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HomeMy WebLinkAbout14-1220 Supreme Court ofPennsylvania WWR# 30196643 C A Pit SJS Court of Common Pleas Civil Cover Sheet For Prothonot Use Only: C UMBERLAND C oun t y Docket No: /t* The inlbr» nation collected on this fibrin is used soleh for court administration purposes. This fibrin does not sttppletnettt or replace the filing arid sen-ice of pleadnigs or other papers as r•egttir•ed br laly or rules of court. Commencement of Action: S [a Complaint ❑ Writ of Summons ❑ Petition B Transfer from Another Jurisdiction Declaration of Takin C DISCOVER BANK Lead Plaintiff s Name: Lead Defendant's Name: T ERIC S HOLLOWELL I O Are money damages requested? El Yes ❑ No Dollar Amount Requested: ® within arbitration limits N (check one) ❑ outside arbitration limits A Is this a Class Action Suit? 13 Yes R No Is this an MDJ Appeal? 13 Yes 0 No Name of Plaintiff /Appellant's Attorney: William T. Molczan,47437 ❑ Check here if you have no attorney (are a Self- Represented {Pro Sel 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 zDebt Collection: Credit Card ❑ Board of Assessment ❑ Motor Vehicle ❑ Debt Collection: Other ❑ Board of Elections ❑ Nuisance ❑ Dept. of Transportation S ❑ Premises Liability ❑ Statutory Appeal: Other E [3 Product Liability (does not include 13 Employment Dispute Mass tort) Discrimination C ❑ Slander/LibeUDefamation ❑ Employment Dispute: Other ❑ Zoning Board 'I' ❑ 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 �Avly CU!"ISERLAND COUNTY P ENNS Y L VAN IA IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff N : VS. COMPLAINT IN CIVIL ACTION ERIC S HOLLOWELL Defendant FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: William T. Molczan,47437 WELTMAN, WEINBERG & REIS CO., L.P.A. 436 7th Ave Ste 1400 Pittsburgh PA 15219 -1827 (412) 434 -7955 FAX: 412- 338 -7130 30196643 C A Pit SJS 1o3•'1Sl °t"b IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLV 1A t'z� CIVIL DIVISION i DISCOVER BANK Plaintiff q VS. Civil Action No ERIC S HOLLOWELL -�- 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's account, which is the subject of this litigation. 4. Defendant is an' adult individual(s) residing at 119 FARM RD NEWVILLE, PA 17241 5. Defendant applied for and received a credit card bearing the account number XXXXXXXXXXXX8624. 6. Defendant made use of said credit card and has a current balance due of $1490.36. A copy of Plaintiff's STATEMENT is attached hereto, marked as Exhibit 11 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, ERIC S HOLLOWELL, INDIVIDUALLY, in the amount of $1490.36 and costs. WELTMAN, WEINBERG & REIS, CO., L.P.A. William Molczan Esquire PA I.D. #47437 WELTMAN, WEINBERG & REIS CO., LPA 1400 KOPPERS BUILDING 436 SEVENTH AVENUE PITTSBURGH, PA 15219 (412) 434 -7955 DISC VER Discover More Card Account number ending in 8624 Open Date: Apr 23, 2013- Close Date: May 22, 2013 Cardmember Since 2011 ACCOUNT SUMMARY PAYMENT INFORMATION Page 1 of Previous Balance $1,516.78 \ I ' New Balance $1,516 Payments and Credits — $0.00 Minimum Payment Due' Purchases + $0.00 $1,516.78 Balance Transfers + Payment Due Date $0.00 1 June 17, 2013 Cosh Advances + $0.00 ' Includes past due amount of: $550.00 1 I Fees Charged + $0.00 your p j Payment Warning: If we do not receive our minimum a ment b the j Interest Charged + $0. 1 Late P 00 j dote listed above, you may have to pay a late fee of up to $35.00 and your { 516.78 i purchase and balance transfer APRs for new transactions may be increased up to New Balance $1, the Penalty APR of 27.99% variable. See Interest Charge Calculation section following the Transactions section for detailed APR information Minimum Pay ment 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 Credit Line 50 balance. For example: Credit Line Available $0 I yott make to charges .� Yoq will pay off ihe: And you will end up Cash Advance Credit Line $0 rising tft�stprt) and each tnCSra7h ! balance sfiowrt onihi's payiix� girt estima}kti �Ottil `yov..PO' -= sfaternenrivi +about,.... cif- Cash Advance Credit Line Available $0 1 Only the minimum payment i 4 years $1,517 You may be a to avoid interest on Purchases. See reverse for r details. If you would like information about credit counseling services, call 1-800-347-112 1. .................-......., ..... .._............................. ..._..........................................................._.................................. ............................... ...... ..._ ....................... ....._.......__..............._ ........- ............_ ........................ _........................_ ...... ................ ._ ..... .. REWARDS j Contact Us Discover.com _ .......... ............................. ............................................. ..................... __..._........... ._............................. ............. 1- 800 -347 -2683 Cashback Bonus® Anniversary Monih June Opening Balance S 0.00 New Cashback Bonus This Period + 5 0.00 Redeemed This Period — $ 0.00 .......... ... ............. Cashback Bonus Balance $ 0.00 i To learn more, log in at Discover.com Make Check payable to Discover Please fold on the perforation below, detach and return with your payment NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION P menl" Coupo . P ; , ... .. .. �' 0 . ay On ltle P ay" by Phone i I Account number ending in 8624 1 Pleas# do no► fo(d,, clip or sftrpio, flistovec Cam 1.800347= 2683 Minimum Payment Due $1,516.78 j rl.'I I'i:i !I I,ijl!II Iil1' I'i'I; I!Il;il) l I: rl New Balance $1,516.781. ............. ........_........................... ._........_..........,, ........ _........._........... Payment Due Date ....... ............................... .... ................... June .... 17, 2013 ERIC S HOLLOWELL - - -- 1 19 FARM RD Amount enclosed S NEWVILLE PA 17241 -9508 PO BOX 6103 Q�C,� CAROL STREAM IL 60197 -6103 3019.66431 Internet payments must be received by SPM ET to be credited as of the same day I l I ! i I I I I I I I I I II Address, e-mail or telephone changed? Note changes on reverse side 00 D 001986453470 810810015167800020270151678 EXHIR ERIC S H OLLOWELL Account number ending in 8624 O en Dote: A r 23, 2013 •Close Dote: May 22, 2013 11 P......... Y.. P ... 2of4 Important Information --- - -- You rnusi ensure that sufficient funds are available in your bank account, and See your Cardmember Agreement. Your Cardmember Agreement all transactions must comply with U.S. low. contains all the terms of your Account. You con set automatic payments for: (i) statement New Balance, (ii) statement Lost or stolen cards. Report immediotelyl Call 1 -800 -347 -2583. Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) Other dollar amount, If your scheduled "Other dollar What To Do If You Think You Find A Mistake On Your Statement amount'' payment is not enough to cover the Minirnum Payment Due as listed If you think there is an error on your statement, write to us at: Discover, PO on your monthly billing statement, your scheduled payment for that month Box 30421, Salt Lake City, UT 84130 -0421. You must write to us within 60 will be increased to cover the Minimum Payment Due. If the scheduled days after the error appeared on your statement. You may call us, but if you payment is greater than the Minimum Payment Due, any excess will be do we are not required to investigate any potential errors, and you may have applied in accordance with your Cardmember Agreement. If your scheduled to pay the amount in question. The Billing Rights Notice further explains your payment is greater than the New Balance on your billing statement, that rights. Please see your Cardmember Agreement or visit payment will be processed only for the amount of your New Balance. Your https : / /discover.com /billingright for a copy of this notice. automatic payment amount may be less than the amount indicated on the Payments. You may pay all or pars of your Account balance at anyy time. billing statement based on credits or payments after the Close Date. However, you must pay at least the Minimum Payment Due by the f'a menl If you enroll by phone in our automatic payment service, please fill -in the Due Date. Send only your ppayment and the bottom portion or statement following blanks below and retain the authorization for your records. in the enveloppe provided. Uo not send cash. If you pay by check, yo authoriz@@ us io use information on your check to make pn electronic fund Amount: E Full Pay 01iMin Pay a Min Pay+ s transfer from our account at the financial institution indicated on your check or to process the pa meni as a check transaction. If a payment is processed (;Other Amounts ;Bank Routing #: os an electronic fund tragnsfer, the transfer will be for the amount of the Bank Account # check. When we use intormation from your check to make on electronicfund transfer, funds may be withdrawn from day w your account as soon as the some e receive your payment, and you will not receive your check bock from Monthly on the ....: ' Payment Due Date (...jClose Date your financial institution. ( Day of month (insert date) 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 Credit Reporting. We may report information about your Account to credit any other address or if you use on envelope other than the one provided. bureaus. Late payments, missed payments, or ocher report is e your Account may Payments received in proper form at our processing facility by 5PM local time ay be reflected in your credit report. We normally report the your and on any day will be credited 10 your Account as of that day. Payments received payment history of your Account to credit reporting agencies each month. if at our processing facility fter 5PM local time will be credited to your Account You believe that our report is inaccurate or incomplete, please write us at the as of the next da y. If you have misplaced your envelope, send your payment following address: Discover, PO Box 15316, Wilmington, DE 19850-5316. to Discover, PO Box 6103, Carol Stream, IL 601976103. Please allow 7.10 Please include your name, address, home telephone number and Account days for delivery. If your payment is returned unpaid, we reserve the right to number. resubmit it as an electronic debit. Payments made online or by phone will be Paying Interest. Your due date is at least 25 days after the close of each credited as of the day of receipt if mode by 5 PM Eastern time. billing period (at least 23 days for billing periods that begin in February) . We You can pay your monthly Minimum Payment Due, or a greater amount that will not charge you any interest on Purchases if you pay your entire balance does not exceed your current Account balance, over the telephone or you con by the due date each month. We will begin charging interest on Cash setup automatic payments through a customer service representative by Advances and Balance Transfers as of the later of the Transaction Date or the calling 1 -800- 347 -2683. Automatic payments for the billing period shown first day of the billing period in which the transaction posted to your Account. 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, How We Calculate Interest Charges. We Use the Doily Balance Method unless you request a recurring payment date (e.g., the 15'" day of the month) (including current transactions) to calculate the Balance Subject to Interest that occurs before your Payment Due Date or Close Date. If your scheduled Rote. For more information, please call us at 1- 800 -347 -2683. payment dole falls on a weekend or bank holiday, your payment will be processed the business day Prior r weekend the eked rban h day. Inorder to Balance Subject to Interest Rate. Your statement shows o Balance Subject schedule monthly payments by telephone, you will need this statement and to Interest Rate. It shows this for each transaction category. The Balance your bank account information. You will be asked to provide the last four (4) Subject to Interest Rate is the average of the doily balances during the billing digits of the social security number of the primary borrower. By providing period. those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you Credit Balances. If your Account has a credit balance, the amount is shown authorize, in the amount selected by you, from your bank account. You also on the front of your billing statement. A credit balance is money that is owed authorize us to initiate debit or credit entries to your bank account, as to you. You may make charges against this amount if your Account is open. applicable, to correct on error in the processing of such payment. You con We will send you a refund of any remaining balance of 51.00 or more after cancel a scheduled payment by phone at 1 -800- 347 -2683 or by moil at 6 months, or as otherwise required by applicable low, or upon request mode Discover, PO Box 30421, Salt Lake City, UT 84130 -0421; however, we must to the address in the Contact Us section on page 3 of your billing statement. receive notice at least three business days in advance of the scheduled Discover may monitor and /or record telephone calls between you and payment. If your payments may vary in amount, we will tell you on each Discover representatives for quality assurance purposes, monthly billing statement when your payment will be mode and how much it will be. The Discover® card is issued by Discover Bank, Member FDIC. TL23N CHANGE OF ADDRESS .............. _._ ... ............................................... ............. .................................. ........... __ ...................................................................... .............................................................................................. ...................... _......................................... If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. .. ......... , I Street Address : I Home Phone -- .... ................ .... Work Phone City Email ........ ........... 36 ti9943 To make changes to your address, ernail or telephone number, visit Discover.com Continued on next page 3 DISC VER Discover More Card Account number ending in 8624 Open Date: Apr 23, 2013 - Close Date: May 22, 2013 Page 3 of 4 CONTACT US ........................................................... ............................... I < Web ® Mobile Phone Inquiry Mail Payments Access your Manage your 1 -800- DISCOVER Discover Discover account secure) i Y account anytime, (1.800- 347 -2683) PO Box 30943 PO Box 6103 j at Discover.com anywhere at TDD 1 -800- 347 -7449 Salt Lake City Carol Stream ......._.. m Discover com UT 84130 IL 60197 -6103 ......... .._ Transactions . .- Trans. Date Post Date Fees _.. -11 ................................................ .......TO ... AL FEES FOR THIS PERIOD 5 ................................. ................................. . 0.00 Interest Charged . .............................................. ............................... TOTAL INTEREST FOR THIS PERIOD 0.00 2013 Totals Year -to -Date TOTAL FEES CHARGED IN 2013 S 0.00 Interest Charge Calculation TOTAL INTEREST CHARGED IN 2013 S 0.00 Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 30 days TYPE OF BALANCE ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO (APR) Purchases INTEREST RATE INTEREST CHARGE Cash Advances 22.99% V $0.00 $0.00 24.99% V $0.00 $0.00 V= Variable Rafe ............. Information For You For more information about how interest charges are calculated see your Cordmember Agreement or go to www .discover.com /interestchorges ........................................................ ..... . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 30196643 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION ERIC S HOLIOWELL. .Account number ending in 8624 0 en Dote: Apr 23, 20,13 - Close Date: May 22, 2013 P .............. ...F Y.. Po e4of4 ............ 9 ............................ 30196643 DISC VER Discover More Card Account number ending in 8624 Open Date: Jan 23, 2013- Close Date: Feb 22, 2013 Cardmember Since 2011 ACCOUNT SUMMARY PAYMENT INFORMATION Page 1 of 4 I Previous Balance $1,516.78 New Balance I Payments and Credits - $0.00 $1 ,516.78 Purchases + Minimum Payment Due' $0.00 51,516.78 i Balance Transfers + Payment Due Date $0.00 March 17, 2013 Cosh Advances + $0.00 " Includes past due amount of: $412.00 I Fees Charged + $0.00 Late Payment Warning: If we do not receive your minimum payment by the dote Interest Charged + $0.00 listed above, you may have to pay a late fee of up to $35.00 and your purchase New Balance $1,516.78 and balance transfer APRs for new transactions may be increased up to the See Interest Charge Calculation section following the Penalty APR of 27.99% variable. Transactions section for detailed APR information Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest end it will take you longer to pay off your _ ...._ ............................................................................................. ......._............._.......$O balance. For example: i Credit Line Credit Line Available $0 If you nuake.no.additiohaldrarges You v l pay off Ifte Andyou will end up Cash Advance Credit Line ustrtg this pare( onc( each: rttcatst}i balance staw�s an: t}aia $0 Y� i� p Y statemetrt in about,.., 4n estimd tokal Cosh Advance Credit Line Available $0 Onl the mi .. nimum a ment 4 years S1 517 . You may be able to avoid interest on Purchases. See reverse for details. If you would like information about credit counseling services, call 1-800-347-1121. � � REWARDS Contact Us Discover.com 1- 800 - 347 -2683 I Cashback Bonus® Anniversary Month June j Opening Balance $ 0.00 New Cashback Bonus This Period + 5 0.00 Redeemed This Period - $ 0.00 Cashback Bonus Balance $ 0.00 To learn more, log in at Discover.com .................... ........................... . ...... ........_: Make Check payable to Discover Please fold an the perforation below, detach and return with your payment NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION POyment'COUpo I Pa Online It Y byr I Account number ending in i7 Phone 86241 Please ca ndt fold., clip or stale:. R Dis�gver.>ocq 1 90D a4T 2683 I Minimum Payment Due $1 j New Balance $1,516.78 i _.... _..... Paryment Due Date ERIC S HOLLOWELL ................... March 17, 2013 1 19 FARM RD Amount enclosed S NEWVILLE PA 17241 -9508 - - PO BOX 6103 CAROL STREAM IL 60197 -6103 301966 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 000001986453470810810015167800035000151678 ERIC S HOLLOWELL .......... . ..... - — ------ ----- Account number ending in 8624 Open Do te: Jon 23, : 2013 - Close Date Feb 22, 2013 Page 2 of 4 Important Information . .......... ......... - .... . . ... . ... . ..... . . ........ . ­ .. . . . . ....... . . ............ . You must ensure that sufficient funds are available in your bank account, and See your Cordmember Agreement, Your Cordmember Agreement contains all transactions must comply with U.S. low. all the terms of your Account. Lost or stolen cards. Report immediately! Coll 1-800-347-2683. You can set automatic Payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, NO statement 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 at: Discover, PO amount" payment is not enough to cover the Minimum Payment Due as listed Box 3042 Solt Lake City, LIT 84130 -042 You must write to us 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. If the scheduled do we are not required to investigate any potential errors, and you may have payment is greater than the Minimum Payment Due, any excess will be to oy the amount in question. The Billing Rights Notice further explains your applied in accordance with Your Cordmember Agreement. If your scheduled rights. A copy of this notice is available at https: / /discover.com /billing rights. payment is greater than the New Balance on your billing statement, that Pa yments. You payment will be processed only for the amount of your New Balance. Your ma p a 11 or part of your Account balance at any time. automatic payment amount may be less than the amount indicated on the However, you must pay of least the Minimum Payment Due by the Payment billing statement based on credits or payments after the Close Dole. 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 If you enroll by phone in our automatic payment service, please fill-in the authorize us to use information on your check to make an electronic fund following blanks below and retain the authorization for your records. 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 Amount: LJ Full P o Min PaYL Min Pay+ S_ as an electronic fund transfer, the transfer will be for the amount of the F Other Amount$ Bank Routing #: check. When we use informofion from your check to make on electronic fund Bonk Account # 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 Monthly on the _J Payment Due Date Close Date your financial institution. The processing of your payment may be delayed if you send cash, -_Day of month (insert date) correspondence or other items with your payment, if you send the payment to Credit Reporting. We may report information about your Account to credit any other address or if you use an envelope other than the one provided, bureaus. Late payments, missed payments, or other defaults on your Account Payments received in proper form at our processing facility by 5PM local time may be reflected in your credit report. We normally report the status and on any day will be credited to your Account as of that day. Payments received payment history of your Account to credit reporting agencies each month. If at our processing facility after 5PM local time will be credited to your Account you believe that our report is inaccurate or incomplete, please write us at the as of the next day. If you have misplaced your envelope, send yo payment following address: Discover, PO Box 15316, Wilmington, DE 19850-5316. to Discover, PO Box 6103 ' Carol Stream, IL 60197-6103. Please allow 7. Please include your name, address, home telephone number and Account days for delivery. If your payment is returned unpaid, we reserve the right to number. resubmit it as an electronic debit. Payments mode online or by phone will be credited as of the day of receipt if made by 5 PM Eastern time. Paying Interest. Your due dote is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We You can Pay your monthly Minimum Payment Due, or a greater amount that wil not charge you any interest on Purchases if you pay your entire balance does not exceed your current Account balance, over the telephone or you can by the due dote each month. We will begin charging interest on Cash setup automatic payments through a customer service representative by Advances and Balance Transfers as of the later of the Transaction Dole or the calling 1-800-347-2683. Automatic payments for the billing period shown first day of the billing period in which the transaction posted to your Account. on your statement will be deducted on the Payment Due Date shown on that statement, or the next automati payment dote referred to on your statement, How We Calculate Interest Charges. We Use the Doily Balance Method unless you request a recurring payment date (e.g., the 15" day of the month) (including current transactions) to calculate the Balance Subject to Interest that occur before your Payment Due Dote or Close Dote. If your scheduled Rote. For more information, please coil us at 1-800-347-2683. payment dote foils on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to Bo I once Subject to Interest Rate. Your statement shows a Balance Subject schedule monthly payments by telephone, you will need this statement and to Interest Role. If shows this for each transaction category. The Balance your bank account information. You will be asked to provide the Iasi four (4) Subject to Interest Rote is the overage of the daily balances during the billing digits of the social security number of the primary borrower. By providing period. those numbers as ic our electron signature, will be agreeing to this authorization to allow us and you r to deduct e each payment you Credit Balances. If your Account has a credit balance, the amount is shown authorize, in the amount selected you, from your bank account. You also on the front of your billing tatement. A credit balance is money that is owed authorize us to initiate debit or cre�if entries to your bank account, as to You. You may make charges against this amount if your Account is open. applicable, to correct on error in the processing of such payment. You can We will send you a refund of any remaining balance of 51.00 or more after cancel a scheduled payment by phone at 1-800-347-2683 or by moil at 6 months, or as otherwise required by applicable low, or upon request made Discover, PO Box 30421, Salt Lake City, LIT 84130-0421; however, we m to the address in the Contact Us section on page 3 of your billing statement. receive notice at least three business days in advance of the scheduled Discover may monilor and/or record telephone calls between you and payment. If your payments may vary in amount, we will tell you on each Discover representatives for quality assurance purposes. monthly billing statement when your payment will be made and how much it will be. The Discover,R) card is issued by Discover Bonk, Member FDIC. TL23N CHANGE OF ADDRESS . .... . - - - ----- - ­­ _"'_ - - - -­---­- . ......... --*--"---"*",-"--,"",---",------"----"---,"---------"--*,-,-, . . . . .. ...... If correct on front, do not use. Please print clearly in blue or block ink, in the space provided. Street Address 1 F Home Phone i F_ L. _..... ..____..._.._........_..__....- . ...... .......... ....... . . ........... A .... . . . ............ .... . ....... . . . ... . . . .......... . Work Phone City — - ---------- - Email -_ __________ _ --- — ----- - 361W43 I To make changes to your address, email or telephone number, visit Discover.com Continued on next page n ' DISC VER Discover More Card Account number ending in 8624 Open Date: Jan 23, 2013 - Close Date: Feb 22, 2013 Page 3 of 4 CONTACT US Web Phone < Access our 7 Mobile ® Inquiry Mail Payments I Y Manage your � 1- 800•DISCOVER Discover Discover { account securely account anytime, (1- 800 - 347 -2683) PO Box 30 PO Box 6103 at Discover.com anywhere at TDD 1 -800- 347 -7449 Salt Lake City Carol Stream ........ m Discover cam LIT 84130 IL 60197 -6103 Transactions Trans. Date Post Date Fees TOTAL FEES FOR THIS PERIOD S 0.00 Interest Charged TOTAL INTEREST FOR THIS PERIOD S 0.00 2013 Totals Year -to -Date TOTAL FEES CHARGED IN 2013 S 0.00 TOTAL INTEREST CHARGED IN 2013 S 0.00 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 22.99% V $0.00 $0.00 Cash Advances 24.99% V $0.00 S0.00 V= Vorioble Rate 30196643 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION ERIC S HOLLOWELL Account number ending in 8624 Open Date .. Jan 23 2013 Close Date Feb 22, 2013 Pa e 4 of 4 ......... ................................................................_...................................................................................................................,,,.. ....,.................................................. P.......................... .............................. 30196643 DISC VER Discover More Card Account number ending in 8624 Open Date: Jan 1, 2013- Close Date: Jan 22, 2013 Cardmember Since 2011 ACCOUNT SUMMARY PAYMENT INFORMATION Page 1 of Previous Balance $1,516.78 New Balance $1 Payments and Credits - $0.00 I Purchases + Minimum Payment Due $1,516.78 $0.00 Payment Due Dote Balance Transfers + $0.00 February 17, 2013 Cash Advances + $0.00 Includes past due amount of: $366.00 Fees Charged + $0.00 Late Payment Warning: If we do not receive your minimum payment by the dote Interest Charged + $0.00 listed above, you may have to pay a late fee of up to $35.00 and your purchase New Balance S1,516.78 I and balance transfer APRs for new transactions may be increased up to the Penalty APR of 27.99% variable. See Interest Charge Calculation section following the Minimum Payment Warning: If you make only the minimum a ment each Transadtons section for detailed APR information period, you will pay more in interest and it will take you longer pay off your Credit Line $0 balance. For example: Credit Line Available $0 If you make no addition s You v�ll g pay off the And you will end up. Cash Advance Credit Line $0 Laing this cord and eacfsetonih bale rice shown on: this paying on esgmotL Vol You pay stoternent in obovt,., or'.. Cash Advance Credit Line Available $0 Only the Mini mum. - 4 years $1 517 You may be able to avoid interest on Purchases. i di t b If you would like information about credit counseling services, call 1 -800 347 -112 See reverse for details. ' y 1. REWARDS Contact Us Discover.com 1 800 347.2683 Cashback Bonus® Anniversar Month June Opening Balance S 0.00 New Cashback Bonus This Period + $ 0.00 Redeemed This Period - $ 0.00 Cashback Bonus Balance $ 0.00 To learn more, log in at Discover.com Make Check payable to Discover Please fold on the perforation below, detach and return with your payment NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION P OYMent. C t Plpy 0"line = Account number ending in 8624 1 Please dcs not fold, dip or staple:, .Discover.com Minimum Payment Due $1,516.78 i' New Balance $1,516.78 Payment Due Date February 17, 2013 ERIC 5 HOLLOWELL .... ......... ... ... ........ 119 FARM RD Amount enclosed 5 NEWVILLE PA 17241-9508 PO BOX 6103 Q�.0 �q CAROL STREAM IL 60197 -6103 30196 rA,3 Internet payments must be received by 5PM ET in be credited as of the some day Address, e-mail or telephone changed? Note charges on reverse side. 0000019864534708108100 ],5167800020280151678 ERIC S .... HOLLOWELL Account number en i!1 in .. ...................... .....-......... .......... ...................................................... ................................ ............... ..................._9.._ ...... . 8624.................. ...... ... O en Dot e: Jn 1, 2013 • Close Date: Jan 22, 2 Pa e 2 of 4 Q ............... ........ ........... .............................. .._8............ ................. Important Information You must ensure that sufficient funds are available in your bank account, and See your Cordmember Agreement. Your Cardmember Agreement contains all transactions must comply with U.S. low. all the terms of your Account. You can set automatic payments for: (i) statement New Balance, (ii) statement Lost or stolen cards. Report immediately) Call 1- 800 - 347 -2683. Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) Other dollar amount. If your scheduled "Other dollar What To Do If You Think You Find A Mistake On Your Statement amount" payment is not enough to cover the Minimum Payment Due as listed If you think there is an error on your statement, write to us at: Discover, Pp on your monthly billing statement, your scheduled payment for that month Box 30421, Salt Lake City, UT 84130 -0421. You must write to us within 60 pa be increased to cover the Minimum Payment Due. If the scheduled days after the error appeared on your statement. You may call us, but if you pay is greater than the Minimum Payment Due, any excess will be do we are not required to investigate any potential errors, and you may have applied in accordance with your Cordmember Agreement. If your scheduled to pay the amount in question. The Billing Rights Notice further explains your payment is greater than the New Balance on your billing statement, that rights. A copy of this notice is available at www.Discover.com, 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 Payments. You may pay all or Pori of your Account balance at any time. billing statement based on credits or payments after the Close Date. Due Dote. Send ustlpay at least the Minimum Payment Due by the Payment If you enroll by phone in our automatic payment service, please fill -in the in the envelope pro vid d. Do y not sendcash. you pay h ck y st atement following blanks below and retain the authorization for your records . authorize us to use information on your check to make an electronic fund Amount: _ Full Pay "Min Pay Min Pay+ S 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 ! Other Amount$ ; Bank Routing #: as an electronic fund transfer, the transfer will be for the amount of the Bank Account # 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 Monthly on the !.... Payment Due Date Close Date day we receive your payment, and you will not receive your check back from (... Day of month (insert dote) your financial institution. The processing of your payment may be delayed if you send cash, Credit Reporting. We may report information about your Account to credit correspondence or other items with your payment, if you send the payment to bureaus. Late payments, missed payments, or other defaults a 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 payment history of your Account 10 credit reporting agencies each month. If 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 You believe that our report inaccurate or incomplete, please write 5 of the following address: Discover, Box at our processing facility after 5PM local time will be credited o your Account dr home to Wilmington, er d Account as of the next day. If you have misplaced your envelope, send your payment P lease clude your name, address, home telephone number and Account to Discover, PO Box 6103, Carol Stream, IL 60197.6103. Please allow 7.10 days for t rt o an a If ed on payym b e i 1 t is re unpaid, we reserve the right to 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 You con pay your monthly Minimum Payment Due, or a greater amount that will not charge you any interest on Purchases if you pay your entire balance does not exceed your current Account balance, over the telephone or you con by the due date each month. We will begin charging interest on Cosh setup automatic payments through a customer service representative by Advances and Balance Transfers as of the later of the Transaction Date or the calling 1 -800- 347 -2683. Automatic payments for the billing period shown first day of the billing period in which the transaction posted to your Account, on your statement will be deducted on the Payment Due Dote shown on that How We Calculate Interest Charges. We Use the Daily Balance Method 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) (including more informal o a call us at 1-800-347-2683 1 to Intest 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 Balance Subject to Interest Rate. Your statement shows o Balance Subject 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 to Interest Rate. It shows this for each transaction category . The Balance your bank account information. You will be asked to provide the last four (4) Subject to Interest Rate is the average of the daily balances during the billing digits of the social security number of the primary borrower. By providing period, 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 authorize, in the amount selected by you, from your bank account, You also on the front of your billing statement. A credit balance is money that is awed authorize us to initiate debit or credit entries to your bank account, as to you. You may make charges against this amount if your Account is open. applicable, to correct on error in the processing of such payment. You can We will send you a refund of any remaining balance of $1.00 or more after cancel o scheduled payment by phone at 1 - 800 - 347 - 2683 or by moil at 6 months, or as otherwise required by applicable low, or upon request made Discover, PO Box 30421, Salt Lake City, UT 84130.0421; however, we muss to the address in the Contact Us sect on on page 3 of your billing statement. receive notice at least three business days in advance of the scheduled payment. If your Discover representatives for q payments may vary in amount, we will tell you on each Discover may monitor and/ q record telephone calls between you and monthly billing statement when your payment will be made and how much it uality assurance purposes. will be. The Discover@ card is issued by Discover Bank, Member FDIC. TL23N CHANGE OF ADDRESS If correct on front, do not use. Please print clearly in blue or block ink, in the space provided. Street Address ' Home Phone ................ ............. ... ............................. ..... ..... ... . .................. ... .... I Work Phone I ....... .... .._ __......._............... _.._........_...................... ..................... .. _ ......................... _.... city Email ... ... ... ....... ........... 381bA43 I l To make changes to your address, email or telephone number, visit Discover.com Continued on next page. DISC VER Discover More Card Account number ending in 8624 Open Date: Jan 1, 2013 - Close Date: Jan 22, 2013 Page 3of4 CONTACT US .................... ............................... ............................................................... ............................... . Web I R Access our 1W Mobile Phone ® Inquiry Mail Payments Y M your o 1. 800 - DISCOVER account securely account count Discover Discover anytime, (1- 800 - 347 -2683) PO Box 30943 PO Box 6103 at Discover.com anywhere at TDD 1 -800- 347 -7449 Salt Lake City Carol Stream `. ..................... __ . ............................................... m Discover.com LIT 84130 IL 60197 -6103 Transactions __ ............ Trans. Date Post Date Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 0.00 .............. 13 Totals Year -to -Date _ .. TOTAL FEES CHARGED IN 2013 S 0.00 TOTAL INTEREST CHARGED IN 2013 S 0.00 Interest Charge Calculation Your Annual Percentage Rate )APR) is the annual interest rate on your account. Current Billing Period: 22 days TYPE OF ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO Purchases BALANCE (APR) o INTEREST RATE INTEREST CHARGE 22.9910 V $0.00 50.00 Cash Advances 24.99% V $0.00 S0.00 V= Variable Rate 30196643 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION ERIC S_HOLLOWELL AccounI number ending in 8624 Open Date: Jan 1, 2013 - Close Date: Jan 22, 2013 P ........ ........ aAe_4 of 4 30196643 DISC VER Discover More Card Account number ending in 8624 Open Date: Feb 23, 2013- Close Date: Mar 22, 2013 Cardmember Since 2011 ACCOUNT SUMMARY PAYMENT INFORMATION Pagel of j Previous Balance $1,516.78 New Balance $ 1 51 6.78 1 I Payments and Credits $0.00 Purchases f I Minimum Payment Due ' $0.00 Payment Due Date $1,516.78 Balance Transfers + $0.00 April 17, 2013 Cash Advances + $0.00 'Includes past due amount of: $458.00 1 Fees Charged $0.00 Late Payment Warning: If we do not receive your minimum payment by the Interest Charged + $0.00 1 1 date listed above, you may have to pay a late fee of up to $35.00 and your f New Balance $1,516.78 purchase and balance transfer APRs for new transactions may be increased up to th e Penalty eno APR of 27.99% variable. i See Interest Charge Calculation section following the 1 1 Minimum Payment Warning: If you make only the minimum payment each Transactions section for detailed APR information Credit Line period, you will pay more in interest and it will take you longer to pay off your SO balance. For example: Credit Line Available SO j If Ygt1 make tta addtftonal cAatges Yo4 windy of{ flip, And you will end up Cash Advance Credit Line usiriyttt!scgrdandeochv,1 fh bolcirccoshowrtthfs m 5 orteskf $0 t�py., matedfotal ybu. statemrfi�t4n on akiaut;,. PAY - Cash Advance Credit Line Available SO i Only the minimum payment 1 4 years $1,517 You may be able to ovoid 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® Anniv Month 1- 800 -347-2683 June _ _. .._._..._ _ ..... Opening Balance $ 0.00 See "Information For You' section for important information New Cashback Bonus This Period + $ 0.00 regarding Your Billing Rights. Redeemed This Period — S 0.00 .... .... . Cashback Bonus Balance $ 0.00 k To learn more, log in at Discover.com Make Check payable to Discover Please fold on the perforation below, detach and return with your payment NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Poyment Co �!� Pill of lmil- line Poy b Phone f Account number ending in ..... ............ 8624 Please d not fofd„ clip or sfapfo D..5ctt4erorri 1 800 34 2683 Minimum Payment Due $1,51618 l li,l`:.'I'I.�I I !III `IiL ; i II;! ! �! ;IIII;I!I il'; New Balance $1,51678' .. _._ ... ...... ... __ Payment Due Date Aril 17 2013 ' ERIC S HOLLOWELL - -- 119 FARM RD 1 Amount enclosed Is NEWVILLE PA 17241 -9508 PO BOX 6103 CAROL STREAM IL 60197 -6103 O� i61i�4�d 6c ,� 9 Internet payments must be received by 5PM ET to be credited as of the someday Address, e-mail or telephone changed? Note changes on reverse side 000001986453470810810015167800020280151678 ERIC S HOL LOWELL Account number ending in $ 624 . Open Date; Feb 23,,2013 - Close Date: Mar 22, 2013 Page 2 of 4 al Important Information You must ensure that sufficient funds are available in your bank account, and t termss o your Acc Account. .Your Cordmember Agreement contains all transactions must comply with U.S. law. Lost or stolen cards. Report immediately! Call 1.800- 347 -2683. You can set automatic payments for: N statement New Balance, (ii) statement What To Do If You Think You Find A Mistake On Your Statement dollar amount, or Other dollar amount. If yourr chedulled Other dolor If you think there is on error on your statement, write to us at: Discover, PO amount' payment is not enough to cover the Minimum Payment Due as listed Box 30421, Salt Lake City, UT 84130 -0421. You must write to us 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. If the scheduled do we are not required to investigate any potential errors, and you may have 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 : / /discover.com /billingrights for a copy of this notice. payment will be processed only for the amount of your New Balance. Your Pa menis. You ma p automatic payment amount may be less than the amount indicated on the Y y pay all or art of y our Account balance at any time. billing statement based on credits or payments after the Close Dote. 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 If you enroll by phone in our automatic payment service, please fill -in the in the envelope provided. Do not send cosh. 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 transfer from your account at the financial institution indicated on your check Amount: L Full Pay _ Min Pay Min Pay+ S or to process the payment as a check transaction. If a payment is processed Other AmountS Bank Routing #: as an electronic fund transfer, the transfer will be for the amount of the Bank Account # 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 on the Payment Due Date Date day we receive your payment, and you will not receive your check bock from your financial institution. _ Day of month (insert date) The processing of your payment may be delayed if you send cash, Credit Reporting . We may report information about your Account to credit correspondence or other items with your payment, if you send the payment to bureaus. Late payments, 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 ai our processing facility by 5PM local time payment history of your Account to credit reporting agencies each month. If on any day will be credited to your Account as of that day. Payments received you believe that our report is inaccurate or incomplete, please write us at the at our processing facility after 5PM local time will be credited to your Account followase in g address: Discover, PO Box 15316, Wilmington, DE 19850.5316. as of the next day. If you hove misplaced your envelope, send your payment Ple include your name, address, home telephone number and Account to Discover, PO Box 6103, Carol Stream, IL 60197.6103. Please allow 7.10 number. 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 Paying Interest. Your due dole is at least 25 days after the close of each credited as of the day of receipt if mode by 5 PM Eastern time. 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 You can pay your monthly Minimum Payment Due, or a greater amount that 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 con 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 on your statement will be deducted on the Payment Due Dote shown on that How We Calculate Interest Charges. We Use the Daily Balance Method 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 Dote or Close Date. If 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 day prior to the weekend or bank holiday. In order to to Interest Rate. It shows this for each transaction category. The Balance monthly payments by telephone, you will need this statement and Subject to Interest Rate is the average of the daily balances during the billing your bank account information. You will be asked to provide the lost four (4) period. digits of the social 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 account, as We will send you a refund of any remaining balance of 51.00 or more after applicable, to correct an error in the processing of such payment. You can 6 months, or as otherwise required by applicable low, or upon request made cancel a scheduled payment by phone at 1- 800 - 347 -2683 or by moil at to the address in the Contact Us section on page 3 of your billirg 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 assurance 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 Discover-®R card is issued by Discover Bank, Member FDIC. TL23N will be. CHANGE OF ADDRESS ....... If correct on front, do not use. Please print clearly in blue or block ink, in the space provided. Street Address ... Home Phone ..... Work Phone City Email ... ........ l 3343 ...... _ l To make changes to your address, email or telephone number, visit Discover.com Continued on next page. DISC VER Discover More Card Account number ending in 8624 Open Date: Feb 23, 2013 - Close Date: Mar 22, 2013 Page 3 of 4 CONTACT US ........................................................................................... ............................... . < Web A Mobile Phone 9 . Y account securel I V- y Discove�menis Access your Manage your Q 1 -800- DISCOVER P Bver r Dio I Y account anytime, (1 800 - 347 - 2683► Q ox 30943 PO Box 6103 at Discover.com anywhere at TDD 1 -800- 347 -7449 m.Discover.com Salt Lake City Carol Stream UT 84130 IL 60197.6103 ransatttons _ -- Trans. Date Post Date ................ Fees _ _ ............... TOTAL FEES FOR THIS PERIOD S . _...... 0.00 . . . . ... _ . . ............... . ............. . . . . . .................. . . . . . . . .................... . . . . . . . . . . . . . . . . . . . . . Interest urged TOTAL INTEREST FOR THIS PERIOD $ 0.00 2013 Totals Year -to -Date TOTAL FEES CHARGED IN 2013 $ TOTAL INTEREST CHARGED IN 2013 0.00 Interest Charge Calculation $ 0.00 Your Annual Percentage Rate (APR) is the annual interest rate on your account, Current Billing Period: 28 days TYPE OF BALANCE ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO Purchases (APR) INTEREST RATE INTEREST CHARGE Cash Advances 22.99% V $0.00 50.00 24.99% V $0.00 50.00 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 l„ f, You ,_Find._AMis Y. ur._Siatemenl If you think there is an error on your stotement, write to us of: 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. Descripion.,of_pro6lem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is o mistake. You must contact us: Within 60 days after the error appeared 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,wri.ti_ng. 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 on 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,_m I stake; 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 1he..re wqs a_ mi 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. 39 196643 you receive our explanation but still believe your bill is wrong, you must write to us within 10 cloys telling us that you still refuse to pay. If you do so, we NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION ERIC 5 HOLLOWELL Account number ending in 8624 ..... . ... . .... mb r ... . ....... . . . ............ — . ..... 3 - Date: Mar 22, 2013 Page 4 of 4 .. . ..... . . ......... . ....... Information For You ... Continued cannot report you as delinquent without also reporting that yo are questioning your bill. We must tell You the name of anyone to whom we reporled you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow a ll of the rules above, You do not have to pay the first S50 of f he amount you question even if your bill is correct. Your Rights If You Are Dissatisfied With Your Cr Cord 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 home state or within 100 miles of your current moiling 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 cord for the purchase. Purchases mode with cash advances from an ATM or with a check that accesses your credit card account do not qualit 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 g at Discover us in wr PO Box 30945 Solt Lake City, LIT 84130-0945 While we investigate, the some rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not Pay, we may report you as delinquent. 30196643 DISC New Balance Minimum Payment Due Account Number ending in 8624 VER� $ 1,516.78 $320.00 Enter Amount Enclosed Below PaymentDue'Date --- — January 2, 2013 Please make check payable to Discover Card miimmum payment plus the overlrm�t l amount of $51678 ERIC S HOLLOWELL 1 19 FARM RD NEWVILLE PA 1 724 1 -9508 PO BOX 71 084 Address, e-mail or telephone change, CHARLOTTE NC 28272 -1084 Go to www. Discover, cam or print change in space above 0000019864534708108100 Opening Date: November 6, 2012 - Closing Date: December 5, 2012 page 1 of 2 F din Card Account Summary Payment Information New Balance $1,51678 ending in 8624 Minimum Payment Due' $320 00 Payme nt Due Date January 2, 2013 $1,489 Sb 36 00 redits ' Includes past due amount of $276 00 + 000 Late Payment Warning: If we do not receive your minimum Balance Transfers + 000 payment by the date listed above, you may have to pay a late Cash Advances + 000 fee of up to $35 00 and your purchase and balance transfer Fees Charged + 3500 APRs for new transactions may be increased up to the Penalty Interest Charged + 28 28 APR of 27 99 :variable New Balance $1,51678 See Interest Charge Calculation section following Minimum Payment Warning: If you make only +he minimum transactions for detailed APR information payment each period, you will pay more in interest and it will Credit Line take you longer io pay off your balance For example $1,000 00 If you make no Gedn Line Available y You will pay off the And you "11 end $0 00 oddition if charges balance shown on up paying an Cash Advance Credr Line $300 00 using this cord and flit; ssa ?emenf m estimated total of,. Cash Advance Cieclit Lme Available $0 00 month th ou a y a y p t You may be able to avoid Interest Charges, see Additional Only the minimum ?years $2 Important Information for details Payment ent If you would like information about credi- counseling services. Anniversary Month FNew,Coshbock Bonus' call 1- 800.347 -1121 June shbock Bonus Balance $ 000 Bonus This Period + 0 00 nus Balance $ 0.00 T<, iri,�•- mine i. ,;nwww.Discover.com 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com I Access your account securely of www.Discover,com 2 Call I. 800 - DISCOVER (1- 800347 -2683) Access free online tools tike vn Planner t crease a plan Please have your Discoverir -card available i day down your balance, secureecurell y access statements, pay 3 Write -.a us a* Discover, PO Box 30943, blls online and easily track all transactions 5alt Lake City, UT 84130 (Not a payment address) Make your money worth moie-�`r' -- find easy wa Ys to earn For payments, please send to address on remittance or and redeem cash rewards Discover, PO Box 6103, Carol Stream, IL 60197.6103 NEWT For TDD (Telecommunications Device for the Deaf) mobile phone your account securely through your assistance, please call 1- 800 - 347 -7449 Transactions Trans. Post Date Date Payments and Credits Nov 30 Nov 30 PHONE PAYMENT - THANK YOU Dec I Dec 1 PHONE PAYMENT - THANK YOU $ -31200 Dec 5 Nov 30 RETURNED PHONE PAYMENT -3600 31200 Fees Dec 2 Dec 2 LATE FEE $ 35 00 TOTAL FEES FOR THIS PERIOD 35.00 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 rnar:ths of downloadable. password protected statements • See your statement as soon as it's available rather than wa t 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 of Discovercom /paperless Iii .,rosr hunt: rawihe tiif. -- -- ._ P:nPEH U7IV Transactions (cont.) Dates' Date Interest Charged INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES $ 28 28 INTEREST CHARGE ON BALANCE TRANSFERS 0 00 000 2012 Totals Year -to -Date TOTAL INTEREST FOR THIS PERIOD 28.28 TOTAL FEES CHARGED IN 2012 $ 40000 TOTAL INTEREST CHARGED IN 2012 25670 30196643 Questions? Visit www.Di$Cover.com or Call 1- 800- DISCOVER (1 -800- 347 - 2683). DISCOVER DISC VER It pays to ERIC 5 HOLLOWELL DISC VER Account number ending in 8624 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 ANNUAL PERCENTAGE BALANCE SUBJECT TO RATE (APR( INTEREST RATE INTEREST CHARGE Purchases 22 99'; V $1,497 17 Cash Advances 24 99% V $0 $28 28 $0 V = Venable Rate Additional Important Information See your Cordmember Agreement. Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report immediatelyt Call 1.800.347.2683, What To Do If You Think You Find A Mistake On Your Statement i f you think there is an error on your statement, write to us at Discover, PO Box 30421, Salt Lake City, UT 84130 -0421 n your letter, give us the foflc,wing information Account inforrration Your name and account number Doliar arrouiv The dollar amount of the suspected error Descnpnon of Prob'em If you think there is an error on your bill, describe what you believe is wrong and why you believe t 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 .n 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 to o determine that amount chat we made a mistake, you will not have to pay the amount in question or any interest or other fees reloied 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 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 advenisement we mailed to you , or if we own the company that sold you the goods or services 1 2 YOU must have used your credit card for the purchase Purchases made with cash advances from an ATM or with o 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 84 130-0945 While we investigate, the same rules apply to the disputed amount as discussed above After we finish our investigation, we will fell 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 hom 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 institution The Processing of your payment may be delayed f you send cash, correspondence or other items with your payment, if you end the payment io any ocher address or f you use an envelope other than the one provided Payments received in proper form of our processing Facility by 5PM local time on any dayy will be credded ho your Account as of that day Payments received at our processing faci6ly after SPM local time will 6e credited to your Account as of the next day If you h ave misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197.6103 Please allow 7•)0 days for delwery If your payment is returned Unpaid, we reserve the 'Slit to resubmit d as an electronic debit 30196643 NOTICE SEE REVERSE SIDE fOR IMPORTANT INFORMATION DISCOVER: You can pay your monthly Minimum Payment Due, of 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 will be deducted on the Payment Due Date unless you request a recurring payment dale (e 9 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 o schedule monthly payments b telephone will need this statement and your bank account information You will be asked to provide ike last four (4 digit, , y d git of the social security number of the primary borrower By rovidmg those numbers as Your gnature, you will be agreeing to this authorization to allow us and your bank to deduct each pa meni electronic si you authorize, in the amount selected by you, from your bank account You also authorize us to initiate debit or credit enh ies to your bank account, as applicable, o correct an 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 fake City, UT 84130-042 1, 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, (u) statement Minimum Payment Due, (m) statement Minimum Payment Due plus a fixed dolls amount, or pv) a fixed dollar amount If your scheduled fixed payment is not enouggh o cover t the Minimum Payment Due as Itsted on your monthly billing - tatemew, your scheduled payment for that month will be Increased 10 cover the Minimum Payment Due If the scheduled payment is greater than the Minimum Payment Due, any excess will be oppplied in accordance with your Cardmember Agreement 11 your scheduled payment is greater than the New Balance on your bit in statement, that payment will be processed onl for the amount of your New Balance Your automatic payment amount maybe less than the omounr indicated on the periodic statement based on credits or payments after die 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 I _ Min Pay 1__.J Min Pa Y + $ _.._....., r l Fixed Pay$--- .._._._�__. -_... 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 narmclly report the status and payment history of your Account to credit reporting agencies each month If you believe that our report is inaccurate or mcomptete, please write us at the following address Discover, PO Box 15316, Wilmington, DE 14850.5316 Please Indicate your name, address, home telephone number and Account number Paying Interest e W begin to impose interest charges on a transaction, Fee or interest charge from -he 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 Cashh 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 currant 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 hgurmg the "daily balance" for each Transaction Category Transaction Categones include standard Purchases, standard Cash Advances and diffaren-, promotional balances. such as Balance Transfers How We figure the Daily Balance for Each Transaction Category We start with the be inning balance for each day The bagmning 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'he 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 duly p eriodic rate Vile do this For each day in he bitting period This gives us the imeresf charges For each Transaction Category To get a daily periodic rote, we divide -lie 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 Now 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 srandaid 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 -hot 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 TO (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 is issued by Discover Bank, Member FDIC RL:tiiiUU I 30196643 Questions? Visit www.Djscover.com or call 1- 800- DISCOVER (1 -800- 347- 2683). DISCOVER DISC VER Discover More Card Account number ending in 8624 Open Date: Mar 23, 2013- Close Date: Apr 22, 2013 Cardmember Since 2011 Page 1 of 4 A CCOUNT SUMMARY P AYMENT INFORMATION Previous Balance $1,516.78 New Balance $1,516.78 Payments and Credits — $0.00 Minimum Payment Due $1,516.78 Purchases + $0.00 Payment Due Date May 17, 2013 Balance Transfers + $0.00 ' Includes post due amount of: $504.00 Cash Advances + $0.00 Fees Charged + $0.00 Late Payment Warning: If we do not receive your minimum payment by the Interest Charged + $0.00 date listed above, you may have to pay a late fee of up to $35.00 and your New Balance $1,516.78 purchase and balance transfer APRs for new transactions may be increased up to I the Penalty APR of 27.99% 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 it will take you longer to pay off your I Credit Line SO i balance. For example: Credit Line Available $0 {fYgU tnadifiongl c�atg ly shown flay of {thy Andyolwilletid up ke npd es u5tng tIV cprd and tnn;lhfi yiny m city e s#ivtec fatal Cash Advance Credit Line $0 j you,poy.,, atatemenF'tnabout: 6f.,, Cash Advance Credit Line Available SO 1 Only the minimum payment 1 4 years $1,517 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 CaShbQCk Bonus® Anniversary Month 1- 800 -347 -2683 j June - Opening Balance S 0.00 ! New Cashback Bonus This Period + S 0.00 Redeemed This Period — S 0.00 ..... .. ... .. ... .. ............. .............................._.. ...................._.......... Cashback Bonus Balance $ 0.00 To learn more, log in at Discover.com i Poke Check payable to Discover NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Please fold on the perforation below, detach and return with your payment ... Pgymett? Co upon . day Caln� da b P, hone AC en din g n count number en 8624 f'1easior d6 n4t fold, Oijp: or staf to Dtscaver >corn 1.900.347 2683 _...., I Minimum Payment Due $1,516.78 :� �Il 1111:' III. III. I'I 'ill 'I�I!.II�III:'l New Balance $1,516.78 lll 111 Payment Due Date May 17, 2013 ERIC S HOLLOWELL 119 FARM RD (Amount enclosed (S NEWVILLE PA 17241 -9508 PO BOX 6103 CAROL STREAM IL 60197 -6103 3019664& Internet payments must be received by 5PM ET to be credited as of the someday Address, e-mail or telephone changed? Note changes on reverse side 000001986453470810810015167800020270151678 ERIC S HOLL.OW. ..E.L...L Account number endin ..@. in 8624 O en Dote Mar 23 2013 Close Date: Apr 22, 2013 Page 2 of 4 ......................................................................................... ................................................................................................................................ ....... P........ ....... ............:................_. Important Information You must ensure that sufficient funds are available in your bank account, and See your Cardmember Agreement. Your Cardmember Agreement all transactions must comply with U.S. low. contains all the terms of your Account. Lost or stolen cards. Report immediately! Coll 1- 800 - 347 -2683. You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement 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. You must write to us 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 Poyment Due. If the scheduled t o are not required investigate any potential errors, and you may have payment is greater than the Minimum Payment Due, any excess will be to pay ay the amount in quea stion. The Billing Rights Notice further explains your applied in accordance with your Cardmember Agreement, If your scheduled rights. Please see your Cardmember Agreement or visit payment is greater than the New Balance on your billing statement, that https: / /discover.com /billing rights for a copy of this notice, payment will be processed only for the amount of your New Balance. Your Pa menis. You mo automatic payment amount may be less than the amount indicated on the Y y pay all or part of your Account balance at anYY time. billing statement based on credits or payments after the Close Dote. However, you must pay at least the Minimum Payment Due b the f aYment Dut Date. Send only your ppayment and the bottom portion 41 statement If you enroll by phone in our automatic payment service, please fill - i followin n the in t e envelope prodded. Do not send cash. If you pay by check, you authorize us to use information on your check to make an electronic fund g blanks below and retain the authorization for _ your records. transfer from your account of the financial institution indicated on your cheek Min Poy+ S or to process the pa ment AAs a check I section. If a payment is processed Amount: Full Pay El Min Pay as an electronic fund tronster, the transfer will be for the amount of the check. When we use information from your check to make an electronic fund Other Amounl5 Bank Routing #: transfer, funds may be withdrawn from your account as soon as the same Bank Account # day we receive your payment, and you will not receive your check bock f your financial institution. oc from Monthly on the'...' Payment Due Date Close Date The processing of your payment may be delayed if you send cash, �. Day of month (insert dale) 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. Credit Reporting. We may report information about your Account to credit Payments received in proper form of our processing facility by 5PM local time bureaus. Late payments, missed payments, or other defaults on your Account on any day will be credited to your Account as of that day. Payments received may be reflected in your credit report. We normally report the status and at our processing facility after 5PM local time will be credited to your Account payment history of your Account to credit reporting agencies each month. If as of the next day. If you hove misplaced your envelope, send your payment you believe that our report is inaccurate or incomplete, please write us at the to Discover, PO Box 6103, Carol Stream, IL 60197.6103. Please allow 7.10 following address: Discover, PO Box 15316, Wilmington, DE 19850 -5316. days for delivery. If your payment is returned unpaid, we reserve the right to Please include your name, address, home telephone number and Account resubmit it as an electronic debit. Payments mode online or by phone will be number. credited as of the day of receipt if mode by 5 PM Eastern time. You can a Paying Interest. Your due date is at least 25 days after the close of each p ay your monthly Minimum Payment Due, or a greater amount that billing period (at least 23 days for billing periods that begin in February). We does not exceed your current Account balance, over the telephone or you con will not charge you any interest on Purchases if you pay your entire balance setup automatic payments through a customer service representative by by the due date each month. We will begin charging interest on Cash calling 1- 800 - 347 -2683. Automatic payments for the billing period shown Advances and Balance Transfers as of the later of the Transaction Dote or the on your statement will be deducted on the Payment Due Date shown on that first day of the billing period in which the transaction posted to your Account. statement, or the next automatic payment date referred to on your statement, unless you request a recurring pay ment date (e.g., the 15 " day of the month) How We Calculate Interest Charges. We Use the Daily Balance Method that occurs before your Payment Due Dote or Close Dote. If your scheduled (including current transactions) to calculate the Balance Subject to Interest payment dale falls on o weekend or bank holiday, your payment will be Rate. For more information, please call us at 1 -800- 347 -2683. 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 Balance Subject to Interest Rate. Your statement shows o Balance Subject your bank account information. You will be asked to provide the last four (4) to Interest Rate. It shows this for each transaction category. The Balance digits of the social security number of the primary borrower. By providing Subject to Interest Rate is the average of the daily balances during the billing those numbers as your electronic signature, you will be agreeing to this period. 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 Credit Balances. If your Account has a credit balance, the amount is shown authorize us to initiate debit or credit entries to your bank account, as on the front of your billing statement. A credit balance is money that is owed applicable, to correct an error in the processing of such payment. You con to you. You may make charges against this amount if your Account is open. cancel a scheduled payment by phone at 1- 800 - 347 -2683 or by mail at We will send you o refund of any remaining balance of 51.00 or more after Discover, PO Box 30421, Solt Lake City, UT 84130 -0421; however, we must 6 months, or as otherwise required by applicable low, or upon request mode receive notice of least three business days in advance of the scheduled to the address in the Contod Us section on page 3 of your billing statement. payment. If your payments may vary in amount, we will tell you on each Discover may monitor and /or record telephone calls between you and monthly billing statement when your payment will be made and how much it Discover representatives for quality assurance purposes. will be. The Discover®R card is issued by Discover Bank, Member FDIC. TL23N CHANGE OF ADDRESS If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. S treet Address Home Phone ........... ............... . ....... ... .... .. ., ...... .. _ ............... ........... .. ...__......... Work Phone .. _I City Email .. . _ ........ ...... ....... .... 3MA 43 ._...... _ .........._ . _... To make changes to your address, email or telephone number, visit Discover.com Continued on next page DISC VER Discover More Card Account number ending in 8624 Open Date: Mar 23, 2013 - Close Date: Apr 22, 2013 Page 3of4 CONTACT US 1 0 Web Aft Mobile Phone Inquiry Moil Payments Access your Manage your 1- 800 - DISCOVER 0 Discover 0 Discover f account securely account anytime, (1 -800- 347 -2683( PO Box 30943 PO Box 6103 at Discover.com anywhere at TDD 1- 800 - 347 -7449 Salt Lake City Carol Stream m.Discover.com U 84 130 IL 60197 -61 Transactions Trans. Date Post Date ....................... ... .. .............. ................ ...... ............. .... _ .. ._...... _.... _._.. .. . Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 0.00 2013 Totals Year -to -Date TOTAL FEES CHARGED IN 2013 S 0.00 TOTAL INTEREST CHARGED IN 2013 $ 0.00 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 22.99%n V $0.00 $0.00 Cash Advances 24.99% V $0.00 $0.00 V= Variable Rate Information For You For more information about how interest charges are calculated see your Cardmember Agreement or go to www .discover.com /interestcharges ............... . ._ .......... ......__.. .......................... ......... ......... .......... .. ........ _... ....._- _....... 30196643 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION ERIC „HOLLOWELL ._....... _ ............... ................Account_.number ending in 6 624 Open Date: Mar 23, 2013 - Close Dole: Apr 22, 2013 Po e 4 of 4 8 ............ 30196643 VERIFICATION (Name) (Title) - - 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 a/.141 f lZ( ture A— � L�i�i (Si ) DB Servicing Corporation servicing affiliate For Discover Bank SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny RAnderson t -L} Sheriff ,s,1,, of etuuLy Jody S Smith o 44 Chief Deputy a 201411AR 12 PH 2: 43 Richard W Stewart Solicitor =, E C#JP'1BtlNLfYND l;Nulu i '`' EN SYLV Al; A Discover Bank Case Number vs. Eric S Hollowell 2014-1220 SHERIFF'S RETURN OF SERVICE 03/06/2014 01:20 PM- Deputy William Cline, being duly sworn according to law, served the requested Complaint& Notice by"personally" handing a true copy to a person representing themselves to be the Defendant, to wit: Eric S Hollowell at 119 Farm Road, Penn Township, Newville, PA 17241. `y 4 - i. A / WIL#AM LINE, DEP SHERIFF COST: $41.56 SO ANSWERS, March 07, 2014 RONIV ANDERSON, SHERIFF DISCOVER BANK Plaintiff VS. ERIC S HOLLOWELL TO THE PROTHONTARY: nLEO-OF HOE OF THE PROTHONOTARY IN THE COURT OF COMMON PLEAS 20I4APR 28 PM 1:52 CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CUMBERLAND COUNTY PENNSYLVANIA Civil Action No, 14-1220 CIVIL PRAECIPE FOR DEFAULT JUDGMENT Kindly enter Judgment against the Defendant ERIC S HOLLOWELL above named, in the default of an Answer, in the amount of $1490.36 computed as follows: Amount claimed in Complaint Less payments / adjustments made Attorney's fees TOTAL $1490.36 $0.00 $0.00 $1490.36 I hereby certify that appropriate Notices of Default, as attached have been mailed in accordance with PA R.C.P. 237.1 on the dates indicated on the Notices. WELTMAN, WEINBERG & REIS CO., L.P.A. By: William'T. M czan, 4 7 30196643 C A Pit SJS Plaintiff's address is: c/o WELTMAN, WEINBERG & REIS CO., L.P.A., 436 7th Ave Ste 1400 Pittsburgh PA 15219-1827 And that the last known address of the Defendant is : ERIC S HOLLOWELL 119 FARM RD NEWVILLE, PA 17241 73tG7 grfk3o 074 tk,e- IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff VS. ERIC S HOLLOWELL Defendant TO; ERIC S HOLLOWELL 119 FARM RD NEWVILLE, PA 17241 -9508 Date of Notice: Case No. 14 -1220 CIVIL IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS, YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE, IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA, 17013 (717) 249 -3166 WELTMAN, WEINBERG & REIS CO., L.P.A. By: James C. rmbrodt P.A.I.D.# •24 WELTM , WEINBERG & REIS CO., L.P.A. 436 7th e Ste 1400 Pittsbu g , PA 15219 Phon: A(412) 434 -7955 (412 38 -7130 301 6643 A PIT M4Z DISCOVER BANK Plaintiff VS. ERIC S HOLLOWELL IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION Civil Action No. 14-1220 CIVIL NON-MILITARY AFFIDAVIT The undersigned is the duly authorized agent and/or attorney for the Plaintiff in the within matter and states as follows: Affiant states that the within Affidavit is made pursuant to and in accordance with the Servicemembers' Civil Relief Act (SCRA), 50 U.S.C. App. 521. Affiant further states that based upon investigation it is the affiant's belief that the Defendant, ERIC S HOLLOWELL is not in military service. Affiant further states that this belief is supported by the attached certificate from the Defense Manpower Data Center (DMDC), which states that the DMDC does not possess any information indicating that the below individual is in the military service: ERIC S HOLLOWELL 119 FARM RD NEWVILLE, PA 17241 Affiant further states that the averments contained herein are true and correct to the best of Affiant's knowledge, information and belief and that these averments are made subject to the penalties of 18 Pa C.S.A. Section 4904 relating to unsworn falsification to authorities. I I I I I I I I I I I I I I I I I I I I I I I I I I I I I I I I I I I i ilionii1111111111111111111111111111111111111111111111111 IIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIII111 Department of Defense Manpower Data Center Last Name: HOLLOWELL First Name: ERIC Middle Name: Active Duty Status As Of: Apr -21 -2014 Results as of : Apr -21 -2014 08:36:53 AM Civil lief Act SCRA 3.0 On Active Duty On Active Duty Status Date Active Duty Start Date Active Duty End Date Status Service Component NA �,. -,,�r NA? rizi r'.J✓" . ;' ,/,.r .4{1C±'-.rt,.ti . +w .. Na NA acivd tae`r \ This response re0ects he lndi duals. active duty orr the Act've Duty Sr tus Date ct. Left Active Duty Within 367 Days of Active Duly Status Date Active Duty Start Date Active Duly End Dale Status Service Component NA 1 t(t^�-�' !�LA_.._'* -T� pia: :JO F7No -'.- IV iI NA This response reflects L ere the indtvtiSuel left ectiJeXM staty;twithln 367 days preceding thei Active d,ly Status Date The Member or His/Her Unit Was Notified of a Future Call-Up to Active Duty on Active Duty Status Date Order Notification Start Date Order Notification End Data Status Service Component NA '‘ ♦\ NA'} •. '�, p f .- .:+act `s; t1 ' .�:e it' NA This response re flects whethe the itttifvld ox tiisther'vnk tree nl�ived 8aif lift a nfo report for active duty Upon searching the data banks of the Department of Defense Manpower Data Center; based on the information that you provided, the above is the status of the individual on the active duty status date as to all branches of the Uniformed Services (Army, Navy, Marine Corps, Air Force, NOAA, Public Health, and Coast Guard). This status includes information on a Servicemember or his/her unit receiving notification of future orders to report for Active Duty. Mary M. Snavely- Dixon, Director Department of Defense - Manpower Data Center 4800 Mark Center Drive, Suite 04E25 Arlington, VA 22350 The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense (DoD) mat maintains the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the official source of data on eligibility for military medical care and other eligibility systems. The DoD strongly supports the enforcement of the Servicemembers Civil Relief Act (50 USC App. § 501 et seq, as amended) (SCRA) (formerly known as the Soldiers' and Sailors' Civil Relief Act of 1940). DMDC has issued hundreds of thousands of does not possess any information indica ng that the individual is currently on active duty" responses, and has experienced only a small error rate. In the even the individual referenced above, or any family member, friend, or representative asserts in any manner that the individual was on active duty for the active duty status date, or is otherwise entitled to the protections of the SCRA, you are strongly encouraged to obtain further verification of the person's status by contacting that person's Service via the ^uefenvonnx.mx^unL:»«v:/xwvw.00feneannk.mmmq/pis/pcnoaLon.mm|. If you have evidence the person was on active duty for the active duty status date and you fail to obtain this additional Service verification, punitive provisions of the SCRA may be invoked against you. See suuSo App. 6nz1(c). This response reflects the following information: (1) The individual's Active Duty status on the Active Duty Status Date (2) Whether the individual left Active Duty status within 367 days preceding the Active Duty Status Date (3) Whethe the individual or his/he unit received early notification to report for active duty on the Active Duty Status Date. More information on "Active Duty Status" Active duty status as reported in this certificate is defined in accordance with 10 USC § 101(d) (1). Pnorto 2010 only some of the active duty periods less than 30 consecutive days in length were available. In the case of a member of the National Guard, this includes service unde a call to active service authorized by the President or the Secretary of Defense under 32 USC § 502(f) for purposes of responding to a national emergency declared by the President and supported by Federal funds. All Active Guard Reserve (AGR) members must be assigned against an authorized mobilization position in the unit they support. This includes Navy Training and Administration of the Reserves (TARs), Marine Corps Active Reserve (ARs) and Coast Guard Reserve Program Administrator (RPA5). Active Duty status also applies to a Uniformed Service member who is an active duty commissioned officer of the U.S. Public Health Service or the National Oceanic and Atmospheric Administration (NOAA Commissioned Corps). Coverage Under the SCRA is Broader in Some Cases Coverage under the SCRA is broade in some cases and includes some categories of persons on active duty for purpose of the SCRA who would not be reported as on Active Duty under this certificate. SCRA protections are for Title 10 and Title 14 active duty records for all the Uniformed Services periods. Title 32 periods of Active Duty are not covered uyanRA.ax defined in accordance with 1ousc01o1(u)(1). Many times orders are amended to extend the period of active duty, which would extend SCRA protections. Persons seeking to rely on this website certification should check to make sure the orders on which SCRA protections are based have not been amended to extend the inclusive dates of service. Furthermore, some protections of the SCRA may extend to persons who have received orders to report for active duty or to be inducted, but who have not actually begun active duty or actually reported for induction. The Last Date on Active Duty entry is important because a number of protections of the SCRA extend beyond the last dates of active duty. Those who could rely on this certificate are urged to seek qualified legal counsel to ensure that all rights guaranteed to Service members under the SCRA are protected WARNING: This certificate was provided based on a last name, SSN/date of birth, and active duty status date provided by the requester. Providing erroneous information will cause an erroneo s certificate to be provided Certificate ID: M9IBIBBOEOICIEO DISCOVER BANK Plaintiff VS. ERIC S HOLLOWELL IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION Civil Action No. 14-1220 CIVIL NOTICE OF JUDGMENT OR ORDER TO: ( ) Plaintiff (xx) Defendant ( ) Garnishee You are hereby notified that the f was entered against you on r of Judgment (xx) Assumpsit Judgment in the amount of $1490.36 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 ( ) Court Order ( ) Non-Pros ( ) Confession (xx) Default ( ) Verdict ( ) Arbitra ERIC S HOLLOWELL 119 FARM RD NEWVILLE, PA 17241 Prothonotary Plaintiff's address is: c/o WELTMAN, WEINBERG & REIS CO., L.P.A., 436 7th Ave Ste 1400 Pittsburgh PA 15219-1827 (412) 434-7955