arbitrate cis'putes' : under any other account Ij to which you and we have agreed to ! arbitrate disput!S. tf you dD not ~end i rejettion noticf. you will I be obligat~d by the Arbitration of Disputes s,ec:tion with respect to this and any prior account you have had with U1, even if you have- previousfy sent a rejection notice with respect to that prior account. USE OF YOUR ACCOUNT. '(our ACCCcunt may ~ used tor. " Purchares . to purchase Of lease goods or services from participating merchants by pres.enting your Card or Ac(ount number. . Cash Advances. to E;lbtain ~sh advances from participating automated teller machir.ei, financial institLttions or other locations, or by means of checks which we may furnish to you, aU in accordance with such additional terms and conditions as may be imposed from t1me to time. " Balance Tranrfers - to transfer balances from other creditors or to make other trans.actions by muons ot balance transfer coupons or check.s, in accordance with such additional terms and conditions as we may Qtfer from time to time. In addition, your AccDunt may be us,ed to guarantee reservations at participating ertilblis'hments. You will be liable for -,- "l..) .,.~#-'." .....~..~~... ...'.,... , .;.~~-,- guaranteed reservations that are not canc~led prior to tn!! time specified by the ~S""..ablis'hment. . Your ACCDunt may be u~ed' for penonal, family, household and charitable purposes. Your Account may not be used to obtain loans to purchase, carry Of trade in seclJrities, or to pax any amount you ow~ under this Agreement ("'Prohibited Transactions"). Prior to its use, 'tach Card must be signed by the peNon to whom it is issued. We are not res'ponsible for the refusal of anyone to accept or honor a Card or to accept checks" that we nave prt>vided' you. You must retum any Catd or unused checks to us upon request. It a merenant fails to provide your p:urch2se to yt>ur satisfaction and, at your request, we issue it credit to your Account, you will be deemed to hav~ issigned to us, your claim against the merchant andlor any third party for the credited amount. Upon our request, you agree to. provide us with written evidence of such assignment. Your rights and res,poASibilities under the fair Credit Billing Act des9'ibed in the billing rights summary on pages 17-'B and on the back of your monthly billing statement apply only to credit card transactions. This special rule Tor credit card transactions do-es l'Iot apply to purchas'es made with I billance transfer check or cash advance. Therefore. jf you have I problem with the quaii"!>' of goods' or services that you purchased with a belam.e transfer check. cash advance check or the proceeds of I Ci!ls,h advilnce, you do not have the right to withhold payment of the amount due. . AUTHORIZED USERS. If you want to cancel the authority of a cur~ent A.utho~~ed User to us,e your ACCount or a Card. you must r.otiiy \n 1M writing or by telepnone and destIo)' any Card in that pers.on's poss,ess,;on. None of your righu under thl5 Agreement {other than to pay amounts _ owedl may be el::'ercised by any person not /I pany to this Agreement acting pursuant to a power of attorney, without our separate written agreement {which we are not obligat~d to givd. UNAUTHORIZf~ US~. If i Card is lost or S1:olen, or if you thin~ thilt s,omeone IS uSing your Account or a Card without your perm1ssi~n, notify us, immediately. You can notify us by telephoning '.BOD-DrSCOVER (1-800.347.2683), or by writing DISCOVER CARD, PO StlX 1515&, WnlT!ingtr;m, DE 19886-1002, You agree to assist us in determining the. filets relllting to any theft or possible unauthoriz-ed use of your Account or a Card and to comply with s'uch procrdures IS, we may require in connection with our investigation. If our records indicate that you have enrolled in an automatic billing arraneement such liS a monthly gym meombersnip, we will ilttempt to provide your new Account number, to that merchant. However, if YOLl no longer wi5h to continue the automatic billing arrangement, you must contact the merchant .directly. CREDrr UMIT.AVAILABLE CREDIT, We will advise you of your Atcount credit limit. We may impose a lower limit that will apply to cas.h advances, referr~d to as th!! cash advance credit limit. You agree not to allow your unpaid balar.ce, including Finance OIarges and fees, to exceed your Account credit limrt. If you elrued your Account credit limit, we may reqLJest immediate -3- ~ '., :: ,..-,,,;,,...;-t,.,, ~ . - ., ... .' . '..;"" .;~... -,,,.._,-,"~,,,,,,,,,,,,,,,,,'''''.-J:...a.c_,,-~ ~..,,,:.,...>'.'_'''''.'-'u ~_" . . . .'-_'-..c'~, .'-. .....".... __.';"..'_ _..;, . ,- ~.~ .. ,"~-' '. .,.:"..,~":' -....-- payment of the amount by whkh you uceed )lO\.lT Account credit limit W! may increaS! or cleere a>! your Account credit limit or your cash advance credit limit without notice, The credit available for your us-e mit)', from time to time, be less than your Account credit limit. For purposes at determining your ivailillble credit. we reserve the right to postpone for up to 15 business days redudng your unpaid balances by the amount of any payment that we r!t.~i..,!.. Your i\liilable tredit will not be Increased by the ~mount of any credit billa net.. PROMISE TO PAY. You _gfU te pa)' us in U.S. Dollars for all pLJrcha>es, cash advances and balance transfe'rs ,ir.duding applicable Finance Olarges and other charges or fees, incurted by you or anyone you authorize or permit to use your Account or a Card, even if you do net notify us that others are using your AccolJnt or a Card. We will conven: purchases -and cash advances made in a foreign currency to U.S. Dollars at a rate elCirtlng on th~ dat!! of conversion. It yClu pay us in other than u.s. Dollars, we may refuse tQ lIct.ept the payment or marge your ACCDunt our cost to ,onvert your payml!nt to U.s.. Dotlan. All checks rnurt be drawn on fu.nds on deposit in the U.S. You may not use if cash . adVa1'1t! ched, balance transfer check or coupon, or any other I promotio-nal c"~1:. drawn t>n any Discover Bank. credit card 1 accOllnt to mate payments: on your Account. 1 If yOllr AcC"o-unt is a joint Account. each of 'j0'0J a9rees to be liable i individually and jplntly for the entire amOLJnt owed on 'fOur I Account. We CilIn accept late payments or partial payments or checks and mor.ey Drde~ marked" payment in tull'" or with any other restrictive endorsement without losing !ny oi our ri9hu under this Agreement. , MONTHLY SILUNG STATEMENT. Unless we waive our right to do ! SO, we will send you a billing statement aner each monthl~ billing perioo ir. which you have a debit or creon balance of , S 1.00 or more. The billing ttatement will ~how ~II purchases, r cash advances, balance transfer~ Finance (hinges and other l' charges or tees and all payments or other credits posted to your Account during the bilhng period. It will show your New Balance, Minimum Payment Due and Pi3ymt.-nt Due Oate. MONTHLY PAYMENT OPTIONS,. 'You may at any lime pay the entire New Balance shown on, your billirtg rtatement.- but e!tn month you must pay al leas! the Minimum Payment DUe. All paymentS must be made in accordance with the terms. including the payment cutoff time, stated on your monthly billing stat~ ment, and we will credit your Account in accordance with thO}! terms. In adortion, we reserve the rigl'1t 10 change- those terms without prior notice. We will apply payments and credits to the New Balat\ce: shown on your current billing statement in order of the Annual Percentage Rate applicable to the balance of nth transilction category (as referenced in the Periodic Financ! Charges Section), trom lowest to highest be9inning with the balance subject to the lowe:n Annual P&.ttem.age ~ate. We then apply payments and credits to aT!Y new transacti\:'Tls using the same method, However, we have the right to apply payments and credits 'to balances with higher Annual Percentage Rates prior to balances with Iow~r Annual Percentage Rate$. such as -.- when there are two initial special rat!S applicable to your Act.t>unt and the !l;Iw!r Annual Percentage Rat~ will expire before the higher Annual PerctTitige Rate. MlNlMUM MONTHLY PAYMENl. The Minimum Payment Pue uch month will be the sum ot any imount past due and thE!' minimum monthly payment. The minimum monthly payment e-ach month wlll be the gre,ler of S10.00 or 1150th of the New Bala-oct., rounded to 'the ntX't higher whole dollar amount. If any ANNUAL PERCENTAGE RATE .pplic.bl. to )'Our Account is greater than 22.99%, your minimum mcmthty payment will be the greater of S 10 or 1/45th 01 the New Balance, rounded to the next highe:r whole dollar amount Regardless of the Annual Percentag~ Rates 01\ YOlJf Account, if the New aalance .IS less than $10.90, the minimum monthlr payment will ~ the ~mt>unt of the New Balance. payingth! MInimum Payment Due may b! insu!fic~ery1 tD bring your Account balance below your Account credrt Jlmrt and. consequently, may not D'void the Imposttion of the Ov.erJimit Fee described in the Overlimit Fee Se.d:ion. We may frClm tIme to time allow you to not mate a minimum monthly payment. and will notify you .when this option is available. If you take advantage oi this offer and do not ml!lK.e a minimum monthly payment,. finance i:harges and any applkabtt f~ wili ilcC"rue on your Account in aCi:ordance with this Agreement, and you must pay the Minimum Payment Due for the following bHling periods. CREOfT ~LANCES. We will r!:fund any crE!'dit balance within seven bUSiness days from receipt o~ your written request. If you do not reqvest a refund, we will automatically refund credit balance1 grellter than $1:00 which remain in your Account after two billing ptriads. BA~NCE "mANSFERS. We may periodically otter you the oppor. tUMlty to transfer balances from ether t7editon or to make other trinsactions to your Account by means of bili-nce transfer tO~pons ,or checks. Each offer wM contain an initial special rate, wt'lIcn WIll be the Annual Percentage Rate that will apply to transferred balances for the time ?triDd specified in the otter. subject to the Detaul1 Rate PI,!In Sectlon, and may (oronin ~ hlanc! Transfer Transaction Fee Finance Charge tor each ~alaT\C.t uansfe-r made during the term of the offer, as disclosed 10 the offer and as set forth in the Pricing Schedule, it applicable. After the expiration of this time: period, the Annual Pertenti!lge Rate that applies for purchases wj/J apply to transierred balances. Salane!! tTansf~n: subject to th~ initial special rate ar~ referred to as special rate balance transfers; balance transfers for which the initial spedal rate has e):.pired art rettfre-d to as purchase rate balance tran.den:. Each offer will contain an t.x?iratitin da1e. Ii you attempt to transfer balances by means of a check after the er.piration date:. we will treat the transaction as a cash advance. We will oot make balance transfers :atte:mpted by means of a: coupon after the expiration date. FINANCE CHARGES. You can avoid payment of Periodit Finance Char~e~ on new purchases ~ you 'pay the Nt.w Balance shoW!'l on the bIlling st"t~ment on whtth the purcha.se firrt appean by the Payment Due Date, and tht. Payments and Credits on that .natement equal or exceed your Previous Balance. We call this - ,- " . '.;:.';;".~-:,,; 11 .~ the "grace period.. You do no1 have is grace period on balance transfers or cash advanr.es. Periodic final'\Ce Charges are imposed on new balance transterl and cash advances beginning with !hI! date the transaction occurs. PERIODIC FINANCE CHARGES. Periodic Finance Charges aT! imposed on all mnsacl:ions until the date of repayment. Repayment means payment oi your. entire New hlance. However. if you pay the New Balance shown on the tUTTent billing statement by the Payment Due Date, and the Pilyments Ind Credits shDwn on thIS statement equal or exceed the Pre....ious Balance. we witt not impose Periodic Finance Charges on new purchases, that is, purchases fIrst i8pptanng on the current statement. Otherwise. you will recerve a billing statement the nen month that includes Periodic Financ! Charges iMpo~d until tn~ oat! oi repayment w~ comput~ Periodic Finance Charges !Deh day for purchases, cash advances, and balaoc.e transfers (which we. refer to as transaction categories) by. using the following equation: Average l?a;!y Balance x number of days in the billing period x The Oaily Periodk Rate and c-orresponding Annual Percentage Daily PenDdl< Rite. .lfou may refer to the finance charge Rate that apply to each transactlc>n cate~ory is either a fix,d rate summary on the: front of your billio9 naternent for these: or a variable rate as set forth in your Pndng Schedule. The Daily amolJnts.) Tnen we add all the Periodic Flnanc.! Char9~ ier ~a:th ~ ?eriodic Rate islf.365th of the corresponding Annual Pe.rc.entage transaction category to get the total Periodic Finance Charges: Rilte. Tnt vCtriable Annual Percentage Rate. for /J transaction for your Account. The Average Daily Balance is shown as zer~ if ; category is dettfrnined by adding a specified number of no Periodic Finance Chargt:s apply tc the batonce in a transaction r percentage points to the Prime Rate. This is shown on the Pritin,Sl category. ) Schedule as "Prime oj- (percentage points).. for .purposes of thts We use the two-cycle average daily batamt (iTldl.ldin~ new A9ae~e':tt, the P~i~ R,te IS the highest rate of interest listed transactions) method of calculating the balance vpon which we as the prime rate If'I t.ne money riltes section of The ytil/ 5tre~t impose Periodic Financ! Charges:. This r:neans ;f you did 7'101 pay Journal on ~e la,S! bUSIness day of the month. The Pnme Rate IS tne New Balance shown O!'l the billing statement you receiv.ed rnere1y, pnclng ~ndex and does not represent the lowtrt or ~est during the previous billing period by the Payment Due Date. we ~teren fat! available to ill borrower at. ar:y banI:: at any gIven will impose Periodic Finance Charges on new purchases that first. time. Your A,nnual Percent;!g! Rat~ WIll lncrea~e or decre~se oppeared on that billing statement, as well as new purchases wh~n ~he Pnme Ra~e changes. Thrs .c~ange 'ifIll be tffett!ve that first. appear on tM ,unen1 billing statement, unless we : beg.lnnlng on the fll.n day of the bIlling pe~'od that begIns already imposed Periodic Finance Charges o.n the purchases on I dunng tM s~rne month as the change In the Pnme Rate. your previous billing statement. We c.ompvte the average daily' (2) Annual p.ercentage Rate for ?urchases balance 1"or each transaction category by adding up all the daity . balancM in a billing period Tor il transaction category and "!'Ie may have offe~ed you an mtroductory rate on purcnil.ses. Th! dividing the total by the number of days in the billitJg cycle. We Introductory rate IS t~e Ann~al Perc~ntilg.e Rate that WIll. apply compute the daily balance for each transaction categery on each to purchases for the time pe~lOd.sper:med '~th~ offer, SlJ~Jec:t-to day by first adding the iollowing to the previous day's daily the. Default Rate Plan SectIon. After t.):pwiltlon ~f thrs tIme balance: transactions made that OCt)'. fees: charged that day and pe~lod, ~e ~nual Percenti!lge Rate.tor purchases WIll apply. TM Peripdic Finance Chilrges accrued on the previous day's daily ?aily PenodlC Rate5 and. corresppndm~ Ann~al Percentllge Rates balance: and by then subtracting any credits and payments that In eff~ct on th.e .date thiS A9re~ment IS turOlSned to you are 5et i.rt .applied against the balance 01 the cransactipn category on forth In the Pncmg Schedule. that day. In c.alculating the CCtily balance tor the previous billing (3) Annual Percentage Rate for Cash Advantes period, we cpnsider the .previous day's daily balame- to have ... been zero 0.1'1 the first day of tne bjlfjng period. Tht Dady Peno.dlc ROlte and corresponding Annual Percentage . _ Rate in effect on the date of this Agreement is furnished to you Speml rat! balance transferJ and Balance. Transfer Trans.actlOTl are set forth in the Pricing xhedule Fee Finance Charges are included in the daily balance of the . balaT\Ct trans~er tralnsaction category. BaJance cransfen that (4) Annual Perc!ntage Rate for Balance Transfers were subject to an initial s.pecial rate 'that has bee~ terminated The ~ajly Periodic. Rate aM torr~pondjng Annual Percentage. due to a Iilte payment or because yo~ . olltrtand\~9 Atrouz:t Rate 1M effect for special rate balance transfers will be set forth ba.'ance exceede~ your. A.c~oun1 c~edrt limit are ~I$o IOcluded Ln in the oHer from us under which you make the balance tranrler. tlm ciltegory untIl the initIal speCial rate othetINlse would have /JJ. indic.i5"it'd in the Balance Transfers 5ectipn abo\'!, purchase -6- ..... ,.-.-..... expired. In calcutating the dail)' balance of the balance transfer transaction category on the first da~ of the billing period, we subtract the unpaid balanc.e pf those Balance Transfer 1ransaction Fee Anance Charges and balance transfers that j)ec.ome purc.hase fate balance transfers on that day and we add. that unpaid balance -to the balance of the purchase transaction cate90ry. All fees charged to your Account are added to the purcnase transaction category with the exception of Ca5n Advance Transaction Fee Rnance Charges ...mich ar! added to the cash advance transaction cate.9ory and Balance Transfer Transaction Fee Finance Charges which are added to tht balCtnce transier transaction category. Ii a transaction is posted to'your Account after the dose of the billin9 peried in which it occurs, we will treat the trans.actlon as haVIng occurred en 1he first day of the billing period in which it i5 pprted to your Accpunt. (11 Rat. Plan, -7- '.' 'r' . "'~...-.' - .,...... . ~'.. . -"., ...t'..,.,,,,'.,._~...'. .' ? . . "".; _,~_.""'~r"-,~_""",;-,"'r~"~;.:i!!.;._"""~~~,,,I:.'.': ;..:.~...:.r_._~:.;.~ ..'.: ",...... _""'~""" :'_~"_~'_'M" '... ,....;." "'u~ -.-.' ._,..-.... ..; ..~, rate balam.e transferi will bt s\Jbj~tt tp the Paily Periodk Rate 3" of the amount of each new t.ilsh advance:. There i5 !I and cClrresponding Annual Percentage Rate thot apply to minimum Cash Advance Tnruaction Fee FINANCE CHARGE oi purchases and the Default Rate Plan Section. 55.DO and no maximum Cash Advance Trilnsaction Fee FIN.6.NCE The Daily Periodic Rate and corresponding Annual Percentage CHARGE..: The imposition of Cash Advance Transaction fee f!.at~ in ~ffect tm the date thG Agreement)5 furnished to you are Finance' Charges may result in an Annual Percenti!lg!! ~te tor set forth in the. Pricing Schoedl.llt!:; cash advances that is hi9her than th~ nominal Annua.l DEfAULT RATE PLAN. We will r~it!:w your Account on the last Percentage Rate. All forms of cash adva!",ces, inch.lding the use of day of each billing period to determine the Annual Percentap! Discover Card checks. regardless of the purpose for vo.+Jkh used Rates that will apply to your Actount. In reviewing your Account. are subject to Cash Advance transaction F~ Finante Oiargts. T~ we will look at the current billing period as well as the previous obtain the total Finance Charge on cash advances ior tach eleven billing period~. A.ny il)creas.~d rate de5cribed below will billing period, wt!: add any Cash Advance Tramaction Fee Final"lce apply beginning with the first day of the: billing period in which Chl:r9~s f~ t~ billing period charged under this S~ct~on to any we review your Account Penodlc Finance Charges cakulatetl under the PeriodiC Finance . Ch.arges Sectie>n for the cash edvance trllniaction catego,ry. If we did not receivt a required payment by the Payment Due D~te t1urin51 the billing period in wl'uch we review your Acco.unt, BALANCf TRANSFER TRANSACTION FEE FINANCE CHAJl;GU. If then any Initia.l 5:?ecial rate on blllance transfers .tnd any the balaoce trtnsfer offer you receive contains: i hla.nce intre>ductory or promotional rate on purc:hi!.~ 1.h,t c:unently Transier iransllction Fee finance Charge. we will charge you a applies to your Account, and any such rate that we have. Balance Transfer Trans.actlon Fee Finance o,arge for the amount p.re'liously offered to you. wjIJ terminate and 'the standard. of each balance transfer made under tha.t offer. If there is it Annual Percentage Rate for p.uftha!tt"S will apply ~o your balance . B~lanc!' Transfer Ttsns~ction Fee Finance <=,harge in conjut\ctio.n of balance transfers and purcha$!s as weU on anr Introductory or. WIth the otier you re[e'IVed when yClu applIed tor an Ac.count, It promotional rate on purchases and any initia spedal rate on will be in the amount !tt't: forth in the Pricing Schedul!. The balance transft:n that w! have previously offered to you, In i impositje>n of BaJance Transfer Trans.actkm Fee Flna.nc! Charges additie>n, H th~ standard Annual Percentage Rate fe>r purchases: may ~esu!t in an Annual Petc!ntage Rate for balance traMt!:'n is: less than 19.99% and during the immediately preceding' that 15 t-ugher than the nominal Annual Percentag! Rate. To !leven billing periods we did not receive a reCluired payment by, obtain the: total Finance Charge on balance transfers for filch the Payment Due Dite. then. the Standard ANNUAL. billing peri~d. we add any Balan't Tra.nsfer iransaction Fee PERCE.NTAGE RATE ~or purcharn will be increased to 19.99% {a Fin~ncr Charges calculate-d under the Periodic Finance Charges Daily Periodic Rate of .0S477%1. 5ectlon for the balance transfer transaction category, If your outstanding ~i1lance exceeds your Actoul\t 'trerlit lilTli~ as MINIMUM FiNANCE CHARGE:. We will charge you a minimum of the day we revIew your Account and your outstanding FINANCE CHARGE of S.SO ior any billing period in which som! balance ex,eeded your Account credit limit as of the last day of! FINANCE CHARGE of less than ~,SO would otherwise be imposed. any billing period in the. imme:dia\e/y preceding eleven billing. .. periods. then any initial $pedal rilt! on balanc! transfers and anyl RETURNED CHEC~ FEE. We WIll thar9! you a Returne~ Check Fee Introductory or promotional rate on purchases that currently' of 52.9.00 ~acn tl'T'e you pay !:,S with. a check t.hat IS returne.d applits to your Account, and any such raU that we haY! unpaid. ThIS fee wll! also apply if a debIt transactlon!O a d~?,OS\t previously offered to you will termina\e- and the standard ~ccount. from whIch you ~a~e authorized us JO Writing, Annual Percentage Rate for purchases will apply to the balance electrOnically or orally to. pen,?dlcally dedu,! all t:>r a part of ~n of your balance transfers and purchases as well as any aml;)u~~ you owe us un~er thl$ Agreemel'l~ 1$ returned unpal~, il"'.trOductory or promotional rate on purchases and any initial We WIll c.har~e ye>u ~h~ .fee :the first time ~n.y payment IS special rate on balaT\C! transfers that we have previously offered returned unpaid, even It It IS paId upon res:ubmlsslon. to you. If the standard Annual Purchase Rate for purchases is less RETURNED DISCOVER CARD CHECK FEE. We will charg! you a than 19.99%. then the standard ANNUAL PERCENTAGE RATE for Returned Check Fe! of $29.00 each time we dedine to honor a purchases will be increased to 19.99~ (. Daily Periodic Rate of Discover Card ca.5.h advance chea balance transfer check: Dr .05477%). t:>ther promotional check. ' If your standa.rd ANN~AL PERCENTAGE ~TE for purchases is ~ess STOP PAYMENT fEE. We: may chargt I Step Payment fee of t"an 24.~9.% ~nd ~ufJn9 the .current .and lmmed~atel)l pretedmg $15.00 each time we stop payment at your request. 01\ i c&sh elev~n billing pt!:'nods you either filfed three tImE'S to make.' advance check. balance transfer check. or other promotional requited payment when eve or exceeded your ACCDunt credit check.. limn three times as of the: last day of a billmg perio.d. then the standard ANNUAL PERCENTAGE RATE for pun:nas.es and for tilsh lATE;FEE. Wt will charge you i1late F~e. if you have tailed. as of advances will be increased to 24.99% (.if. Dai~ Periodic Rate of the P~)'m~nt Due Date. to rflilKe: the MlTllmUm Payment Due that .06847%). ~as reqUIred to be paid by that date. The amount of the La'le CASH A.DVA.NCE TRANSACTION FEE RNANCE CHARGES W w.U ee IS based on the sum of all outstanding purchases., tash en .' e I adval'\Ces., balance tranners, other charges other tees and arge you i Cash Advam:e TransactIon Fee finance Charge of Finane! Charges at the tOO oi the billing period, It the sum is less -.- .,- _.-,..~--._~ . .;.-"-,, .....,' ~. ..0:;.' .,..... . ':,:,...' .' . '...~ ; . '.. ....~.""..::..~.".,.. ~ . ..-. ...-_:~ .... .,....r.~.~'"'..-'". .."......"-"'.:...:~.--'"~.~ ;:;,,",..,,,. .', ....--'-. .. ...~. ,,'--..' .., .-".- .~.... ......., "~. . .... '..,. ...'..'<.'.."..,....-...'- ., othe:rs, how we safegt.lard the confidentiality and ,security of than S100, the Late Fet'! is $15. If the rum is equal to or greate information and tM :oteps you may take to limit our sharing of than $100 and less than $1,000, the Late Fee is $25. If the sum i such information with others. Please eu.d it u.r~fvlly lIS it is pan ~MuaJ to or greater than Sl,OOO, the Late fee is $35. ' , d' "I O'f your Cardmember Agreement As IndICate In our Privacy PAY.SY.PHONE FEE. We may from time to time allow you ",:P P"obcy, we may report to credit reporong agencies and other make payments by authorizing us over the telephone to tranner creditori the status and payment hirtory pf your A(count. or pay funds from a deposit aCcount to your Account We will inclLlding' ne-gative credit information. We normally report to charge, Pay.by-Phoo! F!e: of S \0 for eath such transfer or such cr!cHt reporting ilgencies each month. If you befiev! that payment. . our report of your Account rtatus is inaccurate I)! incomplete, RESEARCH FEE. We may charge you il. Research he Ol $5,00 for please write us it the following address: DiscDver Card, PO Sox each topy of a billing statement or sales slip that you request. 15316, Wilmingtcm DE 19850..5316. Please indutle your name, However. we will not charge a fee if YOLl request copies in address, home telephone number and Account number. connection with a. billing error. We may from time to time review YC1ur credit, employment and OVERu"rr =E. W '11 h r... r it F ch. income records. Our personnel may listen to or record telephoM. IV' 01; e WI c arge. ~ou an ",;,~er 1m ee ea time tails between YOI) and pur representatives in order to evaluate that. as of th.e dose of i bIlling peno~1 yo~r o~anding the quality of our ~rvite to our Cardmembers without notice to Account balance ~eeds your A~count .credit limIt. ThiS fee may you. We mey LIse any medium. induding bu1. not limited to mii~ be charged even ~ th.e -;ta.nsactlon .whlch causes ~ou to exceed live telephone calls, automated telephone equipment. your ArcDunt cre~it ~rn:lft IS authOrIZed ~y us o~ if you exceed. prerecorded 'elephone 'calls, and e-mail to Contllct you about your Account credit ltmit due 'to the ponlng of Frnan7e.Charg~s your Account or offer you PTDducts or services that may be of or fees to your Account. The a",,:ou~t of the: Overtlmlt Fee III vi!llue to you. If you prefer not to be c.onucte.d in one or mort' oi bClSed on the sum of all outStandIng purchases. .cash advances" tnese ways call us a1 1.800-225.5202 Of write to us at Discover bala.m.e tnnsfen. ~er charges, other fee~ and Finance Chargesi Card, P.O. Box 30961. Sat! take City, 1.J7 841,0-0961. We provide atme end of the b.llll.ng pen~.lfthe sum 1S equ~l to or less thanl various methods by which you tan obtain information about S1,OOO. the Ove~II~l1t fe~ IS $15. If the sum IS-. greatee !him! your Account We will only reJease such information to you, iny S 1,000. 'the Overllmrt Fee IS S3S. 1 Authorized User tha1 our records indkate is an authorb:ed buyer DEFAULT-ACCELfRATION..(OLlECTtON COSTS. You are;n default on your Account. and any other person with your prior if you betome insolvent; if you file a bankruptcy petition or have permission, in addition to as j)ft>vided in our P.rivacy Policy or as one filed againn you; If we h~\le a rea;l.onable beliei that you are required by law. Our .security measures cannot im.urt against unable or unwilling to repay your obligations to us; if you are unauthorized inquiries. You agree that we will not be declared incompetent by ! court or if a court appoints a responsjble fDr the release of information to anyone who, even 9:lJerdian for you or II conservator for your asseu; if you die; or if without your authoriation or permission, hilS gained If y,ou fail 'to comply with the terms of this Agreement. including, possession of a CBrt! or has: learned other identifying falling to make a required payment whtm due, t1.teeding youd characterinics i!Ibol1t you such as your personal identification Account credit limit, or using your Card or Account for i I number, Attount number or social security number. PrD~ibited Tran$3ction.lf you are..;n defaylt, we may declare the El.ECTRONtC COMMUNICATIONS, We may offer you the ,.....", ef!tire ba\a~ce of your Account Imm~dlately due and payable opportunity to receive certain notices from us electronically .... ,withou.t notICe. If we refer the collection of your ~ccount to an rather than through the mail, induding monthly billing ! anomey or employ an anorney to represent us WIth regard to statements 'and change Df terms notices. The term~ i!lnd re-c~ry of money that you owe us, we may ~harge yo conditions tor receiving these electronic communications will be reaso!,able attoTn..eys' fees and tO~ or other collectIon costs !I described in 'tt'Ie offer permitted by law and as actually Incu(red by us. We may delay . ; enforcing or not enforce any of our rights under this Agreemen CREotT AUTHORlZATIOttS. Certain transactions wi/! require our \ withOU't lOSing or waiving any of them. authorization prior to comple1ion o-f the tran$CIction.. Jn .some - b .. . cases, you may be as~ed to provide identffication. If pur tA,~C'flLAT'ON. You may cancel YOlfr ACCDunt Y !'lot/tying us m authorization system is not working, we may not be able to writIng or by telephone and returnl!"Q or destroymg every Ca~d authorin il transaction. We will not be liable to you if any of a~d unused ch~c:k. that we have prOVIded you. Of COLlrse. y~u WIll these events happen stIli b! responsIble to pay any amount YOll owe us according to ' the terms: of this Agreement If your Account is a joint Account. CHANGE Of TERMS. We may change any term or part of this nch of you may ance-l your Account We may cancel or suspend Agreement induding any finance d1ii1fge rat!, fee or method of your Account iSt any timt without notice: We- may choose not to computing any balance L1pon whjch the financ! chaf9~ rate is renew your Account (beyond the expir--ation date snown on th' assessed, or add any new term or part to this Agreement by face of .il Card) without netite.. sending you it written or ell!"ctrp:nically d~livered notice at Just . .. 15 days before the chang! is \0, ~orne effective. We may apply PRIVACY. We respe:t1 ~e pnvacy of. informatIon about you and any sLlch chang! to the outstanding balance of your ArtDunt Dn YOUT Accl?unt. O~r Pnvacy Pohey Indu~es a' summary of t.he th! effective date of the chang and to n w charges mad after pel10nal Infprmatlon "we- collect, when It may bf shared with II!! eo e ..1.0- .11- .:.,....~,. .. .. " ._....;.~~M':~;_~~~,____.." .,,~,~; ~".~. .. ."'J~""'-'-~~~~.'.~~_~7.~:~:~t:~~~{~i,~~~;~W~i~.~~~i&~~~~~~~*t;~~:!~:~~~2~~?:'~;~~;~~:~/:_~ r--:- .. r .' ,'.c,'-'~-i .~~;;..::.~.; <'; -:::~:'-)'::~/':~~::;':':::..:~ij:';:'~:' . . .....,';7. ~:. .'" ~. . ....... -" , ~.. .' -. -.;:." . . . .~:.~~~ ", >t-::t:!/?{~:~~J~\. .....,... .. . "~~.:.::'" .. iil ~~~~.~i'l! .<;;:<;:~!;:!:f,.~;i~~~@ , ::~J~;!:~t~~;~<:'?:.S:;~1~f:t}.*'li ..._.,~'_ ._.:->-w..._J..~...,."p_~~!::j.,""', ~+~.~~:.;..~:~~t~:~~,.$;~~' .~.~ "5:",: ;..~_':~~t;:-;.',':.~'1;'.~.:0t:';':':':f:~ I .._,...~..:.r;, ,._'.'='....':c..i......,;-:".,~~l .': ~.~ ~.' that date. If you do-n~t agree :to th~ th, a,. /lQe..;.-y, 'I ~u '".mu.~, n~.tify~t:ls in writing Of e(&trOt1ICaUy wlthil'\'-1S .di!:Ys, jaft~: ~e:m.a..ltiT'9:of the"notlce of change- atthe.'add~ss;p'rovlded 'In ,~e:'nouce,:of thang!, in which Case your;Accountwdl be dbS"~dand Yl?u'~us1 pay us the balance that,yoLI DWe:us'under;the existing. ter~ of the unchanged Agreement.'~er:w-ise...:you..will-"have':a9reed.to t the changes in the:- notice~:.tJse:~ot .YoUr?, Account-afte.' the effertive date of the'chan9~:.~iII~e'.d,'!'!!'rn ed.:~cce.,.Pta.nc,e ?f.th, a. new terms a5 of such. effective-.,t1a-te"..even '.If, you prevIously notified us. that yay,did'not ~gree to"tt1ithang~. "'_~~1"~.-_',;: ' CH~GE O~ .AbD~,~,~S.",!f.Iy:q(J.'~fhlrW\~X~ut:~'!Pt~~W.~:'~~~ :I notify us of.your new ,addi"e~ ~~J.~ ;15~.~a~:..,,::,.,'f... : ,>oOj~;, ,~, ASS1Gr.iMENfo~, ACc:OUNT.:weJO"i; ~'fi1;'~~ign~6f;;r~~s1enppr Acroul1t or" any portior: t/;l.e!~,~{~~!~~~t;'rl~f~l!,tp"Y~~:;Y2Y..n:a~ not'se!l, ~i~n;cif ~~~e(~~y~~p.~P~~~~o~F=.fir~ ~~~!P!pg our p~!O~ ~en,:C?~5:n~~;~, .': 'r.ty,,:~. ;~..-:"~..,,'< .;,}R.,!,'j\? .:;;.1 AABm.A1l0N Of D1SPtrr'E!a.ln the event of any past, present'or future claim or dispute (whether based upon cont:~ct. tort, statute, common law or equity) between you and us ulslng fr~m or relatit19 to your Account any prior account you have had with us, yo.ur application, the relationships which resl;llt fro.m y~ur Account or the enfort.!!bility or ~copt. of thIS !rbltriltlGn provision, of the Agreement or of any prior lIgreement, you or we mer elect to resolve the claim or dispu1e by binding .rbitratIOTl. IF EITHER YOU OR WE ELECT MBITRATION.NEITHER YOU NDR WE SHAll HAVE THE RIGHT TO.lITIGAR Trr,or CLAIMJN 'COUR> OR TO HAVE A JURY TRIAL' ON THAT CLAIM.nE'HEARING DISCOVERY RIGHTS AND POST-HEARING APPEAL RIGHTS WIll BE LIMITED. NEITHER YOU NOR WE SHAll BE ENTITLED TO JOIN OR CONSOUDATE ClAIMS IN ARBITRATION BY OR AGAINST OTHER CARD MEMBERS WITH RESPECT TO OTHER ACCOUNTS. OR ARBITRATE ANY ClAIMS AS A REPRESENTATIVE CR MEMBER OF A CLASS OR IN A PRIVATE ATTORNEY GENERAL CAPAOTY. Eve-n if all parties have opted to litigate a claim in COiJrt. YOiJ or we milY elect arbitriltion with respect to. any claim made by a new party or any new claim5 l~er asserted in that lawsuit, and, nothing undt.rtakel"l therein shalr constitute- a waiver 'Oi..iIOY rights under this arbitration provision. : 'i': ',. ;.., .' ,'-',r, .',.; . . " . ',,' .,-r~. ....~_... We will not invoke our fight to arbl:trate an ':ltMd:'ivldual Claim you; bring in small claims court o'your rtate"s ;q\!lNa.1eht'cou"h;'if~ny, so long as the dai~. it:pending o_~..i~\:~at" :sOlJ~ and.~oe~.'~ot . fli:ceed ~S;OOO.OO. . ,'.;,.:. ."~,i-':;-' _'~ . c": . . : -' . Your Account involves inte~t"e:'co~m~~~t.~'n'd..this 'pj.~~~ib;~ shall be governed by the 'Fei:leral':Arbitra.ti!?ri~.P-ct,~F.AA). The arbitriltion shall be conducted, at the option of wnoever files th~ arbitration c:Jalm, 'by_ eitheF.eJAM51fndjsput,!:'~(~AM5r:or' the National .Arb\1ration' Fori.m:f, (ftAF}:!ir.F~i1rtoh:laoc!. witrr-:their pro~eclures in effect when th~ daim;;is filedl For iJ; tDRy,i:d:their procedures. .to file"a.:daimor:for.:'othe( 'jnfotrnation.h::ontact JAMS at U2D Mam5treet'Suite'30a:'lrvinej (A'S2S14.(pbone'" S00-352.52671or NAF.at P.O;.Box s.o.l9'~ Minneapolis: MN 55405. (phone 1.80~74.237,1), '-A.t;Orout-writte"n.;;fe.quest,.. we, will advance any arbitration Wing,' administrative .tnd hearing fees. - 12- which you woLil9 be: r~.q1Jke~ to, pay to pl,Jx:stJ~~. dainr.Q~'dij;ptfte JS a result of Clur eleCting to arbitrate tbaf"rall'1l-'Or.dispute, -Send requests to P.O.. Box :151.92" Wilmington, DE , 9885-- \020. The arbitrator. will. decide ~no_. wit! ultimately b~ .resp'~r.sible ior paying those feeS:- In no' event will you be required to reimburse LIS fi;tr;any.arbitratiof\ filing, admininrative, or hearing fees in an ~mOui'rt. greater than what your and CUT tombined court costs woiuld "ave.be~n if the claim had been resolved in a,state court with jurisdiction. In. no event will you be required to pay any 1ees OT ~osu incurred by us in conneCtion with an arbitration prp. ~eedi!",g where .such a requirement is prohibited ~ Jaw. Any arbitration hearin.,g wil! .take place in the federal judicial distr\ct wh.~~. You reside_ The;arbitrator shail lollO'^! app/icatile sub-' ~.:anti\le .I!l'~ tl? ;th;~;p:~ent Fltf'!sistel'1t ,)"lith th~FAA a.~d app/j. ~bhntatute.s.'of hmititi.onsand s'ha.llhtlnor dairm of privilege fe'cpg~i%e:d 'af la.w. -"If requested by. any party, the arbftiato;- shan Write an opff1ioh"contalmng the' reasON for tfle"iward:.'The ifbltr:atPr's dec~lorr.will' be fmal and binding !!xcept tor any appeal rights under the FAA and except that if the amount in CDntroversy exceeds $ 1 00,000,00, any, party may appeal the award within 3D days to a three-ilrbitrator panel which shall review the award de nDVO, The corts of such an appeal shall be borne by the appealing party regardless of outcome_ Judgment upon any award by the arbitrator may be enforced in any court having jurisdiction. Our rights and obligations under this arbitration provision shall inure to the bene:fit of lIod be binding upon our parent corpp. ratiON, subsiQiaries., affiliates (including, without limitation, Discover Financial Service.5, lne). predeces~ors,.. succes~prs ass-igns., as well as the officers, directors and employees of each 0; these entities, and will also inure to the benefit of lIny third party named as a co-defendant with us Dr with any of .the: foregoing in I claim which is subject to thit Brbitrc.tion pro...\~ion, Your rights and obligations under this arbitr~tion provision shall inure to the benefit of and be binding upon aU persons tontrilttui!lJ~ li~ble .under this Agreement and all Authorized Users of the Al:~oun't' This ilrbitration provision shil:Il"~urvive terminatIon of your' Accr>urlt af well as voluntary pa)lment in- full by you, 'shy ,legal pr-oCe~ding5 by US t.o;i~lIeJ;1 a debt ,~wt'd by you, any ,bankruptcy by you and aliy-'.~arFliylis of-'yoJr-ACc"tjUnr:, COMP\JANCe w!rH J.N'tER-EsTilAii' iJMiTATlo'Nl,~w. \nfehd that. thr.5~Agree'ment 'wil(comply.vz,rt;;.:appljcabie';:'lnfertsFi~te limitatiON. You- will not Qe required to P"Y Finance ChargeS-lor ~ther' chargeJ 'al 'a rate. fhat'.~lS :greater"tria.f'i ihe '1'tl~xim~ amount permitted by law. rl it is .ever finally determined' tli~l but fOT 'this Section, the Finan'ce Charg~s or other. charges' under this Agreement would exceed the maximum JaW"ful amount the Finance' Charges and pther ct\a.rgt.s' will be .reduced .to-:1i:le maximum ;lawful amount Any excess ampuo.t that, you' have already paId will be used to reduce, the, oLltS'tanding balance of )'01.lr Aa:ount.or will be :rerunded to,you.bi means'pf a check, in.." ourdiscTEtion.... . . . ~... :'" .. .; '~.J~ GOVERWING lAW. This'Agreement will be. 9over.r"~d by the .Iaws of the State of Delaware ind applic,1ble federallaws.,lf i!lny part ~13- ''':'',.,~......,..~.' ,:,,;.,: ,~:~r;~:; ;~~~,;~~~ ':~.' '.". d.' '., ..~. . . .' ~~"~:".:;-:!".~""';-;~~".:-:-.:-r:'l: ,.~ ".~~....,,...,,.:.,.-;--,,,.........~~,...;.,:!'.....,;-.I:!- '- ! "_.,=~~-r~";_~..~r>,~.~~:'r-:-~,~ :~~~'~-~~~:~;:~~~~~~i~l~~;~~4i~~~!~l~.{f~1:~::~~~~~~~~~';;7:~:~~?~~~ .....-.. . . ., - .'- '/"'--':~" .-..;;~.:.;..~,-f--:-~-r~~::'1 .... .,':''''':.'- ! -...~, , . .. ", e.'."'_e~.."}X;~~~~;r~:~~1 Ii . '.i..'} ,:.. n', ,,': . ~ I;; l,!j ,~',~.',~'~:~~;~~~~:::~l~~! 11 ""-",".-..-;;,;;;"""",,~!i1lII, ~~~~:;r~~~~~~~~~~~ !~ . .... .,. i, I I r ! I- "~~.",.~'-"'._....---.-;....:..,..--,.,..> ! ;, of this Agreement becomes unenforc;u.qle;-itwiJ/'nClt r.oa:ke.any. o'the'r part unenfo~a~_I.~. :i' - ~~~o~ei:'B.ri~.-,. ::'.;'- ~~~; - '_: ;.'~. _./' . .. .~15CDVili CAito: - ice. 'Coo 'u '.i~;f~[~ C",\. 0 /1~ Vice, President- I~ )'.'. .; ..PRiilAdp&'Ut~~:;:'; ~:':';.';.-'ll .' . XvfJf~s.P:~~':~9~t ~~tv.~(g;:.~~1i~.'~:">~r. Our mimof\, is' ~o prOV1d~ yo~. ':N.i;tlt.s\lP~nl:!t ..P~~~u~:~!,Q.~ _'. services. arong with, ~e .:peaCe ,of mll1d ..Knowlryg .t!:i~t :y~ur pri\1acy is secure. We understand your concerns about guarding ~ informltion about you and yoLJr Account. We want to assure you that we have taken st~Ps. and will continue to take steps, 10 nfeguard that' information. This Prjyaey Policy describes our efforts to meet these objec:ti\1~, It includes A summary of the following important iniormatlon: . A listing of the personal information we coiled . The circumstances in which 'We may share information with other\. , . The ways WI! safeguard the confidentiality and security of I . ~~r~~~~nyOu may "take: to', i;~~'_~.'6~;:.-:b~~i~'g' '~f;'~~Ch 1. information with others. See Section 4 for complete detaIls, Please fead our Pri,,~t)' Policy tarefully. It will help you under- nand how we collect and share information. 1. What Personal Information Do We. Colle:ct? To serve you better and manage our business, it is important that we collect and maintain accur!te pers!Jnal information about you. We obtain this information from application~ and, ot~er forms you submit to us., from your dealings witJ:I us and others. fr~m ~onsum~r !.eporti':lg agenr;ies....an.djr9:~..,ot~~~.s~r~~,~.su:b as.l?ur Web slt~.. f!?r:~rnple;, , ;:;. . ".'>::': ;;,,:,_![;,,-: .;"'~ '':: . ~~:We .may. obtai~. i[1l~r~~til?n. sud\:.a$.:yC?~r :~~~'~~,9~r:6s;,:!-n~' , ~C!te\9f';.b!~ j~~,? ,~ppl!.~~!i~~.,a,n.~~~V1ir ,fP,~~ ~:,~w.l~~m~}~ .~"'!"'~ h;")" ;~~f.'~ l-:;~<t";"'A' o:G;~...~' '4 ~'_4it~wttti~';';~~;'J ..We'may obtain:.-infClr,mation.;;:tlch..:'j1s. At;cpu!'Jt paJar)ce:s; payment his!:ory"yo.ur, use.,of-your Atcl;l!-!rrUmd the type~ of .se.rvkes rou preter. fr~~, ~~u.~ ~a,~.a..cu..o:~~ ,a~d pth~ dealings :WI~".US and others_~ ....,.' , " . :,.,. . .,.,,-~_...,..' _ " . We.may obtain inforrt)a.tior'! such.u.t.fl.~ ba-la':.ces of'.your./oans. " with other,lence'rr.and,-your payirtent first.ot;' with others-f7:orrr consumer reporting age'tidei:t,.:.,;_:;::; "~~;'i:'.,j ~ . :,. ';"",'.;-".;:. ....,~:,__ .'Vi;'~: ,rMY 'obtaU-;':1nfb!m~~i_6ri,\ii~:-as7ioGr:' lmr.~~t".'~~~~~~ . provtder, your domain. na",!e." your,.. .;omputer s' .op,etl;ltmg.i . . system and Web broW$ec.-' your Web s:ite'..use and .Y'ou.r:prbduct and service preferences'trom your-v~its to our Web.sites.. -1.11- il! 2.-ls Pe.~orial'.I"fo[rnation Sn.ar~d With Othw;,.~, t-';'i'~f:i1E.~"i~ we'ryi~if'th~ ~f;iring of 'inf~r'!!at;o.h-'~~1i o~.h~ri.j;;1~.~~:.6~'if;~ O~ts'YeY'r~c:e;\1e for.prod~~.!n,d ;~er:yl~~~r,~ .~~~\(IG~Q .~ir~j to you ITom us. For example, a'retaJiertn.t"accr.puthe Dlstov~~ Card may come to us with a spe;cia! offer for Ca~dmemt;>ers, 'SuCH as:., di~tOurtt rertifkatt-~l,bf;:prodtJct LJpgraoe.'i A.t:rer ..~ar~f1l1 considention oi the nature;' Of, the' offer and,t"e coryiP,~n.y;!we will creilte II lin of c.ardm~mbers ,l,tfho. may qe inte:rerted in tM offer based pn certain .ch'ar~cterjstjci: We will send.the":Dffer pjrectly -to th~e caufi1)~mb~rft;)n.,bebaif otth~'~~ta.ile~.~y,~t~~ eumJ>l~,_'inchfdlng af{:ihserf11i' fneir' fnorithly'.l:inlin9"sfai~meM or mailing .th~ 6ffer'otir;eMf;We_'I(Qntroi th!! ihtQrmation_,us~d to mak~ t~e~b,ffe'r;:W~~6~fi~t..$~if.e'-~e",i~}~:anYJ~1.~r:m,~~io~ i:!bo~w::"C.~r~i;i!l~~~--~J?I~~~~~:' re~~!.~er... !H'o~e\1~r, :pl;e-ase undernafld~J1a~~.YRlJ, 90}i!ce.!~~ t.h~ type ,~f oft~r ,fro_Tn;. us ',n~ choOse to .talce oMntage oi Jt;. the reta,fer may then -learn information about you because only Card members with certain characteristics received the offer, There are, however, circumstances in which we: may share the information we collect about you, a$ described in Section 1, with other cDrnpaniesin order to pro\1ide you with access tc products and service'S and to service your Account effectively, as getailed below. We require these compan[~ to adhere to our". priv~cy standardJ and to use this information only for the"'nmited purpose for which it Wi!S shared.. We 00 _n,ot allow,.!hem to disdo~e it to others withoUt,ql.!.~.~r;~r.,~p'pr~a_~.,.. ".; ~',:;~. -:"~ a. Sharing Persona" Inforrtiition' Wiffp Ou;. torpo~ate: ~f.am~ly We are' part of the Morgan Stahley f~mily cf c.orripanfes.,.Our corporate family cffers ill wide varietY of products and services that can help you manage your flnance~. In order 't~ pftwide: you with ilIcceu to these produro and service~, we may share the . information we collect about you, i!.l described in Section 1, with athe.r memben of 0\.11" torporate bmily. Jhese ~ompanie.S in~tude financial serVice p;o.viders.thatptf~r.niortgage lending s!!;Yic~s, . securities and "550ft'. mana'gement' 'ferv[ce&;":'irwestmertt opportunities and muti.rahfunds;'-'i1nd may:..rrldude"r:lori-nnandal serv;c!' prov.jiferf~n~f:j!;MuTe7is:"OLir. cotpbrat"e:1amHy c,ohtinues t-p 9row::.\:'.}~ 7.~!-;~: t';, :'r'.:~~~".-;.' .r;;~:;j-_.;~:; .!'. ,~~ ;J."'~ 'f"! ~:::~ B~'Sharing'~:pTn;D7ia'ti;';laiii1~ttc/rfWitiT~No}j'.Affllj~~rf paitTe'si"ior ~ ~M~~~#~'{p~rp?~~.: l~::~,':~. ,.~:,: _~,1,-;~ ~,:""., ..:..;\,~~;'\::;'=' .; '!, "'::~ We. 'may sha're' ~he"jnf(i)rmatio~.-we 'col!ect "l"b'OLit ;ou:;~ as d!!scribed in, .section. t w[t~, non.affiliate.d third pan_ies, including those. that .accept the Disc",:\1er Card.,.iri.,"Ord~r, ~~ prov!de you ~ith access to produi:ts ar:'d se~j~es offer~'p Q'lr~ctl}' by these tompanies that may be of value, to -you';:ijThe~~ companies i!1d.u~e tinaJlcial s;rv!ce providers., such as i~i.Jranc~ cotT1pa"r:'!es,...a.tld.non.~ti.~anci.~! ,c~mp.anj.es, s~0 at retfr.len.:~. ".~'- '. c. Sharing ~erional JrifofrTIatio'l.with Othef1 " .~:' '. We may .$hare -tbe informatitln' W~ {ollut ilbout ypu, ..as described in Section 1, with companies that perform support or marketing services on our behalf, such as mailing. market _ 1S- ,:::;';:';:~~~f;qli~~~~r~~~::". .":' '. .~ ~.-~~_'T"~~"..~--,~r." ......,~~JV.~~~~~-'="-"'!~7~~~:.,-.:.'\~i~ii~4i;i~~~ :..::~-:r r";F'~~~~~;tt~~~~l:~~~~~:'~;'~~~~,;;;;,7;~~~:~"-;:~'.~~~~~~~.~;~.:~~. ,~--,. . .:, ", :- .' .' '.~: . :;"-r':.~ ;.,-.;::"~~";;~"',,.::,..,, ". .... ~ ". .""".: ..... ..:;~.:;~~:~-.~~ ~~r~<1j >.\:,;.'~.:.._:" . ,. ;I!' "'. .,:" :""5~'::':"'~"/!~~f.:l[~ ";';..",.,,,...~~...:6. "''=i3i''''.J:?i!":~':!l~ji 'f;~~:~~~~~~:;~~l.... tM_1 ,:[ . -. ~ ~ also. pen:Of6-,~~to ~~rIHnformati~'.abovt:O'IJf:-~perieh(eS ~~d transacti~ris:.. ~it~. you! such.. as 'your. Acc.ount ~ balance" and paymen~-hirtory; with other. members of our corpor;ite famiry. If yo~ are- e"Z:ll~~.Cardmember. we will not share any.infor.matron ab~ut you, except .as p~rmitted by law, for- thirty 'days 'CIfter we pro~ide this Pcil~c:y: tp;-.~~ in on;ier, t~ give you i!l!"l. 9pportuni1y to mform. us about your' prefe~e~(es~ If you are an existing Cardrnember. please .understand that you may conti nUl!- to roe!:e;ve marketing qffen .directly from othel companies that wer~" ~lre"!dY,_il] pr.o.dl,lStiol! prior 10 the processing of your r.~~~~.~;;,::.~ ~-;'~.~~;;;:1+.t;:~.~~~.;~~;.~ _' .: ,.,'~~., ~;, :'! ~.~.:;; . ThIs Privacy. ~.oIiCY..is:;Pjp:~id.ed;to;the .pri~')t,"Ca~dme.t.rlber' listed ol).~he !-~COWl'q-lo.W~re.~~..a.ny jpjf1~,~r~~I\l?e~ h~~ ~e r~p' 10 flgt~rJ!5 apPr~ ,pr~1F!~~,~s.;:~f1~ w~.;:V1~f Jre,at }I:l~!. r~q~e~l_as app!ylng to tne _.en'tir.e Account.. We _co nof share. mforinatlon about former'cUrt~'tn~ri,.e.Xc~pt'as per~hted by law. ' . This Privacy Policy is provided to you by Dis~over Bank and its subsidi~ri6. which t~nentlyinduoe GTe Insuranc:e Agency, lne. It a~plle~ to the DIScover Platinum, Discover Gold, Discover dame. DIscover Private Issue-SOl, Discover ittal'\iuttl Cards, an-d the product5 and services offered in connection with those cards includi.og The. R~girte'" card registration serv.ic~ (with th~ e'XCe'.ptlon ~f an~ mformiltiol"l r~gistereli in connection with tht: serviCe', whIch wlf! not be ~hared), It is part of your Carcmt:mbe:r Agre-ement and proviQ_es,..iJ fyrthe.r_expla,na,tiQ..n.~ofJl~ .we collect and shart:. tnfar;matr?~.:yol,l jDay..ryaye, qme(righ4,l;Ipder st~te laws th~t apply to .thls.I.l:1form.atioo,..Pleas~, tlote,that'you wrll also rece'lve privacy notices for Mher credit card accounts you ~av! with us, as well as other-financial produCts an~ services prOVided to you by us and our affiliates. You will need to i~ditote: your pre~erences for each of these separately as dIsclosed 1M the notlC!!, . . Vermo.nt ~r'l'd. No~h DaKota .Resioe-rrU - YOur State laws requirt ~nanclal. InstltuttOns .10 ~btail=l your ,consent .prior to sharing mforf!'lBtJon about, you wrt~ othen, ~l':t.ept oS ~rmitted by law, we ~11I not .share mf.o:UT'\atloO\we ,(:olle:c.habout--fOU. with non. affl"at~d third parties..-'or..if}o.u ar:e .a~Verh:lont resident. with compa~ies ,in' ~~r .t,~tpei~fe ~,'tri!ry:."~~res~ -y'_~.iJ'~'Il.\IS at ,.:'800:- O_IS~OVER and alJtnonze:uito'ch:i so:- ~.:__-?'-:":t ,.>':~,...:... ... .. " '.-" ,..~ ,'."';,.:' ::.~. :':~~~~'-~ -; ;~;~;,>;~~ j;~"~,' "~'~'::"i ~-;. ;:',~.::I.,'.:'/~ii; ,. .,',' :~., '-' .~', .;....., .. . .i research and dau 'proc!nin~;';othe~'.fin~r.ll:ial:inrtItJJti6nt.wltR which we. have joiot m.ark.eting- agreemenu: or comp-aoie~,th.!!It are our partnel1 for cpbra"~_l,~redit card 'Pr'ogra~-Dr:fe:Wa'~ program1, We may _Iso' shirt.,suCh' iPfo.r.matiQn:ai. permitted by law. ,', :.,_:',i': ~~~{;.,;~'::~~,.~::/'.;:,._; j,_~ '.~., ., 3. How- Do' We P~tecr:rhe Confidentiality, Se.~\J~ity And jntegrity Of Information AbolJt You?,: , We. maintain physicaC electri;)ni~ and.~I~Qc~'urclsateg'ua;'d~.to protect the .iriformatiQn. w~ '~.~lIet1:abput"-.yout.A;.ce~:.to..s~_~h in.fClrmatIDn. i$. _re~!q,e~.J.o: .ir,df~!~~~ls~ti~: geep,jt~' '9jdef., to ~erVit~., Y?\.It ~~~o4i:'ot *~ -'P,T.C\'!.~~ .pr~~.u:ru:, a,A?! ~eiv,u:es :.ref 'Y.01J. and wI1!ra~e trainedir.ithe.Pcoper handh'19 .of_~uc~ !~for.rn~~io~ E1;Op~oyees Viho . vi~,J.~te,)ne~~_~ ~ql);fldeMi.a ~ty, . req~~~:m~n~t ~~r~ suo)er;t ~o OlJf dl>Cjphmu'Y prpoc~s,..Wh~te.thlr,!:1 part!e~'.p.r.~YI~e support. servic~l, we require-"tnem 'to" conform to our privacy standards.. . - . It is Important that the information we maintain abollt you is accurate: and c.ortlple:te:. If you set information in your monthly billing statemenU or elsewhere which suggests that our information is incomplete or ir,accurate., please write to us at OiKover C..rd, P'.O. Box 30943. Silt lake Oty, lJT 84 1 30..0943 so . that we can' update: this information. t, How (an You L.imit Shilrin; Of Irrionnation Ahout Yo.u7 We res:pect your privacy and offeryou.tt)oices as to wh~ther. we may share: informatio'l'\ a'boUt ybu:wiUf6lhe~{fyo-S-pr!:f~i:tha~ we: not share the information we..toJlect.aboLrt1'ou; 'as described in Section 1, with non-affiliated third parties or if you prefer that we not share that information with companies in our corporate family, you may opt oLJt,. that is. you may direct us not to share- that information, H you indicate a preference: that we do not share that information. pleue understand that you will not rece.'\'! ,offers for._products and ,s~~i~es,p'rovide~...:by..p.t.her tompanltS that tDufd help you.lo~e~ ro.ur:.c:.gs_ti~.p:I~x!mr,?e..your fin~.~cia.l.r.esourceJ ind rna.~.a9~ r..,~i.itJiri~:ti_~~.. .. ':'. ".".: .';. ." To .Indkat! your pre'fl!rel"ltM",taltuS;,lrt'''i-...BDt).1lS-,52D2 .otw~,te to us at Discover Card; P~O. ~ox 3096J',_5alt ~,.l::e .Cftyi'.U~ ~ 130t 0961. If YOLl. have previously notmed L1$. about, your "privacy preferences. it is not.ne-c!!SsarY.1o do:,sci.again- unless yo.u:deCide to change yo~r~jj.efereif'e~ YoLitw:r!rt~'ri',~~.Cll.i~~'~~IQJI}~9de your name, addren..tl!lephoM number aM,-Attoun1 nuinoer(s) and should riofbe ~'ent with.an)toiliei.~orr~pondeh~e:Jriprdei to prOCess your request. we reqL.liFl~ that the recf\;Jert'be provided by you direqJy'and not,throug".a"tfiirCf-partY; '(o.u will -need to provide U5 wi'\tl. y6iJ(. preferences .f~r'~e!,~h- Cfeqifuro. ai~oQii1 ~:~~.h~;; '.t~~~.~~~ ..;.~b~~, y'o.y;,'ir~~~:;~'~~;)f'~:r~: ~i.~:~~~o'C~' request wilt remain jif'effed'until'you h01ifY:us'QtMfWi~t: We will honor yout reQuest anq ,io:t'Sl'la{e:the-irifofmatiOh we:~ollect about you. except-as permined byJaw;' For exa'mp!e;-;feder""llaw permits us to lhare informatiof') about you: worth; c:oDsumet reporting agencies. service: providers and matk:e:tin9 'partnt!n, It ':"6- YourSillrrigRignt's, . KEEP THIS NOTICE FO.R FtJTl:IREUSE'; This notice- contains imp6rtanf. infbr~atioM' abOut.'Y'~:U~~'ri9~hts a!".ttouf responsibilities under the- Fair Cre-di1 Bi/flng Act:.; ,-'.;,' .,.. f. NctifyUS in C8s~ ~f Eirorior Queitions AboCit'y(jiJ~ P-i1F ""c. ., . , . .~~. ,i you think you~ bill is ~ro.ng: ~r if you ne:ed';;"ore'inf6~~a~~n about a transaction on yo~r bill, write us on a separate s.heet of -17 _ , ; 'I'. /: ,., .J.,.-,' 1 '--..,.- ~.....,.".-(.,.. . .. .;~,V;~~~~~~~~~~t~:."':" .,.....,...'" '~ ,-~~', .-'- .~.: .,...~_.-..............~~.~ '..:i...;..'~::~-~ '. . ,'.' ~., '. . ,~ .... --' ._ ,~~~:':>'i.:4.~:;;:~i~~~~;r~j~J~~~:;; ::::/ti."'~_~";" ;' - ..... ',' . '. ;-~"~ :,~~ .:~~.::i}::~.~~ ........'..' .:,~ . ~..' 1 .,<15::::':' . 'I. II" ~\II , . ... ~~.' ;,;- -~;";';"':"--.;":"-'--o.~'7--'~'! . . . '="""';~.~~~-~'~-~~~-~:;~~;:~:~f~~:~;:~~::':~,:~'~~~~' r;,- I .' '-~~ . paper at:-the~:address,:,listed'..on"'rouf.; ~iU..tor' Notice ;o~ :.Bimr9 Error~.Write. to U1:as sooo:-as possible, We: 'murt hear-from you no later'thlln. 60 .days ~fter we"seJ")t-youthe,fjm pill'o[l which the errDr'or problem appl!!ared. YO!:l'.can te!ep~ofle 'us, bvt doing 50 will I'\Ot p-rtseNe 'fOUl r.ighu, . .~... '~;", '~C! ~" .' .... " "'::t> I~ r~u.r,r~~ri._~iV!.;gs,_~~ fe!l.t'rrir:!~)rifp~m~t!Q,n:..::. _i.,;'~'" , your nam~ and Ac.coun.tr;'lum:be.r,' ,..' , . your dollar,amoun-t of -the suspectedeii'ot. ,'~.. ", ....: . describe th'e error and e:Xpl~in, Ff ~u' ~an; why'you b~ljeve } there i~ an err,or:'lf yo'ti~'n.e.e~, more,jT\fomi~tj?n,.~~be:~H_~ ~t.mtO\l.>r~n3;~,"}.~~";!lL~; .::17;";:~t("i?BiF/r' ' If yp,~.. naYe.., au.t~qr.i_z~e}i;J.~f)~/_pay:"'WgYr;'~~el;fh_( ~il,r~,,:;pj,.11 a.utcimtt~lIy~ ~r?ni. ~~~~~i!,l~~ ~r .q.~tkj~s(aC;C;~lJ~t, .~:y~pa~' I stop the payment on ailY-':~o~htYi?u.thln~_IS,~O!lg. To'rtOp;-the 1 payment, your letter must- reacH us three business days before ; 'the automatic payment is scheduled to occur, 1 2. Your Rights and Our Re5pon,dbllities After We- R~eive Your Written Hotice We must icknowledge your letter within 3D days. unless we have corrected the error by :then., Within 90 days, we must either correct the error or f'tplain why we believe the bill was correct. After we receive your lett~r. we cannot try to collect any amount you question, Dr report you as delinquent. W~ can_ continue to bill you for the amount you quertiol'}< ibtlt1diiig nnan_ce charges, anq .we' can:apply any :uiipaiCl' anfaunt ~a9~iFl'rt;"you(.;ACcoiint credit limit: You do not hav~' to.:pay any. questioned amount while we ,re investigating, but you art nHl obligil1edto pay the- parts of your bill that are not in question. tf we find that we made a mistake on your bill. you will not hiV!: to pay any finance charges related to any questioned amount H we didn't maKe iI mistaKe, you may have to pay the tinance char9t~ and you will have.to maKe'up any-missed payments on the quertioned amount. In' either : case, -we will serld you iI statement of the 'amount-you owe and the date that iUs due. r~ .you -fai(t(;'. pay'the:"~'m()unt -tha.t~~f'thmtYl:li""o~~}w_;"may report'you' as delinquent. koweVe'r.1f'ou~ 'explanation:'doe's'~of 'satisfy yoti and you write us'.wiihin ten"'da:ys 'telling 'u{tnatyou still r~fuse to'PlY,' we muSt tell anyone W.e report yov~~6 t~~t.Yl?u . nave a:ques'fion about 9burbU~. And. w~ must 1eUyou the name of anyone w-e' reported you to. We: must telt anYC?f1e ~ report you to that the: matter has been s~ttled betm-en us' wnen it fir.l~lIy il. If we don't foIl6wtti'~ie.tl:iles, we, can't cDrlect the first SSO of the quertioned,amolmt. eVen if'your bill was correct. . !! 3. .sp~ciat Rui~ For credit. .c;rd, ~;d,;s~~ ' , ..~.' ::..' ~.~. ,_ .,; "'." . ..~., '" ,'. _. ': 'i" :. "', .'-' ,,-.,';_:. '. -:- ,',- .' ;;:.:;.!~ If you.h"y.e,a,-pro~l~m,.Vo'itn,:the ;qu~IitY.'.Q(.goor;!s Dr. ~el:'V:kes th~t you,py!rna.~ea with a _cr~~i:tcard,.ilrl~ Y~t.\.,ried. in 9C?od.:faith to correct;t'J:Ie:probJenfwiih th~'rryerttulnt;'yoil may,have: thi!"rlght not'tp--pay the.remaining amount due-~on ;the 'goods or services.. There are two nmitations on this right.,: . ,r,-,,' -18- '..'. ..~~;:.:: I .-'.:-1" :-;;..o;O!':_~~,::;~ ',:: ".::";...:.~~:~';:\.,.>;_.~''':'''''''''''.'';'':'''~~'_,"'__:':..., .__..>:~ ".~":~.;.,....,....",_..,.,,-.~ ""r<f'~:,:";:.._.,., ;.....~___-"..:._...__ ...__.,___ ,___._,,_,_-'-~ I i . (al:You;.m~ve'tii;ade-"the,.pUfchase in your home state-.'or, jf not-Withl~,:YOtmhome sti5te,.within '00 miles. oi -rour current rnal~l'lgaddt.mi-and {bfth~ ~~'rchase pritt must have been more 1han $,SO. ;!:;"Z'''1-'~' ".. , These limitations do not apply n we own or operat! the merd.ant.' or if we. mailed you. the ~d\ltrti!o!mtnt for the good.s prservlces, : j , ! DISCOVER" CARD CASHBACK 130NPS;,'PROGRAM TERMS ANb'CCi'NbITIONS . The Cashback. aonu;'~ rer;s "n'd 'c,:ndltions constitute 8 separate Bnd inde-pendent. agreeme.nt from tM- Canimember Agreement and apply to Accounts that particip.te in the Cashba,k BonLJS .Program. However, the5e Terms and Conditions an: subjett to the Arbitration ot Disputes section of the Card. member Agreement. whict-! is incprporated herein. . ,. Ci!shbat.k. Sonw awards are amounts denominated in doflars and cenu which may be accrued by Cardmembers by using their Discover' Card for qualmed purch!se~ Cashback Ror'\us Bwards include Traditiona' Cashback Sonus awards and other Cashbad:: Bonus awards as described below. Cash back Bonus awards are not accrued for ProhlbiteQ Transactions (as defined in the Card. member Agreement), cash advances o;r ba,Jance transfers_- 2. Traditio!'\~l cashbark Bonus ilmounts ilre calculated based on purchases made during an annual period corresponding to the Cardmember's anniversary year,s described in paragraph 3 below. The first anniversary year begins on 1he date the Card is issued and ends on the last day of the twelfth monthly billing period which follows. Ea.ch sUtus~ive imniversary .year is the appro>>:imate one--year period comprised of the next twelve monthly billing periods. 3. Except as provided below and in par,agraph 4, below, the accrued amount of a Traditional Cash back. Boriw award is .calculated by multiplying the -total qualified purchases at the end' of each billing period by: ::'-:. :_' , '. ..25% (.0025), H the purchases are pan of the' flrh' Si:500 in purchases during the anniversary yeilr, or, if the 'pufcheSes aT! madt at select ware!\olJse clubs or discount stOTtS, and . ,50% (,OOSO), if the purchases are pary: of the sec~pdJl.500 in purchases during the ilnnlver!ozryyur, and . ~ ~".~", .'" . 1.0% r.pl). 11 the purchases are pan of the purchases' iJ:! e.XCf;U of-S3:pOO dunng the anniversary year, . - .":' ;>~; . . . '. -. ~" . ",,' ." Any purchases made at select warehouse dubs-'C;fdiscount Stores will be ineligible for i Traditiomil Cashbatk ao'nus' award 'm excess of .25%- (.D025) of the amount of the purchases. However, -15- I I 1 1 :;i27i~'.1~- ~.~ ,L:;;~;;:;:~ '-'~~'-'-'~J.~J~.~.'r-;~~~'=~~~:~.::.t:t~;;:.:~ji~;.~;i~~;~~:~':,~.~ "t-~.- ..,~:.(;... '"j:'~.......",;,.' :.'.__ "r' i(:.~::'" '. .'. .' - .. - . .:," ;.,:i-'-;:~-:\~'~':;'''''::''f;'f'~(.",..,'"r'''':1 . ,.. ,.- , .!oj...-', . ..... . ;.,.,.:"":ol-r.~."':':;:"-:,. ~ . . :'."0." .-.... . ".-...~ -:'.!i: ;" . - . ,Oo .. "j , ~. .-' I ..' ., I' :i-.'. .~' '. >)~...:.~~~.: il . .~, ,;~,;.~~:...l:iE:~i~:~;t~~:j ;j ":'J'::':-.:-~1t~.~w~~JI. ,.."Wt"'......,......._;r:.. _.... .., . '-*'~'-~~:<:~::'~-~~~~~~.I i' ,.," ,.~::. ;."i):i,..,f;,~,'-.-:,;' Iii '. .............,......~..,.'-4"'1'tA.-.rl1 rr :~~l:~~~~~l.~t~ r: .. .-...,,".., . .- -__~';~,_-:-'___., "1 .; i these,pun:hases-w.il1 contjnue ,ta..Qe:incl,uoed:!fl the. t9t.!1~ aJTIount of; pUr'cha'J;~, 'milO!.' cl1l'rrlgdhe.!.aJJniYe'T-$ar)! <real:, and ~Dsed': to determine the applitable percentagt.rate'liitec. abo've ,for, other purChases. .Please ,call 1.8op.347;-789~,cir. ~isit '?uf...Web site at Oiscoverca'rd:com'fof'a [irt of the'~e' Seiect-:'We.renO'lis.e.diJbs.-al"ld discount stores. :-:;, 6_0. .:.;;.;..:;:,."'[7':-!'. .' ~.~ "r Tht'ioia', of thm'Ca1cuiatiorls' for ~affi..(~~hi~ir~ry''/~~Ui:tl.;t accrued amount of the Traditional Cash back Bonus award'. The accrued amount of the Traditional Cashbac:k BonLlS award will be made availZlble to c.arpmembers .s .oescdbed beJpw prpvided the conditions con.tajl)e(!o'.p~rilfii,ap.h.~.s:.b~!oW a~~..me1;. -The calculation for the. Trai:fjtional.cashba_iJ.i, a.On'us. :award be'gim again with the beg.in.ning' p[~~ch:';nfli.ve(S~iyy~.~._. ,:,". . 4. C:ardmem6'e~; ~~y'a:~Q"'~l~ffer~d;fro'~'ti'~';'t~ t~~: tlth~r Cashbacl:: Bonus awards (i.e:;'by "making i!I.p~rcr.ase.a't:'a-'S:pe,iffi:. merchant),. the, terms' of which: will be' disclosea ,in the offer.. These purchases will receive the award amount described in the offer. They will not be considered qualified purchases for purposes of determining the annual level ot purchase;s and calculating the Traditional Cashbacl:: Bonus award unless othetwjs~ diKlosed in the offer. These other Cashback. Bonus awards will accrue in the Cashback Bonus A.ccount in accordance with these Terms and Conditions unless an alternativ~ method of disbursement is disclosed in the offer. In addition, if, as of the dat~ Discover Card determines whether a Cardmember has met the terms of th~ offer, the CardmeTl:l~er'S Account is closed or delinquent, ~e Ca.rdtpemher w.tll'n~t '~~telt_~J~'ls. ptt),~t '~~'shD~ti Bonus award unless othernri"se -distldseq.io'tne: offer."hofWiWfhe Cardmember receive a Traditiona( Gashback Bonus award.on thesl! purchaseJ;, The accrued amount of these other Cashback Bonus: awards will be made available to urdmembers liS described below provided the conditions contained in pa.ragraph 5 below are met. ,. :i',i 5. All Cashback Bonus iwards will be held in the Cashb~t.k. Bonus Account. The Cashback' Bonus amount avai"Jilble. for disbursement is the amount in the Cashback Bonus Ac.couMt. as of the .Ian. day oi the- _Cardmember's',previous .biilirig'~;'P~riod. However, Cashbwcl Bonus...awards' may.oe.: retfeerC~d :';n mcremeriU 'Of $20.'on~.'Cardmembe"rs have. no -right" to 'aCcrUed Cashback Bonus amounts of less than $20ter__amoiiou"\vitbiFl'lhe $2~ irycreme.ntsi:. .'" .~ ;,;;,:~:: ;":~/.;; .';'M:\f~~i.\'~'~-'~,:~':' Only.Cardmembers in good. rta.nalng witb~ open' ~ci:oL1nts:.'may access the accrued :ushbacK Bonus awards.. in the ~'Cashbad: Bo,nus At.tt:!unt 'Tl? i?! _in..9Qoo standing i!_ Car9member m~r. no.t be delinquent (as tle~i:ribe# be1crw} cir..iIi'de.~~l.{Jt -(as defil).ed in the CardrT!embe.r. Agreem~ni:l".- a'na.a Car'dmember may not ha"'~ used the""<Account:.foF .ariy prohibited.: 1ransactiQ,n~:"(iTh!! Cardmember is delinquel1t...jf..Ojscov~r'<a,rd'bas'not ,n~t!!iVE'Q'B required paymen1 by the. P:a)'1T'l~ D\:le Date sh.own. o~ the monthly bnJ.ing :rtatefTle',,!t:. '.'.:".:. . . '. :. .;, : '. ..... '. .'. ~"'.' .'. '.. . ._, .., . l '. If an Account is;,incctiv.e fOJ 3~.tot)st:cutjve monthS". any amovnt -20- .. -:-,r:=~~,i~;'7-:=:..~~i::;:'~1~.~:,~~;;;;.r;~""');':'o:;.:."~'~H........:-s.;=.~7,J~ .~".':"., ;~;;.,;,:__;;:;:.:,::,~~:.-... ::"__".:_:...:: .. . .:._:" ::. " ~:;,";.::c"~ .. +';.......:~,.,..':.. '.C '.' _,' ) ofJ29 ~~W~~g:~~~.C~~po~~ .a-g!i:tJS.;aWa~4'~i!l'pe paid 19' tfi.~.ti'tQ[fi~~.~~t.~.t-..en. A~f?.unt tred~~}fq \~,!e~~l')~~_1-~~ 1.2,~'9. ~j~.mti~~f-~I)-;l~qe~~~.t'of $2~}!1e.,[~.~ft~,~!r~. .9treac,~ ~e_d, ' tfi~rnQ~.P!:_V!~q)e..f~e!f!i:f. tf.. ary" ~f~oun!)s clos~~':~~r~~!Tf rea.Soh;""f~nf"'C~~l1oad:. -Bon.us' awards 1M tb~ Cas~l?a4~.BonH~ ACtoili;r,wU! be Torfei'l:ed. . -.'..'" ';'.' """~:. .i'-'., J:;':!'1....r.._~_.1-:'f~..,. ':'- -. .,:..' t....,'~.~~...-,~=!;'.!~.,_ .j"", 6.~ir~.qikiiiY1~g..~r-d.me~ber...~ay 'have th!!~ opp~rfuriit)...,,~o choose the: manner :itl whkh~CashbacK Bonus. awards;. are disbursed. including. iI credit.to' the. Cal;dmember's A.c.cOQr.t;...1 check that is mailed to the Caromember, or aA<fxchange' ot'the <;:.af.ry~~cK B.9n4.~.~.a.rv.~J:d, t,o!',;J.~I.e9~d~:~r~d~tt; ..CA' ~~~~~~~ J~e terms Of wrtlcn WlIl.be .con.ta.l!'l.ef:Llffth~offeT; Cpr.Q.rpem~.ers may select mote tha'n'.'o:re"redemptlofj. ~.etho"cf.: 'however"-~.acli redemption ~and" _!adi.....:rede."lJ1ptl,o:n. -ml!:thod' .must b~ -in ~'$20 increm'etj'ts: 1)js.c;cver.;Car.dro8Y-i.change t1i~.nd"emption -mE.thod"s in its,sole discr.etior-r. fr.orrr1.ime to .time. tt is .the Cardmemb'er's respOnsibility to . notify DiscoVer Lard ~ the even1 iI Cashbad. Bonus disbursement is not r~cejved for any reason. Cardrnembe-rs .may redeem Cashback Bonus awards by calling ,. B77-YOUR AWARD {1-B77-96B.7292 {Monday.FridllY, 7am . 7pm CST) or on the Internet it Discovercard.com. Prior to redemptipn, the transilctions on which' CiI'shback BonuS awards are calculated may be audited for compliance with these Terms and Condition!.. 7. In the event a Card is 1051 -or stolen, the accrued amount-l:)f the Cashbad'Sonur; awards .in the Casnoa_ck:'8'onu:s:f,ti:rc6Unt_the amount of.'qU:alifying pui-cha~'erani{.!~er.~'~f1;ve/~arY:Baie-;1fo,m the old Account will be transferrerl'to- the:rieviAccount. .. "~"-" B. Discover Card reserves the right to makf other adjustments to Cashbac~ Bonus amounts accrued ba~ed on Accounl activity: for example, any r!!turf'lS will decrement these amounts as determined in Discover Card's sole discretion. Discover Card also reserves the right to trun.t.!te Of round Ci!lshback.Botn1'5 aTTlounts to the nearest cent as determined in' itS sole di.scretlo;;. 'If the Cardmember receives iI Cash back Bonus iwar-d in '"excess of the amouMJ.; i.~_. tt.~. ~a~hbl~.~~', ~.~nu~ ~.sc.oy.nj4tQe:I' Ca!~9J:rry,~e(~ . ~ccpu.n~.'t\'IIJ.,~e ,-dep,ltect1.ot ;th~,ent-lJ,e: am'ouflt:.of the_erro.l)eQus aWcf~d:~il~'~.~e~esjt; J:tiis.'amount ~!t~"5iJ1ii~g,{o \tl{t~t~"[)i the. ,~.rdJTIei:nb~( Agr~enie"t,. ihc!udiryfbPt:.tiot/jmltea 't'1 .trye [f!\P~~'Yiii.p~ fi~a~;~.~ ~ffj~!~g~~~~.~;;:::~~~-~~~~~~~.~;~.~~~; 9. These terms ~nd condit;on.s -are_.sL'lbiect~tb..chcirige.!W!th'o!;lt notice. Changes may bf matle at any time;,and may indiJde'. 'btt1 are not limited to, modifying th~ leveJ.of p;trc.hi!lse$!.equir,~d,.to qualify.Jor tl1e various tier:s, establishi,ng a n:1~x!muni arT)0'u~1(of Ca~"~a.ck ,B.oo~ 'Jward Cardme.~bers.!l\GY. ret!!lvii, t.!1angiDg: th~ aQ1l;l'unt..tliat must be accurnula:,ed 'in'"th! Ca_shbad: Bonus Ac~ouirt.:oeJor:e;._an ~ward may be're<;lerm_ed;' d}irigiryg tli!.typeS of trarn.actiom thot, constitute,.a: quali'fj~d; p~'r~as.!!.: ~!i~ry.9ing.". the amount of C~shb.acl:: Bonus award a'cirued 0;' certain types of plJrthases;,;iiTipo:sin'9 additional restrictions/or,termina'ting the program.,: .;. . '.. .'. [.'. -2t- ....--.. ...,..."..,. -:. ""\'J;';i,~tc~~~~,~"'. . -. ~--......,........ . -. . .: ~~_.~.. -~~ .~~~:~ =,~~:,-~~"'."'~~~~~~.7~~:~:~;~;.~~~;~~=~t:;;~i~11t~i~~1~~~frE~~~~-:~.~~~:":~~~~~'~~"~:~;~~~~;:'.::~~~:~'~8::;~:'~fff . . ",. - . .___. P' ......" .___ .", ,.. .. .'-.~ ._..___ .~;:. ," -~ ;:~~"~ ~.~~.:-.l . .", ", :.:.2_;:~: :~~:. :<.'~~'.;-; . . . - '-- - -;.,.;~:,-,'"",,,- -:'~';':~~,of~~~J ....;-'~.:. ",! - ;:/~>:-!1 "', , }7',~::: };:,:,-J: .' }~{':.;G;r~:~;:1 " :.'.,..' : I'~:' i: " .- .;~.":.-'-::i.:'::<~_~~1'. . ".' "~' ...,....' " "...,.~ ;tt~_..._~,~ ~~"'ll. ~t;~1I'\~: ~.Il ....--.:--...:.~.:....-~~..:.,..,;'..;"j ":.;'i ..' DE5CRIPTtO~ OF.COVERAGt-,,",c.,"2)-j scHEDuuri 'A'i~ 'W.~E{"ACCr'DENT:INSU~~~t[-~1si6~~~ dassie. Cardmernber.~i' ~re:"pi'o~jded.~~_wli4u-p..~ f6; ~;'15.0, qb~ Sc:heduled A.if, Travel-AcCideht", prbt~Ction;'Whe'neYef.'yoU~use your Discoliet'"Cla'ssic Card (ihe .cT~dct.,cardj( l~ if;~rge Your entire Common Carrier Fare Ticket on 'ariy'Corr1fn~~rcfaIAjrd"irft op~rated by a . Scheduled Alr..;Carrier:.tJrider:~ a::)lciriSe:,fpr the transportation of 'pas:.senger1'Tor hire (her~jn' c:.atled.ScheduJed Air Carrier). YOLl'iutC?matkal!y receive thit valuable tov'!.r<lge' at no' additional cort.. . ;..'i ~ ~:. . ,: : _;:: .:'i ~'. ",:,:' :.;"""" '"', Th~.b~rie~~.of~h~ P9h~:pt~y.I,djng ~~U~f~yt.ag~~'~4 9o~~r:;e~ pr;marily.l5y.tlie law:oT ~..rtife_.Dt~~r.tKa:~ofj,da~ :~;._'... ;, : . .. .. .... .'., -....,.;.0.... .(.'-'_.._.... ;,:-.'.. .__'':'' ,}.,_..... .... . ..Coverage is. underw'ritten ~by'. NatIOnat~Uni~o: fire -:~ru:urance Company of Pitt5burghr PA. (tlle.....lnsl:Jnince.7CorripanY".1.- with offices in New Yor,,," NY. CertaiM Jimitations and,~xclusionnpply. . PLAN- FEATURES . :. Bendlt Amount.s,SO,OOO Family Aggregate Principal Sum ACCIDENfAL DEATH BENEFITS. Insurance coverage will be equal to the benefit amount fo~ ac.cidentalloS5 of life. The loss murt occur within one year of the acadent that caused the Injury. Family Aggregate Principal Sum means tne total amount Df insurllnce in force or. the Cardmember. his or her spouse and their dependent. children for. ~ny one:a.ccident. .It.JTlor~,than one Insured Pe.rs~ndie~,as t~~ result 01 the.:.',~j~rLes.~re,~efveif.~.~ny one accideht., the 'rami!Y:_Agg~~g!te :Frihcip'arsU~wjJn)(:p;ro; rated and paid in accordal)ce !oVit/'ltne Claim parm~iit 6!:'1d'be~e. ficiary provisions of th~ Policy. Once tne r 2Im\\y Aggregate Principal Sum is paid for anyone Insured Person in a Family that occurs as the result of anyone accident. no further benefju are payable tor further de,ths in that Family due to Injuries received in the same act:ident Maximum Accidental Death benefits payable under ~~ PolicY,. if more than one Cardmember suffen' a loss from the -same a~cJ,den~~,ar.e limi1e.~!,t~ a.h aggre,g.a~~; 0~}~O,9,~.o,lJOO,.i~t. i!_1 !;:a.~~.m~.mbers_ ~Or1;lblr:leq. ~ny reduttlorj .Qf b.enefrtS ryfnssaty ,t? cbfTip'lY with."th,is' Jimi.tat!o.n': win ,be.ltiade ,on:a 'propDr.tI~n6t~ b~sis'to ~at~..ci!l'rdmemb~r'up to this ~g9regakllrnin):f J)aoility; !J' uSed-. herein,,' Cardrnember 'mea6~;,,,;~~dtr~~.?'~;b.f~-te.r..h~,r Insured spouse and Insured oependennhlrdr.en: ThIs .&ggregBte lim1t:does not.replace-or.in any..way_affectthe FamHy-Aggregate PrindpalSum 'stated under ~he P.olicY. '. ~.;,;. i,'.;",: :;:::' -In)4ry- m'eans ~odny I(ljury: (afwhich'J{s'!Js1a'jne~f?i\a"tjlr.~ct re.sult, o~ Jin; unjn:t'erlded, ',on~nt1~lpat~cf.ac.c:,perit' 'di)h. a::~~eri!al ~~tf}e b~dy.. ant:!' th,a~. oC:~ur~ ?i~ili t[.e'ilijiJred" pe.fionJi;ioY.ei:age under thirpolicy i~ in forcet'iritl'(b}"which dire'rtly (iridependent t!f;~jd;l'jes('cis~a"~e, ,lpen!~l: l~fif1l'lltY,' ~~6df~ )nfinn\&: .9f'. anV other tause)' causl!!$'i1-covered Joss:'r _-' _ -.', .;:. . :.....;...' ..::~. '.- ", :' ;," -:" .." . ". ::.!;. -', ..:.)" .'-:."::" DISAPPEARANCE:BENEFfTS. We wiU'prl!!sume-you suffer.ed .Ipss of Ilie due to an accident if: you are riding in a Sch~duled -Air -22- tat>tl~rit'kit".~~Qtlq-ea:.~'1l't6Vired~ accld~l'\"~n'd':2"s. Ii -r!sutt.:tl, th~'actid~t,:'rtlii!'~Scheduled'.Air Carrier. is ;wredeo; ~"sinks;: or disippdls;:incr.your body ij't1ot>found withittone (1.) year of t1ie aC9_~~~=~~_ ":L';"::...~..~;~'1i/":':".,. ~ ,;',;.," .._., I1:1e:'):PtatQf ~J/.pen~~t(p~yable for you, your sp'ous~ and' your rle;;enden(cl1i1t1ren''from the s:ame accident will not eXte-ed the S150,OOO F'amlly Aggregate prfncipalSum;" .'... '.' EUGIB1UTY. This iiutomatic insuran~e- is provided to eligible ho1den pf the credi't c~rd whose names ap~ar on the 'cr!dit tard, -thei;. spouses' and theit uOrfli!rried i::Iepem~.ent children under age 19 (age 23 if atte'nding sChool on I'fv"~time'b!sis and ~ully depen~~nt .1O>.1} yp~,for sYPPt?l),l, How~er..:th!. itg!._ limit .d~ not apply to, a~.GJliJ,cl.~l!~o)s .ir,ca?i!I~\e .ot;,~.!li.s4~ail1jng employment by reason of mental or phYS'tallncapadty. , EFFECTIVE PATES. Your insurance under this ptan ~ l!:ff~i~e on the later of: 1) July 1, 2001; or 2) the date you become an eligible person, Your insurance under this plan will tease on the earlier of; 1} the date the insLlrance coverage is terminated; or 2) on the date you cease to be an eligible holder of the credit card. THE BENEFICIARY. Unless you dtsignate otherwise with a beneficiary designation form. your death benefit will be paid, in equal shares, to the first surViving class of those that follow: <') . your spouse; (2) your children: (3) yout patents; 0( (04) your brothers and sist.el'I.If..n.o~J2Iss. bas. a survi.vor, tI'!",beneficiary is your emte.. YOIJ rn~y;,t-i;;ri~ie.Y"~lir .be1)iji;iiiy '~r ~riting..to the Insurance Company at Accident &. Healtn DiVIsion, 500 Wert Madison 5treet. Suite 2250, Chicago, 1l60661. ClAIM PROCEDURE. 'Claim forms may. be obtained through the Insurance Company. Claims for benefits must be filed with the . lrrsurarrte Company. within 90 days or as soon as reasonably possible aner the loss occurs. ' PLAN OF INSURAN-CE COVERAGE.. You, as a Cardmember, and your spouse and children will be covered against injuries that result in an accidental death while a5 a passenger..t!\ or on, including getting in or out oi, or on or off of. any S.cheduled Air Carrier jf the Common Carrier Fare Tlck.et tor the flight W,:lS cha.rged to, your crtdit t-ard. Companion tickets issued for fr~ with the purdla~e of a fuJ~ fare common carrier ticket and \J~ed by i!I spouse or oept:ndent child will be con5idered as furfy charged to the creeit card, if tne corresponding fun Common Carrier Fare Tirht is charged to the credit card. Coverage is effective when you board the Scheduled Air Carrier, provided the full Common Carrier fare TICket is purchased, or the travel reservation is made for the companion tick.ets, prior to boarding such Scheduled Air Carrier. Coverage. e'nds when ''fOU; ,. alight from the Scheduled Air Carrier. . .';\; EXCl.USIONS. 8enefits are not payable if the Jon is caused by 0;< results trom: 1) self.inflicted injury or suicide: 2) sickness,_ diseas~ or mental incapacity or bodily infirmity whethe' directly. or -23- - -~".~:S::~~~~~h~:~~~~;:~C' VERlFICA nON The undersigned does hereby verify subject to the penalties of 18 P A.C.S. ~4904 relating to unsworn falsifications to authorities, that he/she is Rnhpr1- Aqkin" (Name) Discover Financial Services Inc., servicing agent of the plaintiff herein, that (Company) Accounts Manaeer of (Title) he/she is duly authorized to make this Verification, and that the facts set forth in the foregoing Complaint in Complaint are true and correct to the best ofhis/her knowledge, information and belief. ~~4V~ (Signature) WWR# ~ o U{ 1- 1'k\- ~ c..v C> ~ ~ -.J .0 "2:, If- -2.~1f? -r C) ~n ~_.t r-' c '-, --\ \",. ,-.') (.,,;. c') ,- ;-\\ G ,~ SHERIFF'S RETURN - REGULAR CASE NO: 2005-00960 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND DISCOVER BANK VS HOWER STEVEN B HAROLD WEARY Sheriff or Deputy Sheriff of Cumberland County, Pennsylvania, who being duly sworn according tc law, says, the within COMPLAINT & NOTICE was served upon HOWER STEVEN B DEFENDANT , at 1757:00 HOURS, on the 1st day of March at 1266 SUMMITVIEW COURT NEW CUMBERLAND, PA 17070 by handing to STEVEN B. HOWER a true and attested copy of COMPLAINT & NOTICE together wi~h the 2005 and at the same time directing His attention to the contents ther of. Sheriff's Costs: Docketing Service Affidavit Surcharge So Answers: 18.00 12.58 .00 10.00 .00 40.58 e./ ~ ,~"'"".:~;~':;....;p"r "" . .r ,r;.'.,{.....'.,/ ..... ~ "7 ... R. Thomas Kline 03/04/2005 WELTMAN WEINBERG REIS Sworn and Subscribed to before me this ~_ day of ~'\.. ,~e-os' A.D. t-,i,;,~~~ By: .7!t:t'1 ZJ~ Deputy Illileriff - - - - - - - -- -- - - --- - - - .- .--- -- - - --- - - - SHERIFF'S RETURN - REGULAR CASE NO: 2005-00960 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND DISCOVER BANK VS HOWER STEVEN B HAROLD WEARY , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according 0 law, says, the within COMPLAINT & NOTI CE was served upon HOWER STEVEN B Ue DEFENDANT , at 1757:00 HOURS, on the 1st day of March , 2005 - - at 1266 SUMMITVIEW COURT NEW CUMBERLAND, PA 17070 by handing to STEVEN B. HOWER a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing His attention to the contents hereof. - Sheriff's Costs: So Answers: Docketing 18.00 Service 12.58 -,-)/.:/ ~ -r""~-;.c;'v.-."-...-< / . Affidavit .00 . Y' ",<:;"t: ~. .. <,.-- Surcharge 10.00 R. Thomas Kline .00 40.58 03/04/2005 WELTMAN WEINBERG REIS Sworn and Subscribed to before By: -?ht1 ZJ~ 7 of ~'- me this day Deputy ~heriff . ,d'e ..if A.D. 7J'i/co1lJ7,;f,~~ - - - - - - - - - ~ . , IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY. PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, Plaintiff No. 05-960-CIVIL TERM vs. PRAECIPE TO SETTLE, DISCONTINUE AND END WITHOUT PREJUDICE TO REFILE STEVEN B HOWER, Defendant FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: James C. Warmbrodt PA 1.0 #42524 WELTMAN, WEINBERG & REIS CO, L.PA 2718 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#041 02841 ~ , IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, Plaintiff vs. Civil Action No. 05-960-CIVIL TERM STEVEN B HOWER, Defendant PRAECIPE TO SETTLE. DISCONTINUE AND END WITHOUT PREJUDICE TO REFILE TO THE PROTHONOTARY OF CUMBERLAND COUNTY SIR: Settle. Discontinue and End the above-captioned matter upon the records of the Court without prejudice to refile and mark the costs paid. WELTMAN, WEINBERG & REIS CO, L.PA /~ UJ / SWORN TO AN; S,;, SCRIBED before me this day of NO r-. ~ ~_"I "iJ ~.. J -, "-: