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Home My WebLink About05-4182 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff No: oS -I-f/!d-.- CI~tL~f;LYVJ vs. COMPLAINT IN CIVIL ACTION RHONDA L STRAWSER Defendant FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: James C. Warmbrodt,42524 WELTMAN, WEINBERG & REIS CO., L.P.A. 436 Seventh Avenue, Suite 2718 Pittsburgh, PA 15219 (412) 434-7955 FAX: 412-338-7130 04136960 C A pit KMJ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff Civil Action No c&--I/IPJ. d(.)~t-r~ vs. RHONDA L STRAWSER 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, is a corporation with offices at 3311 MILL MEADOW DR. HILLIARD , OH 43026 . 2. Defendant is adult individual(s) residing at the address listed below: RHONDA L STRAWSER 322 6TH ST NEW CUMBERLND, PA 17070 3. Defendant applied for and received a credit card issued by Plaintiff bearing the account number 6011002290579192 . A copy of Plaintiff's Statement of Account s attached hereto, marked as Exhibit "A" and made a part hereof. 4. Defendant made use of said credit card and currently has a balance due and owing to Plaintiff, as of August 07, 2005 , in the amount of $4388.30 . 5. Defendant is in default by failing to make payments when due. 6. Plaintiff avers that the Agreement between the parties provides that Defendant will pay Plaintiff's attorneys' fees. 7. Plaintiff avers that such attorneys' fees will amount to $500.00 . 8, Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and/or refused to pay the balance due to Plaintiff. Wherefore, the Plaintiff prays for Judgment in its favor and against Defendant, RHONDA L STRAWSER ,individually, in the amount of $4388.30 with interest at the legal rate of 6.000% per annum from date of judgment plus attorneys' fees of $500.00 , and costs. W rmbrodt,42524 , WEINBERG & REIS CO., L.P.A. eventh Avenue, Suite 2718 Pi t burgh, PA 15219 1 ) 434-7955 : 412-338-7130 136960 C A Pit KMJ This law firm is a debt collector ttempting to collect this debt for our client and any information obtained will be used for that purpose. DlSCCVER' ./ CARD new balance $0.00 minimum paymerlt due $709.00 $1 .ro;wnf number 6011 0022 9057 9192 enter amount enclosed below payment due date May 29, 2002 30 SDSN6Ao1 0000424 RHONDA L STRAWSER 322 6TH ST NEW CUMBERLND PA 17070-1916 Reduce Your Health Care Expenses by up to 50% with PlanPlus. To learn more, call 1-800-5.27-7783 or visit Discovercard.com/PlanPlus. PO BOX 15Z51 11I...".....","...1"'" WILMINGTON DE 19886-5Z51 Illflll,I'IIIII.IIIIIIIIIIII,I"II,I,I,I.'III'1111111111I.1,,1 Address or telephone change? Please plim change in the space above, or go to DiscDvercard. com. 000006011002290579192000000000000000070900 Discover Card Account Summal'Y Closing Date: April 30, 2002 page 1 of3 previous balance $4,388,30 account number 6011 0022 9057 9192 payments and credits 4,388,30 payment due date May 29, 2002 purchases + 0.00 minimum payment due $709.00 cash advances + 0.00 credit limit $4,000.00 credit available $0.00 balance transfers + 0,00 9ash credit limit $2,000.00 FINANCE CHARGES + 0,00 cash credit available $0.00 new balance = $0,00 Cashback Bonus" Cashback Bonu.s@ Anniversary Date: February 26 Previous Cashback Bonus Award Balance Purchase Award This Period Other Awards This Period Cashback Bonus Award Total $ + + 0.00 0.00 0.00 0.00 Transactions trans. post dale date pre"lous statement balances FINANCE CHARGES: OLD BALANCE FINANCE CHARGES: CASH FINANCE CHARGES: PURCHASES FINANCE CHARGES: BALANCE TRANSFERS PRINCIPAL: OLD BALANCE PRINCIPAL: CASH PRINCIPAL: PURCHASES PRINCIPAL: BALANCE TRANSFERS tran date Apr30 post date Apt 30 INTERNAL CHARGE-oFF EXHIBIT A $ 0.00 0.00 737,94 0.00 0,011. 0.00 3,650,36 0.00 -4,388,30 ""~~_- .--.> ~"n.."'~n ~_~" '_' ~"'rl;'i"n,,1 infnrm;>t!/on n"..tl.....~ ""'1 t_Rl\l\_n'llrn~D/t_Rlln_<UI"_?IU:I'" ...1........ t.. nq...............ot ....... " <r :...j .~.:;~~~.ki:>;~L;;~aiMl~~~;E~;1~d~f:;J . -.:' - .-, .: -~" ";"~"":/ ';.~~::~_..:'r:i.;.~I-;~~~~f.~'t~~ -,'1 -::- .:.,.. '''''e<' '-"_'~~_<' ,....._.~. ,.__ ~ ,.......- .~. .. ,"--' ....,~_._.... . ...,--~ 'L:'~1 'j !' DlsCeVER" CLASSIC j I IMPORTANT INFORMATION ABOUT YOUR ACCOUNT CARDMEMBER AGREEMENT The terms a.nd conditions of your Account including how we calculate fin.ance charges, Dur fees. at"ld !In Arbitration of Disputes section. You have the right to reject the arbitration provision with respect to your new Account within 3D days after re<eiving your Card, as explainf!d in the "Acceptance of Agreement.. section. ., . .. .. ., . .. , . " .. ,.. .. SEE PAGES 7 . 14 F'RIVACY POLICY A summary of the personal information we collect. when it may be shared with others. and how we safeguard the confidentiality anq, security of information. You may Jim;t our sharing of svch information with others,.. , . .... SEE PAGES '4. 17 BIWNG RIGHTS 1mportant information about your rights and our responsibilities under the Fair credTt Billing Act .. .. , , ., ... ,.. ... .. .. . , .... ,..... . SEE PAGE.> 17. 13 CASH BACK BONUS' TERMS AND CONDITIONS Tnt! terms and conditions of the Cash back Bonus. award program, including! description of ho...... your award is calculated and how to re-deem it. . . . . . . . . . , ....... .. , '.. .. , . , ' .. , .. .... SEE PAGE.> 19.21 DESCRlmON OF COVERAGE The terms and conditioN of the 5cneduled Air Travel Accident Insurance that is provided at no charge to y.ou when you use your Card to purchase ~irfine tIckets. . . . . . . . . , , . . . . . . . . . . . , SEE PAGES 21 .24 C 2003 Dlsccwer Sank.. Member FDIC 30400' .D4Q3TI 14 ..' ~"_., '" "." EXHiBIT ----L- . . . '." .' .. .-' ..~.;. t.... ,;,...'.;......~_~...,'~ . CARDMEMBER AGREEMENT p"ease read this Agreement carefully ~forl! using your Distove~ Card ACCDunt. tt contains the terms and conditions of your Account. some of which may have changed from "liier tnltertals pro~ tOo YDU. .1n the went of any difference~, this Agreerne:nt shan control. We respect your privacy. ~e the f'rrv8cy SKtion tm page 10 and our Privillcy Polity for addmQn.a' information, The Arbitration of Disputes Section on pal}e '2 includes a waiver of a ~umber t>f rights., induding the right 10 111 jury trial. CARDMEM!ER AGREEMENT Agree.ment Terms- ....................,...... 2 Acceptanc~ of Agreement. . . . . . . 2 Use.of Your Ao:e>>unt . '. _........ ..,. ".... 2 Authorized Usen . , .. ..... ...., ... .. .,.. ... .. 3 VnalJ'thori2edUse ........,.....,."............. 3 Credit Limit-Available Credit. . . . . . , . . , , , . . . . . . . , . .. ... 3 Prom;.s;eto Pay............,... _................ 4 Monthly Billing Statement......,.................. . 4 Monthly Payment Option.s.,.....,.................. 4 Minimum Monthly Payment... ..,.........,. S Credit Balances.,........,.........,......,..,... ... S Sa lance Transfers, . . . . . . . . . _ . . . . . . . . . . ' . . . . . . . . .. ~ .. S Financl! Charges....... ...,........,............,.,. 5 Periodic Finance Charge-s . . , , . . , , , .. . , , .. , . . . , . . . . . " 6 C>efault Rat! Plan. . , . . . . . . . . . . , . . , . . . . . . . . , . . , . . . . . . . 8 c'sn Aavlnre 7tan~{tion Fe! rlNnce Charges. . . . . , . . . .. S Balanc! Trlm:fer Transaction Fee finance Char9!! . . . . . . . .. S Minimum Fir.aoce Charge. . . . . . . . . . , , , . . . . . . . . . . S' Returned Check ree,.".. .,.............,..,........ 9 Returned Discover Card Check Fet . . . . . . , . . . , . . :9 Stop Paymet'lt Fee. . . . . . . . , . . . . . . . . . . . :9 lite Fee...... .......................... ..... ,..... 9 Paoy..by.Pho.r'te FI!/!'.,..... . . .. .,....... .. ... .... ..... 10 I\esearch fee.....:. .....".........,.,.......,..... 10 Overlimn Fee.............. .,...".,....... 10 Defauft.ACCt~ntion-Collection (tom.,.. .... . .. .. ...., 10 C~n'fllation.....,...,........,....." 10 P.rivacy ..........,.,...... 10 Elmronic Communications . . . . . . . , . . . . 1 ~ Credit Autnoriutions. ",.... .......... 11 Change of Terms... , ... . .,.. ... . .... . . . .. . . ... '1 ~ange of Address. 12 Assignment of Atcount.,.............. 12 Arbitration pf Disputes. . . " . .. ....... ... . . 12 Compliance with Interest Rate limitations . . . , , . 13 G9ve:rning law ........, .. . . '3 -,- . . '-. _. ~._., _..,.., '.~"''' -":":';;'J. "''''".r.,..:.>ir.!""~.":''~~'':!';;."",: ,,,.,;,...,... -.:--"':"..:0-0;;".:;:_ ;:r.;-~;,;;::;: :~~,;:':;':';~-".;:th..: '~;"-,.h:r":'.,.,...;;"',,,~ _ ,-,~.."""t. . ..,'., ""'-.' . ~ J' . .... ~'.'.-~', .~. . .~i'-.".. ~. ,,'-,,"___.~ w,-".~. ".,~,,,,,,,~",,,-,...:"';"J.}-~~~._""~._""...~'-'-: .,.'.. > '" AGREEMENT TERM$.. The word "ACtDunt- muns your Discover Ca.rd Account The word "'Card" means anyone or more Discover Cards issued to you or someone ~l~e- with yelir authori. zation. Th'i! words "you., "your", or "yourS"" refer to, in addition to you, the Cardmember, any ether person or persons who ar!' also contractually liable under this Agreement. The words "we", "us" and "our" refer to Discover Bank. th'i! issuer of your Oisc.over Card. The words "Authorized User" mean any pef'50f'l whom you authorize to use your Account or a card. whether you notify us or not The words "Pricing Schedule" mean the clDcument accompanyin-g. your Card and listin9 the Finance Charge rates that apply to your Account. The Pricing Schedule is p:i!lrt of this Agreement. - . ACarTA.NCE OF ACiREEMEN1. The use of y-our Accoun1 or a CiI'rd by you or an Authorited llier. or your faj~lJre to cancel your I Account within 30 days a.fter reQiving a Card, means you accept thh: Agreement,. including the Arbitration of Disputes provision on p"ge 12. Ypur may. however, reje:ct th~ Arbnration of Dis.putes 5ection by providing us a. notice of rejettion within 30 days after receiving a CiI'rd. at the followlng address: Discover C.ard, P.O. 80.1: 30938, $att 1.ake City, UT ~130-0938. If you were, previously subject to a.rbitration with respect to any Account I' this right to reject arbitranon will not apply to you in the event that the Account has been reopened or r~pla(ement Cards are ! sent to you. Your rejection nOtice murt indude your name. i address. tele~hone number. Account number and signature and I must not be sent with iny other correspondence.. Calling us to I indicate that you reject the Arbitration of Disputes section or sending a rejection notke in it mar,"er or 'format that does not (om ply with all applicable requirements is insufficient notic~. In . order to process your floth, we req uire that th~ notice be : provided by you directly and n01 through a third party. Rejection . of arbitration will l'lo1 affect your other rights or res.ponsibilities , under this Agre-emen1 or your obligation to arbitrate disputes ~ under any other aCtOlJn1 ~5 to which you and we have agreed to ~ arbitrate dU:futl!S, tI you dO' not send a rejection notke. you will i be obligate- by the ArbitratiDn of DISputes section with respect to thi1 and any pdor actount you have had with 1)5, evt;n if you have previously sent a rejection notice with respect to that priof account USE OF YOUR ACCOUNT. Your Account may h.e U5ed for. . Purchases . to purchase or lease goods Of services from participating merchi'nu by presenting your Card or Acc.ount number. . Cash Advat\te1 . to obtain cash advances !rom participating automated teller machines, financial inrtitvtions or other locations, or by means of checks which we may furnish to you, all in accordance with such additional terms and conditions as m"y be imposed from time to tilm.. . Blflanc! Tr~nrlen . to transfer balanCe! from other creditors Dr to make othtr tri!lnsactions by means of balonce transfer coupons or ch~cb, in accordance with such additional terms and conditions as we may offer from time to time. In addition, your Account may be used to gu.arantee: reservi5tions at partidpating establishments. You will be liable for .,- .1..) guaranteed reservations that are 001 canceled prior to 'i:he time specified by the establishment . Your Account may be Vied for penonat, family, household and charitable purposes. Your Account may (lot be used to obtain loans to purchase, carry or tradt- in securities, or to pay any amount you owe under this Agreement ('"?rohibited transactions"}. Prior '1:0 in use. .each Card must be signed by t~ person to whom 'rt is issued. We are not responsible for the refusal of anyone to accept or honor a Card Dr to accept checks- that we have provided you, You must retum any Card /Jr unused checks to U1 upon request. If a merchant fails to provide your purchase to your s.ati~acr.ion and, at your reQuest, we: i~sue a credit to your A<:coun\ you will be deemed to hav.!' aSSigned to us your claim against the merchant andlor any third party for tht erecited amount. Upon our request, you agree to..provide us with written evidence of such assignment. Your rights and responsibilities under the Fair Credi1 Silling Act dessr1~d in the billing rights summary on pages i7~ 1 S and on the back: of your monthly billing statemen1. apply only to credit card transactions. This special r.ule for cretlit card transactions does not apply to purchases made witt'! ii balance tranrltr che(~ or cish advance. Therefore, if you have I problem with the quality of goods or :;eTVices that you purchased with a balance tran~er cneck. cash advance check or the proceeds of a ca$h advance, you do not have the right to withhold payment of the amOLJnt due. . AUTHORrZED USERS. Ii' you want 1:0 (",ncel the authority of a cur~ent Aytho~i~ed User to use your ActOUnl or a Carr:!. you must notify us tn wrnmg or by 1elephone and destroy any Card in that person's pos~ssion. None of your rights uncler thrs Agreement (other than to pay amounts owed) may be exerdsed by any person not a p~rt'j to this AgrHment ,acting pursuant to a power oi anomey, WIthout our separate vmtten a9r~meflt (which we are not obligated to give). UNAU'THORIZED USE. If a Card is lost or stolen, or If YOlJ think that ~or:neone is. u~ing ~our A~rount or a Card withol.rt your permlm~n, notIfy us ImmedIately. You (an notify us by telephcnmg 1.BOo..DISCDVER (1-BDD-347.2683), or by writin9 DISCOVER CARD, PO Sox 15156. Wilmington, DE 198B6-1oo2. 'fou agree to assist us in determining the facts relating to any theft or POs5,ible unauthorized use of your Acrount or a Card and to (Dmply WIth such procedures as we may require: In col'\trection wi'ttl our lnvenigation. If /Jur records indica1e that YOIJ have enrolled in an aytomatis billlng arrangement such as a monthly gym membershIp. Wf! WIll attempt to provide ye>UT new AccoLin1. number to that merchant. HOwever, if YOLl no longer wish 1e> continue the automatic billing arrangement, you must contact the merchant _directly. CREDIT LJMIT.AVAILA8LE CREDIT. We will ad....ise you of your Account credit limit We may impose a lower limit that wW apply to cash advances, referred to as the cash advance credl't limit, You agree not to allow your unpaid balance, indudine Finance Charges and fees, to !xceed your Account credit limrt. tf YOLi exceed your Account credi1 limit, we may reque~ immediate d- .","..;";:".' > ~' ..... . ,~ .i",," __.,~.,..!-~,_."""",,,,'oi,..,C.r..:;-..i"_,,_":"",":~:"""_'.""'''''.''''_._''- .~- ...,.",.,. - ,_"~',.. -- .'-,. -,~. -.. ^- pByment oi the- amount by which you exceed your A"ount credit limit Wit. may increase or decrease your Account credit limit or your cash advance credit limit withowt notice. The credit availabfe for your use may, from time to time! ~e less than YO}Jr Account.credit limit. For purposes of determining your aVi31lable credIt, we reServe the right tD postpone for up to 15 business days reducing your unpaid balances by the amount of any paymerrt that Wit. receive. Your available credit will not be Increased by tht amount of any credit balance. PROMISE TO PAY. You agree to pay us in U.s. Oollars fOor all purcha.&es, ca~h advances and balance transfers ,Including applicable- Fir.ilr'lCe- Charges and other charges or fees, lncurr.ed by you Of anyone you authorize or permit to use )lour Account or a Card, even if you do not notify \.IS that others are using your Account or a Card. We will conv~11 purchases -and cash advances made in a foreign currency to U.S. Dollars at a rat'! existing on the date rri conversion. If you pay us in other than U.S. Dona~. ' we may refus! to accept the payment pr charge your ACtDurrt our tort to convert your payment to U.S. DoHars., All checks rnurt be drawn 01'1 funds on deposit in the U.S. You may not uS!:' a cash, ad\lanc:e check, balance transf-ef cheek: or coupon, or any other I' promotional check drawn on any Discover aan~ credit card account to make peyments on your Account ! !f y~l:Ir Acco-un1 is .01 joint Ac.cDunt ea~h of you agrees to he- liable : indIvidually and JOintly for the entIre amoun, owed on your; Account We can accept late payment!: or partial payments or checks and money crders marked *payment in fuB" or with any otner restrictive endorsement without losing any of our rights um:ler this Agreement. MONTHLY SILlING STATEMENT. Unless we wai....e our right to do f so, we will send you a billil'og statement after each monthly billing period in which you hav~ a debit or creen balance of , ~1.00 or more:. The biliing statement will show all purchase1, ! cask a.d\lances. balance trClnsfer1, Finance Charges a.nd other I' charges Oor fees and all payments or other credits posted to your Account during the billing period, It will show your New Balance, Minimum Payment Due and Paymen1 Due Date. MONTHLY PAYMENT OPTlONS. You may at any lime pay the- entire New BaJanct shown on- your billing rtatement. but each month you must pay a' lean t'he Minimum Payment Due, All payments must be made- in accorda.m:e with the: terms, including the payment cutofl time, stated 011 your monthly billing nat~ ment and we will credit your Account in accordance with tho~e terms. In addition, we reserve the right to change those terms without prior notice. We will apply payments and crediu to tne- New flalante shown on your current billing rtattment in order o-f the Annual Pe-rcentage P.ate applicable to the balance of each transaction category (a~ referenced in the Periodic Finance Charges Se-cticm), trom lowest to highest. beginning with the balance subject to the lowe!>'t Annual Pe.rcentiigE' Rate. W~ then appty pa~nts and credits to any new transactirms using the same method. However. we nave the right to apply payments and credits to balances with higher Annual P~rcentagf Rates prior to balances with lower Annual Perce-nttlge Rates, such IS ... .~ ",.." .-".......",'. when t~re are- two initise! special rates applicable to your Account and the lower Annual Perc.enti!lge- Rate will expire- before the higher Annual Perc.entage Rate. MINIMUM MONTHLY PAYMENT. The Minimum Payment Due uch month will be the sum of any amount past due and the minimum monthly payment The minimum monthly paymer\t each month will be the greater of $10.00 or 1JSOth of the New 13alance, rounded to the next higher whole dollar amount. If any ANNUAL PERCENTAGE RATE appiicable to your Account is greater thal'\ 22..99%, your minimum monthly payment will be the greater of S 10 or 1I45th ofthe ~ew Balance, rDunded to 'the next higher whole dollar amount. R.egardle$s of the Annual Percen1:iJg~ Rates on your Account,. if the New Balance is less than S ~OJ?O, the mil"limum montnly payment will be the amount of th~ New Balance. Paying th.e. Minimum Payment Due may be insu~ic:.ieryt to bring your Account balance below your Accoun't tre-drt hm!t ~nd. consequently. may not avoid the Imposition of the Ov~rhmlt F~e dtscribed in the Overlimit Fee Section. We may- from t,me to tIme allow )'0\.1 10 not mal::e a minimum monthly payment, and willl"lotify you.when this option is available. If you take a.dvantage of thiS offer and do not make i!I minimum monthly payment. fif)ance charges and any applicable fees will accrue on your Account in occoraance- with this Agree-ment and you must pay the Minimum F',;Iymen1 Due for the follo~ing billing periods. CREPIT a:~LANCES. We will refund any credh balance within ~\le-n bUSiness days from reteipt of yOUl written request. If you do r.ot requert a refund, we will ilutomatically refund credii balanc.e~ greater than $1:DO whic.h remain in your Account afier two billing periods. BA~NCE TRANSFERS. We may periodically offer you the oppor- tUnity to transfer balances from other crediton or to mal\e other transactions to your Account br means of balance trinsfer co~pons ?r chec~. Eilch offer wil contain an ini1ial special rate, whIch Wll! be the Annual PercentillgE' Rate that will apply to tra\lsfem.d balances for the time periC;'d speclfied in the oftet, subject to the Default Rale P1an SectIon, and may c.on,ain a Balance Tranrler TransactiDn Fee Finance Charglt. for each ?alance transfer made during the term of the offer, as disdos.ed In the offer a,:,d as set forth in the fl-ridng Schedule. if applkable. After the e):.ptra'tion Df this time period. the Annual Percent..ge Rate that applies for purcnase~ will apply '0 trlnnerred balances. aalance. transfers s.ubj~ct to the initial special rate ire referred to as spedal rale balance tran.sterr; balance trannl!r5 tor which the initial speda! rate has expired are- referred to as purchase rate balance tran~fers_ Each otter wHl {orrtClin .an expiratidn date. If you attempt to transfer balances by means: of ~ che<:1< after the e;r;piratiQn date, we will treat the transacticn as a Cash advance-. We wilt not make balanct transferl attempted by muns of a coupon after the ex.pir.rtion date. FINANCE OlARGES, You can avoid payment of Periodic Finance Charges on new purcha~es lfyolJ pay the New Balanc~ shown on the bitling statement on which 1he purchase fint appears by the Payment Due Pate. and the Paymef'lu and Credits on that statement equal or exceed your P.revious Balance. We caU this -\- -..: ~ the -9race period, ~ You de !"lot have a grace period on balance tranSTen: O{ ca~h aDvanc~s. Periodic Finance Char!,?es are imposed en new balance transfers and cash advances beginning 'Nith the date tM transaction DCCUr$.. PERIODIC FINANCE CHARGES.. Periodic Finance Ch-arge5 art impo$ed on all transactions until the date of repayment. Repayment means payment of your entire New Balance. However, if yeu pay the New Balance shown on the current bWing rtatement by the Payment Due Date, and the Payments and Credits shown on thIs rtatement equal or exc:eed the ?revious Balance, we will not impo~e Periodic Finam!' Cha.rges on new purchases, that is, purcha!.~ first appuring on the current rtjl;tement. Otherwise, you will receive a billing statement the ne):t month that includes ?erlodic Financfl Charges imposed until the date oi repayment We compute P~rtodic Finance Charges each day for purchaseI, cash advan<:es, and balance. transfen (which we rflfer 10 as transaction categories} by using tnt! following equation: Average Daily Balance x number o-f days in the bimflg period x The Daily Periodic Rate and correspondlng Annual Percentage Daily PeriodIC Rate. .(You may rd.er to tht! finance charge Rate that apply to each tramartton cate90ry is either a fi):ed rate summary on the front of your blllin~ statement for these r or a variable rate a3 set lo-rth in your Pncing Schedule. The Daily amounts.) Then we add all the Periodic Finance Charges for each' Periodic Rate is V355th of the corresponding Annual Percentage tram,action categOl)' to get the total Periodic Finance Charges Ratt. The variClble Annual Percentage Rate for a transaction for your Account. The Average Darly Balance is shown as 2er~ if category is determined by adding a specifIed number of no P~r1Ddic Finance Charges apply tD the balance in a transactIon percentage points to the Prime. Rate. This is showl"i Dn the Priting category. Schedule as "Prime '" {per(entaw~ pcinul." fOor purposes of this We use the t'wo-qde average dally balance (includjoS/ MW A9ree~e~t the ?~l~ Rate is t e hi9nest .rate of interest listed transactions) method of calcurilting th~ balance upon whICh we as the pnme rate In t.he money rate! stctlon of The ~aI15t{E'~r impose Periodic Finance Charges. This ry'learu if you did 1'\01 pay Journal on ~e la.st buslnen clay of the month. The Pnme F.ate t!. the New Balance shown on the billing statement you received ~erely il pncmg l.nde~ and doe3 not repre~ent the lowest or ?est during the p.revious billing period by the Payment Due Date, we mtere$'t rate avaIlable to a borrower <It. a~y bank at any gwen wf/l impose Periodic Finance (harge~ on new purch<lses that first time. Your A,nMual Percentage Ral~ wll! Incre2~e or detre~se appeared on th6t billing statement, liS well as new purchases wh~n ~he Pnme Ra~~ changes. Hm .c~anQ!" ~!ll be effect~ve that first appear on the current billing sta1ement, unless we , beg.lnnlng en the fIrst day of the bl}hng pe~lod that begln3 already Imposed Periodic Finance Charges on the purchases on ! .dunng the same month a3 the change In the Pnme Rate, your previous billing statement. We compLlie the ave-rage daily (2) Annual Percentage Rate for Purchases balance for each transaction ca1egory by adding up all the daily . balanceI in a billing ~riDd for il trilnsacticn tategol)' and ~e may have offe~eo you an mtroduct~ry rate on purcha.sfs. The dividing the total by tM number of days In the billing (yde, We IntroduC1Pry rate lS t~e Annl:lal Pflrc~nla9~ Rate that WIll. apply compute the dally bal<lnce for each transaction category on flach to purchases fer the tIme PE:'\,od.speClfied l~ 1h~ offer, sU~Je<:t.to day by first adding the following to the prevlcu3 day'S daily the, Default Rate pran Section. After expIratIon ~f thIS time balance: transactions: made that day, 1eel charged that day and pe~rod, t~! ~nnual Percentage Rate. for purchases WIll apply. Th.e Periodic Finance Charges il"rued on the previous day's daily paliy Pt!POd,C F.ate~ and,correspondu'l9 Ann~al Percentage Rates balance: and by then subtracting any credits and payments that tn eff~ct on th.!!: .date thIS Agree~nt 1$ furmshed to you are set are appliE'd against the balanc!!: of the transartion tategory on forth In the PncJng !>(nedu)e. that dil)'. In calC\Jlating the daily bela!)c!!: for the previous billing (3) Annual Percentage Rate for Cash Advances period, we consider the "previous day's dany balance" to have ... . been zero on the first day of the billing period. The l?ad~ Pen odIc Rate and co.rrespondJng ~nnua!. Percentage . . Rate In effect on the date of thIS Agreement rs furnIshed to you SpeCial rale balance transfers and Balance' Transfer TransactIon are set fol1h in the Pricing Schedule. Fee Finance Charges are included in the daily balanc.e of the balance transfer transaction category. Baf<lnce transfers that (4) Annual Percentage Rate for Balance Transfers were subject to an initial ~pedal rate that has bee~ terminated The Daily Pe-riodic Rate and corresponding Annual Percent21ge due to a late payment or because yo;.v .outrtandl,!g Acrou~t Rate in effect for special rate balance tranrle,", will bf set forth ba.lancf' exceede~ your.~c~ouf1t c~edlt Ilmrt are ~!30 Included In in the offer from us under which you make the balame transfer. 'thIS category until the lnrtlal sperlar rate otherv.'lse would have /J.s indicated in the BalClnte Transfers Section above, purchase expired. In caiculating the daily balance o.f the balance transfer tranSaction category on the first day of the billing period, we subtract the unpaid balance of tho~e Balance Trll;nsfer Transaction Fee Finance Charges and balancl' transfers tha'! become purchase rate balance traTlsfers on that day and we add that unpaid balance to the balance of the purchase transaction category. All tees charged to your A(.covn1 are added to the purchase transaction c.ategol)' with the e):ception of Casn Advilnce Transaction Fee Anance Charges which are added to the cas.h advancf transaction cate90ry and BC,llance lra-nsTer Tr<lnsaction Fee Finance Charges which are added to the balance transfer transaction category. Ii Cl transaction is ported to,your Account after the close of th~ bimn~ period in which it OI:.ClJr.s, we will trut the trans.action as haVing occurred on the fir5't dil'Y of thE bilfing period in which it i~ po!cted to your ACCDunt. (1) Rat. PI.ns ,..:.-.:.: .,. -7- .,,",.",,~-,--,,,,",,;,,,,';'-~.I.;~..,.,:s::'-?;":."-''::;i.,,,,"''',.'''-'.' . . ~-~.. "'~--.:.;.. ,.., ",.".~. ~,,,,,",,,,- -~ ~~-'. ~, rate balance transfers will be subje-ct to th~ Daily Periodic P,ate 3% of the amount of each new ca~h advance, Ther!!' is a and corres.ponding Annual Percentage F:ate that apply '!:o minimum Cas.h Advance Transaction Fee FINANCE CHARGE of purchases and th! Default Rate Plan Section. $5,00 and no maximum Cas.h Advance Trans-action ree FINANCE The Daily Periodic Rate and corresponding Annual Percentage CHARGE: The imposition of Cash Advance iransaction ree P.ate in effect on the date thi$ Agreement is furnished to you are Finance CharQes may result in ar. Annual Percentage R.ate for set forth in the Pricing Schedule, cash advances that is higher than the nomina! Annual DEfAULT RAn PlAN. We will reYiew your Account on the last Pen:entag~ Rate, AU forms of cash advances, including the use of day of each billing period to determine the Annual Pen:entage D;~cover Card checks., regardfess of the purpose for which used Rates that will apply to your Account. 11'1 r~view;ng your AccoIJnt, are subject to Cash Advance Transaction Fee Finance Charges, T~ we willlDoK at the current billing period as well as the previous obtain the total Finance Charge on cash advances fcr each eleven billing periods. Any iocre-ased rate described below will billing period. we add any Cash Advance Tramaction Fee Finance apply beginning with the firrt day of the billing period in which Ch~r9':s f,?r tho.:! bifling period charged under this Section to any we review your ACCOLlnt P~nodlt: Fmance Charges calculated under the PerIodic Finance Charges Section for the cash adv~nte transaction (ategoN. If we did not rt:teive a r~quired payment by the Payment Due 'J Cate durjn~ the billing period in which we review your Account BALANCE TIl.ANSFE~ TAAN5AcnON FEE FINANCE CHARGH. If then any ,nitial 5pecial rate on balance transfers and any the balance transfer offer you recer,,! contaIns a Balance introductory or prcrnotiDnal rate on pl,.lrchases that currently Tranner Transection Fet Fmance Charge, we will charge you a applies to your Account. and any such rate t"a' we have blance Tranrler Transaction f~e Fmance Charge for the amount previously ofiered to you, will termina'!:/! and tne standard: of ucn balance transfer made under that effer. If there is a Annual Percentage- Rate for purchases wiH apply to your balance ' 8~lance Transfer Tran.saction fee Finance Charge in conjunrtiCIfl of balance transfers: and purchases as well as anr introductory or w!th the, offer you rece-jve-d when you applied Tor an Account. it promotional rate on purchases ilnd any initia special rate on WIll b~. m the amount set forth In the Pridng Schedule. The balance transiers that we nalJe previoutly o;:fered to you. In! imposition ?f Balance Transfer Transaction Fee Finarrc! Charges addition, it the standard Annua! Percentage Rate for purcha$es: may ~e5u!t In an Annual Percentage Rate for balance transfers is les~ than 19.99% and during the immediately preceding,that,rs higher tha,n the nominal Annual ~rcentage Rate, To eleven billing period~ we did not receive a required payment by, o?~am the, totar F1T1ance Charge on balance transfers for each the Payment Due Date. then the Standard ANNUAL' bl/llng perJod, we add any 8afanre Transfer Transaction Fee PERCENTAGE RATE for purchases will be increased to i9,SS% {a nna,nce Cha'rges caltulated under the Periodic Finance Charges Dillily Periodic Rate of .05477%), section fOT the bala(\Cf transier transaction category. If your outnanding ~alilnce exceeds your Account cTeditlimi~ as MINIMUM FINANCE CHARGE, We will charge you a mjnimum of the day we re\(If.:W your ACCO\.lnl and your outstanding fiNANCE. CHARGE of $,50 10r any billing period in which some balance exceeded your ActolJnt credit limit as of the la$"( day of) FINANCE CHAP,Gf ot !es:s than S.SD would otherwise be imposed. any billing period in the immediately preceding eleven billing' RETURNED CHECK fEE 'U h perk)ds, then any initial ~pecial rat! on balance transfers; and any! 2 .' We WI c arge you a Returne~ Check Fee Introductory or promotional rate on purc:hase5 that curr~ntly' of Jat~7a,t'l tl(~e tau pay l:'s wlth.a checl:. t,ha! IS retume~ applies ttl your Actount. and any such fate that we have unPDU~. IS ee wll! a so apply iT a deblt tr~!'ls.artlon ~o a d~~Slt previously offered to you will tetminat~ and the standard ace t, from which you ~ave authomed us In wtltmg, Annual Percentage Rate for purchases will apply to the balance electr~ntcaUy or orally to perrl?dically dedu~ all or a part of ~n of your balance transfe-H and purchaSES as well as any iltnOU ,t you owe us un~er thIS Agre~men~ IS return~d unpal~. introductory ot promotional rate on purchases and any initial ~eurw,U charQe you ~l~ .fee ~he flnt tlJ'ne ~n.y payment IS. .special rate on balance transfers that we nave previously offered ~t fled unpaId, even If It IS paId upon resubmIS'slon, to you. If th~ standard Anr"lual Purchase Rate fer purchases i5 less RETURNED DISCOVER CARD CHECX HE. We wi!! charge YOIJ a than 19.99%. then the standard ANNUAL PERCENTAGE RATE for Returned Check Fee ef S2S,00 each time we de-cline to honor il purchases will be ir,(teased to 19,.99% Iii Oaily Periodic Rate pf Discov-er Card ca~h advance check, balance transfer ch~d:. Of ,05477%). other promotional chetk. !f your sun"dafd ANN~Al PERCENTAGE R~TE- fDrpurchases fs l.es5 STOP PAYMENT FEE, We may charge a Stop Paymen1 Fee of than 2'4.~9,~ ilnd ~urmg the .current,and lmmed~.ately precedmg $15.00 each time we stop payme-nt at your request on a ca.s:h elev,:n bIlling ~nods you erthet faIled thr~e tlme-s to make.a advance ched, balance transfer check.. or other promotional reqUIred payment when clue or exceeded your Account c:redl' check., limit three times as of the last day of a biJHng period, then the , standard ANNUAL PERCENTAGE RATE fer purchases and for cash LATE:F~E. We Will charge y~u a late F~e,if you have failed, as of advances wW be increased to 2.1l,99% (a Daily Periodic Rate ot the ?~,ym~nt Due Date" to make the MIflI/TllJm Payment Due that .06847%), _ was :-equlred to be paid by that date. The ilmount of 1he Late . fee- IS ba$ed en the sum e1 all outstanding purc:ha.sf:'! cash CASH ADVANCE TRANSAmON FEE F,INANCE CHARGES, We will advances, balance tranrt'ers, other charges, other fee~ and chargf.: ~u a Cash Advance TranSClc1.1Dn Fee Finance Charge of Finance Charges a'!: the end of the billing period, tf the sum is less -B- -9- ..~, . ~ ... -_, "~."~',",."'"_.'.""";".'" .:.,.-;-.....c_"-,._. ""-'~ ~._>- .', ....'~H_C. than $100, tilt Late Fee is S 15. H the sum is e-qual to or greate pthers, how we safeguard the confidentiality and _se-curity of than S100, and less than $1,000, the Late: Fee is $25. lfthe sum 1 infDrmation and the steps you may tah to limit our sharing of equal to or greilter than S',OOO, the: Late Fee ;s $35. wcn information with others. Please read it carefully as it is part pf YOUT c.ardmember Agreement. N indicated in our Privacy PAY.BY.PHONE FEE. We may from time to time allow you to Pohey, we may re.p-cn to credit reporting agencies and ether make payments by authorizing us over the teleJ)hone to transfer creditors the status and paym~nt history of your Acc\)unt or pay funds from a de-pDsit acc\)unt to your Account. We will including negative credit information. We normally re-pon to charge b Pay-by-Phone Fee of $10 for each such transfer Or wen 'r~drt reporting agencj~ each month.. If you believe _that payment. ' our report of yovr Account status is Inaccurate Of ir.complet!, RESEARCH FEE. We may charge YDU a Research F-ee of $5,00 for please write us at the following address: Diswver Card, PO Box ucl'1 copy of iI billing statemtnt or sales slIp that you request 15316, 'Mlmingtof\ DE 19850..5316. Please include your name, However, we will not charg~ it fee if you request copies in address, home telephone numbt!r and Account number. connectIon with a billmg error, We may frDm time to time review your credit, employment <!Ind QVfRUMIT FEE.. We will charge you an Dve.rlimit Fff each time- incom~ records. Our personnel may Iist~n to. or record telepoone that as of tne dose of a billing period your outstanding calls be~een you an~ our representatrves In or~er to eViI.luate Account balance exceeds your Account c:red~ limit. This fee may the quality 01 our servICe 1.0 ou~ Card:nembers W!th~u1 notJce ~o b charged even it the tnmsanion which causeI you to exceed ~OU, We may use any medIum. mcludtr\g bl11 not nmlted .to mad, e . , ' '. 'i live telephone callI, automated telephone equIpment. your Account cre~rt .h~lt IS avthonzed l?Y us o~ I you exceed prerec.orded telephone talIs, and e-mail to rontact you about your Account credit IImrt due to the posting of Flnanl!=e ,Char9~s your Account or offer ou productJ or services th,1t may be of or fe~ to your Account. The am.ount of the Over Imlt Fee I}! value to you. If you prefer not to be contacted in one or more of baled on the sum of all outstanding purchases, .tal-h advances., these ways call LJS at H~,()O-225.5202 or write to ~ 011 Discover balance trilnsiE'tS.-. ?t~er cha!ges. other fee~ and FmClm:e Chargt.si Card, P.O. Box 30961, Salt Lake City, UT 84130--0961. We provide at the end of the ~lllt.n9 pen~d. If the sum IS equ~l to or Jess than 1 various methods by which you can obtain information about S1,DOO. the Ovtrll~lIt Fe~ IS S15. If the ~um IS_ greater th=m~ your Account. We will only release SLJch information to you, any S 1,000, the Over lmrt Fee IS S35. ; Authorized User that our records indicate is an authorized buyer DEFAULT.ACCELERATION-CDLLEcnON COSTS. You are in defi!luh on your ActClunt, and any other person with your prior if you be-come insolvent; if you file a bankruptcy petition or have permiSSion, in addition to as provided in our Privacy Policy or as one flled ilgainn you; ii we have a rus.onable belief theft you are required by law. Our seturity mea~ures cannot insure against unable or unwilling to repay your obligations to us; if you are unavthorlzed inquiries. You agree that we will Tlot be declared Incompetent by a CDurt or jf a court appoints a responsible for the release of iniormation to anyone who, even 9.uardia0 for you or a ::C?nselYiltor for y~ut asseu-; if y~u die~ or if withput your authorization or permission, has g,ai~ed dy,ovfaJltocomplyw1ththetermsofthlsAgreement,lndudmg: possessIon of a Card Of has learned other identl1Ylng hilling to mak.~ a required payment when due, exceeding you'; characte-rinic.s about you such as your personal identificiltion Acc.ount credit limit. or using your Card o-r Account for a' number. ACCDunt number or social security number. P'(o~ibit~d Transaction. If you are ,in def~ult, we may declare the ELECTRONIC COMMUNICATIONS. We may offer you the: .__'. er:'tlre balll~c~ of your Account Imm~dlately due and payable oPPDrtunity to receive certain notices from us electrDnically .. 'without notltl:'. If we refer the collection 01 your A:ccount to an rather than through the mall, including monthly billing attorney or employ an attorney to represent us WIth regard to ~tate.ments:. and change of terms notices. The terms and recovery ot moneY,that YOIJ owe Ut, we may ~harge you conditions for receiving these elertronic communitatiom will be re~so~able attorneys fees and to!:'rt or other collectIon cosu al described in the offer. permitted by law and as actually Incurred by us. We- may delay . e~forcing o! not enfot~e any of our rights under this Agreement CREDIT. A~THOR~ZAT10NS. Ce~jn transartions wil~ reQLJire our \ . WIthout loslflg or waiVIng any of them. alJthcmzatlon pTlor to tomplet/on of the transaction.. In some -- T I b .!y' . cases, you may be asked 1D provide identification. If our CA.N.all-A ION. You may cance yo~r Account Y,notl mg us In authorization SYf;tem is not working, we may not be ilble to wntmg or by 1:elephone and returnl:'9 or destroytr\9 every (a~d authorize oil transilction. We will not be liable to you if an)' of i!,?d LJnused ch~pk that we hav! prOVIded you, Of coUr~, )'~u Will thes.e events happen, stIll be responSIble 10 pay any amount you owe us acc.ordmg to the terms of this Agreement. If your Account i5 il' joint Account CHANGE OF 7ERMS. We may chaoge any te.rm or part of this each of you may cancel yoUt Account. We may cancel or suspend Agreem@rl1. indudin9 ilIn)' finance charge rate, f~@ or method of your Actount at any time without nolic.e; We may choose not to computing liny balance upon which the finance cnarge rate is renew your Account (beyond the expiFation date shown en th assessed, or add any new term Df part to this Agreement by face ot a Card) without notice. ~ndin9 )'ou a writtt>n or el~ctronically delivered notice lil least . C W ..l..' f. f . b d 15 days before the (hang!' is: to be(ome eff&tTvE!. We may apply P<\IY.A. y, e respect U.IE! ptlvacy 0 .In orma110n a out you an any such chi!lngettl the outstanding balance of YDur Ac(ount Dn your Acc~unt. OUT P-nvacy Polity rncJu~es a. svmmary of t.ne the effective date of the change and to ne-w charges: m dafter persona! rnformatlon we collect, when It may be shared with a e - i!l- -11- ,.:""'-~,.,.,. ~__'~''-~''''''''''''"''''-''''~''';_"~'''''':';''''''''''''''''.-.i_' ~:- ,,,,.~\.. ,; .' ---, -'"" i~.::--l".'.;,:: '~.... ,'",.:. " :1 6?--,.~~;~.~~~~~q~HI! __. _----.---.:.. _ ..- ',' ...".......~"lI!'/ ' '-,~~~:,7::"~:~:~~t-tt~~~~t~4.'7: !! ...~ ,~'.,. .' ~-'-":-...."~;-;' ,:~--~..::.2'~~'l~~?;~;~~;;S, ;~~~~f~~~~~} . . -,."-. :-~-'.:: ,..:,' ,.,:.;............,...-.:.::'.,...; .........r.'''_.__"_",......,.O., .,~.'~'.:"~~~.~::Jt7~i~'~~~:1.\~~i~ftt~~~~:~~~~~~rc~&~~~~~~;i.~-:::~?:7~S~;'~~:~~:~-~: , ,---'- '.' that date. If you dC/not agree,to the tha"ge;'-Yl?u'.rnust,rotlfy:;us in writing or electrC/t1icalJy withilY1S .,di!Ys ,j<lfte.r:.'~he;mai!io9 "of the - notke of change. at: tne, 'a:ddresr.provided', iri ,"'the/notice~ot than,,!, in which case your;Account will. be t1os~d and you'mus:t p,ay us the balarl-te thai,yoll' O'weJJS under:,the exiS1i~g. ter.r;ns of the unchanged Agre-emel1t. 'O'ther:w:l.se-,.;y"u.will have:-aqretd.to the changes in tht:- notit:e;:-tlse.'~of .your,;, Accou,ntr ilfte,' the l!Hectiv~ date of the 'change',,;,iJI':be .d~~med.::~ccepta:nt:! ~f the ne~ terms a5 of suc~- effer~1.1ve-;date..~.~....en.lf. y..orJ, preYlously ~ notlfled us tha1 YOU-'dld'l\ot agree to the- d}an9t. ; '::! :>-:"': '. t CHANGE. OF Aj)DRE~S:,i(\y:6'8.\61~~$i.f"'yb\h:':addr-eiS:_~_&~:Dil1~t ~ notify us of your n~ ,ilddre~ w~~I~_';iS;:~arl:~-.'~?:~.'-/--:" --;,:~~.~:~, ASSIGNMENiO~ AtcbuN"T.:we}i\iym;~'nign~rir:,l1~~.J~r:Y0i5r Account or' any p"i-tio,n: t~e!..~Qt-, ~t~oY,'t;_p'o~ice. t'?"V~\{';;!au. _!'l!ay not'se!l, a~i~n:,ti~ ~~sfer::~l?Clr:A.cr:Q~!n~:w,I!~Oi.!F;fir~.I?,~!~IPlrg "ur p~!or ~ritten<c~?s:n5t~;~.. ' .,;.; ,: .~...,. 4,,"_ :,;,~ ~..jj.,. ;") ARBITRATION OF PISPU1'f.S.ln the event of any past, present-or f1JtlJre claim or dispute (whethfr based upon contract. tort. statute, common law or equity) betwnn you and us arising frl?m or relating to your Account. any prior account you have had Wltn us, yo'ur applICation, the re-!~tiomhlps whi~h re5~lt 1ro,m y?ur Account or the entorceabllrty or scope of thIS arbItratIon prOViiiorl, of the Agreeme-nt or of any prior agreement, you o.r we may elect 10 resolve the claim or dispU'l.e by blndiog arbitratIon. IF ErTHER YOU OR WE E,ECT A!\BITAATION, NEITHER YOU NOR WE SHAll HAVE THE RIGHT TO lmGATE. THAT CLAIM IN 'COURT OR TO HAVE A JURY TRIAL ON THAT CLAIM. -PREHEAIUNG DI>COVERY RIGHTS AND POST-HEARING APPEAL RIGHTS WIll. BE llMITED. NErTHER YOU NOR WE SHAll BE ENTITLED TO JOIN OR CONSOllOATE CLAIMS IN ARBITRATION BY OR AGAINST OTHER CARDMEMBERS WITH RESPECT TO OTHER ACCOUNTS, OR ARBITAATE ANY CLAIMS AS A REPRESENTATIVE CR MEMBER OF A ClASS OR IN A PRIVATE ATTORNEY GENERAL CAPACITY, Even if all parties ha....e opted to litigate a claim i~ court. yo-u or . we may elect arbitration with respect 'to any claIm made by a new party or any new daims ~a:ter asserted in thai lawsuit,- and> nothing undertaker'! therein shall" constitute a waiver -of: any rights under this arbitriiltion provision. ' ,~.; ..:,~: .:;:'" . .;.;. ~.:;~ ':,.. :.~ , We will not invo\::.e our right to. arbitrate a,nind;vidu,aldaimyou bring in small claims coun or; your state's iQwiva.TehrC:oun.;.if"~ny, so: long as tne- cJ.ai.m it:pending o,~1y,.i~,:~,ha1~~uct.and,~ot!;~_.~ot exceedS5;OOO.OO. ., ';'-,_.-'-;"~' .~"~' .~': .- -:. Your Accoun't in...olve5 interrtate:..tt;~m~tc~::.'~:l)'d:.thi~ :pr.D~is.ib'n shall be governed by the-Federal,'Arbitfati,go__~ctAF,AA). The. arbitration shall be. conducted, at the option of whoe:y~r file3 the' arbitr~tion daim,by. eitt:!~".t-JA~ndfsp0.e:,..{JAMS)":'or' tn.e Natior;af .Arbitration - Forum, {NAF:}~lrr~ao;oTd",nc!. wltn-.:tnen procedures in effect when the '-claim;,is fil~dl For ? -copy:'Of .their procedures, .tome a.:dailll .or:for:othe( 'inf.ormation,('tontact JAMS at 1920 Ma,iTl Street,.Su~te'3DG: Irvine; CA'92614,(pboM-1. 80p.352-5267)'or NAFat P,O;,80, IDlll; Minneapolis: MN 5S405 . {phone 1.g00.:474-237,11. --At~';yout"'wrftte'fl:'feql.lest". we: will. advance any arbitration filing,' Pdminimativeand he-aring fees - 12- whic.h you would be' required to PilY topuntl~~a clailti.oF di~put~ as a result of our electing to arbltnitt tha'LcJairo. nr-dispine. ,Sei\d requests to P.O. .ao~ :151.92" Wilmington, DE 19886-1020. The arbitrator will decide whc_ will ultimately be 'responsible- for paying those fees': In no' event Will you be required to'reirnbu/'3! U$ ~Qr:any .arbitration filing, administrative, Of hearing 1e~s in an ~r!'p~nt greater than what YOlJf and our combined co.urt com wo.uld have.bee;n if 1he claim had been resolved in a state court with jurisdiction. In no event will you be required tD pay any tt:~s or ~oru incurred by vs in connection with an Drbitration pro- ~ee~ii!"l9. where ..such ~ requiremer:t IS prohibite::! by. law. Any arbItratIon hearln.9 wlll.take place In the federal JudICIal district wh'~r~. you resi_de. T'ne;arbit::ator shall Joll~ applicable sup.- ~t"antW-~ la:w to ;th~:"erten1 S:?l'}Si,s1eryt .with the' FAA a_nd appfi. S~_t?:lenal.yt!2~ 9.f Hm.itafip'ns and shall :hqn9r ,doim~ of privilege recogm,ze:d at law. 'If requested by any party, the arbrtrafor shaH wtite an "pin.iao"contaTmng the- rea$On.5 for tfle--award:"The arbitrator's decisiorr ,will- be final and binding e~c:ep1 for any appeal righu under the FAA and except ihat if the amount in controversy exceeds SiDQ,oeO.DO, any, pany may appeal the aw~rd within 30 days to a three-arbitrator panel which shall revIew the aware de novo. The costS o.t such an appeal shall be borne by the appealing party regardless of o'J'ttome. Judgment upon any award by the arbitrator may be entcn:ed in any court having jurisdiction. Our rights and obligations under this arbitration provision shalt inure to the benefit of and he binding upon our paren1 torpo- ratioru, subsidiaries, affiliates (including, without limitation, Dis",ver Finandal Services, Inc.), predecessors,--succes~ors, assigm. as well as the otfi-.;ers, directors and employees ,of ea~h of these entities, and will als.o inure to th'i! benefit of any third party named as III co-defendant with us or with any of the foregoing in a claim- which is subject to this i1rbitration proviSion, YOUf rights and e>bligatiom under this arbitration prov!sion shall inure- to the benefit of and be binding upon all perSDt'l~ contractuall~ li~ble 'under this Agreemen't and ..II AlJ'thorized User.s of the A~co1.mt. This arbitration pn:wi~ion shall-'.survive termination of your ACCDunt as well as voluntary payment iri'fvll by you,.'any ,legal pr.oi:~edings b)f' u~ to :'olJ~c1 a debt ,ow~d by you, any._~ankruptcy by you a.nd any'~ar~'oy~us o'fyolif-A1:cc;{jnt' COMPo";"tE WITH INTERESTRAT( UMiTATION5?W, infe},,. that thIS" Agreen,e'n't-' wilrcomp!y'~';;;hh.:app1ic.1bie';Thfer~iFi~te limitations. You- will not be required to pay Fir,ance Cnarges10r Dther~ charge~ al: a rat.f that':is :9reat~r-'thal'i'lKe ::rr-,ax-imum amount permined by ~aw. If it is ever finally determinelfthat, but fanhis SectIon, the Finan"ce Charges or otherc.hargenmder this Agre~ment would exceed the maximiJm lawful amount. the Finance. Charges and other charges' will be reduced to,:.!ne maximum .Ia-wful amount. Anye)':cess am.ount that,yov'nave already paid wit! be use.d to reduce., the oU!rtandjng balance of your Account-or will be,refunded toycu.by meampf a chec~ in- our discretion..' . . ._ " " :' ".' :: :,; GOVERNING LAW. This 'Agreement will be. gove'r:niod by the ~~ws of the State of Delaware and applicable fe-der;;lllawLlf ilny part -13- .*~C"",-="""."'~-"#-~",,,,",,-...,_.~_-.t~~ . ,.~--.:-.>..,.,.::*-'.-o,;;':=;':''''~;~~~"~~''-1 ~*-'> .~~ ...,.,.. . ."\}~"t;:~r~'~1 i. ...... , , {~~i~;;~~~.~~1 ! :' ~i~~il~ _.-.'."-"'-~'.'---;""~--_.~'" ! r - , '-.-'~-"~~~.-~.'-~~.,..,..",...,~-".~~*,- ~ '. ~ . '~~ .~~:-~~~;;~~:~~:-"~~.:--:;: ;ti~~;~:.~~i";;]~~:;~f:::~~2~.;;j:;~~;~c~:~~:~~;;7;~::~{t:::~ -" .......:----..----=.;..... _~ ,I of this Agreement beccmes l1!\enfor~eable;'ltwm not ma:ke,any othe'rpartunentor.ceable.' ., . "'. :.. ,.,'-':;. :.' ......' 'i OiscDv'efaanf': '..: ~<:.- ,,',-.," DISCOVER CARD . .~,' : :-.J .'R0Jl~ '.j VICe. p;esiderrt- .;'.'. 1 .. ' ~ }! ,." .1 . ..PRiVAcY porrt:Y-~:;i~~~', ......1' . We,K~5peci:"Y.9ur~r!\latY:'i:".~;;""'.:.:,' Our missioll is' 1~ prol(id~ YDU,'-',~ .__s~p:riC!r ~,p~ci~~:;:.~.o.:~*, u~rvic~i, afong with, the .,peac.!! .ot .mind ..K~DW''1g .th~t ~)'?ur privacy is .seC'ure, We understand your con,ern.s about guardmg ! information about you and your Account. Wf. want to a~surt you that we have taken rteps., and will continue to take steps, '1:0 safeguard that information. This Privacy Policy describe5 our efforts to meet these objectives. It includes a summary of the ft:)lIowing lmpon.ant information: . A listing of the persona! information we collect. . . The circumstances in which we milY share informatio-n with others-. . . The ways we $afeguard the confidentiality and .security of ' information. ' . '- ":~', _.:-;,~"- . ~ '.. I . The steps you may take.. t6 ,Ii.m~ '_OUT ',.sbadrig 'of:...s~ch - information with others. See Section 4 for complete detaIls. PleaM! read our Privacy Policy carefully. It will help you under, stand how we collect and share information. 1. What Personal Information 00 We Collect? To serve you better and manage our busines.1.. it is important that we collea and maintain accurate personil!l information about you. We obtain this information from appli~atjons and otJ':ler forms you submit to us, from your dealings with us and others, from ,con.s\.lmer !.e-porti~g i5gencies., and ,fr~~_...,ot~~~ ..s~u~~.:s.u1Q a5 'pur Web sites.. F~r~exan:'rple:., ;';,.' ~".: "..:,:y; ~!:,~.: .'n.:. ''':: i ~ ,W~ Jnay. obtai~- lof_ormatioCl. such,.as:yC?yr :~m:e'.;~,9die.ss<~nd' '~ ~at~_,2f.,.b!rth f~~l,Tl '-.~Pl?I!F~tio,~~_ ,ap9:~o,'!!1fr i9~~ l~W.:.~~~1J1~.t~ '~"''.-~h~')-. ";f:;.~ \:.;~~';;:"A -:G;;":,~':4.'f.b;i"_~,;~ii,~'f~,;'~1(,,.,r -. We' may obtaiM':jnfo~mation"7.s_tlch,;'J1s_ Ac~u~t ~bajal')~e:si payment history, ,your, use_.of. your Acq~~"lnt.,a"d the type~ of se.rvic:es rOlJ pa~!er, fro.~ !~~~ ~~a.~~..ct~O,l"l:s ,and othe..r dealings ,wlthuf and others" ",:,;,.", . ".r' ._."'''.':'"'' _ _ . We-may. obtain info-rli)a,tio'1 su~,as"t~~ ba'lal"!ces- Df-yoi.mloans. 'With other'lenderr.and.your paytTle;nt histpty with othersir.om' consumer reportin9.i19~ticiei;t,,:.: ./-::: ,,~~~,-:. ",;_ ::. ':_.,1_ ';; ;.:,~::" . .~If'!! may 'obtarn '1nfP!matiart:sw~'h:'_Bs'>y'odr,' !rrt~.r.iE;t"..S~~~~~ prOVider, your domain,_ name.,. your. ,computer'5' ,Op.etqtlng.;, system and Web brDWSec your '~e'" sne',use. and _your~product and service p(~ferencesJrom your,vi$its to our Web-shel., -14 - L'ls Pe'rwnal:lnfor.mOluori Share.d.With Dthers.?;~~"t t-':i;K:~iS.~ We';"hmrt"the sharing ol'info~at!,QM' .with o~efi': '_M~n'y; 01' t~~' offets.yo\f receive for products ,and. servkel are.pr6vided dfrectly to you from 'us, For example: a'r"'et:ali-er thafilice;pts'tne 0iscove,~ Card may tome to us with,~ spe:cia! offer flllr Cardrnembers-, -s,ucH as:.a d"iScoun1 certifi(ate:~bf;:predtlct upgrade,'.' Atl:ef\.careflll consideration 01 the nature: of. the; offer and-the cprripj~ny;'w! will crute a list of Cardmernbers ,who. may be interested in the offer based on certain .~h-a.r~cterjrti<:~: -We wm ,s-endjhp'.o.ffer pirectly to thDse Cardmemb~ri.' qn..behal_f of the. i:f;taBer.by.~'tor example~ 'ind!oidlng _an':ipserfi'n:ffieir fno:ntt1!v,.tiflJjn9':sutement or mal ling ~~~ 0.f1~(?2~~!rift1W~..'~n.tT?t t~~. ~Qr~ati9~..u~ed to mal:.~ tl:ie,.offer;':we..:~6.;!iClt}.~~,~e -~e:l!:st..or a:n)')r'l.f.orm,atloD abolit OW: ,Catdmeml>e:rr':W;rlt.:1he" reta}ler_'_Howtver. _ple-as.e. unden1a~l t,fi'aflf y~a' 90', 'r~d!.;v'e. t,his type '_of offer fro~ ijs' and cnoo.se to .take. advantage of it' the retairer may then ,learn information about you because only (aromembers with '~rtain characteristics received the offer. There ar~, however. ,irC'umstantes in which we may shart the information we collect abovt you. as descrjb~d in Section 1, with other companies in order to provide you with iCC!'S$ to produrn and services and to seNicl! your Account effectIvely, iU r;ietailed below, We requir! these companies to adhert to ou( privacy standards and to use thi.s information only for the....limited purpose for which it was shared._ We do ,n.ot _illow.Jhem to disdo~ it 10 others.withou:t,q~.l:;p'rit?T,_?pprovaJ. ., ~,.......'., ~;o . a. Sharing Pe~onaf tnforrriitioo. -with, Ouf Corpor~te: }amiiy We- are' part or the Morga~ Stahley family of c.ompanies, .our corporate family offers a wide varietY of products- and services that carl help you manage your finames, In order to provide you with iCte!S to these products and services. WI! may shart! the information we collect aboLfl you, OIl described in Section 1, with other members of OI,lT corporat!: fimily. These l;ompan;es in~!udt finandalserVice pro:viden:.tha1:,pff~r,mbrtgage'lending se~i,ces, securities and assef' mima'gl!ment' services.;"";nvestmel"ll opportunities and mutuakfunds; 'end m_aY'.lnc'udel'lon~financi;al seiVid prDwderr~nttl:\e;f.ut\i'r(is:-cu1- corporate.':farriily co'ntinues tp .9row,~,;..~}~ ~"~::'~~ t.;, ,:';-},,~}':".~".~;~L;;--;>.1 "': ,P" ;,':',/;i :..?':: 5~SIl'a.n~ng~:ieni;'fMrrnibr1i!-a{jon"1with;':NDJi:.;Vfitia~o iaroes1-f67. ~ '.:;t-f~.rk~:f~g:P~ipo~~,~ .:1::: ,(_~. ~:~:::., ::,'_ ',' ~';.;>- " -'}:-~::~~;\.. ,;" '.; ", ',. ':~ We may sha.re the"r~fpi-matj'o~.'w~ '{oJl~c1 a~olit /iou::' a! described in Senton. 1, with non-affiliated third partjes, including _those. that .accept the Disco."tf CarcL,iri,'order. t'? provide you with access to products a':ld services offer~.;i 9'i,rectly by these companies that may he- of value. 10 you,,;.The,se companies i!,dude finaflc1al serv!te providers, such as in.s\.!rance COtT'l'p~ry.1e:~'.ya,t\d.no-n~f.i,n,anci,~I.comp.anie:s. s~c~ as ret,ai,l~rs.~, ;'''' c. Sharing p'ersonallriformation.with Others We may _share the 'informati'D/1 '-W~ collect about y.OlJ, -'as described in Section " with companies tha1 perform SUPPOr1 or marketing ~T\fi(e$ on our be-half, such a5 mail1ng. market ~ 15 ~ '~:~~7;~~.;;<,~.~,::j:~;~~~~~~~t;~r~~:~:.~': -- .,::.' ?::~;;~:~~:~~~??4~~~}~~~'J~~: '. _>:~~~',.~~~~~~~il~i~,~;f~~'.. ,""'"',,-' "_"~__"-~,^,,,,,,,,,,~~,,,_,_~,,-,,';',,"~~__-~,:'C""?"""'r.;'-'"""_""'.~.~~_.~,~~i., ... .. . . ":";';;..:.:;;~~';~'~,;;:;:i ,.;. '. , .. ,I', i ~~ t:;~~~~~~~l! , ... ..' .....,~ ~~jl '~-.~-~, ,..: -_....~.,."'-'~... ','. " ,--'''' -' 'Ii ;. ::l!' I \ I research and dat~ 'p~o(eu:ing;;other'- fiAandal.:innltutlo-ns"wiift which we have joi;lt marhting, agre~mentI; or c.cmpanjes..th~t are pur partner5 for cobran~-"F~edit. card 'pr'_D9ra~s..or.Je.Wac:d programs. We may a!s.o' sha-re,sl.!ch lp.fo.rrriation:as'~rin~~d by law, ,. . fu. .-,:,,~' '~"I ,,:: 1'...: >>. 3. How DD' We PTotect~.fhe CDTlfldentiality, SetLJ~ity And Integrity O1lnforrnation About You 7 W~ maintain phy>icaC eleqronk andJ,;-o2~'uraT sate_9uar'ds- ~o prot~ct the lliformatiqn. w~ :~.olle~-a~out'.)'Du~_.A<c:!'!~,"tD..>u.c~ ihfDTmatiof1 is iertri~~d.t6)-ndi\.._jdu~ls~no need ,Witi'ordeit~ s,erVic~. y?ut A~coub~;pr~::-.p.r9v.l~~"Pf~~}J~~~,~~ serv.~'e(,to', iotf. and, wh~rare trained in' tM: pT"per ha.ndlmg .ohuch inforrn~ti,on~ Employees' who violste.'these" co'nfideniiaritY' _ r'eQulf.ement:5':-a(e nJbj~ to our disciplinary ptOC~s':.-'Whe-r'e thirp patties,'-'pr'pyide siJpport. $ervk~s, we reQuiri'tnem-to,"CDnform to our privacy rta.r.dards,. . . It is 'important that the information W~ maintain abO\J1 you is !ccurate and complete. If you see infDrmatioil in yOUT monthly billing statements Dr e!s.ewhere which suggests that our info-rmation is incomplete or inaccurate, please wrh:e to us at DiKOller Card, ?Q, Box 309Jl3, Salt Lake City, UT B4130-0943 so 'that we c.an'update this information. 4. How Can You Limit Sharin; Of IntDrmati-on About You? We respect your' privacy and otferyou:c~okes ,ilS to wh~ther we may share ;r,formatio'n about yb'u:';vltff:01he'rf:.Wyop-prefef."t'rla.t we not shille the Jnformation w~,coJlect'aboutJ'6r.i; .as described in Section i, with non~a:tfmated third parties or if you prefer that we not sharI!: that information with companies in our corpora'l.e family, you may opt out, that is., you may direct us not to share tha1 information. If YOIJ indicate a preference that we do not share that information, plea~ understand that you will not retelve offers for._ productS and, servls:es, 'provlded,~:by_. Qtiler com'pani!s that caliRi help you \o~ei fD:U(.<9~ti~,Ifl~i!mi:Z(YDur fin~.f!da..I.resources and ma::.il,ge ~.?,~~,t.it'\~J~.~.: ~ ... .,~ '-'_", 10. .indicate your preferentes;-:-:tall:-us~at i-_~.&OO-225.,5202 .or wri.te to U5 at Disttwer Card; P~O. Box 3096J..5altLd::e ,<;:jtyi'U:rr~'8Ot 0961, If you. have previou~)' notif!ed uS'.abou1.ycuf:prhl,acy ?ref~~n~es.. it is r.ot.n~c,"s.sari,;tCl. dqiS-O _~9ain-. unles.s- y~.u' decide to chang'i YOiJrp'references: YouT..;iri1ieri\~.qlie~.lb?1;!IrJ;.!p.~,1Jde your r.ame. ?ddre$s.:t~,lephol'\~ l)urnper.a:AO.~tcDufit nU,mbet(~)_ and should not be" s'~nt wltl{a__ny otM!,f .forre~po_nde~~e:~l<ordei' to process your request. we requl~e thgt the -reQuest,be provided by you diret\.ly'and not-thr.ougha-thiro.parry. Yo'u will need to provide us with'YoiJr.pre.f~rerices 'fl?(:e~(h'i;.J'etllt'nro' ac~09nt. Y~[J}'iwe'~._u~: ';"- _,,: ~- .:~;:'_ ,~-.~:: .::-. ;~'.',~':~ ." :'::,:~,', _.:_{.~: You' m?,y'^ryotify-:"\l~.:~90:~yo.~r ~r.~f~reQ~(ej,;~~~ ap.~ ~i.,,;._~,)l'ouf. Tequert'wilf iemain ih"~ffett.'until'y6v.hb1if{us':othefWi~e: We will honor your request ~ncl fIO't'ShaTe:~he-.iritor.liiation we 'collect about you, ute-pta.s permlned by.,tew;'Forexamp!e;Jede~allaw permits us to share. information about you: witb to.osumet reporting agencies.. service providers and marketing partners, It ~ 16. also. ~r.rOffi:~_t~tc'-s~,re.informCl;i~n' about:ou;-"experiehces and transacti?n5J. wit~.- YOUr such. as .your. Account' balance- and payment. history; with other members of cur corporate 't':amify. If YOl:l. are a,-oe"'!_._Cardmembf!:t, we wUl no1 :shar.e any jnformiltTon ab~t you, except as pt:rmitted by law, for 'thirty days Dtler'w~ provide- this Policy: t~y~~ in Drder.t~ 9iv~ you a:n_ opportunity to Inform. Ui about your' prefe~eN.:es: If you are an exhting CaTdmember, please undernand' that you may continue to receive marketing Qffen directly from other companies that wer.~., i'flfea?y., i':l produ,?!,ion prior to the processing Qf your r~-~u~;~;~~~~ ~':.'_~~';'~;.~~~'.t~::_,,/:. ;~j/ .- ',', "";,, ,;: ,-i " '-',:, . ThIS Pnyacy. f'ph{j. ,-s;prC).~,d.ed,,'to, the .prll:nary, Caidr:netnber- listed Df).~~e .f-~cou~r~l ~~W~~~l'.:.~~ny jpir),jCar,~e.rryber_ h~s ,the right to ~9tlfY.rYS ap8',~ ,pr.ei~re.o~e5_,:~n,p' W~:w:H.t,trea1.Jl;.af reqpeSt"a:s app!ymg to ,the.entlr~ _AC~Dur!'~.: We .~do.'not'shaTe' information about .former customerS'; .e.x,~pt'as perrnlrted by law, ' This Privacy Polity is provided to you by Di~O\Ier Sank and its s.ubsjdjari~s, which currently include GiC lnsuranc.e Agency Inc It applies to the Discover Platinum, D-i-s.cover Gold Dis-~ove; Classic. Dis-cover Privatt' Issue"", Discover Titanium Cards, and the produ~ and services oHered in connectioTl with those cards, mdud'.F19 The R~gjrter- caro registration serv-,icf (with the E:x:ctptlon of an)' Information regi$tered in toonectlon with the service., which will not be s.hared}, It is part of your Cardmember Agreement. and proYi~e~..,il fvrtheL expl~.n.a.tio.rLOf J1Q~ ,we collect and share'lnfa.r.matio",.=tolJ;lT'!ay:~ave,qthei:flghu,tlpder st~te laws th~t app.ly to .thi>. if\fcrmatior\,-PleClse, l'1ote,thi:lt'yotJ WIll also receIve pnvClty notIces for other credit card acco\.!nt~ YOIJ ~ave wl't,h us, as well as othernnantial prc~uCts and services prDvlded to you by us and our aftilia1es. You will ne.t>d to indicate your preferences for each of these separately a~ disclosed in the notiCl!, ~ermD.nt ~nd. No:th Dakota ,Residents - Your 5tate laWi require !maooal. InstItutIOns .to obtaitl your ,consent -prior to sharing mfoTr:<atlon about. you wit~ others. El:.cept as pe.rmltted by law, we. ,:""lllnot',share ~f.or.ITU~~lor:hwe .co!!ect~o.u:t.tt'ou. with !'Ion- aff\[la1,!!:d thIrd paroeS,.or,Jf_)'ou an~_ a"Verm_ont resident with tompa.riles ,in' '!ur .C?~WrW f!,triPy:.uhl.ess y.~~ 'call, 'us ~t ;~800:- ~_IS_CqYE~an:d, a.u~h,~~.l~eYo~,.tt{~~.~~:.~ ;~,:\?',;'/>';,:,~ ;:'.': '- ...~_ . ~;:"""- ~ v ",r('!~"~. ,":;"": i!:.i'.-; r..-,: _ ..',' ,7,. . YOUl. SiUingRights , KEEP THIS NOTICE FOR FUTLJREl:ISE:' This, notice containsimp6rtanf inf6i"matiDrt: abOut"Y~-u~:' rtih~^ and our responsibilit!es unde_~ the_ FairC{edlt Billing Acr.,; ",-'." ',.. 1. ~otify Ui,in Cil5~ of Errors or Questions.AbaCl!' You", SiiI\ ..~,. , ',. ....'. ' ~ .". '- ff you thinl:. your billls wrong; or if you need mQte informav;n about a tr~nsactiof\ on yOUr bHl, write us on ii separate sheet 01 _17_ 1 .~-..,.- ._.....,.".,.~.... ' ~ ~_. . ~,:i..~~l~i~m~~~*~~,c.......... --'. ~",,--...,;,~_:::;,;;'';'';'.':i-''A'':-'-;~~~';:::;';':- . '. ",,,,,,~---:;,o'""""..-:~~~"''"'''~",,'.~.:..~~~.~i~'.~:~::::,,i~fi~~~~~'~;'" r'-------~.. r , .~>:..".:,-;.,:-~~.:.~,.: .::';~~":-::::~..>t ->': :'. 1>-'\'. ,- . .' ~':'~'r.'-:.--''"''-. ..:.--~......,... .:-,........ .'-.'- .----- ._--~...~. _.....~ ~ -.. ~- ;"; '''''.,' ~_Il . . "~"~~:; '-",~ '. -,' ;'~~?~~F~~L~~~; - _.... 'I _ '-',~",,'_"'$~'" ~, :;i~~~f~;l1-;~ . ' . ..'"'." "~".."'"''''.''''''' " , ...: ..-"....,. -~.7..-.-"!""'" - L. _:;":"l ~ "!.::-~"'.."":~:.r. .,. ~;:~_:"-.~-.---;..~.~--'.~.! i .i paper at: the-~.addre5S.,~lirted' 'on~'Yout,; biU ~t_or' NotiJ:e ;oi. :.B-,illirig Errors..Write. to ULa,s SODI! as possible. We: must hear,from you no later than. 6D days _after we-se.~t.you thefjrst bill'on whicb the error or problem appear~d. Yoy',can telep~one '1lS. but doing so willf)otpre~erveyourJi9ht!, .....,.;,-.:. '-'.' ":t l~~~u.r "je~?r,give,;.~~,~e f?!,I'?'i4n~ jri!?{(D?!!~ri:_,',~, . your nam~ and AccounJJ;lumper. ' . your dollaramoun-t oi the suspected efTot. . describe, thE' error and explain. if y~u'~an; ,why'you b~l\el/e ~heJl! is. an erro,'--tf you.:need ~~re}~~~rm.~t~~[l,...?::cri~~:t~:e :tem :Y~~ ,arl! l'l~~;_~T:e}~,~~~~:_:~; "..-::r:~f~,~~,:;~~t>~ :;f.e .'~:Tn,:>.r,' Ii yop" ha.v(.au,t~Qr.iz,~,d'_;:,4~'.J~::. P8)'.'-if,OIJF,::credit ~ cafl;i:,;ib1!1 automatically' tr9m _ YOlJ_~ :5Olvings ;t>r _ checking, at:;c.olmt, Yo.u.'. <;lD stop the payment Oh a~yirr.'o~nt.Y!?u thinkis.Wr-otig.To:s1.bP'the payment. your lener musrrea'cJi us three business days beiofe the automatic payment is scheduled to occur. 2. Your Rights and Our ~esppnsjbiJities After We Rece;v~ Your Written Notic~ We mus1 acknowledge your lener within 30 days. unless we nilve corrected the elior by then, ,lNithrn 90 days, we must either correct th~ error or explaIn why we helieve the bill was correct Arter we receive your letter, we cannot try to cDllect any amount you question, or report you. as deJinquen~ Wecan continue- to bill you lor tne ampunt you quertjO'1i- J.fIdudtrig ,fir.atl-c~_charQes, and .~. can .'apply any .piipaitJ arribuht . igaif1st, youf..,o;cco~nt tTedit limit Yt>u do not hav~' to. pay any-questioned amount while we ~re investigating, but you are still obligatE'd to pay the parts of your bill that are not in question. If we find that we made a mirtah on your bill, you wilt not have to pay any finance charges related to any Questioned amount, If we didn't make a mirtak.e, you may have to pay th~ finance chargei, and you will nave to make' up any mis.s.ed paym~hts on the questioned amount In' either 'case, .we will 5end -you a statement of the 'amount you owe afld the .date .that)t:,is due. If you 'f~i('tti' pa:/ th~'~'ITlt>unt tha,t W~~:ttl;rryo~'.o;ii/We;-ipay :e~ort'you as delinciue~t. H.~~~.v~~,-1,f'o.u~',~J:p\ary~11~.IT,.dC?es~not; satIsfy yt:nJ and you wrrte liS -WIthin ten oa)'3 telling us,that'yt>u still r.efuse to'pay; we criu~ tell anyone ,\"Ie report you-to that y~u nave a.quesUoo abou~ your'bill. And; w~ must tell you the rta,me: of anyone wi reported you to. We mLlst tel/' anY~.n1!: w~ report you to tha1 the matter has been settled betwe:en us' when it finally is. If we don'i follow tti~ie 'rules, weun'tcolled the first SSO oi the questioned.amOiJnt, evenif')lour bUl was correct. . 3. 5p~Ja7 Ruie for C;edir C;rd P~~h~s;s '. ,.., -..' tf ;ou .h~v~a pr~ble~,~ith ;;;~' .Q~'~ihy.~C)r_~;~~s';o~. ~e'~ke~' ~h?t YOLl pj,trcha:~,ed' with a qe.di:t card, "a~q Y~,v,tfjed in good j'aith to correcnhti:problenfwrrh th-e 'rryerthant;-yol'J iTlay ,have the' right nottp--pay !he.remaining amount due:.e.n the 'goods or services:. There are two limitations on this right: ., , -18- ',j I. ..;~-::.'.:~,~';'"..';;.-:',;:...---...- ~;.. ~;.'-~' ~:.: ." I j lci}rolJ>:lilait-trave'~rhade'the.purthase In your horne nat~'or, if not-Withi~,-yOt:>r: home st.ate, Within 100 miles: of your current rn~i~ng.~ddf.es.s; ilnd (b~)h~ p~'rfhaS,e price must have been more than $,50. Th';;~'~Ji;i;ti~ns do not apply if we own or operate the merchant. or if W~ mailed you, the ,advertisement for the 900ds Dr servic~s. i ! 1 DISCOVER. CARD CASHBACI( BON P S'PROG RAM TERMS ANb~t6NbITIONS The Cashback. 8.onus"~ Ter~s and Co'j,ditions constitute a separate and independent. agr~ment irom the Cardme.mber Agreement and apply to Accounts that participate in the Cashbad:. Bonus Pro9r.;lm, However. the"! Terms and Ccmditions are subject 1.0 the Arbitration of Disputes section of the Card. member Agreement. which is incDrporated herein. 1. Cashbatk Bonus awards are amounts denominated in dollars and cents which may be accrued by Cardmembers by using their Discol/er"' Card for qualified purchases. Casnback Bonus awards inclLJde Traditional Ceshback BDnus awards and other Cashback Bonus awards as described below. Cash bad: Bonus awards are not accrued for Prohibited Transactions (as defined in the Card. member Agreement), cash advances or'bala.ncl! transfers.. 2. Traditional C:a~hbad:: Bonus amounts are calculated based on purchases made during an annual period conesponding to the Cardml!mber"s anniversary ye.ar as: dest.ribed in paragraph 3 below. The first anniversary year begins on the date the Card is iuued and ends on the Ian day of the twelfth monthly billing period which lollows. Each successive anniv~rsary .year is the appro);imat~ one-year period comprised of the next twelve monthly billing periods. 3. E):{,ept as provided below and in paragraph 4. below, the act.rued amount" of a Traditional Cashback. Bonus award is .c;a}culated by muftipfying the tDtal qualified pun:;hase5 at the end of each billing peori6d by: .25% (.0025). if the purchases aTe part 01 the' fi~h' s1:5oo in purchases during the anniversary year; Dr; if the'pufChi!l!.es are mad-e at select warehouse clubs or di.scount nores, and . .50% (.0050), jf the purchases are part of the seco~d, 1'1,500 in purchases during the ann;versaryyear, and ":~ . . . 1.0% (.01', if the purchases are part of the purchases' in excess of$3;.oOO during the anniver1ary year. :' ,c,' ~.:;::..:.,,, '. . ". -- ,~,. "",' .., Any purchases mad~ at select warenouse dubs-'or discouh{ rtcires will be ineligible for ill Traditional Cash bad:: BOnus' ilmrd in exc.eu of .25% 1.0025) of the amount of the purchases. However, ~ lS- ; j , I I I j 1 , ",-"'.'.-" _..,~..., .... ~""""-""",,,~~""'.' ,.?:t,:is{~~.~l. . "',: ..~'- '. ,.,--I-c-,-.;;...-,. - .,.. '- ,-,...-.--. ....,..;,o<r_~~.".-.":;i;,..... '.",'_'. .'_.;.-_~"""_~""~-"'-" ... ,. '~'-:~~<~';;:':';:''''':;'~<~ .~.,.=-~~ I , .';., ->:( " : -." .",i: . '- ~. I! -, ~.,~.,;~~~....:l.'~:~~:~i~~~:?~~-,; j ii :'J'.::'~~4"""~;o.-~""'''::- ~lor;J::jj, ~~~}:~'0:i~\,S~~~':.~1~~~' 1 :'; ~~~.II ,_.'. ',' . .., .____.;'1'""'_-:-.:._--'-""-.~. ",':~'.:.:.""'-'.,'-'-';';.-'_""'.:i'""~~""",,:,:,,,(- .. "-~<:iJ.t;i~J~~tl~4f,: . r,,-'.-'-'- '_:1 ...~..,~,-}~~~r_.'.:;~--=-~w-~~~~::::~;E:;':.81~~;f~;~~~_~;~;~~;:~:~;~~?r.>~ ,,' ~- i these:purchases-wilf continlJE',tob_e.jnduded:Jn the 'total amount of; purchases_ 'rnade- dLtrlng,~Jhe.~.aon_iyersary' ye6c.and-',os-ed ,to determine the applicable percentag~ :rate' fisted- abo've or_or, other purthases., .P!ea~ ,caU 1~Bop..3-47,~?~3p'",ci.t,yl~!t. o~!,-, Websit.e at Discoverca-rd.com -jor a list of these ~lEct-wareh"ouse-clubs and discount stores, ",t':_ ":It.. .';">;"""~'N' .'- ." fhe:tots', of these ca-!t"ulations tOr eaa;:;~~rMih~ary. YEra.Lj~.'try'e accrued amount of the Traditional Cash bad:: Bon.u~ award, Th~ accrued amount of the Traditional Cashback Bonus award will be made ilvili~able to Cardmembers as ,descr;ibed below prs>vided the conditions con:ti!.il}ed:if,'l'.parag.iilph,:-5:.b'~!DW are...me~ The calculation for the.Tradjticm~1 Gsbback, a.onus'award begins again with the beg.iJ1.ning' 9f_..~a.ch....anriyery~ryY~_~J.:.-" ..... .r .. ""',:.., '_',n.." .' : ....::~ "'," _ ...,~"._._ ,_ ,_ . 4. Cardmemoers may al(qbi offered,from'tim~_.tq tmi~: other Cashbacl:: Bonus awards rr.e.::iJy making a-purct,lls,e-at1a speCific merchant), the- terms. of which, will be disclosed in the offer. TMse pUTcha!oe-s will receive the award amount described in the offer. They will n01 be: comidered qualified purchases for purposes of determining the annual le"el of purcha....es ilnd calculating the Traditional Cash back: Bonus award unless otherwise disclo....ed in the offer. These other Cash baCK Bonus awards will acuue in the Cashbaclc Bonus Account in accordance with these Term.s and Cot\dition$ unless an alternative method of disbunement is disclosed in the oHer. In addition, it as of the date Discover Card d~termines whether a Card member has md the: terms 01 the otter, the. Cardmernoe(s Account is dosed or delinquent, th'! Cardfjlember will'n_P"t .r~(e'i'v~...t~Js. Qth,ei, C.a~shb~tk Bonus award unless otherwise di5clo~e-d.irrth~ otfer,'-no(WiJI the Card member receive a Traditional Ca~hback Bonus aWilrd - on these purchases. The accrued amount of these other Cas.hbacK Bonus awards will be made available to Cardmembers as de..'lcribed below provided the conditions contained in paragraph 5 below are met. 5. AI) Casnbad: Bonus awards will be held in the Cashback Bonus Account. The CashbacK. aon"u~ amount avan-able. for disbursement is the amount in the Cashback Bonus Al:count' a; of the .Ian da,y of the- ,Cardmember's.,-pn~vious - b',iling::.~eriod. However, 'Cllshb"a-tk_ Bonus...awar9s" may ',be ,recfe:emed:'in increments 'of $20.only..-Cardmembers ~ave no_right" to 'accrUed Cashback Bonus amounts of less' than S-20~cr-amDuni{withjr(the $20 lf1creme.nts~ , . ' . >.; ';'- '('~'~,:;: /;;;L:~r",.,:::: . Only.Cardmembers in good,rta,nding with. open ACCounts ,may access the accrued :Casbback. Bohusaward~., in the ,'Ca:shbiltk Bo.nus Account T9 t;te,in..go_od standing a CarQ'memb~r m~Y_flO:t be delinqu@nt las -oestribE'~ below) ~r..if1.def~uJt(as defifi,.~d in the CarcfTlembe.r Agreem~nt}, !'no,a Cardmem'ber may not have used the ::Ac;count: 'fo~; ,any prohibited: lransaC'tions:;':iThe Cardmember is 'delinquenr:.-it .Discover',Card.has' not _rf:t@ivt"Q:a required payment by the. Payment Due, Date shown' D~ the .monthly bjllin9'S"iater:n~~t ..... .. If an Account is ipa~lv.e for 3q JOTlsecutive monthS", any' amount -20- n .. *~~:::;~;5~~~:~:.:~~:~"::~'.~';: ~i_~.;-,~~~,~~~~~,,;,..:,...~,~,: ,:.,;.::..~-..:.;:.;,;..~ '. ",::.~c i I I '~'M<', .:-;::;'......' -:'_,; __ . _ I Of.J.2~ ;in:lq-..~.~~.~(t.-~.eQ;J:.~sPbac:.R .ao.1i:Lfs._.,;aw.~ai:.;.dS.~;.I.1 'pe paid.. tq !be 'ttr-crrreinbei"as ,an A-ccount credJtJnJ2tl ibcremen:.s.~ If. tKe S~ 1D)~lfu9~:;,c?t.:abil~qe~~b.t .of P9},h'ete.~\1~!, 1~:~9't're~~e,d; t~'~\~;amq~}'1'~"YHJ!pe..fptier~;ei::J. If. an,. AfSoun!".rs cll:'s~~':fpr3t1r rl!a~on::'ani;:-Cas:Koack Bonus awards lrI the [aslit?a_c~~.Bon.us Attou~iWI be forfefted. " '- ~_-, oIf.~.' -.. '" .:;:.s,:..~-':O..,.+:.'-;,.~'l:-:_ ~::." ..., j.:_' ''', "'., , :.',:-=:i;'!I',. '_ 6"'.'k~i~ua'ifyipg ,Cardmember, _ may n""e- thtf opportun'jty ,,to choose the ,:'manner ..;Tl whicn.'C.;shbad:. Bonus- award\c are disbl:lrsed. including. a credit.to the, Car.dmember's A((o~nt:,a che<k that is mailed to the Cardmember, or aA-exchange otthe _'a~hback Bon4.~. il;W~rd, fo~r,~s~_\ecy~d..produ~: ,oX sr:,ojff;~, Jbe terms 6f which ~~If.~,b~,~o~ta!r_eQ.j~:t.h~ '~ffe_r.:J,a'n:lJTI,e~~e.rs inay select more than one"redemptlon' method,:howeveT~eilch redemption ~:'and~ e~ai'""redemptionmethod ,;murt be -in :'S20 increme~tr, :Disl:iovep;Qar,dftlay.:thange the:'!edemption :metnods in fu:sole disq,etiol1 Tr,om--time. to _time. It.is .the Cardmember's responsibiJ{ty t6 notify Discover Card i!l tht event a Cashbad:: Bonus disbursement is not received jor any rUSOn. Cardmembers 'may redeem Cas.hback Bon~ awards by c"dling 1. En.YOUR AWARD (1.B77-.96B-7292 {Monday-friday, 7am - ?pm CST) or on the 'nternet at Discovercard.com. Prior to redemptiorl, the transactions on which- Cash back: Bonus awards are calculated may be audited 'for compliance with these Terms and Conditions. 7. In !hI! event a Card is (ostor stolen, the accrued amount of the Cashback BOrius, iilwardS,in the, Ca's:hback:'B.6nu5"~(c6ut;t, the amount of_ 'qualifying purchas.e~";and':tAi_~a'nnii;e~~ry''d~t(iioni the old Account will be transfe'rre~dfcl the'n~w A.ceoum. ~ L(.:. B. Discover Card reserves the right to mak.e other adjuS'tlTlehts to Casnbad: Bonus amcunts accrued based on ACCOunt activity: 'for example., any f!turm will decrement these amounts as dete:rmined in Discover Card's sole discretion. Discover Card iillso reserves the right to truncate or round Ci!lshbaclcBonus, a/Tlounu to the nearest cent as determined in' its sole discretion. 'If the Cardmember receives a Cash bacK Bonus awar-d jnexcess of the amoun.t i!(__ t.I)~. ~~hb,ac~~: a.~nu~~,SF~~.ry.tJ.;,hej: ca!~OO~TTf~e~~ Acc,ou.nt.vvlll..be'"de~rted_ ~pt ,tne.entv.e.' ~1)1ounr.of ~he erro,l)eous a~.ard:~ist)'l:'rseme6r,~h'is:a,:"ount v.-iII~!ifs~1:~93o ~~l.t~rhlS"of the .~a.rdmeJTlbe{ Agr~ement,. incjLidj"g- bur:not.:Hmrted 'tQ ,tbe ~f1\Po,~I&;t[~.,~t;f.i~a,~;~.~ ~f&~~~g}j;~~~~l::;": ;;,,~'~~;1~~~;-:~'~~ ;~il;{ ~ 9, These terms and conditions ,are sGbject't6_charig~.wltt'lout notice. Changes may be made at any time;C1nd- may' inClude', 'bat are not limited to, modifying th.e level_of purcha.ses!.e:Quir.~d..!o QuaJity,:tor th.e various ti':m, establishi):1g a /)l'~x1muni arnour:li:-'of Casb~a_ct B,oo.us_'award Cardmernbers,fT\a~. r:etei\'e, "chllhgiri"g' .the amp_unt,.,that must be accucnula.ted' in'th_e ,Ca,shback_ f.onUs Ac~ouot..bffor:e;,~n awa'rd may bttre~etmed,'~qa/'lging the _types: , of trahsactions that, constitute...a, q~alifred: pY'fchase" ctianging.. . the amount of Ci!lshb,aa Bonus award a'urued _o'n certain type.s of purchases; :iniposing additional rertr{ctions,~'of-terrriinating the program..' " t- -21- ".,.-.. -~'.~ iL"~~'__;'_'''''''''''___' : I~j . . .-.;.,_~;.-'.-,~L~:~;~:L"'_~'lf)<i;~ "','o:.'-'::;:-..-.i.;~~!llf ~Z;:-4t-:...~~"):~~S -.. ~ II -,:~~Y:~:':[~'~;~::.(:'~3:,~~4~;~~~'1 ~, '~'T.~~il;;1Ifl~t~' IJ ~;':~~::?I;;;~~I~~:II' ~"~:':"~~:':'::".~'~.~'-.,j ~:;:~',;.-., .,.,.._'~.,.~-_...':;.:-~;_:;;;:ffj~~~tfikit~rfj~~~0~.;'.;:;;-,:"~~~"~"-.._,~,",,,,,,,-,:::;;;;-,:,.:-,->;_.;:~ DESCHIPTtON OF.COVERAGf.o-iO 7:'-" -, .-.',-: . ""',:'_"..'-";~'-"',..,.,.-,:, "-""~".i''''''.7';~,;,',~~'I.'' 5CH"DUlED AIR TRAVW ACCIDENT ,IN5URANt<'.D'Kove~ Classic. Cardmernbeqi ~ 'a re,~prov1R_e~~..~ wiin:up,,~ tp~. ,$;; 1 $0,000 Scheduled Il-.ir, Tr~y.el-A.ti:ideT)t", pro:~eqjoll:;:%e'n~,:,_e-[.yoy~~;,e your Discover' Classie Card (the' -credit-card.:): lli Ch~rg~ 'your e-ntire Common Carrier Fare Ticket on :any Comfr;e.tc~a\ Aircraft operated by a Scheduled Air.: Catrier.'-~r.lder.~ a::;lic:e'rise,~io( the transportation of passengers . for hire (herein' ~a/Jed.Si:hedul~d Air Carrier), you,autt;>matically receive 'thIs valuabl~ c:overage.at no-additional cost :.",'i '.';' . :'::. .,;., ;;-::"r '~.' . " .. ;.," -, ". ; :.:;' ,:,;~: Ii..: -;', . ;.:' .'," ;-~ .;:;~.,-:. 'i;" .1 '::" '-'."." ...' The benefit$_of..th, pouC)' pr,ovjliiin,9 your coYera~e ar,!! governed pri~ar.i,J~,.~~t.~,e ~rr..:~f.~~~it~?t~e~ ;~~i&-!.J~f~E.~i ,;~:.:/ _;'." ' -"'Coverage is. underw'(ltten by:. Natlonal'..Unjoo. FJre ':"Jlisurance .company of PittSburgh: Pki (the;'''lns\;/ran'e'~Com'PanY~'l; with offlces in New Yor."- NY. Certain limitations ~nd,~x.ch.i.5ions:;ppJy. PLAN FEATURES I Benefit Amount.s,SO,OOO Fa.mily A99re9..t~ Principal Sum I ACCIDENTAL DEATH BENEFITS. Insurance coverage will be equal to the benefrt amount fDJ:. accidental loss of life, The Joss must occur within one year of the acclden't 1:hat caused the Injury. Family Aggregate Principal Sum means the total amoun1: of insura.nc~ in force on the Cardmember, his or her spouse and their depen~errt. children,toe, .ar'ly o[le;~,.c;d.dent.rtmof.e..t~an ~n~ Insured Person 'dieSi:~ tf:;e_ result oi me.:l,':lj4r\es".re~ej"l'e.tl'.in.!any one arcident. the Family' Aggrega'te :rrindpar 5Gm~wjlr 'pe-;'"p:ro- rat~d and pard in ac.c'orcaoce ~jth' the Claim payment i>'~dJ:5~hl!:- fkiary provisions of the Policy. Once the Family Aggregale Principal Sum is paid 'lor anyone Insured Person in a Family that occurs as the result of anyone accident. no further benetits are payable for further deaths in that Family due to ll"ljurilts received in the same accident. Maximum Acdden'tal Death benefit> payable under th~ Policy, if more than one Cardmember 5uffer{ a loss from the'sam'!!. accident.. ar,e limited ,:to- an aggregate, of, S20.000,DOQ,_for. aU ~~~~rrie.qlbers. ~O:mbirle~., /i.ny reductioh ~{heriefrtS ryecessatY .~b c~.mp'1y ~irh, ~hJs'.limitat\o,n': :-viU b~; m,aoe ,o.n:a ,prtipot.tip.nat~ b~sis.tb eadv~ardmemb~r,upto thit :agQ~E(gate,lirn~o:fllabill1y; Ai_' used'" h'~r'ejn,' Cardmember 'mea6~:'.,~ardtr~rri.b.e.r..)f~;~?,L~~{ insur~d spouse and insured dependent chifc:fr'en; This iggrega'te limit:does notJeplaceor-in any,way_affect1:he Family-Aggreg-ate Pnncipal Sum 'stated underthe P.otiC')>,' ,,:. .__.:. -Inlury~ means b'od_!iy injury:,(a)'which'js:)urtained.' ?s;,a<dk~ct fes~lt. pf .J3n, unintended,' l:Inant~<;lp.ate.d'.a~ci9.enf 1_k,at: is,':'e~_einal t~, the bpdy'"and'that o~cur~ iN.nile t~e'iriju'rec_pe.rsbn\'c.6~e~eg~ under thji'p~licy is'in ;force.'a~g'(brwh.ir;h dire'aly (io_d~pe.r\de.~t 9.f)id:;~ess:, disfa~e, .l)!en!~l' jl}fir.ifiit)-, ~~.6dJly Jnfi.r~lty::9r,'.aF)Y othe:rc.ause}. c~y.se~,.a c?:ve'r~.d.l.oss:':'" ;'__ ,- :,' "':"'; :-.:..: ". ;,._~' ..- - DI5A~PEARANCEiENEfITS.: We -will 'pr~;ume.yo~ 5u.tfer.~d 'Jos~ '~f life due to an accident If: you ~re riding in a- Scheduled Air -" - ; Ca~le r:tka't'..~rih~tll9.e{tWi-'~ 't6ir~ red. accIdent - ani:!' 'c:s.- a - resul1,~.o1 ttJi acdd~t,.:ltlie:;>chedured'-Air Carrier_ is. :wreckeiii'~sjnl:.s;: or disippe!rs;.'and'your 'oody is "not.found withitrone (H year of the acddent;!:'"; ,':2..' '; ::"\': > .. .r, " , . , '.> ' '.. . Th(1~tafQf atl.'.ben~f)~.piyable for you, yoUdp'OU5~ ano')'ou'r dependen(ct1iloren from tne same actident will 'not exceed the 5150,000 Family Aggregat~ Prlncipal.sum: . ' - ,. EUGrBIUTf. This livtomatic im.uranc~' is provided to ~ligible ho'Jdel1 of the credit card who51! names appear on the 't:redh tard, -.thf'ii"- spouses and their LJnrrarried dtpenQ.ent chi!dre.l'I under age is (iOge 23 if atte'ndi-ri9 5CMo'O! on aful!~time'baii5 and fully depenq~n~-9t}: YOU:,1or s!'!Pl?or:t). How~ver.;~e, ag~ Ijmit.do.e~ not apply to, a:;'G!lUp'~l!"h.o. is .(t\capable o1,;.s_eI1.s(!rtaining employment by reeso"n of mental or physical incapacity. ' . EFFECTIVE DATE5. Your insurance under this plan is df~rtive on the later of: 1) July 1, 2001; or 2) the date you become an eligible person. Your insurance under thij plan will ceas~ on the earlier of: 1) the date the ;murilnce coverage is terminated; or 2) on the date YDU cease 'to be an eligible holoer of the credit cilrd. THE BENEFICIARY. Unless you designate otherwi5e with a beneficiary designation form, your death beneiit will be paid, in equal shares, to the first surviving class of those that follow: (1) your spouse; (2) your children; (3) your parents; Dr (4) your brothers and sisters. ,If.,po ,~_lass, b~s.a survi.vor,the.beneficiary is your estatt:. You may _~!\ciVge.y,~_~T .beQeti~i~iy qy.writingJ:o the Insurance Company at: Accident &' Health Divis.ion, SOD_Wert Madison Street. Suite 2250, Chicago, Il 60661. CLAIM PROCEDURE. 'Claim 1o"rms may. be obtaIned thrcugh the Insurant!' Company, Claim5 10r benefit5 must be filed with the . Insurance Company within 90 days Dr as soon as reasonably possible aft~r the los.s occurs. PLAN OF INSURANCE COVERAGE. You, as a Cardmember, and your SpOU5e and children will be tovered againsi injuries that ~e5ult ,in an accidental death while as a pass.e-nger,in Dr on, including getting in or Ot.lt of, or on Dr off 01, any Scheduled A.ir Carrier i1 the Common Carrier Fare Ticket for the flight was charged to your credit cartl. Companion lic~e't3 i~u~d for fr~ with the purc/:la~e 01 a full- fare common carrier ticket and used 'oy a 5pous.e or dependent child will be considered as fuJJy charged to the credit card, if the corresponding 1ull Common Carrier Fare TIcket i5 charged to tne credit cord, (oyerage is eHectlve when you board the Scheduled Air Carrier, provided the full (ommon Carrier Fare Ticket is pUl:chased, or the travel reservation is made 10r the companion tickets, prior-to boarding such Scheduled Air Carrier. Coverage ends when 'you' ,. alight from the Scheduled Air Carrier., . ._','.~ EXCLUSIONS, Benefits are not payablt if tile loss is caused by or ': results from: 1) seH.inflicted injury or suicide; 2} slckro.e5s, disease" or mental incapacity or bodily infirmity whethef directly_ ~r -ll- --. ---- ... .-.'...'..... ':.';:C:':;;f-\;';~~~.f__~~~'.~'~~: ". "".: .-.' , ~I~~~~jt~~~~&~f#~:,~'.'; . .,.<f-.i....""""..!........, .,...,~~...""';.-";,;...,. ......-......~ ."-' " ~. . ..-. , ,.."._....;.cc;.'-'"_.;.-,;.~,'-,"';...c.,~".!,"O. ...._^~>~.,~;~A~-_.~>^'-""'~.~;~~'~~0~~~~~ --------------=----'-'-. ...,;"'.,., -:I.'-~_":' :; :..~' ... ,'''': . . "'. ':"-:\:~*fJ~j~~ .::;.~J}~,;>..'::}:~!~~1-~i~l, -, .' .. ..... ,..,....,..,..."",...",,-11, ".:,.>:' ,-~~~._~~.~~;tiI:8~~~}1!!; ; ~.;_;-~.?:;":rq,;\::!ll :.: ..' ,cO; ,:-,~:i' ~. !p ij' ~ ;~i 'Ii .1;. ~; ~ ::- ;-""-, "'.. ~~ . ............' - ~ "._.~......._...l .~.'>,f~.r~.~ ' !l ~ -r ~-:.:-~~;.~:~.1-.':.~-:..~::.~~~~~ "...~ :t~ f ..-.r-.~..._,. ~,S,,-~;Jij;~;~:!~f~~~~:;:,-,. . ~,.,' -. ,'.'~ . :., ,1;>:-' indirectly; 3) iniectioos of.any kind re9~;~Ie:d.!5j,;h'bw-,contr~cte-d-, except bacterial-jnfe~Jon{. that, are.dir.eqly;tavsed 'by.,l:totu!\sm: ptomaine poisoning" Of an..accidentaJ ,cut~(J( ,,!\,o~!jrd in,dependent and in the ab:>ence of any underlying .sickness, dis:ease,.~O;f condttion indudil'\g bvt noHimit~d. to diab~tes:; 4) t.ommittin9. O~ attempting to cOmmit ~ fel?nr;,,~~.~,~.~'Rtict'qt~ar: d~~la.r:ed or undeclared; or (6) traV!1 o(fli9/:lqry'pt;..9.l),,~nrvehJ(.le used for aerial navig~ti~H"" as a pil~t, ope'r~tor o"['q-.e.w m~:nber:.. . ,'.. UMlTATIoNS; ~~eri;f!t(Y.J,it~n1y~:t;~rt~fi~:;~!~er:j'p~~~~'~~d: member account! the crerlit., ~ard ~.tJnder""'\'\Inkh ~t.h~. Comrpnn Carrier Fa're TIcke't5 were~~~~~t~~~:L~~~:6-~~t~' ~.~'~"; Beneftti are. not payable .lcr-1bn~s:~e~~fnjtirY1u~!nea\Yhjje on a trip fDr which the tickets.we.r-i!'purcn-ased'witha'.tre:quent flyer voucher. . ~ ..... .., . ., -. Complete provisions pertaifljog to this plan of Insurance art contained in Policy 1/'9029072 issued by National Union Fire lmurance Company of Pittsburgh, fA WIth office3 in New Yor~, NY. The premium for this lnsuranct is paid by Discover Finallcial Services, Inc., out of. income derived from its credit <a.rd operations. Plus!! read this De-scription of Coverage. Xe:t:p it in a sate place with your otn~r insurance documents. This Pen:rrption of Co...er~Qe (Form Num~r S3Q36SP"OC) knot' ii ~c&ntract~l'of Insurance bUt Is simply an informative rtatemenficeac:h'eRgtble Individual of the prindpal provls:ions:'6f't~;"e' Insurance 'WtlHe In effect. ..' -. ..... If 8 tonflict exlrts between a statement in this Description of Cov~r~ge and any provisions in tne Policy. the Policy will govern. Claims a.dministered by: A&H Claims Department. P.O. BOl: 15701, Wilmington., DE 19850.5701, (800) 551-0824. i ~ 1 ! ~ ."';' -' >.-'. ,;, ~t,!",~.. ' .......";; '.','.~ '.:';; " '. ~ ., ~ i., 1 :.i. .. .',;,., i.....' ';>.~~,.;-i;,: 1:0,.:.;.",,;, ~ '~'i~''1.,:;;-, !~.,.-,...,~.; ',.- ;.:..~:'.'. ,-,' .,.,'. -" -24- --.-- ----,....,....-.-- -_._-_....._.,~.;-><-..'.. . . . .. ,.~!.~.~S:~.{,*:~.:L-:.:" .':".....,:;:pE:.,~__-:';.._'~.. "'::'.;" VERIFICATION The undersigned does hereby verify subject to the penalties of 18 P A.c.s, 34904 relating to unsworn falsifications to authorities, that he/she is 'Rnhpl"{- J\Clkin~ (Name) Discover Financial Services Inc., servicing agent of the plaintiff herein, that (Company) Accounts Manager of (Title) he/she is duly authorized to make this Verification, and that the facts set forth in the foregoing Complaint in Complaint are true and correct to the best of his /her knowledge, information and belief. ~ ( ignature) WWR# ~ O'tI;](;J'1{,O C) Q ~ 1- '\l tr( Ir1 t.' '.~c - ~ ~ r ,- ..:t \) --:~'.;\ ....~ Vt ~ '?-- ~ t>-> ~b --1=- ~; ~ I-""'~ f~- ~~W "'} ~1~!J. ..t~,rJ ~- ~~" '\ <.l' ,",0 -:,. 'J;\ lfJ ~ ~~t, _,>-' ,,,,) fX' v:> ..A ." 1; en ....4.- cP SHERIFF'S RETURN - REGULAR CASE NO: 2005-04182 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND DISCOVER BANK VS STRAWSER RHONDA L SHANNON SUNDAY , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon STRAWSER RHONDA the DEFENDANT at 1935:00 HOURS, on the 8th day of September, 2005 at 322 6TH ST NEW CUMBERLAND, PA 17070 by handing to BRIAN STRAWSER, SON a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge 18.00 27.20 .00 10.00 .00 55.20 So Answers: r/~~~ R. Thomas Kline me this .Ll day of 09/09/2005 WELTMAN WELNBERG REL~ By:J~ . Deputy Sheriff Sworn and Subscribed to before A.D. ".. IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff vs. Civil Action No, 0054182CIVIL RHONDA L STRAWSER Defendant PRAECIPE TO SETTLE, DISCONTINUE AND END WITHOUT PREJUDICE TO REFILE TO THE PROTHONOTARY OF CUMBERLAND COUNTY: SIR: Settle, Discontinue and End the above-captioned matter upon the records of the Court without prejudice to refile and mark the costs paid. SWORN. TO AN~SCRIBED before me this -L day ~ ~ " -- of , 2005 WELTMAN, WEINBERG & REIS CO" L.P.A. ----:::::~ '" - ./)/ r~ ._.-""~-_.'---- ~.!c1.ur;~~! ::1::-" '- '.:'nrJy l. Gal\Jlt, NV1'UY :'u;, . :';'.~~~ Ci\- Pl"~~Y_\!~, AHe..:;kt~fi'.l/' I,,-;,I~.~~ I ~ Q;l'.l'Ii9.'~on ~1'l.lO; JHlif j~, !l':,'~:_, . L.__~.___-_'__- ..-...-., ~.~ "-'l>>>i""''''''''"''' f_-~~rv....,.......,... ----- .-I. "'--:"', " . > '--'~ .. "----: C">