HomeMy WebLinkAbout05-4452
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
DISCOVER BANK
Plaintiff
No: OS" - I..I'-I~~
c/OtL~~
vs.
COMPLAINT IN CIVIL ACTION
JASON J EISENBERG
AKA JASON EISENBERG
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
04406182 C A pit KMJ
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
DISCOVER BANK
Plaintif f
vs.
Civil Action No
JASON J EISENBERG
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
~RD
$1
payment due date
June 29, 2005
31 SDSN6A01 0010136
JASON EISENBERG
1340 WIGHTMAN ST
PITTSBURGH PA 15217-1239
Reduce Your Health Care Expenses
by up to 50% with PlanPlus. To learn
more, call 1.800-527.7783 or visit
Discovercard.com/PlanPlus.
406(;;1
PO BOX 15251 /11",11",,,11,,,,11,11,,1
WILMINGTON DE 19886-5251
1.,.11I.1..1..1.1.,1..11...1.1...1.1.1.1....11.1.1.,..111.1,,1
Address or telephone change? Please print change in the space abOve,
or go to Oiscovercard.com,
000006011002000276535000000000000000052000
-
Discover Card Account Summary Closing Date: May 31, 2005 page 1 012
previous balance $3,082.63
account number 6011 002000276535 payments and credits 3,082.63
payment due date June 29, 2005 purchases + 0.00
minimum payment due $520.00 cash advances + 0.00
credit Jimit $2,000.00
credit available $.1,082.00 balance transfers + 0.00
cash credit limit $1,000.00 FINANCE CHARGES + 0.00
cash credit available $0.00 new balance ~ $0.00
EXHIBIT
(IA"
Cashback Bonusllll
Cashback BonuS@Anniversary Date: January 11
Previous Cashback Bonus Award Balance $ 0.00
Purchase Award This Period + 0.00
Cashback Bonus Award Total 0.00
Redemptions This Period 0.00
Cash back Bonus Award Balance 0.00
Award Available to Redeem $ 0.00
Transactions
trans. post
date date
Payments and Credits
May 31 May 31 INTERNAL CHARGE-Off
$ -3,082.63
Nominal ANNUAL Transaction
Average Daily ANNUAL Periodic Fee
Daily Penodic PERCENTAGE PERCENTAGE FINANCE FINANCE
Balances Rates RATES RATES CHARGES CHARGES
current billing period: 20 days
Purchases $0 0.06847% 24.99% F 24.99% $0 none
Cash Advances $0 0.06847% 24.99% F 24.99% $0 $0
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DlsceVER
CLASSIC
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IMPORTANT INFORMATION
ABOUT YOUR ACCOUNT
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CARDMEMBE~ ~GREEMENT
The terms and cor\di'ticns cf your Account. induding
now we calo.flate fine.l'\t! charges. our te-es: and an
Arbitrlltion of Dls.putei 'ecriol"\. YO-II h~vt the righr to
reject the !rbitr,tir:m provision with respe-rt to fl'ur
new Accovnt within 30 days after receiving yt>lJr Card.
as explaine-d in the .. Accept~nc! of Agr~m~nt"
section. .. . .. .... , .. . . .. .. ... .. SEE PAGES 1 . 14
PRIVACY POUCY
A s.ummary of the personal information we coiled.,
when it may be shared with C1tners. end Mow we
5-afeguard the cDnfidentiality an~ security of
information. You may limIT our shadng of svch
information wirh omen... .' .... SEE PAGES 14. 17
BIWNG ~IGHTS
Important information i:lbout YDur rights and our
responsibilities ul'\der the Fi!lir Credit Billing Act . . . . .
. .......... ... .. . .. . .. .., .... SEE PAGES 17. 19
.;
CASHB4CK BONUS. TERMS AND CONDmONS
The ter-rns and conditions of the. Ceshbac\r: Sonu~
aw~rd program. including a description of hew your
award is calculated !nd how tOo redeem it. . . . . . . , . .
..... ... .. . ... .., . . ... '" .., . SEE PAGES 19.21
DESCRIPTION OF COVERAGE
The terms and conditions of the 5chtduled Air Travel
Accident Insurance that is provided ,t nOo charge to
you when YOLl use- your Card to purdia&:!' airline-
tid:ets .... . ........ ... .... ..' SEE PAGES 21 w 24
o 2tlO3 ~eI" Bat\k., MtmlbW FDIC
J04001.D4D3n 1"
EXHIBIT
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. CARDMEMBER AGREEMENT
pieast ~ad this: Agreement carefuUy befl>I"f' LZSing Yl>ur
Pi5COV~ Card AcCount. It contains the terms and conditions of ~ .
yCQ" Account some ttf whk:h may have manged from tamar
moIterials provide:d to )'DUo .in the event of any arff~us, this
Agrvement sbaII tcrnuol ~
We ~tt yollr p~_ SU' tM f"rnra.cy Section on pagl! 10 and
our Privacy Polley for ai:h:litionaJ infttrmation.
The Arbitration o.f Disptltlt5 Secticm DR pa9t , 2 includes a \Yawer
of :a "!umber l'f rightt. jnduding tht right 10 a jury trial
CAROMEM&E1\ AGREEMENT j' . ...~,."".", .
Agree,m!'nt Terms........ >......... ....,.,., ... . .,. 2
Acceptance of kgreement....,....... ,.,.,.., ~
Ust-t>f Your Accc>tmt ....,........ >.......,..... :2
Authorize-a USll'l. ~.~........."...,.... ............ 3
Unauthorized Us-e..,....,.. ... ,.... ......,.,.. ,. '" 3
Cr~it l.imit-AvaUabJe (redit.....,.. .. ,..,......... ... 3
Promise to Pay~ ........,.,..,...................... 4
Month~ Billif'l9 Statement.,.................".... ... 04
MonthlyF'ayment Options.....,..,................,., <4
Minimum Monthly ~Bymt-nt '.... .....'.........."." S
Cred'rt B.alant~1. , . . . . . , , . . . . . . ~ ~ . . . . . . . . , . . . . . . .. . .. 5
!alance T11Inrftrs .. . . . . , . . . . . . . . . . . . . . . . . . . . . . . .. _ " S
Fin.nceO\arges........, ........... .....,.....,.... S
PoerioditFinante O1arge.s.. ............ .......,......, 6
t>ef.u/t Itlte PI.n.. . . . . . . . . . . . . , . . . . . . . , . . . , . " . . ~ . . . B
usn Advante "rlnutction Fet Finance Ch.rge~ ..... . . . ~ .. B
!.alanc:e 7ran~er Trans:actlon Fet fii1ante Chllrges . .. . . : . " 9
Minimum Finance Cherp't . .. .. ... . . , . . . . .. . . . .. . , . . . " 9
Rtturne-d Chedfet:., t...... ,. '........... '..,...... 9
Retur,..!dDis'ov~r CaraCheck ht ...... ............... 9
Stop Payment F~. . . . . . . . . . . . . . . . . . , . , . . . . . . , . . . . . .. S
latt~.......:...........,.................,.... 9
P'~y-by-P'ho!'le Fe!.. ~"""""" '.... ............,. '0
Rt5esrc:hFee.. ...:. '...... ..............,.......... 10
Ovtr1imit;'ei! . ...................... .... ..... ....' 10
Detfll1't~Ac'elerltion-Ccilltttion (pstJ .'.......... ~"'" '0
Cantell.tion:..................................... 10
fl"rjv)c:y ................,...,.......,.,.....,.".. 10
rJectr",nic Communications..,................,....,.. l'
CreO'ltA.utht>ri2:.at;PTlS........ '., ...".... ,......,... 11
Onmge of Terms .......,...........,.'..,........, "
Ch.nge: of Addrm.......,...,.,.,...........,..,.. U
A.5~i9nment pf Account, .. , . .. . .. . . . . . ' .. .. . . . , . . . ,. 12
Arbitr.tion of t>isputes. ,.,...'..,....,. .........,... 12
CC!tnpfian~e with lnlerest Rilte limiu:tioMI ... '.' ... .' .' , , '3
GpverniTJg law .....,.,...,.,.......'.,..".,....,. 13
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guara.nteed r~er'\lations that aT!' not cancel~o' prioT to th!' timt
AGREEMENT TERMS. The word . Account. means your specified by the e.rtablis-hmer;1.. .
Discover Card ACCDunt The word "'Card,'" meanS" iny one or mort
t)i$cD\ler eards issued to you or 'omecme else with your authorj. YDU~ Account may bt used ft)!" poenr:mal, family, hou-sehold and
zation. The words "You., "'your"', Clr "yours. refer to, in addition charitable purpOSeL Your Account may f\ot be used to obtain
to )'CtIJ, the C.rdmember. any other pe~DTl or persons who are- loan.s to purchase, carry or trade in securities, or to :PaY 011)'
also a>l'l't1'Jct1Jafly liable undtr this Agreement. The wt)I'd5 "''Ne'', imount you DWe under this A9T~ment ("Prphibited
"'w. and "our"' refer to Di~ovtr Bank, "the issuer of YOl.Ir Transactiom"l. Pri~r ~C>!ts use, .~itth Card N111st be signed by the-
DGcove.r Card. The WDTOJ "' ALlthocized User" mea.n any person person to whom It IS Issued. We &re 1\0\ re-sponsib1t tO'r the
whom you autnoril! to use your ACCDlJr.t or il card, wheth!'r you refuSilI Di anyone to' accept or honClr a Card or to accept cht>tb
notify us or not. The words "Pricing Schedule'" mean the that we have provided you. You must retum any urd or unused
dtJcument accompanying your Card and Jirtin~ the Finance. checks tp us upon request.
o,lrge rites that apply tD your Account The Priong Schedule- is tf II merchant talk to pro~ide YOUT p~rchase to YOLlr satisfaction
part Df this Agre-emem. ' '. and, at your request. we ISSUI! I creclt 'tQ- )'O'ur Account you will
ACCEPiANcr OF AGREEMEN"f. Th~ u>e of xour Actount or i Card be deemed to ha~ assigned tD us yO'ur claim agams! tht
by you or an Authorize-d U~r, or your faUurr: to cancel your 1 rMrchtl!it amdJtlr any third paTT)' for the crtdrted JlmDunl Upon
ActDunt withil'l30 days after receiving I Card,. m~lIru: you accept . our r"quest, you "9rtt to,. provide us with wrhten e-vidence of
this A9rterner,t irdilding the Arbitfiltion of Disputes provi.l:ion I such i1niB'nment
on pilge 12. Your may, howt~, reje-a tne Arbitration of Your rights Jrld respons:ibilitie~ under the- FaiT Credjt Billing Act
Disputes stltion by providing us a notice of rejection within 30 des~i~d in the billing r;ghts ~ummat)' on pages 17.18, &no on
days after r~cejvjng a Card. at the following addren: Discover tht b1'ck of yPur monthly billing stattrnenl apply onf)' to credn
Card, P.O. 80130-938. >1Il't lake City, lJT 8413o..D.93B. tf you were I card traf\Sictltms. This special r-uJe 1Dr aedn card transectioN
prt'l'iously subject to arbitratil>n with re.spect to iil1'Y At:co.tJnt I' does not !Ipply to purchases miOt with. balance transier chec~
this righ1 tI:> re)tct arbitrstion will not apply to yeu in the- even1 or ~sh advance. Therefor~ if you he"'e 8: problt-m with the
thai the Account has been r~pened or replacement (arlit ar~ ! qlJa\i1Y Df gDOdJ or serYlces that you purch!lsed with a balanc.e
sent to you. YDU!' re-jection nOtice must include- your name:, : transfer cht'c~ cash advance check or the proce-eds of a cash
address, tl!'le~Df'l~ number. A.ccount numher and s;gn!"ture ilnd' advance, yOll do not have the righ' to withhold payment of the
must not be sent with any other correspondence.. uHing us to I amount due.
inmate tnn you rejt-d: the Arbitliltion of Disputes sectIon or AtmiORrZEO U. SER5, /f you want to cam:el the author;""; 01 a
sending I rejenioTl notice in, manner or format that does not t A h d U "I
compty with all applicable require-ments is insuffIcient notice. In. cur~el1 yt o~l~e s.er to use yOllr Account or a Cara, you murt
d '. th h . b notify IJS In writing Dr by telephDne and destroy any Card in that
or er 10 process JPur IlotlC!, we requIre .t t e ncute e: penon's possession. None of your righu under thIS" Agreement
PfrDvi~ed by you.1dl,rectlyff!nd nDt through,' hthird party. Re)e.ct, i~n {other than to pay amounts owe-d} may be ex.erdsed low any
o arbitrctlO!'lWI nota e-t1yourotherng tsorrespon5lblltle5, personnot!p.-to~"sA9 -.men! ClJ' tt"J
d th' A t bl" t rb" t di .oJ ' "1 UJ r~ a n9puTSuan oilpowet
un er IS :l"gre-emen Dr your o. 'Batlon 0 a !l.ra e ISpu.es r of attorney, without OUI separate written a reement (which we
un~er any ~ther account as to whpch you ~nd ,we h!v.e agreed ~o' are not Obligated to give). 9
arbmte d:spllte:s. If you do nD1 send a retectl"n notICe, you will I .
b-t obligatt"d by the Arbitration of DispU1es- section with respe-C1 UNAIlTHORIZE"~ U5~. It a CarD IS lost Dr ~olen, or ;f you think
to this and any prior account you have had with us. even it yCtu that ~ol!'eon! u, using ~OUt A~count or a CArd withtlut YWT
have previoLtsfy sent a rejection notice with r~~t't tc that prior permlnlc:'n, notify us Immediately. You can notify us by
aCCOlJMt. tele-phorung '~B-OD-DISCOVER f1~BO~347.2633), or by writing
DISCOVER (.lI.RD, PO Sox 15155, Wilmington, DE 198B6-1002.
USE Of YOUR ACCOUf.lT, Y!)ur Account may ~e used for: You agree to /!ssirt us in determining the 1acts rfcleting to any
. "'urc:.h~ses. . to purchase or leA$e. goods or services from theft Dr poS"s.ible unauthDrized use of YOUT Accoun1 or a Card a.l\d
p-artil:lpaung mercharm by pr~sentlng YDur Card or Account to. comply .W1th ~uch'procedures as we m~y require in tonn'e-ction
numb!'!. with OUT, Invertlgatlon: It. ~ur rtccrds mdit!!'te that you hav!!
. Cash Advances. 'to obtil.in t~sh advances from partic-ipeting enrolled m an ~utomatl~ brlllng amngem~f1t, such oS II monthly
autpmated teller machines, financial institutions Of other gym membershrp, we WIU anempt to ~rovlde your new Acr.oun\
locations, or by means oi ch~cJ.:.s which we may furnish to you, num.ber to th!t me-rt~a~. ,However, If you no longer wish to
III in at.cDroance with such addi1lonal terms and conditions as CDntinue the ai;11omatlc bdllr\g a.rra.ngement you must contact
may be imposed from time: 1.0 time. the mercn!lnt ,al(~ctly.
. Balance Tranrfen. to tranrler balances trom other creditors or Ol:EPlT UMl~A.VA:ILABLE CREDIT. We will aovis! you of your
to ma~e other transactiDns by means of r.alilin~ tranrier Account credit limit We may impo~e i lower limit that will apply
coupons Of the-d:.I, in accordance witfl such edd"rtion-al te:rms to earn adva.nces, referred to as the cash advance credit limn.
a.I"lC tortoitions as we may r:rffe:r from time to time:. You agree npt to aI/ow your unpa.id balance., int:'udin~ Finance
In lIth::SitiDTl, your Account may be: used to guarantee re::s~rvBtioN OlargJS and fees, to ex:ce~d 'yp'ur ACCDUl'"11 crecit lir:nlt, rt you
itt participating e.rtabli5hments-, You will be liable fOT uce! your Account credrt lImIt. W~ may requert IrTllTleO\ait
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p"yment of the I'rTlOunt by which YD!,J e:;rued your Account wneli there aTe two inltial spedal rat!!" applicable to yDur
aedit limit.. Account and the lower Annual Percentage P..ate WJlI e~pire
We mil'Y increa~ Dr decrease your Account credit Dmit Dr yotJr before the higher Annual Percentige Rate.
cash advance credit limit without notice. The credit available for MINIMUM MOWTHLY (>AYMENT. The Minimum hyment Owe
your use mey, from time to' time, be l'es~ tna.n )'DUr ActDuTrt credit e.ach month will be the $;Urn of any imOLJnt pert due ar;,d the
limit. For purposes of determining your ~vailable credrt., we minimum mo~hly payment. The minimum monthly payment
r~erve the right 10 postpone far up to 15 business days redLJong e~ch month W11l be the greater of S 10.00 or 1150th pf the New
your u;np.aid ba!aT'lte5 by the amount of any payment thet we Ba:lan~ rounded to the next high~r whole collar amount }f anY
receive.. Your .vailable credit will net be IOtrea~ed by the ANNUAL PERCENTAGE RATE applicable to' your A.tcount is
~mount of any credit balance.. greater than 22.99%. your minimum monthly payment will be
P'ROMISE TO PAY. You egree to pay us in U.s., Do!(ars for all the greater o~ S 10 Dr 1I~5th oi the New Balanc!!:, rounded to the
purchases, ~sh advanc.es and balance transfers-including next higher wholl! dollar a.mount. ~e9ardlen of the Annual
i~?litablt Financ! Charges and other charges or fe-es, incurred Pe:rtent!g~ Rates on your Account. if the New E.illant:f G less
by you or any-oM YOIJ a.uthprile or permit to U~e your Account than S'O.~O, the minimum monthly payment wiJI bt the Bmout1t
or a Card, even if you do not notify us that others Ife using your ?f th~ ~~ Bala'.Jce. hying the Minimum Pi!lyrnent Due may be
Account or ! Card. We will epnvert purchases i1nd cash advances In.w~fIC!e'!t to' bring your to.cc.ount balance below yolJf AccPurrt
ma.ct in iI foreign current)' to U.s. Oollan at I rate e:a:lsting pn credit 'Imlt and, consequently. may not avoiQ the Irn?D~ition of
the d!ite of convers:ion. If you ?i!I)' us in other than U.S. Dollars, the D~r}jmit f~t described in the Dverlimft Ft't .Section. We mar
we ITIiIY refuse to ,ccept the p~yment or charge your to.ctPurrt from time to tIme allow you to not make a minimum monthly
Dur cost to convert your paymeryt to U.s. Dollilr.t All checks must payment. and will no't~ you .wh~n thu option 'rs available. If yotJ
be drawn Dtl iUnds on deposit in the U.s. You mer not Ll5e I' cash. 'take ilch.'lntage 01 thIS offtr and do not rn!lk.t a minimum
ad'vanc.e ched. balante 'l:rilns'f~r check or coupc>n, Dr an)' other I monthly po!yment, finance cho!rg~ and any applicable fe~ wili
promotional che-ck draWtl pn any Discover Ban~ tredit card j ac.crue or. your Atcount in ilCCord'ilnt:e with this Agr~ement, ,nd
.account to make payments on your Account. I you must PllY tn€ Minimum Payment Due tor the following
, billing periods:.
If yo-ur Account iJ I joint Account. each of you agrees to be liable !
il"ldividui!l11y i1nd jorntly tDr the entire amDunt owed on your I CR.E.ofT S.~LANCES. We will r~fuild any ttedit balance within
Account. WI!. can accept li!te piiJym~nu or partial payments Dr I seven bUSiness: days from receipt of your 'Written request. If :tou
checks and mDneoy Drders marked "payment in full" or with any do not request a refund, we will alltomatkally refund credit
other restrictive endDrsement without losing any D11)ur rights balanclts greater thi,m $':00 which remain in your Accounl after
ul"loer this A.greemenl , two billing ~riDds.
MDtmil'1. BILLING STATEM.~. Unless we warve our right to do ! BA~NCE TRANSFERS:. We may periodiCally offer you the oppor.
so, we ~t1 senod yt'u . billing ttatement after e.c:n monthly tunlty to transfer bala mes from other creditors Of to. male- other
billing period in which you have a debit or csedrt bBlante of ; i:rilnsilctions 'to YOLlr Account by mum of balance tranrler
S 1.00 or more. The billing state-ment will show all pun:hases, ! c.o~PQns.or checks.. tach offer will contain an initial special rate,
cash Idvances, balance transfers, Finilmte Ooarges and other)' whIch w,II be the Anrlual Perttntape: Rate th,t wll/ apply to
charge~ or fe~s i1f1d III ~ayrnents ;)f other o:ecrts ported to your trar;sferrec balances fpr the time period spec.ified in the otle-r,
A!:cC)unt dunng the bdling penO'd. It Will show YDur New wb]e-ct to the- Default Raie Plan Section, and may contain a
Balance, Minimum Payment Due and Payment Due Date. Balance Tr!nrleT jransa'!ion fee Fin~nt:e O1~rge tor e!t:h
MONTHLY PAYMENT omDNS. You mo!y at any time ?illY the ~alance tfllonsfer mAd~ dun~9 the i:~n:n of the oHer~ as di~c1ose.-d
entire New Billance shown on, yttur billing rtatement, but each I the 0' er a,,!c a.Iset font' 'r; the Pn~Jng Schedule, i'f appllt:abJe.
month you must pay at lear! the Min;mum Payment Due. All After the e:xplra!IOn of trllS tIme peno~ tne Annual Pertenhgt
payments must be mede in accordance with the terms. including Poate that applies for purch~ses WIll ~P'p!Y to ~raru1frred
the payment cutoff time, stated on rOlir monthly billing stitt- balances. Balance. ~af)sfen subJe-n to the lOn,al speCial rate are
ment and we will credit your Account in imordlnce with those ref~rred to ~5 ,s~e-Clal ra,te balance tral'\Sf~rs; balan-ct tri!lnsteTS tDr
'terms. In adortion, we reserve the right to change those terms ~~JC~ t;e ~~i1lal speCial rat~ has e-x:pHf'd. are ~eterrfd ,to as
without prior notice.. We. will apply payments ana credits to the P ~ ~. r l.t balaflte traT'lSleli. ht:M O'tier wlll contam an
New Balance shown on your current billing rtatemen't ifl erder of :xPJri!ltJDn date.. If yo:u p?-e-mpt tD tra~fer balances. by me~ru: O'f
the Annual Percentage R.ate applicable to the balant:e of each check after the expJr<:tlcm date, we WIll 'Uut thE: traTl~pctlPn as
transaction catt-gory (as referenced in the Periodic Finance iI cash advant:e. We WIll not make ~ala,ntt transfers attempted
Charges Sectionl, irom low!.st tCl hignen bep;nning with the by meare of ill' wtJpon after the e;;.p,ratIDn date.
balant:e ,ubjea 'to the lo~en Annual PeJuntage .~ate. VYt the:n FINANCE CHARGf5. You t:ln avoid po!ymenl of Periodic Finance
apply payments Md crecro to' !'1y new trensact.t>Tl$ unng the Ch!rges on new purcna~e~ if you pay the New Balance shown on
~m'e me~pd. HDwtVer, ~e h.ll~e the right to apply payments the billing statement on which tlie purcha~e fint appears by the
and credl'l3 to' balancts with hlgh!-r Annual Percentage Rates Payment Dut' Date, and the F'aymenn and Credits PO that
prior to balances whh IDwer Annual Percentage Ri!i'te~ such as :nate-ment equal or excetd' your Previous. ~alanct. We call this
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the .~race period. - You do !"lot hi'lve a pracr period on balance
trilnsreT1 or cash advances., P~riDdic Finance Cnilrge5 are imposed
on new balance transf'tfS a,.,d tilsn advances beginning with the
date. the trwns.action DtCUr1. .
PERIDDIC FINANCE CHA.RG.E.S.. Periodk Finance Charges are
imposed on all trel"ls.attiDos until the date' of repayment.
Repayme.r.t mUN payment of yovr. e:ntire New blanc!..
K~r, if YOIJ pay the New Balance $hClwn on the current
billing stlte.ment by the Payment Dve Date., and ~ Payments
IiIrtd errdits shown on thIS .rtCl'tement equal ?f exc:eed the
Pn~iDlls Balance, we 'AIm not impos.e Peri!)dit FirulOce Charges
Dn neow purchases:. that i~ purches.es flm appearing on the
current stltemeflt. Otherwi>e, you will rfurve a biHing
statement the. t"lerl month that indudes Periodic Finance.
Charges impo~ed until the da-tt 01 repayment.
We complJtt Perit>diC Fl!'\e.nt.e O\e.rpe:s eac:n day fDJ pIJrch!ses..
cash Bdvancet, and ba.lante _ tfannt'Tl (which we rder to as
transaction cit~gcries) by using the following equation:
Averagt ~l!oi!y tillilnCt: x number 01 dayx in the bilfing period ~ The Daily PeriC)dic Rate and c-orrespt..nding Annual Percentage
Oatty Pe:nodn: Rate.. (y[)U may ref.t~ to the. fine-nct charge Rate th~t apply to, eoeh tral)Sa~jDn catepory is either Ji fixed rate
summary DM the front of rovr, bl!,ln~ rtltemt-nt fcor these i pr ~ va.n"ble ~ott ~ set iorth In YDur Prtcing Schedule. The Daily
amolln~.)Then we add ,,/I the PenodlC FI1'~,an(e Charge;\: for each; Periodic Rate ~ "36Stl1 01 the correspcmdjng Al'\nual Percentage
traO$lC'tlon tategory to get the tl?tal Penocfl.c Finance Ch"rg~s' i Rate. The vilnable AAnual Percentage. Rate: for ., trat'6!lctit>n
for YOl;lr ~cc~unt. The Avengt- Dally blance IS s~own as 2er~ If i tate;tSry is d.tte:rmjr')ed by adding a s?~ci'fieo number of
no Perlod~ FInance Chllr;-es apply to the balaTlce In a transaCtIon i pert~t!lge pOints to the Prime.Rate. This is shown on the Prki/'l,9
category. ) Sent-oule as "Prime of (perce:nta.ge p-oinu}.. ror pllrposes of thts
We use the two-cycle average deily \:.alante f1r.dudJns new I Agree,!,e~t. the P~j~ Rate is the hiphert .rate of intert:t listed
transactions) metnCld of c:alc.uli"i:ing the balance upon which we !J the prime rate In. ~he mol'l!-)' rilte! sectIon of The ~jll jtTe~t
. impose Periodic Finance Che.r;es.. This lpuns if you did n01 P.Y Journal Of") ~e l~rt bus.lOe~s day of the month. The Pnme Rate IS
the New Balance shown Or'l the billing rtnement you rec.eived ~erely /I prICIng !odu and does not represent the lowest or ?-t'st
during the previous billing perit>d by the Payment Due Date. we Interest rate aV611aD\~ 'to , borrower at. a~ banI:: at aoy gl'l'en
will impose Periodic Finance ChargeJ on new purchas.es that firs1 time. Your ~rmual Percentage R.at~ WIll !nCn2~e tif oep"e~se
appee.red on tnal billing rtatement. as: well as new purc.hases w~n ~ht P'Tlme Ra.te changes. rh,.5 ."'-'ang!' ......lll be effect~ve
that firn ifppeu on the CLlrrent billing statemen'\, unless we , be9,Il'mmg on the fJrrt day of the b~lllng ~t:~Jod that begm.s
ahudy imposed PeriPdic Finance Charges on the- purchase'-s on I rhmng the same month as the chan9~ In the- P"flme Rate.
your previous billing st.atem~TI'L We: compute the- average daily! (2.) Annual p~f(entage P;att for P.u,chas.e~
balance for e:ach mnsact:ion t.i'te-pory by adding up all the d.!Uy .
balances in a billing periDd ior a transa.ction category and ~e may have otfe~t-d you an mtrt:ldurtory rate on purcha~e. The
dividing the total by the MumPer of days in the billing cycle. We mtroductC\r)' ra1:e: 13 t~e Ann~al Perc~mag~ Rate that will apply
compute the daily balance for eilch traru:action category on nch to p-ur&.i!!>!'s fpr the tune per!od..5peclfied In th~ offer. .su~je('t.to
day by flnt addl1'lg the fDllt>wing to thl!! previo\Js day'" di!lUy the. Dt7i!1Vlt Rate Plan SeCtion. After e.xplriftlPn ~f thIS time
balame: transactions made that day, fe.es char;e.d tha1 day lInd pe~lod. t~e ~nual Percent.age R.ate.for purthas.es"W11II!lpply. The
Periodic Finance Charger accrued on the previous day's daily ?21liy PeriodIC Rate.5 and. correspDntllT'l~ Ann~all"ercentage R.at~s
bal.ame: and by then subtracting any crt-diU and payments that In eH!Ci on th.e .date thiS A9r~~ment IS turn/shed to you life ~~t
ar~ applied against the batance: of th~ transaction ca-tegory on forth In the Pncmg ~(hedule.
that pay. In c:alculating the dally balance for the previous bi1lin~ (3) A.nnual Percen1:age Rate -fDr Ces.h Advances
period, we cons:id~r the -previous day's daily balance- to ha...~ ..'
been lero Ol'l the fim day of the billing period. Th!! l?<lll~ Pe-rIDdle Ra1e and cc:rres:pondin; A.nnual P~rcentage
. . Rate m effect on the date of thl~ Agl~e:rnent is furnished 10 you
SpeCial rate b.!Ilancl! trins'fen and Sah,lnce Transfer Transaction are se:t forth in the Pricing >CMdule
Fee Finance Charges are induded in the daily balance of the" .
balance trBnsfer tr;,nSCIctlon category. Balance transfers tha-t (4) Annual Percenuge Rate fOf Bala-nre Transfers
were subject to an initial spe-dal rate that has. bee~ 'terminated The Daily PeriD'dic Rate and corre~ponding Annual Percentage.
due tD ill late payment Dr because )'o~ .oU1Standl~!i1 Accou~t Rate in effen for 5P~Cjill rilt~ balanc~ tr~nrlers win be sl!!110rth
b~hmte exceede~ your.A.c~oL.lnt c~edit Umrt ~re ~'so mduded m in 'the offer from U~ under which you make the balance transfer
thIS CltegDry until the: initIal s~clol rot~ D1herwlse would have p.J indicate-d in the Balance Tronsien Section lIbove. purchas~
.s-
e.tpired. In talculating the daily batar)te tri the balance: tranri"~r
tram:actioTl category on the fiTS'!. oay of the billing period we
.stJbtract the t.mp~id balar.ce of tnos.e Balance Tre.~rl-er
Transactiofl Fee Finance Charges and bal.nct tram:fers thn
become purchas.e rai.e balance transfers on tha1 di!lY il'ld we bdd
that unpaid bahmre to the balance 6f the purch~~ transaction
UltegDI')'.
All fee.' chargt'd to your Account are &dded to the punhase
transe.ctiofl categt>ry with the exception of Cesn ADvance
TraTls~ctiofl fee Finance CharBes whkh ar! addt>d to the usn
advance transaction Ciltegory and Balance Tranrler Transact;on
ree Finance Charges whic.h ~re iaodd~d' 1Q the balance trans"fer
transaction Cltegory. tf I 'trans.Jot1Jon is pD~d to.your Account
after the dose of tM: biflin~ period in which it occurs, we will
treat the traMac'tip.n as haVIng cCClJrred on the first day of 'the
bilfing periDd in whic.h it is ported to your Account.
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rate balance tra;nrlers will be subject tp the Daily Periodic P~i!ltt 3% of tnt' amount pf fach nl!'W ca:"h advanc.e. Then~ is a
~nd corresponding Annual Percentage P;ate th,$"t Bpply to minimum Cash Advance Transaction Fee FINANCE CHARGE 01
purchas~ and 't~ Dehult R.ate Plan >e-ction. S;:.DO ar\t:f no maximuTTl Cash Advance Transaction F~e FINANCE
The Dally Penodit Kate amI corresponcmg Annual Percentage CKARGE:~ The imposition. oi CilSr. Adv'arm: jrans~ctiDn Fee
"ate in effect on the date this A9ree~n1 i~ f\Jrnisheod to yClu ,are Finance Charges may resuh in an Annual Percentage Rate for
set forth in the Pricing Schedule. cash advances that is higher than the nominal Annual
DEFAULT RAn PLA~. We will review your Account on tM last Percentage Rilte. All forrm t:)f Cbsh adVil~ces., including the use of
cay pi each billing period to determine th~ Annual Percentage Discever Card checks..- regardless of the purpose for which used
ftates that wHlII?p\y 'to your AccDunt 11'1 rtviewjTl~ your Account, are s:ubject to Cash Advance TrartS8ction Fee Finilntt Charges. T;
we will leok at tt-.e current billing ptriDc a3 well as the previous Pbtain the total Finanre Charge on cash advances for nch
ele-ven bining periods. Any increased rate desc.ri~d below will billing ~rit>d, wt add any Cash Advance- Transaction Fee Finance
IIpply he-ginning with the first dillY of the bJlling p!riod in which Ch~rg~s f,=,r the billing periDd charged und!r this Section to any
M! review yo-ur Account. Penodlc FlnMCe Charges calculated under the Periodic r:inance
Charges Section for the cash bdvance transaction category.
Ii we did not rH!We II reQuired pllyment by the Payment Due
Dste durin~ the billi~9 period it'. wI-wen we review your Account, SALANCE TRANSFER TP.ANSACT10N FEE FlNA.NCE CHARGES. If
then any Initial .special rate on balance transfers .mrl any th~ b:alartce tranrler offer you reeeh..e contaiN J 8alanc!
introductory or promotional rite Of'! purchases: that currently Tranrler Transaction Ft't Fmi!lnce Charge., we wJJJ charge YDU a
applies to yO-l,n A.ccount, and a.ny such rate that we have Salam:e Transfer TransactioT\ Fu F'inloT\(!: Olar;e for the amount
pr.e-vic:>u.sly offered to you, will 'l.erminil'! and the r..andard. of tach balJoc! tranrler made under that offer. If t~rt IS it
Annual Percentage kllte for purchases will apply 'tc:' your balante . B~lante- TraNier 'Transaction Fee Finance Charge in conjunction
of ballnte '!Tansfers a.nd purchases as well as arrr introductory c>I w!t" the. ofter you f!ceiv~d when you applied ior an AccDunt, it
promo'tbn.al fite em purchases and any inn-ia spedal rate on will be. In the amount ~et forth in the Pricing Schedule:. The
bali!lnce t~iIInrlers that we havt previously o'tfered to you. In i imposition ?f blance Transfer Transaction Fee Fin;.",c! Charges
addition, H the nandard Annual Pertentage Rate ior ?ufchils.es: may ~es.u~ In an Annual Percentage Rate for balance transfen
i1 less than 19.99% and during the immediitely pre-ceding; that. tS hl9h~r than the nominal Annual Percentage Rate. To
eleven biUins pffiods we did npt receive ill reQuiredjayment by: D~~illn the. total Financ!.! Chilrg! on balance tr.rlSiell for each
tht P-.yment Due Date., then the 5-tancar ANNUAL' blllmg pen,?d, we add any Balance Ttan.rle.r lral"l~action Fee
f>ERCENTAGE RATE for purchases wi/! be inc:rea$td to '9.99% (a: FIn~nct Charges calrulated under the Periodic Finance Charges
Daily 1'eriodic Rate- of .05477%J. sectIon -(or the. balance transier transaction category.
Jt your outnandjng ~alance exceeds your Account -credit lirnl! a~ MINIMUM FlNA~CE CHA.RGE. We will charge you a minimum
of the day we reVIew YP!Jr Account and your outstandIng FINANCE CHAR.GE o~ S.sa for any billing period in which some
balance exueded your Actount credl1limit as of the Ian day of 1 FINANCE CHARGE of less than LSD would otherwise be imposed.
any billing period in the immediately preceding eleven billir.g' ETURNEO CHE K 'U ch
peripds then an)' initial spedaJ rate em balance tranifers and any IRe FEE. We WI Irg! you a Returned Check Fee
Introduttory' Of prp.motiDn.al rate on purchilses tha1 currentJy. o~ J2i9.DD ;itch til!'e you pay 1:'s with.i1 cheel::. t.hat is returne.d
llpplies tl) your Account, an.d any such r~e that we have U pCi d. ThIS 'fee wrl! also apply rl a debIt 1raruactlon to a depOSit
previDusly offered to you wil! terminate and the; rti!;ndard account. from wI-lith you have authorlu-d vs in wrning,
Annual Percentage Rate for purchases will apply to the balance electronIcally or orally to pefi?dically deduct all pr a part D1 an
of your balantt transfers and purcha~es .as well as any am~Ll~. you owe us un~er thIS Agreemen~ is ffturned l.mpai~.
introductory or promotional rate Dn purchases and any initial ~~r:~ ~~ar~e you ~h~ .fee .the first tIme ~n'y payment IS
special rate on balance transfers that we have previt>u~ly offered e pa d, even If It /s paid upon resubml.ulon.
to you. Jf the mmdard Annual Purchase Rate fur purc:nasl5 it less RETURNEt> DISCOVER CARD CHECK FEE. We will charge you a
than 19.99%, then the nandbrd ANNUAL PERCENTAGE RATE for Returned Checl:. Fe:e 01 S2U)O each time we dedine to honor a
purc:hi!se5 will be increased 10 i9.?9% la Daily Periodic Rate 01 Dis.cover CBrd cash advanc:e check;, bl!lance transfer check or
.05477%'. other promotional check..
If your n:nDdard ANN~Al PERCENTAGE RATE ,prpuTl:h'e~fts is ~ess STDP PA.YMENT FEE. We may charge a Stop POlyrnent F~e of
than 2.1l.-;9,l{, and ?unn; the .curr~nt.and lmmed!ately preceding $15.00 each time we stDP payment at yowr re-quest on a ,ash
e!ev~f\ blllmg peTlDds you either taIled thr~e t1me-s 1p make.i advanc~ ched.. balantt: transfer check.. or other promotiDna.!
re-Qulred payment when dve or exteeoe-d your Account ,redlt check.
limit three tImes: !IS of the Its1: dBY 01 a bilhng: period, then the .
standard ANNUAL PERCENTAGE FlATE fOT purcnases and for ca~h LAltfEE. We. WIll thif9~ )'W il late F-:e. i1 you have failed, il5 01
advances will he inC1used 10 24.99% fa. Daily Periodic Rate 01 the P~ym~nt Due Date, to fTlal:.e the MinImum ?iJyment Due that
.D6847%}. . was rf'burred to be paid by that date. The alTlour;t of the la1e
CASH ADVANCE TftANSAC110N FEE ANAtiCE CHARGES W 'If Fee IS ese-d On th~ sum Df aJl outstanding purchll.>~s, ca~h
. . e WI advances, balaoce tfi1lnrfers, Dther charge.! other fees and
c:harge you a Cash Advanc:e Tratllilctlon Fee Finance Charge of Finance. Charges at the end of the billing periD'd. If the sum is Jess
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. S H 1 othel1, how we safeguard t~ tonficentia~rty and .security :it
than $100, the La1e Fee IS 15. the sum is er::lua to. or gTute information and t~ steps you may take to limn our ~haTin9 of
than S '00 and le:tl than $1,DOO, th~ Late Fee is $25. tf the sum' sLlch information with others. .PIe aU! read it carefully as Tt is part
equel to ~r gr~ater thiln Si,DDO, tne Late Fee is 535. of your Cardmember Agre!'ment As indicllted in our f'rivocy
PAY-B'I'-PHONE: rH.. We mi'y from time to time allow you tD Pohcy, we may re.port to credit reporting igencies and other
male payments by B1.J'thorizing U3 pover the telephone to transfer creditors the rtitlJS and payment histpry of your Act.ount.
or pery funds fro.m I deposit ifCCOlJnt to your Account. We will including neStative credit informatio.n. We normally report to
ch.r9! /I P!I)'-by-phone Fee of S 1 0 for each .such transfer or such trt:dl't reporting aeencies each month. If you believe _that
payment.. . our repo.rt 01 your Account rtl'tus is inacturate or incomplete,
RESEARCH FEE. We may charge you a Research Fee of $5.00 for please write us at the following address:: Ois.cover Caret PO Box
eaCh copy of 11 billiTlg rtJ'ement o-r sales sriI' that yi:lu request i5.316, Wilmington DE 19B5D-5316. Please inclvde your name.,
Howe'l'er, we will not chlrge ! tee if you- request copies in addre~ home. "ie\ephDne number and ACtoun'! number.
connection with a bilOng erro.r. We may from time to time review your credit. emplo.yment and
OVEkUMlT FEE. W ill charg n Ovullmit r~ each time income records. Our ~enonn.el may Iist.~n to. or reco.rd telephone
! W f If. >:ou i , e di calls between you and our rtpre~entatlVe} In order to evaluate
th!t, as of the close 0 I bllfmg peno~, ~o1fr o~an mg the Quafity of our 5e-rvice to our Cardmembers without notice 10
Account palance ~ceeds your A.ccDunt pedit ,miL ThIs fee may yttu, w~ may use an)' medIum, indudin9 but not nmited to maj~
be: che.rged tV!n if, th.t ?,~l15-actICm .whlch cau~es ~ou to exc:!d live telephone talb, lJutomated telephone equipment,
your Account cre~Jt: !lrry.tt t1 authonnd ?y \JS ~ i'f yDu uc: ed prerecorded 'eleph~H'\e 'calls, Rood !--m2lil to (onact you .about
your AttDunt tredi'! limit due to the postmg of Fman7t .Charg~s your Account o.r offer you prodLJct5 or serviCe{ that flU)' be of
or fees tt) your Aa:oL.lnt. The a~ou~t of the Dverr,mit Fee IsI value to yt:lu. rf you prefer not to be co.ntacte-d in one or more of
blind Can tht s\Jm of all C>utniliTH:hng purchases, .tBVl .dvances" these wa~ call \JS lI1 ,~aDD--225.S202 or write to l./j; at Discover
balance transfers.. ~~er chif.rge5., other fu~ and tlnante Chargesl' ,.rd P.O. 80::( 3D.961 Sill! Lah f"w-., UT B4"l;o.-o961 We p 0 '0
at the end of the bdrm9 penod. If the .sum IS eC!ual to or Jess than ' ' h ..1_ b" '-"}, .. f '. r VI e
S',DOO, the Dve-rlimit Fee is $15. If the sum is_ greater marl' variOla met pI./) y. whICh ypu can ob!am ll"l D,rmatlon ;.bout
S 1 DDO th ern: limit he is $35 ~ your At;tount. We will pnly releas~ s!:'th In.formatlon t!' you, any
. ,e r. , A.utho.rlZed Usen:hit cur It-corDs indICate 15 an avthom.ed bvyer
DEF06.ULT.ACCElDATICH.cOUf:C110N COSTS. You are in default on yo.ur Account, and any othec pe~t)f" with your prior
if yOLl become insolvent:: n you flit I bankruptry p!'1i'tion Of have permission, in addition to as provided in our Privacy Policy or ~s
one filed ,gainn you; if we h.ive a rU50nable be.lief that you are required by law. Dur Jt-Curity measures (annot lnwre against
unable o.r unwilling to repay yo.ur obligations to us; if you are unalJthorized inquiries: You agree that we will n01 be
dedared intompetent by a court or jf a tourt appoinU a responsjbJe tor the relea.se of in1'ormation to anyDne who, even
9.ua.rdi~n for )'01./ or i tonS-eNator fer )'0\)1 aneir. jf YDU d11!!; or if withpU! your avthorization or permission, hu gaintd
If r.ou filiJto cDmply witl'i 'the terms of this Agreement, jm:lIJoins: p03senion ot a Card or haJ learned other identifying
hilling to make i5 required payment when due, exceeding youd chanct.erinics abpl1t you such aJ your personal identification
A.ccount ere-oit limn, or using your Card or Account fo.r ,a' nvmber, Account number or s,=,cial se(urity number.
Prohibited Trilllsaction.. If you ere in de-blJlt. we may dedare the ELECTRONIC COMMUNICATIONS W tf h
entire balance of your Accoun1 immediately due and payab-Ie . . .'. e may 0 er you. t e
'-"'w.rthoLJt nptice./f we refer the colle-ct.ipn of your Accpunt to an o~po~un~ty to recerve tert:am .no~lCet t~om \JS tlect.roTl.,c~Jly
~ttomey Of t-mploy an at'1orney to represent us with re9ard to ra he t a~ through the mall, lncJv~'n9 monthly brihng
retpvery of money that you QW!; us. we milY charge yo ttate.~@nts and ~h.ange of termJ ~otlces. T~t' .term5. and
re-aso.nable attorneys' fees and court or ether collection (osts! conCh.~oN. for reeeMng 1hese ~lectronl( commumcatlOns wrJl be
\ permitted by law and as actually incurred by us. We may deja de5cn ed 1M the ofter.
\ !.nforcing PI' nO'!. emorce any of pur rights Linder this Agree-men CREDrT AUTHORlZATIDNS. Certain transilrtions will reQu'lre our
I, without losing or waiving any 'Ci' them. authorization prior to completion of the tra.n~action. In SDme
- CANCELLATION. You may cancel your AccDvnt by notif)~ng us in cases, yo~ may be ~s~ed to p~ov;de identification. If our
writing or by telephone and returning or destroying every Card authoryu:tlt>n s)'steTi} IS not "".orbn9, w~ may not be. able t~
and unused checJ: that we have' prov'r:Jed you 01 course VO-\J will alJ'thonze a transactIon. W't WIll not b~ hable to you If any Dr
. 'b I.., 'd' these evenu happen
mil be responsl Ie to pay any amount you owe us acco.r 109 to .
the terms t)f this A9r~ement If your Account is a joint Account, CHANGE OF TERMS. We may change any term or part of th.1S'
e.ch of you may cantel your Account. We mOt)' t.ancel or suspend Agreement, induding an)' finance charge rate, 1el: or mtthod of
your Account ilt any time without notic.~ We may choose not to. cComputing any balance upon which the finance charge rate is
renew your ACCOLlnt (beyond the expiFation date shown on th' assessed, or add any new te.rm or peart to this Agreement by
i.ce of I Card) wi'thtrut notice. $ending you i written or ell!-ctro.nkally celivt:te-d nertice at leist
PRIVACY, We respec.1 the privacy of information about you an 15 days before the change i.s 10 ~.ecpme effective. We may lIPP!)'
your A.ccount. Our rrivltty Polity inducl~ a.summary of the any such ~hange.to the ol.1tnanorng balance pf your ACCDvnt on
persona' informatio.n 'we collect. whe.n it- may ~ sh2lTed with the effective date oi the thillnge and to new charges made after
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that date.. If you do n~t agret:\o ,th! 'c:han_9~,.y;>lJ'.must r,::,?fYps
in writing Dr electrt>r:m:aUy wrthm"5 +la.ys.~tt~..the:millhn9_'Gf
the -notice of change- at the,'addreS'E"provid~d ,iii;tho!.,"notice.:of
mange, in which [as! yourAc:col.lnt wil.l be doS'~d and you'must .
pay 1.5 the Cllal'\C.l thl!lt>yt>u OWe-;1lS under;the e:c1rli~g. ter~ of .
the unchanged Agre-emeRt '~~r:w~('yo-u:will'h.v~;39t~t-~ ~ I
the chanS'ts in the:- notil'!;::tIs.e.'10f .you/?, AccDu.nt' aTtl!p' the
eff~ct:ive ~etr Df the 'c:hilln9~'.~m'ibe .." e~in '. d..:~CC'..Ptal"l. .'"? f tIo.' .
rtew terms lS ci s.uch. eff!.tj;lvl!-:d.n.,~..even 'if. you preViously
no1:ffied l.t5 that you,did-not 89~e t?' ~i9:a.nge.~ ; "-.'~.:1~:';:.-:'.';.: '.
CHANG~ OF AbPRES:5.:.ff.?~_6~.\th~~~~~t:~,ad~r~~~~&~:JTi~st
notify us'of 'your ne~.i a"ddreq WithIn ;lS::d",yS:..-~::'-:~'f.~"':'t.~;,.-:- .
~j~~~~~~~~~~~*ut;~t1ul~~~~i~~~t~~~kY;; ..
ot7t"se!L ~i~n;Dr ~~e~'r?~r~4~~t1tY(J~o~l~-~,~J~tpjr.g
our pl'lQl" wrirter.,.ttlnse:nt..:~. ,. ,:;,- :~' ,:,.;",,- '~.. _:,;~ ",iN .";'..1
AASmV.TIcN CF-'~lS'MB: In tn! ev'~'j;t'~f ~'n/p~st, ':~;r~sent'or
Mure daim or ditpute (whf.ther based upon contract,. tort,
stJtute.. commo-n law Of el:l:uity) between you and UI ariting ft,?m
or relating to your Account, any prior accDu!11 you hrve hac WIth
~ yOur apphcatiorl, the relatiomhlps wl'lIch res.utt 1ro.m >,?ur
Account or the enTOfctobili'ty or ~(o?e of this arbitrnlon
provision. cf the Agreement or of any prior .8greement, YOU.o'f
we may elect to resolve the claim or dlS'plJ'le by bmdmg
arbmatlDI'l.
IF ElTI<ER YOU OR WE E).ECT MBITI\ATION. .NElTHER YOU .NDR
WE SHAll HAVE THE RIGKT lO.LITIGAT!.. Trf.lJ C!.AIM .IN'CDURT
OR TO HAVE A JURY TRIAL ON THAt 'C!A'M."PRE'KEAJUNG
DISCOVERY RIGKTS AND POst.HEARING APPEAL RIGHTS WILL
BE LIMITED. NEITHER YOU NOR WE SHALL BE ENTITLED TO JOIN
OR CONSOUOATE ClAIMS IN ARBITRAT10N BY OR AGAINST
OTHER CAROMEMBER5 WiTH RESPECT TO OTHER ACCOUNTS.
OR ARBITRATE ANY CLAIMS AS A REPRESENTATrvE DR MEMBER
OF A Cl.A5S OR IN A PRNATE ATTORNEY GENERAl CAPACITY.
Ev-en if ,,11 pJrties havt 'Opted 10 Ii'tig~'te a claim in court. y!lU or
we may elen arbnration with respect to any claim made by a
new party or any new daim5 Is.ter asserted in that lawsuit' and
nothing undertake" therein shall" constitute il warver 'o~~ any
rights u~r this ilrhi'tn"Jr-m proVisitm. ' ,?c~,;,:' ,;::',; ../~~'.:;.~._
We will ntlt invoke our r-'Ight to arbitrate. an iridiv'kli.rill di.jmyoLl '
bring in small daim~ court oGyour $ta'te's eq'liIiVi!I,ll!ht'tDuJrt.;.jf,?ny,
so: long 'as the!" dal,:n. it:pending o?1y._i~ ;~~a.t~ ~OU~ an~~oe~,,~\
exceed 55;000.00. . ,... -':.__"-:-='." ~'- ,"'! " -:
'tour Actount involves lnternJfe:'.~oFt\~~r-c~;:"a~a,ihis 'p[.o~isjbn
shall he governed by the 'Feoeral-'Afbitrstj,i;>b..A.ct)F.AA). The
arbitration shall be ronduct~, 2it ttre- option of wnDever files the
arbitratiol'l claim, by, eith~,f;JAM5tE.ndispU'!-.e'~lt3AMSr=:Or' th,e
Nationa~ .Arbitration Fqr-iJl'13', {fllAF}.'nrr"actordaoce, witJT':thelf
prDcedures in effect when the :claim::js filed: For" 'Cop'y,:g:J.thelr
proced\Jr~. :l.Dfil~ a,:rlaim or:for-:'other '!ntDrrriation,i'Eontart
JAMS It 1!l2D Mafn Street;Sulte"300: INin~; (A'926i4.(pbone 1.
&OD-3S2.5267)" or NAF-at P,D;,Box SOHr,. Minneapolis,. M.N 55405
(phone '.B00.:.474-237.'). ~At.cirour '-written ;,'rtCl.uert.. we, will
advarn:e any arbitr.ati-tm ming; adminlstr.ative .lnti hearing 1e-es .
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which YOLI would' be' req1Jir-ed to .p~y to-pl,lr:.ro~:a dairtr.cf dis,prle
!'s ,. result 01 our electing to arbitra:te thaf,dairn 'Or. dispUte. ,$end
requem'tCl P.O. _~cx .1Si.92., Wilmington, DE 19886--'1:020. The
arbitrator will decide' wl)o.. Will uttirn&~ly b-t 'rer.pbroible tor
paying thClse fees:'ln no'event Will you be.reqvtred to'r~imblJr~t'
~ ~C?[\-enr .arbitration filing, apministratiwe, or hnring fee5 in an
'!rnC?'unt .gruter than what your and our c.cmbined court coru
wcj1ifd pave ,been if the daim had ~en resoNe-d in J rtEte court
with juru.diction. In no ~vent wjIJ you be required 'to P-iY any te~
or ~osts: incurr~d by us in (onnection with an arbitration prp..
seedi~g ~r! .such a requirement is prohibited by law. Any
i1~~r~tjon ~!iiI.ritl.9 wm:~k~ plac.e in tne. tedenl judicial district
wh~r~. you res~de. The ;arbit~ator .shall Jo/lo~ appli~tile :;,ub-'
st"a:nn.v~ l~w tt;' .t11~;,.~rt~nt f~~s~en1.~ th~ !AA atid. appll.
~~It ~a't.~~''C?J h,m,lta,tl.sms and sh~1):np'n?r.dalms 01 p.nvilege
[ecogl"!ll.e,d ~t'-law_'lf requested by any'-party, the arbitrator shall
wtrte an opfnioh"foritairnng the" reasorls for.th"e...iwan:l....The
erbltrator'i d~d5jDrr _wm be final and bindin~ e'X'cept lor any
appnl righu urrrler the FAA and excep1that If the aml;)unt in
controve~sy exceeds S '00,000.00, any. party may appeal the
aw~rd WIthin 30 days to a three-arbitrator panel whith shall
revIew the award r;J~ nDVO. The (Om 01 such an appeal s.hoU bf:
b~rne by tht IIppealing party regardless of outcome. Judgment
upon any awa.rd by th~ arbitrator may be enforced in any court
having jurisdictiol'l.
pur right!: and obligationl U!'l.der this !.rbhr~tion prDvision shall
Inure to the benefit of and be binding upcm OlJr par~n't corpt>-
r!.tiDN, su~sipia~ies, affiliates (including, without limitation,
Dlscov~r F,nilTmal Services, I~'-J, predeces50rsr"sunfuors,
auigns, as well as the offker:s;, dirertDT1 Clnd employees .of f&ch
01 thesE' '!!:ntities, and will also inure to the benefit 01" ~ny third
party ~a~ed as ,a [o--~ef~nda~t with us or with any of 'the
fcreB~lng In a clani'! whICh IS subject to this arbitratiDn provision.
Your tights and' obligation5 under thiJ: arbitration provision shall
;nlJre to the beneftt of and be binding upon aU ptnom
contractually liable 'under this .A.9ree.m~n'l. l>no a-1I Authorized
Users of thi A~~olJnt. Thi, arbitration provision s.haH'-sIJIlI;ve
termination of YOllr Accpurit as'well as voluntary payment" iri'1ull
by yo-lJ.:aMY ,le~arpT'ottedjngs by u5 tD;cDlJe(l a debt ~d by
~~~, .any.:~an~ruptcy hy you l>ntl an(!afi'15yus ~t-'Youf.AccoUnt.
b;IM!\JANCE '\Vim INTE'REsT'P.AT( UMrrATIONS:'W, \nflnd
that thTs~ Agi~e-meht-"will-;(om?IY".~Fth' :il~plicable.\;lnferirt~fate
limitatiD~. YD1J. wi,1I not be required to pay Finane!: Chllfgtj;I1)T
tither"'charg~ al a rate' that':is :great!r,.th"~";:ihe ;intlximum
a.mount permitted by law. It it is ever finally determinelf-tnat,
b~ lorth], Section, the Finilln'[e Charges or other-th,;jr'gcn~nder
thIS Agree-ment would exceed the me"imum lawful amount the
Finance._ Charges and other charges' will be .reduced 'tt>:1I>le
maximum :lawf:ul amouht Any e~ceSS ampul'lt that.. you' have
atrudy paid WIll be vsed to reduce: the outstanding balance of
your Acr.ount.o.r will. be.f~funded to you.by means pf a chec~. iT.l--."
our discretion., ., _ .... . ,_ . ..... :,'~
GOVERNING LAW. This A9r!'~rneTl1..~vill h~ gp~er.ned b). ~h-e ~~~
of the State of .Delaware and applicable: fedefillllaws.,tf al'ly pan
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of thi$ A9ree:ment bectlm'e5. UAenfor~e.aQIe;.it willnClt ma:ke -any.
other part unenfor.cea~.I.~,:! . '~j:~oi~r::ga;~': ::'':,:L: '::.:' '_.> .
.. 'bl.~'coviR'CARb ' :- :':""-":":-';".;
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W"'f{<' " ct.Your~Prlvaf ";;"""'..;i'"..'.'"
. . .. ~." . esp~ ,. "... '_' ". _"Y.,. i":,~~lr"" ,., .1.1.
Our mlSSlOQ ts 't~ pr~~ f~:".'~'tin>-\.lperiC?r ;;P~~~u~:;~.rt..~__
services, arong with. ~e.,pe..~ ,of Jnmd .,K.~o-'fflryg .th~t :X~~r
privacy is seCUTe, W! undt!rstiInd )'Qur concerns about guarding
informiltipn abo-ut you iilnd your Account. We want to au LIre YOLl
tna'!; Wt ha;~ tJl:.en steps. :and will continue to take steps, to
safeguard that inform.titl!'l..
This PdVBC)' Policy de.wibeJ our e'flf~rts: ~Q mMt th~e DOjec:iV-:-s,
It include&" I summary of the following Important iMformatlon:
. A listing of the per$On./ infol'l'nJtion we collect. .
. Th-e circumstances in which we me)' share information with
othen. .
. !he wa~ we safeguard' the ton~~.::l"\ti!.li~ ...and, seru~~ of 1
/Mformatlon. ..,. :.,11-, ..:'_,~'". ',.,. ,~,-,
. Th. st'p' you m.y ,.k.. '0 . limit ,.pui '.sh.ring 'o!',,,!ch ;
informa'tio1l with omers. See Sectiori 4 for complete details.
Ple.aS!. rnd cur Privacy Policy carefully. It will help you under.
stand how we collect and s.h.re information.
1, What Personalln{ormltit>l'\ 00 We Collect'?"
To seNe you better and manage. our busint:n, 11 is im~rta"t that
we collect and mlintain Bccurate perst;>nl!ll informatlol"l about
you. We obtain this information from i1pplicatio~ and. otf:l.er
forTT'li yo\) submit to lis. from your dulings with us and othel'1.-
from ~murner !~poyti~; agenq~. and :jrprn...,ot[l~ ,S?ur:c~,".sufb
as'l?~ Web sites:~ F~r:~~ple_:" , :::. , . -..,-\. ;:~I;"~;':'~': ;~;. ,-.:.: i
~ .We .may, obtail1' iofoT!:Tl.ati~n. sU~:Js':Yl?t'r :~~~'~~,9*ess_:~n.d'
~~~e.,;?f..b~~. f~~f? ::Pt"1~~i~~.,l!l,n.9:~~rr iqf,~ !~i~.~~~ryli;t}~.
~"'~I>'!')' " ;f~f. ~ I;~~~:,:..,._.; o:.f::;.,:~' ':<-.1 ~.~:!4& :~';'~i:;.r
.. We' may obtajl'l:,-inf[ilr;mation:ts,!:Ich.;~i!ls. A~ipuJ;lt paJaf1c;e,s.;
payment his1:Dry,:ro.ur, use.,of. yoor A'f<=!~nt.)~rtd the typef of
.seNices you prefer 'frCI71.YDur 'q"a~sactJo"S ,and oth~ deafmgs
,wi~.usandothert,.;...:::.~',,--:.~:,~.:.~;~:;~;,:."_.,., .,. . .'.:
. We,mCi'Y' obtain jnforri1a~iot! su~,ils.ihi b.il~l"!e~ft6'yo~rJloans,
"with ot.her-lende"is:'and;yoLlr paYJTIe:flt hiS;tpty- with oth~n -h.C-1n" .
consumer repDMing,agerit;i~: ~:.: ,:~::; -,~ ~,::; : ,:" j :::,',; ~:. f' ,'~~:' . .
'-We' ,.My "obum" '1nformatiti;(:$"Ch" as?xoGf.' INi~bet '~e:Nic'e
p'rov1oer, your domJ:in_' ria~i-_, YO'Uf' .~Qmpvter'f'.op:effti1i'g....
syrte:m and Web br~e[:)'our'~~l::rsi:U:.uS! Sr:ld.yblJr;prodlJrj
and service preferences'from your. visits to, our Web. shes..
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l.'1s: P.eriOnal:ll"lfoU'Tlatiori $haredWith Dthej-sJ.:;.~ t-':i!':;f.~6~'i~
W~'1i~it't!-i~ ~~~ring ~'infp~itr6.~ '\t~h o~.h~.~':~~:ry~;.~~'~~'
o'f:fen'ybil re,t.ef\le for. ~rod~ ,!T'ld.~~~'~e; are.prp'(loed ~lr~l
to you from 'us. Fo-r v::ample.',' a:refailer thafacte.putht Disttll-'er.
Card may'tome to Ll5 with a Spe:Ciif! offer fM Ca~dmem!>ert. 'suCh
as.:'1i daco\JJ1t ce-rtificate;~bff:pr/2ldi'Jct vpgrade.': After .c;are.'ft11
considereti-cn pi 1:h! r;atUre: of. the: offer and:'tne cor:nP'Jny;:we
will create a list of Ca.rdmer:r.Dtn who. may be interffi:eo in the
offer based pn certain .ch'i'r~ctediticS.: 'W! will st-no_,thi"offer
directly to those Cardme'mb~ri'~n,bfbajf_ o(tbe..'ieuliletby:..tt:>r
~xampJe, 'j~l!.idJng i'nj"pserfrri~try#ir'fn~ryth!y..~O[h9."St,ateme:nt
or m.,lin; t~~ t;.11:t'?.Er$-~1i~t;Yit'~flt~,DJ..t~1 WQT~~tl~~,l1~ed
to make: tl)e;.o,ffu;"wf.:Ho,.{it?1),6il,~t ~e.1tst..r;:t~ anY':'I1'!t~~m~tlof!
aboLJtl:'"Dw~catdme:mo~s'::iiiitn:::tne" rl'!taiJet~. Howevl!t, .,til,e-ase
unae:ritirfd'tfi',iut yod oo:r~ceivl'!;this typf of bffer trClin:i:iS' aTld
chttbSl! to 'tab' aovant~gt of it' the retJl/rer m'BY the~ ~eiirn.
inform!tior; eb'P\Jt YDU be-cause only Cerdmembers with certain
chari!lrterirtia received the offer,
'There are, howev~r, drcumrtiltJtel in which we may ~hare the
information we called: abaiJ1 yau, as described in Section 1, 'With
other tompanie$ in order to provide you with acces:s to produtti
and S!'Mees and to' .service your Account effectively, as gf'tililE'c
below, We fe~uirt these tompi!lni,tS to ,chere to our: Pr1VilCY
standi!lrds and tD USt this il'i~orma'tion onty tor Vlt"imhec
purpose lor which it WlIS shared" We do \'I.ot allow,.1hem to
disdDse it to others,withol.a.,quJ.:p,ricitr)pprovi_(. .. '_: :-',..;; ~;;":"
.i. Sharing Pe-rsonill< Jnforrijation' "Wii".~ Ouf torpor.ate; !(,amily
We art' part ot the Morgan Stahley la'mily oi companies. Our
corporate family offers a wide varietY of produCts and serviCes
that car. help yov manage your fin!nces, 'n order to provice you
with acces.s to tht~e produrt1 and services, we may share the
information we collect aboU'l. )'ou, 2.5 cescribt-o in Section 1. wJth
other memben of o~r cDrporate family. Thes~ l;.ompaniel jl'l];lud~
financial service p;oyiders,that off~r,mprtgage' J~nding s~~ices.,
- s.ecuritie-s ilnd asset'. mari~{gement' 'setvices;"'"-inves-tm'en1
opportunities a.nd mlJtuahfuncs.;: -and mily'..i~dude"non:.fin;;.ncjaJ
seiYice' provJoer.d.~:tl:ie;~0~~is:our, t~tp'bTilt"~,iarriay ~Dhtin,u~!
tp .9row."':"~}~ ~~,;.:.~ ::-.;. :'J-:4~~:"."': --:..::-:.::,7."....1; ::;.i'~ .;,,,,,~. r! ::"..::::
~~~/raring~ifft~7{atlrlfE?;;n-a-fio'ifrfifh::N~r;.AfflJi~tft:! ?~rvesi!Dr
:- '''l"1alf:etirig'puiposej: ,:.:~: :.' . .;.;,..:.~1 ~~:'_:' . ,"i:.;::"~ - ,:.' :. .!.. :'
We 'may' shar~' ~A.~,' ,'u;f;~~i'i~~','-:V'e; "c~'I!~ct '~i~~~' ~o'\t~~i'
cescribed in Section, 1. wit~ non-affjJiated thirc p~rt.ie:$,
including. ,thos~ that .accept the Disc~ver Can:!".jri-,'ord~r, t':l
pr~vide YO\J wi~~ i1a:.ess to- products a~d servi~es Dfier~ qy~nJr
by these companies that may be' oi "clue. to you~]h,~~
companies include financial service providen, such 2;5 insurailtt
tDmpa,1!!e.~,,..J.hd_rion~'rt~~ncj,~r~ comp.anj~s, SU~ as retF;Je.i"S.:'~. '.'.')
c, Sharing ~eri.onal Jriformarion..with Othen. ", :-.
We may -~hare the' informatibn: .we cDllect about y.ou, ..as
dt::;.cribed in Semol'l 1, with companies that perloTTl'1 support or
marketing s.ervites en our behalf", such as mailing, market
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research and dat~ 'p~or~h-ing:;; other'. f.in'~odal;ilm.ituti6n!'witf\
which we hBIIe joi~i mar~eting, agreen)en~ .or. ~mp~ni~5"th~t
are oUr partnea tor cDbra~91,~ed~. c~r~ pr.o9Ta~; ~r /e.watd
pr:pgra.ms.. We. ma'llil\s.ti share,slJch ip.fopmation.ai perm~~d by
I?w. ....;..,: ..;~C'.~.'. "~"~;"I.;:,.; t..,:. ...
3. HtI'w' Do' We Prottcr:rhe C.tl-nfidentiality, Secutify And
Int&9rity Of Informa'tion About You? .
We maintain p"nysicaC electr~riit; and.~pf.~t;Q'uTii ~i!l~9ua;'ds, ~p
prC1tert 'the information we 'roUect 'about. you. A~l:.eS;s "to $uth
ih.ffJ!matj6n. ~.fe~!q.~jo:1~;dMp~~jS~ti~ ';J,ee#.Jt}i:9~.e(tci
~ertlc~. yP.ur ~fr:Oi.frl~,p!"':p'r_o~'~~ pr.o~~,a,A~ se~~~:,t~ r.o1f
and. whcrare trai~1n.the pte;per hanchn,g .obucb mfo~inatiol1:
EmpJD)'ees '.who v1olai~'t1\e5e~.c~~flOtml~_~T)'".T~q?~~tm.en~~'art
s:ubJep. ~o o~ discjpliryai1 pr?c~. 'Y'h.o/e ~ thirp part!6::pJ.~i~!
siJppon. servl~S, we req\Jirl!' tnem to conform to OlJr prrvacy
nantlards.. . .
It is lmportant that the information we maintain about you is
.ccurate and complete. if you see information in your monthly
billing rtaternenu Df tls.ewhen which sU9gests that our
inform.tion is incomplete or ir:-ac.curJtt.. plnst. write to III at
DiKover Card. P.O. Box 30943. Salt lake City, UT B4t30..{)9~3 $0
that we Ci!ln'vpdate thil information.
4. How C.n Ypu Umrt Sharing of Information Abcut Ypu7
We re1:pectyourprivacY and ofteryou.tnC?icei!li to wh~the:r we
may ihare intormatio'n abolit ybiJwft'ff.o1he'i'f,'::t(lyotfpr!!ef."th"a;
we not shire the- information we.co.lle-ct.about-r.bu/'as described
in Section 1, with non-affiliated third part~i or if you prefer that
we not sharl! that infcrmation with companiei in our cC>rpCtil1.t
family, you may opt ou1, that is.. you may dired us not to share
'that informatitl'n. If you indicate J preferenr.e that we do not
share that in1C>l'1'natitm. please understand thlt you will not
receive offers for :producu and. seM.t,~5.'p'fDVided,_bY..l?;ther
com'panies th~t (Doh; htlp YOl.l.lo~~. f.o:u{:.~!i~~"!J:I~~~mi:2.e:-:yt>U1
financial TesOlJrCei and mana.Qe }'O!JilinaiiEeS." '. : .' .' _.
Tp :l~di~t~ your p~ferenc~~r.:~aiF~;;zr~. ~BO;22S.'$202 ';r -V:~i_t;
to Ul at Dif.cover Card; P_O. B:tix 3-096.~...5alt~b.l;:ityi'_Lq.8:4i3Dt
Q961. If )'PU.hav~ previo~y n~e~ u~",a&!,ut.rovr:pri~ary
pr~f~[1!n~~{t it nOU\~'~~~fY.lo.~e",-s.t;l~galTl.,ul'llas-yq~'c1e~id~
to dian;! yoi.rr'p"refenncet: YouT~rfrten_\~.qt.i~~~~~I~:iJ;'ld.lJ.de
your name, address telephone nJJr:nber and .A;ecount ;;ui1-\Be'r'~)
and shbuld nofbi s~nt witT(an)':otn~r corj-eipondehc~:jHDrdel'
tQ procts~ Y:'Uf r~qUest we requir-e tha1 the ":~q-~'es1'be pro"vided
by you direCtly'and not-thr.cugh.J "fRl(d'parry; 'to'u will need 10
provide us w;th'YDiJf'pre;ff;'re:ric~ 'fl?r'~~~h"_Cf~c!iftara' at~9~n,
y~o.hi!v~'~~.~~:': '-_ h "'~' ,~~:':' .::,-t~. .... ;. ':~'~,';=::" .,.:~<,::".<~:
YOI/ may,.notify':uLaboiit.your ~refereD'ce~;ilt' 'aoy, ti~e::F:YDur:
request '\Yiir .remain In "effett"until 'you hbi1fY."Us"t7the~fWt~!: We
will honor yout requ!'rt anq ;';01'Sh:itejhe:-iriformatioii l.ve'cD11!'ct
about you. utept ~s per-mined by.ib'rli:' fpr iximp!~;teder~lli!lw
permits us to s.hare inforTT\a\iol'o about you: wltb; to.QSumet
reporting agencies. :tervic! providers and maileting 'partnen. It
':',i.
alstr. pen:Oiftr~rJ"O ''5~.re',informatiaM':about:o\JF:'e:~rje:hres. aDd
tran!OlctionS.;,wit~._ you~ such.. as 'yO'ur. Accoun1:' balance' ilnd
pjJymenfhirtc:i~; with o:t:het members 0'1 our cDrpor:ate- famiry. If
yo~ are a'-Cle~.tardmembe~ we will not shart any .intDr:m~tjpn
a~i:!lJt you, .ex.c:ep1 as permitted by law. for- thirty d,Yi -aTter'Wt
?rO'~ide tnis F>c:iI!C)': ~~.~ in order, tC1 give you ~fl. ppport;unity to
Inform. us ibO'ut your prefe~e~ces, If you are an existing
Cardmember. please .'Jr\oerrtal'lo that yoou may contirll.ie to
receive marketing E1tfen directly from othes tDmpanies that
wer~., ~Ife~dy.. ,i~ pro.dl:Jr;tjo~ prior ~p the proceuing ':!f YO-<.lr
r~~~~~;;~~.; ~""~;!:I~~;:l1~ti<;.~...;~\ r~~~ . ,", ;,..;., ':;.' ,.'; '. ',~..;'; .
This f'r~va'C)', r.tlliCj.iJ:;PIp.~i~ed.:l~;th~ :prirnar,y. Cafdm~tnber'listed
or).~!.~~to~~ ~~\'\'l;~~~.~nr j.oiry.re_C'~?r.n~~~~ h~s .t1}t rig/1! to
'!~......lfS a~~~ ,pr:~J~q~~~)Irl.~. w~;~t~.ve,at.J.p~,f requeSt. iilS
i!pp!ymg to _tpe .,~~r~ .Ac~?"if.nt: 'fie.' of not'- S:nar~ information
abol./'t .fDrme(CI.I$1.otnerr; except'ai pefinrtt~d by law. . .
This Pdvary Polity is: provided 1.0 y~u by' Djs~ove:r Bank- and its
subsidi~ries, which rurrently indudl! GTC InsUTilnu Agen~ Ine-
It iilpplles to the Disrover Platinum. t>iscover Gold, Ois~lWer
Cl~jc. DiscC!ver PfivlIte lS5ue.... Discover Irtan;vm Cards., and th!
p're>du~ and ~tvit.es tlf'fej-ed in c.onnection with thos! rard:t,
lMdudl.ng The Regirte:r- card a.glrtration s.erv:ic! (with the
exceptIon of any informaticn registered in cOl'!.~ction with the
SeMte.. Which will nDt be ~harec1). t1: is part 01 your Cilrdme:mber
Agreement and 'provi~es:-,i!1 jvrth~.r._ expL""a,tiQ.rL of..Q12V( _we
col!ect and .share Inio.r,matJo~;1.bY;lT!ay.'ryaye,l:1t.nei-;figh4,t;lDder
n~1e laws th~t app.'y to .this.. ivform.atio~(.P\~as.~, l1ote.that"yo~
wrll al.so receIVe pTrl'acy llotrres 10r other credit card ~ccourrts
yO\) have w'n:h us. as wefl as other-finalTCial products and servke~
prol/ided to YO'lJ by \J:t and DUr affiliates-. You will 'need 10
j~dicate your prt~erel'\[t5 {Of each of these separately as
dIsclosed m the notIce. . .
~ermo,nt ~nd, No~ Dabta .R~siderrts .. Your 'state laws req-uire
!lnanCJi~I, mstitutlons ,10 obtaltl your J:o-ns.e-nt -prior to sharing
mforf!la'f.Jon abQ~ you -wi.t~ others. ~xcept as permitte-d by law,
w.e: ';"'111 not :share ~f.o~ma~IO(l\We "o}lect~Dl.!t~;YOlJ. with nQn-
affl!J!l.t~d third .;;>artl~_or..jj-}'ou ar;~ a~Verrppnt resid!'nt with
compa.'~jes .In' o~r .corp~ra'ii' hmily ''ill-iief.s 'yo'{.J' "all-'us .:it 1~80o.'
D.I~.CSYE~.~n~ aVtn~~I~e~~tt~~{~~.; l~:,,:<;~t .::.~ ;::..';. :.,;.:~;
.... .' ':'.. .~n"'...~ ~.o!:!r;~\.~~.::...jjt0':""t'.~... "(';~':! ,.~"!:;':-(
. . .:; :-~'-,:~ :'1'; . ~."
.:.,
YOU[c BillirigRig-ht5, .
KEEP THIS -NOTICE FOR FUTURE USE'.,'
This nO'tjcp contains, imp6rtanf'in1br:matioM,' ;;b'out"y~t~i r;"g-h.u
and' QlJr respO'nsibiHt!e.I: under the Fair Credit Billing' Mr..: ,'.'." ~:.
1. ,!O'tify 'iJi,in Cas~ '~f Eiror/ or Ov'eitions.Abt;,rit 'y'c;;'ir.Bj!l~., ~..
.'... ..... '.-:1.'
Ii you think your bill is wrong. or if you need mQrt info~rhai:l~~
.bout a: "transaction on your bill. wri1e u. on iI separate sheet of
-17-
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paper at: -the.::adcr.es~.:.li~e~- 'D.nyy~uf.: piU ~ f.or. No~; ~ :.!,liing
E.rrorr..Writ!. to u~..a.s SDoer as ponlble. W~ must he:adTom YOLl
no tater'thr.r.~O d8)'S after we-'sel')t'you_the-firrt plU'C).IJ .wh:ich the
error or prDblem appe.a;red. Ypl{_can 'tel~p~D!'le 'us., but doing so
will ~Dt pre-serve your nghts:. .: >.. """_ '::.'~ ~. '. ",::~,
l!l yC!u(}~r,,~n;e,:~~tfi~ f~tl-?~~gjf,1?fft.g!~r(.:". .. ~,~.;~_~
. yo~r nam~ and ~c.oun} ,.\,um:be-r" . .. .
. your doftar-amount 6fthe suspected eitot.: .'~.. ....;
. describt, the error and txplain. if ~u"ca'n: Why'yoii b~f;.eve
.there U an err.or:'lf ytiu;rl:e.ed mort, jr)fDrm~ti?n,.q~tTib~.tt!~
'1~;:/~u;;:;~~~7~1:if.~!~,~i.;.~~~;:~:~~~;1~t~ti~;;~~.
l:utoma'ucaJlr. hpm . Y~,l;I(J~':'!!;tg~ _~r, 4t~I~~., a~t;?unt, "y~L!.PI~
stop the payment on .a:f1r;3"QO~~.Yl?u.thlnkr;."';'f-o~g:To1tDpth.e
piill)'Tmmt, yPur letter m~srreadi w three bUSiness days before
the eU'tol'Mtit payment i1 sch~du)ed tD occur.
2. Your Rights and Dur kesponsibilities After We R~e;"'e Your
Written Notic!
We mlltt ad:.nowtedge )'our Imer within 3D daY1, unless we hllve
corrected the elTor by .then.. Within 90 da:y~, we murt either
correct the error or explain why we believe the bill Wit) correct.
A.fter m receive your letter. we c.anno\ 'try '\.0 [oll~c1: any ,mount
you Question, or report you as deJinql,lent. W~ caR co-ntinue to
bill)"D'u for the amount you qiJe:s'tioIV i..ncltldrrig'fina~ce ch.a:rg~,
anq: -Wt' can :al'ply any:uiipaii:f" al1'l'roJtint ~a9~iFI.rUycH..,.-.,.A:tcounf
credit limit: You do not hBV~' 'i.o,.pClY anY-l:Iuertioned amoun1
while we !Jrt investigating. but you are nil! obli9ated to pay the
pam- of your bill that are not in question.
/1 we find tni!lt we mllce a misU~e on yOllr bill, you will not hii've
to pay Iny finance chargeJ related to iny questioned amount If
w~ didn't mJ;K.e J mirtake, you may have to pay rh:e ljnance
charg~ and you will have.to make' up any missed payments on
the Qumionec amount. In' either '.[Me, .we wllJ send -you a
statement of the -amount YDU owe i~d'the ,dilte .thitit;.is due.
'. ... . .,.' ,-..... '. . .". .... f" .;,CI''''':~' ...;.".1., ,"'::.'"_' . '.
If you J~iJ :to' pay. th.e}~~unt th.~~ ~ff.hjn~ 'y6U: ~~~! 'M.:.'Tlay
report 'Y~u as dehnque"t However, tf .DI,Jt;,ex:pjan~tlo.l'\" dce_s:.pO'f
ioatirly)'Pu and you write w'-wiihin ten: dl;Yi tellJng 'uf;tnaq.ou'
still r.e:fust to'p~)',' we rriw:t tell anY,of!! yv'e report YDll~~6 that.Y~u
have a: question iboU't yoiJr-bill. Anc, w~ must tell you the name
of anyone we' reported YOlJ t6. We muS't ttll' any~fle w~ report
you to that the ma.tter h~ .l:?een s~ttled betw~en us' whe:n it
finally ~.lf we don't follow ttj~ie'fL.iJ~. we-can't,ccillect the first
S50 o,f~: ql:'~~ion~.d.amo~nt. ~v~n .lfy~~r ~!I.1 ~at ~r:..ect..
3. Special Rule Fer Credit Card Purrheses. ._
.:,. I:~" . ..,' ",;, .::. .-",:" ..',. .' ,,,'<'!:~:'-';: :.: ~'. . '. c.;;.r
If YOIJ~'a .prol;il~r:n. wfth.;the iqu~IitY.~cl'f,~oi>~s Dr: ~er.v:it:es ~t
you P9rcha~eQ with a cre.d;,: card.~al'!tt j'l?~,Vl!q in g~d.iai1:f1 to
ccmect:trye:problerTrwft.Htf)~ 1ryerthant; 'yob TT{ay.ha~ the~'rignt
nClt~tr-pay theJemaining ClrTitlunt d~.;.o.l'l ihe'gpD'Qi Dr service!.
There lre.two limitations on this right... ':. ,> .. I
-18.
I
1
j
I
j
;
(alioUioI:h~':iNlde-"tl1e'purcha~e in your hC/[I1e nat!-'or, if
n~'thm.'yo.:.r; hom~ state. witnin ~OD miles. of .your cwnnt
TD~i~pg.~ddi:ess;;and
(bt~h~ ~~'rCnase prite must hay! Peen more thaI'! ~,50.
=<"='''~ ,";.,':':. .
Tke:se r,mitatitms tSl:I not app)y If we own or Dptmt tht
mel'thlnt.' or if we mailed yt>u.th, .advertisement for the goods
Drs.ervicM. .
DISCOVER" CARD
CASHBACK BbNlJS-'pROGRAM
TERMS ANb''Co'NDrrloNS
i
1
,
!
i
The Clshbac:t )tJnu;~ Terr;;~ I~'d Co~o'jtions co~tut, B
separate and independent. agreement from the Cardmember
Agre-ement and apply tl) Accounts thrt participatl: in the
tashb.d: Bonus Prt>gl7im. However, then Terms and Coooititmi
it~ subject to the Arbitr,tiol"l of Disputes se-ctitln of the uro..
me.mber Agree-me-tlt. wh:ich i.s incorporated herein.
1. Ca::shback Bonus awards are amounts denominated in dollan
and tems which may be accrLled by Cardmemben by L1sin; their
Discover. Card for qualified purchases. u.mbac): Bot'lllt awards
indLlde Traditiona' C!shbad:. Bonus ~wilrds ano other Cashback
50nus sWIm>> as described below. Cas.hbad::: Bonus award) are
!"lot atUlJed for ProhibiteQ' Transilictions. (as defined in the (arQ..
member Agreemerrt). cish advanceS or'balance tranrlers~'
2. 'Traditional CaVlb~ck Bonus amounts: are caltulatea b!sed on
purchll5-es milde during .en annual period cDrresponding to the
Card/Tlember's anniversary year iU oe$uibed in paragraph 3
beIDW. The first anniversary year begins on t~e d!te the Card is
issued and ends on the lart da-y of the tweJfth monthly billing
periDd whkh follows. Each successive anniversary .y~ar i~ the
approldmate (me-year period comprised of the ne:r:t twelve
monthly billlng periods.
3. Ex.t.ept as proviced below and in paragraph 4..beJo.w, the
accrued amount of i' Tradition.1 Cashbad::. Borius award i~
.calculated by multiplying the toul qualified purchases at the
enc:f ohach billing period by: . :'."-;:: . T.
. .25." (.0025), if the purcha;~s are part of 1h~'li~h' S 1 :SOO in
purchases during the anniversary year. or, if tht.PUTChi!~s are'
mad-! at select warehouse dubs or discount storeS, and'
. .50" [.0050), j'f the purchases are pary. 01 tne set~pp"n,SOO in
pl,lrcnases during the anniversary year, and. .... '::':'. ; . .,::
. 1.0% (.01), if the purchases are part of the pun:l)asei..il:! ~cell
Df.~3;.~OO during the annivenary year. . ~ ~~.: ~~!..::;,. ..
Any purchases mace at select warenOU$f dubs:~fdtS~lJnt rt6r~
will be ineligible fDr a Traditional Cath:bad:: BOnus' Jwarti in
~xten pf .25%- (.POLS) of the .mount of the plJrchatet HDwev~r,
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thes!"purma-~ei".\l\tiJl cDnt~J)~,to.be,incJuded~j1) the loUf_ Bl'rJo-unt
of, purc:h~~~ .tr,ad", dl.lTfn~g.',1lie:.anniyersilrf ,y~~cand~trs-ed ..to
determin! the applicable 'per::~n.tagoe:Ti:l'te'ljitei::l- above ,To-T, other
purthaseI.,..P!ea~e ,c~Q. 1:aOD-~4?,:?~9.6;.~~.y~~!t. 9~.-"Web..>it~ at
Diicoverard.com 'for 11 11S't ct tne;e select'warehouse 'clubs ';JOO
disCDUrrt.rtDTes. _' . ",:;"..?T.z :-;-:.~::;...:,~", ::...~,
Th~'iotjl of these ~6)latioris tor ea~fi~t;'ra~~rsar/yb"a.f,)~':trye
accrued amount of the 1radltlonal Cashbad:: Bonus award: The
accrued amourrt of the "raditiDnal Cashbad: Bonus award wilJ be
made lIV1i1able to Cardme.mbe.rs f1S .pes.t:r:ibed belpw provided
the, conditions cDn.tail'#'a::!O''p~(ag_iapli,-S:.b'~!oW ar~.,m~ The
calculation fcr ,the- Tril,iIltic:mal .os.bback" B.Onus. _,'award be'gins
ilgain with the beg.in.nhlg' pt~'a.ch:-an~lveryp;yy~et.I. ..,'.
.. - .,.#., ''''"",,.., '.... >. .;." - "-'.-- '-." ",
4. Cardmembers may'a'~6 be.6ffeied:'from'ti~.th tm;~; cth:~T
Cashbad" Bonu; awards. (i.eZ"iby makin'g a.purchase'-ar/a speCifrc.
merchant), the-. terrro' of which,.will be disclosec in the offer.
These purchases will rec.eiVf: the aWilrd amount de-scribed in the
offer. They will not be considered qualified purth.nes fpr
purp05es of determining the annual level o-t purtha~s il"lO
t:akula'ting the 1rac:lhi.onal Cashbaci:: Bonus award unlen'
otherwise d&iosed in the offer, These other Cuhbac" Bonus
awards will .accrue in the Cashb&d BDnus Account in bcr.ordarKe
with these Terms lod Conditions unless an alternativ! methDd of
disbursement is di.u:losed in the offer. In additicn. it as d the
date Dhtcver Card determines whether a Caremember ha; met
the terms of the Offr:f, the Carcmer!:l8er's Actount isdpsed Dr
eelihQUent. ~~e CareTf\!mber ~1tl'Kcit t~te'~_~.~~I3. ~t\:l:~fl ~~5hr;~c:1:
Bonus iward unless otherwise di~dcserl:.ilfth~'offef;'nofwill"the
urdmember receive a Traditional Cash bad:: Bonus award on
these fJUrcha:ses. The accrued amwnt ot these other c'uhback
Bonus lIwards will be made- av"i)able 10 Cardmembers is
described below prDvided 'the conditions to-f"ltained in paragTaph
5 below aTe met.
5, AU C!lshback Bonus awards will be held in l.he Cashbar.k Bo-nus
Account. The Cashbact. Bonus' ilmount avai'i~b,le-. fDT
disbursement is the amount in the Cashback Bonus Accouiit' as of
the .1a5t day cf the- ,Cardmember's:,.previous' b',iOirig:.'Period.
However, 'Ci!shba.c.l<.' 6oriUS..-2WllT~S~ may ',be: reduriied :'in
i-ncreme"t,"Of. $20,'only,"Cardin~mbirs ~ave r'l.o.r~~trt.~o 'accriJed
Cashback Bonus amounts of less than S-2D~ram6l;1nts: withrF>'lhe-
.S2~ il!uementsi ; . -!. :' ;>i';:~~ t~~;:~;: ~;;}d~:~~!~}':,:,:,:,
Onl)"Cardmembel1 in gDod.rta_!)c1ing witb~o.pel',' ~c.i:c\Jnu,may
aeten the- accrued :G.uhback BDhusawards.. in the ;;'Cashba-ck
Se:nus ACLount Tt;) be.in..9,?Dd standing a Carqmemb'er m~y, no.t
be delino.uelit (as t:lestrlbe:# below) ~r..i!i'de,t~I.!Jt -(as defiry,~d in
the Cardmembe.r Agre-ern~nt), a'no.! Cardmember may'not have
used the':;A.c;eount:.t6r. .any propibited: tran~i!ctilms::;:Xhe
Cardmember is 'delinquel1t..1f. D;scover.,card' bas' not .rereilie-d' i!
required payment by the. P:aymtnt D~e, Date shown' on the
monthlY billing :rtatement' . :'.> . . : - .:,. ,
'- " , .. .,;. ,....,,,..... '. ....... ,: '..
If an Att.C-Um. is'.iJ"Ja_~rv.e for 3& ,.col)s!cL/tiv!' monthS'. a'ny" amount
-20-
'. 'j-';'';<:;'';:.'''''-'''_ ,', I
of J2D ~~~:i~~g~~~'.c!SppaCK .J)'?'if~,~_~a~,~ ~i,1I p~ paid t~
tb!~9(1'i~~,?;-1,:~..en A~p.lmt c.red~lJl;;S~,G JJlqe~~n~~.Jh~
S20 ID~.t$QI!iYl?F~il!}jl~qe~~.~.'"tlt ~~',:t:h~!~.a.r~~"y:r8tre~.~~d;
~9~.a.mq!:'~t_"!:ili!pe_torfe'~c. 1f..a'1.~c,ount.1S ~~~}pr;~.f'f
rUsOh'f' lln;. CaSh&ac:1: Bonus' awards In the Ca~fiba.cI~ .eonu~
~~~qr.~tJ:.t~k~ej~d<' '.: ;:' ;,,_:-.;~ ,_,::.::_i ~ ~t;.;;l~t.:. .L"";'::;
6'.,~4::Cj~l1fy1j;1g" CaFdrnember:.m,ay 'have the:' 6;iportunity,.to
chD-i>se 'fh~; milnner ,in; which-. 'Cashback Benus. awarPi:, are
di.tbl:Jrsed.including.1o t:Tttii1.10 'the, CaJ;dm~m!:>ers Accoliint,<.a
c:he-ek that is lTIailed to th! Ca;rdmem~r, or :6740 exchange; otthe
~1I~Q?~c:k ~~nlls....a.~r.d, fp>>!'}~'.e:~.!;:p_~r~d~~:.,C):- ~~p'j~~.. JQ!
terms Df wli,ch \ylll be ,col'l.taineo,lfi'fhe otfer;,Cardmern~rs may
s.elect mt>F~ th'a'n'.'o~e "rede'mptlo,fj: n\i!thDt( 'hDw~vet'-~a'ch
redem.ptio.n ~!int:l~ !!ath1-"zedeltlPt!C1.n 'method ;.must b~ -in :.S~O
increm'el:!tt :Oi-"COVet:;G&~d~ilY.i,thiTJge tli~,'r:edemption .methods
in m:wlr [jiscs:etio1'l' nom 1:ime to ,time., 11';5 iht Ctlromember's
resp'onsibility to. 'notify Discover Card i!J the ~ven1 it. Cashba.d:.
So-nus disbun;ement is nct received for any reason.
Cerdmernbel1"may redeem CBshback Bonus award5 by c.alling 1-
B77.YOUIl. AWAAD O.B77-.968-7232 (Monday.Friday, 7am. 'pm
CST) or em the- Int~rne1 at Discovercard.r.om, P'rio-r 10
redemption, tnI!' transactio-ns on which- Ca.s:hback hnuJ iwards
are calcula1e-d may be audited for tompHanc.e with thtn 1erms
and Conditions.
7, In the event 11 Card is lo-st 'cr stolen, the a-=trUt:d amo-UT1t pi the
Cashb!ck Bonus awardf'.in the Ca'snba'ck;'B'6nus;1m:6unt, th-e
amount of 'qualifying purtha;~i'iand"thra'nnivefs~T}P-O'ite.:tfom
the old AcCount will b~ trClnrfehed';16:tn{r;-~vlAci:oiint':; ,,~ol.,
B. Dis.cover Can:l'reserveI the ri9ht to- make other aojuS'tments to
Cllshbatk Bonus amO\.ln'\:s. ilccrued based on Acccunt activity: fo-r
example. any retunu will ce-trement these amounts as
determined in Discover Card's so-Ie discretion. Dj~cDVef Card also
reserve5 the righ't to truncate or rcund CashbatlBol"lus llrnDl.lT1'U
to the nurtm cent as determIned in'its sqle olscn:tion, :,t the
urdmember receives it Cashback Bonus award if'\" excess of the
amoL!~J.: ;.0, tt:)~. ~~hb.a~K ~.~nu\t-.~~.~.1)\::tQe:,: Ca!~r;o~rry,be!,5
. ~c:",~l:I.nt~~pl""~e~'d~pr.teQ~ tRt ,the_e~ti.[~" a.T,=!upr ,1>1 r~h(7.TT~g~R.us
a~a~d:;Ilsp~.~emery~,.1JW.'amo-unt ~Jlt~'s,ubL~(t)o 'tDJ .t~r~ 1>1
the-t:aJdmetnber A9r.~ement, indt.idjri~;bLJt'bof1imited 'to ,the
L~p~~!gtfd.,~~.~~a.~t~~ffi~/.s-,~~~r~~~~',:: "~:~;'i~~;;'~'~~ :~~{~:
g, The~t 'terms Bnd r::6ndi1'jons .are -:>object '10. chi!l'nge'.w1tr;o!Jt
ootice. Chi!ln9~s may b~ made at any time,and may indlJd~, 'bo1
are ,nct limited to, modifying th~ 1eve.l.of P!J~~he~eSJ:~quir,~.d,!o
,?ualffy:for the various tiers, estabfis.hing a ma:dTilurri amo'um.,'of
Ca~b~~'ct ~.o~!Js 'award Cardnierrybers .'[ray. r.ece.i~~, 'dJahsitig:{h~
ar:npun~,..tnat mus1 oe accumula,ted in 'the - Qisflback BoniJ~
Ac;6uOt'"befor~'~l"\ ilWard may,be'regeemed;'d}an'ging the typeS
of trin.sactions 'that ,cons:tn~te ,:.a. qj)alified, P!i.,th!;_~.: cnar?.9in9,."
the a"!oun1 ot 4shb.ad:: BOnLJ5 a'ward a:cr.rueo on certiin typ~
of purdlaseSi::iiriposing additional restrlcticns/or. terrriiniting
th~ program..'.:- t. .
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'c. DESCRJPnDN o F.COVERAGE,.,-,', "':~)~
. ~. ....-, - '''''-r.-',','~''''",'"I..'~''':' -,,'I,~;1....r_-:-'~l..-;...'.'!"
SCHEDULED' AIR TRAVWAcclDwr .INSUR,ANCE. .D~",y.~
o~ssic. Cardmernbersi.'ar!~provi~icl<lN.{i~'"'up.~.tP; .s:1~O,D.60
St:he~i1~~d ~r\ jrJ:~:J-A.cclde~t.._ pr~A~Sti5r1;;~o/p;e.~~ff.yd~ji~~
your Dl5cover ClaSSIC Card (the .cred(t.carQ~. t~_ Cf;~rge your
entire Common Carrier Fare Tic!:!!t an 'any Ccmme:rt.i'iil Airctiiln.
o~rsted by i 'Scnedvled" Air.;Carrier..-t.t~de[':a:::);cen~A.or the
tnmspDrtatio.n Df 'parsengen. fpr hire (~erejn' ~Ned.f,thedulf'd
A.ir Camer), )'olJ,aut~matitaJly receive ~hls valuable (overage, at
np'additiDnal cost. :...."0 :'":.' .. . "",. '" ~. "T::'" :;.".,. '".', ..
Th~, b~.neW.~t~~ ?pb'~ p;~,m.;n9 j~'~(~~Ye~a~~)r~ 9c:~~~ed
pri~a~~I~~~~~e ~rr.:~t'l;~t:-Et~!t.~a~tt!1~.r~,~!: ,;~,.:":;.L~~ -:> ;
....c"verage: is. underWritten _bY' b1a1Ionar~Unj~t1: .FJre ':"J~surilnce
Company of Pitl:tburgh,r ~(the;'''lnsl;1rance':'<(PTnpanJ!,!'.l- with
offices in New Yo~l;, ~y. Certa.in limitations ~nd,~.wUsiDns:apply.
PLAN FEATURES
Benefit AmDunt.51S0.0DO Family Aggr>e:gate rrir.tipal S.um
ACCIDENTAl DEATH BENEFITS.. Insurance coverage will be equal
to the benefrt amount itlt attidentallo5S of life. The Ion must
occur witliin one year of the acrident that caused the Injury.
Famity Aggr~gatf' .Prindpal 5um means the toted amount of
i~uranct jn fOlTe on the Cardmember, his or heJ spouse and
th~ir p~pen;1e:nt. chiJdren.fCl-[.@rty D[)e:"cci.den1. 1i...lTlo!.~.tJj,a\"l ?n~
Insured Pe:,Til;l!'. die~, as t~e. r~sul~ oi the.:I~.~ri.~,-fec.eil-'e.d .i~~ ny
one arddeht. tn! Familf AQg~e~6~e :Pi"incfpar SUm.- wilT b~:O~ro--
rated and pard in accDJcaoce' ~ith' the da'irri payment. ~pd'.heht-
fttiary prov'rsions of the Policy. Once the Family Aggre;a1e
Principal Sum is paid for anyone Imured Pef5.on in a Family that
otr:urJ' as the resul1 of llny one accident, no further beneiiu ale
payable for furtt'll~r deaths in 1hat Family due 10 Injuries received
in the UrT'!e accident
, Maximum Acciden~1 Death benefits payaple und~r !b't. politY.. if
more than one Cardmember suHef1' a loss from the 'same
a~~~e.S1t..~ .r.e lim~ed "to' an ag;re:ga~~ ~ ot!~D'BDO,DDO".for. ill
CarcmeiDbers combinec: P.ny reductio,,- 91.b.erierrU necessary .to
c~nip.IY'~rrn:'~hJs"limit~tj,D,n: ~m p!;m,i!I'de. .o.~ .a- J'Jropor.dO;r\a't~
~~sk:'to ~liPi'farpmemb~~. up.t? .:th1s'.i9Q~,~9~.t~., limit?! .Ji~Dility:
As.' used h~reJn.' Cardmember meal1{' cardfne/TIoer.. bJS,~Dt' her
insured tpoust! ano insur~d dep~tJd,ent'Pd1irJr~-ii.~thiS !ggreg~1e
limit:does not.1eplace'or.in any_way_affe-ctthe FamHyAggre;ii:tt
Principal Sum stated under ~he P.Dlicy. . ~.::;<,Y: .....
-In)~ry'' m~ans b~odjjy injury: (.a{which'~is)~.rta'jn'ed.-?;~~/~k~ct
re~.ult. of .ali, I1nj!1ieM"ded,' t:ln!Ont~fJp'at~ti'.!IcCi~erif thh ii :~~.~inal
~~ trye b~df and'th.at. o~cur~ .w,bH.e' tJ:ie",njureope.rs'Dnis. toi.erage
urip~r thii,P.o'ici i~ .in ,fo'rceia'~#'~)~~h)~. ~i!e'~ly (i6.d~p_~h~e.nt
P.t~;ql1ess;, .disfa'~~ .1j\en~il!. il1tfif1'\l+Y, _~Ddj'x jnfiTmlty:.pr."a~y
oth~i.~aus~). ~!:Is~.:a .~~ver:~.lpri: ',~ : -;._:.,,: :~.;..:; :~'::":, '/'.""; .' ~-
DISAPPEAAANCLBENEHTS.: We will'presume.ycu ~\Jt!eT.ed 1.0'55 oi
life due to an ICcident jf:- you lire riding in a- 5ch~duled Air
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t.am~b~.tr':~~~lgeCtm-''a '1:6Vered' acc'lden~ '~ni:f.eS:,;i .resW1:-o1
the: actid~t,:itI1e-':;'Sched-ulect'Ajr Carrj~r. is. Wredea;-.sinks:~ tlr
disapp~trs;:i.n:C'yolJr body is't.lDt10und withirrone {l~ year of th~
at.C!de~r!"; ,..:':'..':.... :'.'\ .': .... . ..'
Th~~;~rQf ~lI.peni~..ply~ble fer you. )'oudpou,;~ ancfyour
dependenf,'/liJClren'fr"om the same aa:jdent will not ext.e-ed the
5150.0DO famJty Aggregate Prlncipal.Sum:. .
EUGrSIlJT'{. This l!iutomatic i~uranc!' is provided to eligible
no1del1 of the credit card whose names appear on the 'credit
cara,-tnei;.. ~ppus.ti .and thek unri;arri!'d i::Iepen6ent children
under age '19 (age 23 if ane"ndirig schebl on a.fuIPt"imeobaiis and
~ully depel'l~!!:n~.p,! Y9~for syppor:t). How~v_er.~e, agf)imi'l: d9:t;s
nDt apply to_ ~;'~.Q.~..d'1.~ho. is .inc:a:pable ot:.~.elf~sJ.mafning
employment by r~eso'n of menta! or phys:ic.al incapacity..
EFfECTIVE PATES. Your insurance under this plan is eff~ctive on
the .later of: l' July i, Z001; or 2) the date you become an eligible
person. Your insurante under thh plan will cer~e on the earlier
of: 1) the date the imlJrance cDverage is terminated; or 2} on the
date yOu cease to be an eligible hDlder of the credit card.
THE BENEFJQA.Rl'. Unless yau desi;nBte otherwise w1th a
beneficiary desi;niltion form, your death benefit will be p!lid, in
equal share-t, tD the fir.n sUrv'iving dass of those tha1 follow: (1)
YOllr Spouse:; (2) your children; (3) your parents:: Dr (~) your
brothel1 and sirterI. H"t:lo ~Ia~s, ~~s.a sUNivor, tl1~.beneflci!i:ry is
your estate. You ma:y:~anee.yp':~r .beQeft~i~Ty -W ~dtjnp..to the
lnsuram:e Company at: Accident &. Health Division, $DD.Wen
Madison Street $lJhe 2.250, Chkago, II &066!.
CLAIM PROCEDURE. 'Claim fo"rms may.be obtained through the
Insurance: Company. Claims fer benefm must be tiled wIth the
. Insurance Company within 90 days er as soon as rea~onabJy
possible after the Joss c>ccurs.
PUN OF INSURANCE CDVERAGE. '(ou, as a Cardmember. and
your s~ou5-e and children will be covered against injuri~ that
~esult ,IT'l an ~cci~ental death while as ,Il passenger., in or on,
rncludlng getting In or out of, er on Dr off of. any Scheduled Air
tArrier if the Common Carrier Fare nc\::.et for tl'-;e fligh't was
charged to your cre-dit c.ard.
Companion ricketl issued fer fre-e with the purcl:i!.~e c1" ill iul~
tare common carrier tirket and used by a Spouse or dependent
child will be considered as fully charged to the credit card, if the
corresponding full Common Carrier Fare Trd:et is charged 'to the
credit card.
Coverage is effective when you beard the Scheduled Air (arrier,
provided the full (ommon Carrier Fare TIcket is pUrch~sed, or
the travel reservation is made for the companion ticl:.etI. prior to
bearding such Scheduled Air Carri!"r. Coverage ends when 'yoU: ,.
alight from the Scheduled Air Carrier.' . '.. .~'::
EXCLUSIONS. Senefiu are not payablt ri the loss is caused by' ;;. :
results from: 1) ~eH~inf!jcted injury or svicide; 2) sicl:ness, djseas~
or mental incapacity or bodily infirmity wn~theJ dire:ctly. ~r
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indirectly; S) irrlm.iOlU td..any kind'r~9.~leJ~~~.t:t;mtritttelt
exct!pt b.!Itterial:infed:ii:>n5 thJt,are.dir.~.;'g~~d b)".~Dtulistn:
ptoTliaine pDi.son;ngoJ iiln..a,cjdel"lta.l:OJtJ)!":~'D~J;d in.dependerlt
ond in the absen~e of any Uf\d~rlyiT19 .sict.ness:. di$eas!;...~r
coruJitipn ;ndu.dfng but l)q1.Jimited. 'l:,? diab,;tes;4J cP"1m~ing ~t
&1ttempting to tbmm~ i tel;>>nt?~ ~~rB~)iCi ~t~ar.'d.~'~la.~~~ or
undecta~d; or (6) tTilY!'1 arlfl~~t~~;..Qt~~n..~"y"ehitJe.ysed tor
aerial navi5'ation. as a pilot, oper~tor p,nt.~y.i m~lJlber.. .
UMfTATlD'N~.;~h~~';~rt1~;;jC~;~~;kf~-;j~~er,r~~~~d:
memb~r .accolJ~~ th~ ~re#ii'<;;~!.~.~nC!e.wr~lf:b..:j!1e., ~Q~~o:l)
Carrier Filr! Tickets: wert-:i.U~;{t)~tg~9:~:/.{;;':':'.~;~-F~ ~S.:'.i
Benefit! are' npt pari'ble1;r'1~~~~~~f~~\if~jn;a:while
on,. trip for which the tiO:.ets.wi!Fe'purt'h:c!sed"withii'tr~1Jeni
flyervDucher. . '." ..... "'.~" :.,',' ,.-:'". .'
Ct:Jmplete prDvlSlons pernil"ling to tnis phl1'l of Insuranc.e art-
cantaine-d in Policy 19029072 issued by National Union Fire
Insurance Comp&l'\)' Df f>rttmurgh, PA with offices in N~ YDrk,
/II.,... The pr~mium for this insurance i.I: pilid by DiscDver Financial
~rVites. lnc.. out Df' income deri....ed from its credit Cilrd
operatiom.
PI~e:se rt,a.d this Descriptittli of COl!era5'e. K~p it in il Solie plJI2
with YOlJr other Insurance d~um.en11.. This D.~,!!p~jPJ:l..~'2t
Coverage (Form Number S303550"OO Jt' noLi! eantract~ o.f
Insurance bUt j, dmply~n Informat;ve rtatemen(to'iach'idj'gibl!
Individua.l of tht pr\Tltip.a.1 prov1sions",W'tlie..1Murani;'-M1ile in
e.ff!tt. . .' , -, . . .... .
If ill cDnflict exists be'twt-en a rtatement in this Ducription of
Coverlige il'\O any provisions in the Policy. tht Polky will go....ern.
daims i1dminiS'tered by: A&:H Oairns Dep~rtl'Tlent P.O. Bo.l:
157D1, Wilming1on, DE 13850-5701. 18OD) 551-08;".
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VERIFICATION
The undersigned does hereby verify subject to the penalties of 18 PA.C.s. ~4904 relating to
unsworn falsifications to authorities, that he/she is
Rnhpr1.- ~nki nr::.
(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.
yJ;~~
(Signature)
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SHERIFF'S RETURN - REGULAR
CASE NO: 2005-04452 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
DISCOVER BANK
VS
EISENBERG JASON J AKA JASON EI
KENNETH GOSSERT
, Sheriff or Deputy Sheriff of
Cumberland County, Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT & NOTICE
was served upon
EISENBERG JASON J AKA JASON EISENBERG
the
DEFENDANT
at 2025:00 HOURS, on the 8th day of September, 2005
at 5 KENWOOD AV
CARLISLE, PA 17013
by handing to
WAYNE EISENBERG, FATHER
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
4.00
.00
10.00
.00
32.00
So Answers:
.-?,r"r:2,o,?P'"
l /,:,,-.-:.;;
'":"~
R. Thomas Kline
09/09/2005
WELTMAN WEINBERG REIS
Sworn and Subscribed to before
By:
~~ <<I{
me this ); day of
~t)~~.D
rot~
. .
.
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
DISCOVER BANK
Plaintiff
No. 05-4452-CIVIL
vs.
PRAECIPE FOR DEFAULT JUDGMENT
JASON J EISEN BERG
AKA JASON EISENBERG
Defendant
FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
WILLIAM T. MOLCZAN, ESQUIRE
PA 1.0.#47437
Weltman, Weinberg & Reis Co., L.P.A.
2718 Koppers Bldg.
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR#04406182
Judgment Amount $ 3,582.63
THIS LAW FIRM IS ATTEMPTING TO COLLECT THIS DEBT FOR ITS CLIENT AND ANY
INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
DISCOVER BANK
Plaintiff
vs.
Civil Action No. 05-4452-CIVIL
JASON J EISEN BERG
AKA JASON EISENBERG
Defendant
PRAECIPE FOR DEFAULT JUDGMENT
TO THE PROTHONOTARY:
Kindly enter Judgment against the Defendant, JASON J EISEN BERG
AKA JASON EISENBERG above named, in the default of an Answer, in the amount of $3,582.63 computed
as follows:
Amount claimed in Complaint
$3,082.63
Interest trom date of judgment
at the legal interest rate of 6% per annum
Attorney's fees
$500.00
TOTAL
$3,582.63
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: i~tlu/- t-A
WILLIAM T, MOLCZAN, ESQ,
PA I.D.#47437
Weltman, Weinberg & Reis Co., L.P.A.
2718 Koppers Bldg.
436 Seventh Avenue
Pittsburgh, PAL 5219
(412) 434-7955
WWR#04406182
Plaintiffs address is:
clo Weltman, Weinberg & Reis Co" L.P.A., 2718 Koppers Building, 436 7'" Avenue, Pittsburgh, PA 15219
And that the last known address of the Defendant is: 5 KEN WOOD AV, CARLISLE,PA 17013
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
DISCOVER BANK
Plaintiff
05-4452-CIVIL
JASON J EISENBERG - AKA
JASON J EISENBERG
Defendant
IMPORT ANT NOTICE
TO:
JASON J EISENBERG - AKA
5 KENWOOD AV
CARLlSlE,PA 17013
/^ .II. (")C..,
Date of Notice: C) ._~ _---'
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 NOTICE TO
A LAWYER AT ONCE, IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR
TELEPHONE THE FOllOWING OFFICE TO FIND OUT WHERE YOU CAN GET lEGAL HELP.
LAWYER REFERRAL SERVICE
CUMBERLAND COUNTY BAR ASSOCIATION
32 SOUTH BEDFORD STREET
CARLISLE, PA 17013
(717) 249-3166
~::<
By: \
James C. "'tar
PA I.D, #42:>24
WElTMAN,IWEINBERG & REIS CO, L.PA
2718 Kopp~rs Building
436 Seventh Avenue
Pittsburgt/, PA 15219
(412) 4:}4-7955
\?lW~c#4406182
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IN THE COMMON PLEAS COURT OF CUMBERLAND COUNTY, PENNSYL VANIA
CIVIL DIVISION
DISCOVER BANK
Case no: 05-4452-CIVIL
Plaintiff
NON-MILITARY AFFIDAVIT
vs.
JASON J EISEN BERG
AKA JASON EISENBERG
Defendant
The undersigned, who first being duly sworn, according to law, deposes and states as follows:
That helshe is the duly authorized agent of the Plaintiff in the within matter.
A ffiant further states that the within Affidavit is made pursuant to and 111 accordance with the
Servicemembers' Civil Relief Act (SCRA), 50 U.S.c. App. ~ 52 I.
Affiant further states that based upon investigation it is the affiant's belief that the Defendant, JASON J
EISEN BERG
AKA JASON EISENBERG is not in the military service.
Affiant further states that this belief is supported by the attached certificate from the Defense Manpower Data
Center (OM DC), which states that the Defimdant, JASON J EISEN BERG
AKA JASON EISENBERG is not in the military service.
Further Affiant sayeth naught.
---"
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L C..8'(Of~~<;~. Cl,~Wl, t.'mafY PVhJic (
A.. )- I 1t'"ullfOI'l fJiegti~, ("
"'y Commif'liBioFi"t:~...i ,~..., .......JI.C"t.Y
,,~p,-- """"""July 16, aooo
This law firm is a debt collector attempting to collect this debt for our client and m~(il'fJi"fllll'lo~ will be
used for that purpose.
AFFIANT 1'7
:NO UJ3SC~~~ my presence this Way
) . .) .
NO
/
~equest for Military Status
Page I of I
Department of Defense Manpower Data Center
OCT-14-2005 12:23:47
Military Status Report
Pursuant to the Service Members' Civil Relief Act
-<c. Last Name First/Middle Begin Date I Active Duty Status I Service/Agency
EISENBERG Based on the information you have furnished, the DMDC does not
possess any information indicating that the individual is currently on
active duty.
Upon searching the information data banks of the Department of Defense Manpower Data Center, the
above is the current status of the individual, per the Information provided, as to all branches of the
Military.
,....-'--, 'Z .
~==-;-WJ \~6.-~
Robert ], Brandewie, Director
Department of Defense - Manpower Data Center
1600 Wilson Blvd., Suite 400
Arlington, VA 22209-2593
The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense that
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 Department of Defense strongly supports the enforcement of the Service Members Civil Relief Act
[50 USCS Appx, SS 501 et seq] (SCRA) (formerly the Soldiers' and Sailors' Civil Relief Act of 1940),
DMDC has issued hundreds of thousands of "does not possess any information indicating that the
individual is currently on active duty" responses, and has experienced a small error rate, In the event the
individual referenced above, or any family member, friend, or representative asserts in any manner that
the individual is on active duty, or is otherwise entitled to the protections of the SCRA, you are most
strongly encouraged to contact us by Fax at (703-696-4156) or by phone at (703-696-6762). We will
then conduct further research. Your failure to re-contact DMDC may cause provisions of the SCRA to
be invoked against you.
This response reflects current active duty status only. For historical information, please contact the
military services SCRA point of contact.
See: http://www..defenselink.miUfaq/pis/PC02.sJ"DR.html.
Report ID:WKUPMALRGK
https://www.dmdc.osd.mil/scra/owa/scra.prc_Select
10/14/2005
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IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
DISCOVER BANK
Plaintiff
vs.
Civil Action No. 05-4452-CIVIL
JASON J EISEN BERG
AKA JASON EISENBERG
Defendant
NOTICE OF JUDGMENT OR ORDER
TO: () Plaintiff
(xx) Defendant
( ) Garnishee
You are hereby notified that the following
Order or Judgment was entered against you
on ():..-f .;l.l{ ( ~()o.s
(xx) Assumpsit Judgment in the amount
of$3,582.63 plus costs.
() Trespass Judgment in the amount
of$_ plus costs.
() Ifnot satisfied within sixty (60)
days, your motor vehicle operator's license and/or registration
will be suspended by the Department of Transportation, Bureau
of Traffic Safety, Harrisburg, PA.
(xx) Entry of Judgment of
() Court Order
() Non-Pros
() Confession
(xx) Default
() Verdict
() Arbitration
Award
Prothonotary
" i!f.h~
PRO ONOT.ARV
JASON J EISENBERG
5 KENWOOD A V
CARLISLE,PA 17013
Plaintiffs address is:
clo Weltman, Weinberg & Reis Co., L.P,A., 2718 Koppers Building, 436 7'h Avenue, Pittsburgh, PA 152 I 9
1-888-434-0085