HomeMy WebLinkAbout06-5096
. .
Helene B. Raush, Esq,
BarNo: 60140
Stewart & Associates, P,C,
P,O, Box 2629
Suwanee, GA 30024
(866) 990-9968 phone
(678) 684-4975 fax
CREDIGY RECEIVABLES INC., )
)
)
Plaintiff, )
vs, )
)
ROBERT LESTER HORST JR, )
)
)
Defendant. )
CUMBERLAND COUNTY
COURT OF COMMONS PLEAS
TRIAL DMSION
Civil Action No.: D i.:. - ~tJ1b
c;()~tr~
Arbitration Matter
Assessment of Damages Hearing
Not Required
To: ROBERT LESTER HORST JR
843 KIEHL DR APT 2N
LEMOYNE, PA 17043-0000
NOTICE
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 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 properly 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,
Lawyer Referral Service
4th Floor, Cumberland County Courthouse
Carlisle, P A 17013
(717) 240-6200
NOTICE PURSUANT TO FAIR DEBT COLLECTION PRACTICES ACT
This communication is from a debt collector, This is an attempt to collect a debt and any
information obtained will be used for that purpose
. .
Helene B. Raush, Esq.
BarNo: 60140
Stewart & Associates, P.C.
P.O. Box 2629
Suwanee, GA 30024
(866) 990.9968 phone
(678) 684-4975 fax
CREDIGY RECEN ABLES INC., )
)
)
Plaintiff, )
vs. )
)
ROBERT LESTER HORST JR, )
)
)
Defendant. )
CUMBERLAND COUNTY
COURT OF COMMONS PLEAS
TRIAL DMSION
Civil Action No.:
Arbitration Matter
Assessment of Damages Hearing
Not Required
To: ROBERT LESTER HORST JR
843 KIEHL DR APT 2N
LEMOYNE, P A 17043-0000
A VISO
Usted ha sido demandado en el Tribunal. Si usted desea defender contra los reclamos
expuso en las paginas siguientes, usted debe tomar medidas dentro de veinte (20) was despues
que esta Queja y la nota son servidas entrando una apariencia escrita personalmente 0 por
abogado y clasificaci6n a escribir con el tribunal sus defnsas 0 las objecciones a los reclamos
exponen contra usted. Usted es advertido que si usted falla de bacer asi, el caso puede avanzar
sin usted y un juicio puede ser entrado contra usted por el tribual sin sota adicional para
cualquier dinero reclamado en la queja 0 para cualquier otro reclamo 0 el alivio solicitados por el
Demandante. Usted puede perder dinero 0 propiedad u otros derechos importantes a usted.
USTED LE DEBE TOMAR ESTE PAPEL A SU ABOGADO INMEDIATAMENTE. SI
USTED NO TlENE A UN ABOGADO NI NO PUEDE PROPORCIONAR UNO, IR A NI
TELEFONEAR LA OFICINA EXPUSO DEBAJO DE A VERIGUAR DONDE USTED PUEDE
OBTENER A YUDA LEGAL.
Lawyer Referral Service
4th Floor, Cumberland County Courthouse
Carlisle, P A 17013
(717) 240-6200
Helene B. Raush
BarNo: 60140
Stewart & Associates, P.C.
P.O. Box 2629
Suwanee, GA 30024
(866) 990-9968 phone
(678) 684-4975 fax
CREDIGY RECEN ABLES INC., )
)
)
Plaintiff, )
vs. )
)
ROBERT LESTER HORST JR, )
)
)
Defendant. )
CUMBERLAND COUNTY
COURT OF COMMON PLEAS
TRIAL DMSION
Civil Action No.: 61- -Stllb C~o~Ll~
Arbitration Matter
Assessment of Damages Hearing
Not Required
COMPLAINT
Plaintiff asserts the following cause of action against Defendant:
COUNT I
(BREACH OF CONTRACT)
1. CREDIGY RECEN ABLES INC. ("Plaintiff'), is a corporation organized and existing
under and by virtue of the laws of the State of Nevada, having its principal place of
business located at 2877 Paradise Road, Suite 303, Las Vegas, Nevada 89109. Plaintiff
is the owner of the account that is the subject matter of this action.
2. ROBERT LESTER HORST JR ("Defendant") resides at 843 KIEHL DR APT 2N,
LEMOYNE, P A 17043-0000, located in Cumberland County.
3. Defendant requested an extension of credit from Discover Card ("Original Creditor") on
a credit card account ("Account"), specifically account number 6011-0027-8026-4081,
and by use of the account Defendant became bound by the terms in the account
agreement, an exemplary copy of which is attached hereto as Exhibit "A."
4. Original Creditor assigned all right, title and interest in and to the Account to FIRST
SELECT ("Prior Creditor"), which Account was thereafter designated by Prior Creditor
as account number 4168-1000-2135-5209. Prior Creditor sent an account agreement to
Defendant referencing and incorporating the terms and conditions of the account
agreement issued by Original Creditor. An exemplary copy of the account agreement
sent by Prior Creditor is attached hereto as Exhibit "B."
5. Prior Creditor duly assigned and transferred to Plaintiff all of its right, title and interest
in and to account number 4168-1000-2135-5209. Plaintiff remains the holder and
owner of the Account now referenced as account number 10181947 and is the successor
in interest to the terms and conditions relating thereto.
6. Plaintiff has exercised its right pursuant to the terms of said account agreement to
accelerate the time for payment of the entire balance due and owing by Defendant to
Plaintiff.
7. The amount now due and owing is the sum of $1,927.83 together with accrued pre-
judgment interest of $2,195.37 calculated at the rate of 18.00% per annum calculated
using the average daily balance method, compounded monthly from November 30,
2001 as evidenced by the Statement of Account attached hereto as Exhibit "C."
8. Plaintiff presented the Account in writing to Defendant demanding payment, but
payment for the just amount owing has not been tendered. By reason of Defendant's
failure and refusal to pay the balance in accordance with the terms of the account
agreement(s), Plaintiff has suffered damages in the sum of $1,927.83 together with
accrued pre-judgment interest of $2,195.37 calculated at the rate of 18.00% per annum
calculated using the average daily balance method, compounded monthly from
November 30, 2001, plus attorney fees of $385.57 and costs as provided by statute and
in the account agreement(s).
WHEREFORE, Plaintiff demands judgment against Defendant in the sum of $1,927.83
together with accruing pre-judgment interest of $2,195.37 calculated at the rate of 18.00%
per annum calculated using the average daily balance method, compounded monthly from
November 30, 2001, plus reasonable attorney fees of $385.57 and all collection and court
costs.
COUNT II - ALTERNATIVE
(UNmST ENRICHMENT/QUANTUM MERUIT)
9. Plaintiff hereby incorporates paragraphs 1 through 8 above as though set forth in full.
10. Defendant received a monetary benefit of $1,927.83, which was in fact appreciated by
Defendant.
11. Defendant accepted the benefits of a credit account issued.
12. By virtue of the circumstances surrounding the request for funds made, Defendant
knowingly requested the funds at issue and/or knowingly and voluntarily accepted the
benefits bestowed.
13. It would be inequitable for this Court to allow Defendant to retain the benefits of the
funds or to be unjustly enriched at the expense of Plaintiff or allow Defendant to retain
the value of the funds at issue without repaying Plaintiff the value of same.
14. In accordance with the law, there is interest due at the highest statutory rate per annum
permitted by law from November 30, 2001.
WHEREFORE, Plaintiff demands judgment against Defendant in the sum of
$1,927.83 together with accruing pre-judgment interest at the highest statutory rate per
annum permitted by law from November 30, 2001, and costs of this action.
Respectfully submitted this (;t~ day of 11)
,2006.
~~/~
Helene B. Raush
BarNo: 60140
Stewart & Associates, P.c.
P.O. Box 2629
Suwanee, GA 30024
(866) 990-9968 phone
(678) 684-4975 fax
VERIFICATION
The undersigned does hereby verify subject to the penalties of 18 Pa.CS ~ 4904 relating
to unsworn falsification to authorities, that he/she, CHERITA CARTER, is duly authorized to
execute this affidavit on behalf of the Plaintiff: CREDIGY RECEN ABLES INC. The Affiant
has reviewed the business records of the Plaintiff kept in the normal course of business, as
pertaining to Defendant, ROBERT LESTER HORST JR, and the facts set forth in the foregoing
Complaint are true and correct based on information and belief.
CREDIGY RECEN ABLES INC.
BY:
~b L~~~ ~~~,~
Cherita Carter, AFFIANT
Date: August 17, 2006
EXHIBIT A I
DfSCeVER"
ClASSIC
IMPORTANT INFORMATION
ABOUT YOUR ACCOUNT
CAIlDMEMllEll AGRl!J!MENT
The 'lef1ns and eonditiau of your Acmunt. Including
how WI akl.llae finance c:t\IIIrg!!5r OUT 'fees and an
A/bItrotion aI Disputoo _ .. . . SEE PAGES 1 - , 1
PIll\IACY l'OUCY
A "''''''''''1' al1I1. p,,,,anal jnfDm1otjon'w< collect.
when ft may.be shanod with othero how We .ngLlard
tho <<",ii_1lly and....mty aI;rrfcrrnotion and
the steps you may tab to rlmtt aLf" shming.of mc:h
infonmrtlOn with '"""". . . . ... . . SEE PAGa" 12 - 15
allliNG llIGHTS
Jmpcr131'Jt imDrmaticn about your riglm and our
responsibllities under the Fair Credit amtng Ac:t . . . . .
....................; ...... ..SEfJlAG!S 15 -16
CA$HAAQ{ BONLlS" TalMS "-"'D CONDmONS
The tenns and conditions of the Cashback BOQ1.,5'>
lIWIIrd pn>g,""" lrn:Iud;ng. do>criptfcn at how we
calClJIll1l!the award and howttiS paid ...... ......
. ...... ... .-. ............. ...SEEPAG.E5' 16-18
CBmR= Of INSURANCE
Th.,."". and ccndl1iDns a1lho SdloduJ.d AIr T-.J
Aa:ident ImulWlCl! tha1 ;, prcMdodllt no charge to
you when you 1.R your Cerd10 pun:h8st airJiDe
tick......... ......... ........SEEPAGE&IB.Zfj
O2OCft C1IIcl:Jyar 8Itlk. Mmlblr FDIC
SOolOOl.lll101
CARDMEMBER AGREEMENT
I'f,ust ,..Id thJl Apment arefuBy before U51ng your
Dlr:tovtr' c..rd Aa:aunt. It to~ns h~..L utmJ and
a",dlti_ aI your A_ ...". of "'""" may hovo
chol19ed !10m urllor mmrlols prcvIded to you. In !Nt
tvon! of 3J!l' dlffortnalS, 'Ill. Ag......ent "'oil ...,_
w. respoet your privacy. Set the Pnvo'l' 5ecllon on 1>89. B
and our JtrivlC)l f'cllt;y 10r wJdJtional rstarmation.
The ArbJtratlon 111 DlIPUtIf Stdktn on ~ge 1[1 lndudu a
_1v8r of . number 01 lights, Including lliio right to 0 julY
trloL
CARIlMEMBEI! AGREEMENT
A!;IHm.nt7l!m1s............................. 2
Amptanao"'Ag,..",..nt....................... 2
UJlofYcurA&%Ount ..,...,.................... :z
A.tJtharIzedURrs..............................2
UnauthClrlzedUst .....,.......~...........,... :z
Cr8dIt Um~_llabl. CredH. .. . .. .. .. .... . . .. ... !
PrllmlR..pay................................3
Monthly BIIII""statlllllent... .................... 3
Monthly POYl1lenl Options... . . . ........ .. ....... 3
MlnlmulllMonthly/llYl1l.nt..................... 4
Credltea_............................... 4
.BalanCl~.................................... 4
FIt1.nl:t! Chlrll'".......................... ..... 4
PerJodi(; FInance Chilies. ....... ............... .. ... S
CUh Adv."", Tr8/lDdlon Fee_ O1a~ . . . . .. 7
"lance Trlnriar TrlnACdon r- Rriana- Charges. .... 7
MlnImurllFlnanctChllrgo....................... ,
Jletutned O1ec1r. Fee............................ ,
ll>tUmod DIsa>var Card ChIcH.. ......... ... .... ,
5'topPB)'ml!lntFee ....................._....... 7
1.1.."....................................... S
PI~onel'ee.............................. B
Resean:hPH .................................. B
O'OTIlm~F................................... S
D.fau~...=~lIoct1an Com .............. S
CancelJstlal"l.................. ......... .... .0.. 8
PrIvat1...................................... B
CredJtAutharl%ltians .......................... J
ChongealTIl'Illf.............................. 9
01.n9.aI_........... ............. .... TO
.....19"mentcfA=unt... ..... ...... .......... lD
Arbltnrtlon of Disputes ....... ......... . ....... 10
CMlpli."" wlth Inler.esl Rll1l! UrnItItlons .. . .. .... .11
Governing Low ...............................'1
-,-
"'GREEMEWl TlAMS. The 'WOrd .. AttorJnt" mtellS yOllr
Oir.CDVtr urd A~unt 7h! word ~Card" means any Q1\1! Of
man!' Dixovfr (ism iSlSuftHD you or someont .!I~'With )'Cur
.utRodzation. The wordI. -"au", ~ur". or 'you/'$" rmr to,
In ..ddi'tlmn Ul' you. iht. C1TdmerriIm. any oth'tl' ~rson Dr
persons who art al&o tontr.lctuafly li.btt '.lmeltH: this
Agreement. The WOfm "we", "m" and .our" refertD Ddawlr
Balik. the isWlU at your Oiscoller Card.. Thl!.words" AuthDrl1.ed
Uu(' mean any petSDn v.h:m yew Jluthorizto 10 lR ~Dur
Aacunt Qf a card, wMthtf you nc:roi)' us or nat. 'TIM wonts
"'Pricing SChedute.. """" tttl! docume.M. ~<<Om~~ )leW'
c.d.nd listing 'tin- FNIlCt Chargt mes ht apply 10 your
Aa:ount. The PridM9 SchedtN! is ~n of this AgrHnwrt. .
.a.C.O'FTANO OF .AGRCEMall. 'The use' at your AClXlwrt Of I
Un! by you 01 an Authcrlztli LIsl!r. or )'Qur tallurr to Olncel
yClUr Account within 3D days after Tt!a:iVI'ng 1I Card. tnl!lIol1$ you
'O:"pi 'this Ag....md11., including the' Arbrtratlan of Disputes
provision on pagr 1a..
l..1SE Of YDlffl ACCOUNt Your Aa:ount mtIY be uslld1ar:
. purchases . to pon:hast or Ie_ good! or .services from
ptrtJCiPlftlng mer~h)o~nrlng.YDur Can:! or Account
nIllabo<.
.. c.n AdvIncel ~ to obtlin wh advanas1rDm paTt\dp8't!ng
automated .,'- macbines. ilnenclal InJthutions 0( ,gther
lcat1~ or bJ muns m dtecks which wt m." tuml5h 'to
you, all In .irordaru ~.such addJ1lonIl 'terms and
CanrJttlChS as may be \mJ)oSed from tirne tD t1mt.
. aalance lrandel'5. '\CI mnmr blbmces tram ether aedttors
or to m.i:t' ather tral'lS8c:lioru by muns of balance t-anrfer
coupons tlI' cn.a:s. in lClXII'dilC'lt't wtth!Ud\ addfdonal terms
.1Id COI1dh)0115. we mI)' mer itom 1ime to 'bmL
In addffiDn, your AttDUrIt mB1 bt used to gUlnlmH
f~11 partirJpHing IStIbfl$hment5. You wftl be Iklble
for gllanlntHd met'Vftklnrthrt"r1! not anctJed pt'lorto ttt.
timo,ptdfl'" by the ...._.ot.
Your Acmunt 0'III!t be !JIlt:! tar p.ersaMl. fAmfly, hOlM!hakl.
and ~ purplUlS. 'taut A.ctoUrIt -may nat be UJed 19
ab'taq, loans 10 !:lurd1~ arty ottrJde in ftCUrtties, Dt'lO PiIY
'nt Amount you owe ~ 1hls Agr~ ("Prahli:tlted
Trwlsaalnnr.). Prior tel lts use. .BCh Cln:! must be signed by
tht: persm to whom it 1s: _tel. ~ are not r!5p~e ior
the. te'fusal ai lnyane.'\:I)~ar ha1\Ot aCatd.Of'tl)~
checb 1Mt we !\avt ~ you. You mUit mum any Card
or UD1Iied chedes to us. upon .,.quest.
JI.\1fH0RSZm US~, lfyOlS watTt'tO anal ~ ..1.Jthtllt\:y of.
current Al2tborized .UHf to UR )'OUr ACCDUtIt Of . Card. you
must naU1y IJ5 1n wrtting or by uiephcnt i!Ihd destroy any
ea.. in _ pIlIOn'o """""'"" ~""" of your righb lInder
1hil AgrumePt (D'the1lN1n to PlY amolJms owed) f'M,/ he
fHrCisecl by ItI'J ~on ROt II party to thi$ Agreemeat acting
JlUl1U1lm to .a ~ of mDJ"M'1., w1thM tlur 5epel1ltll
wrltttn agm:1M1'rt (which Yo!( are rIot ob/lg~ 1tl 5iI"'e).
UNALlTHORt%ED USf..1f a ClInt I, iaft or staler'l, Dl' If you think
thBt $Otrlaone 1s using '10U1 Acteum or a Card wJthotn: ycur
permlsslan, natlfy US' lrnmedil't4l):. You 13ft notify us: b)'
-2-
teephorling ,..soo-DlSCOVER ('--6OQ."34'J~26e3), or by writing
~OVEI\ CARO, 'r'O~ 'S~S6, WUmirtgtcn, tlE.'9SS6-1002.
'You agrH to assist us in _dm:el1'nining the fam relating to ..ny
'theft or J)05Slble uneutnortzed ~ of your Account 0( iiI Card
and lO ~ w'n\'1 mth pl'Dct!QUI't:S as VJl!- may requlrl" in
cannect\on with our \nvsigation.
CREDIT l.lMIT-AVIt..UBli: am:m: w...wm advise)lou oi your
MOUm. O'fdlt limit. 'Nt may imp.ose. 10 lower "mIt "th., will
appJ'J to cIsh ~('e, mM"ed io as the cash advanee credit
limit. 'You .9"ft not ttl .lIow yolK un~{d balanCf!, including
Fmance ChJlrge M\d 1~ "ttI txCeed ycur Account CT8dlt limtt.
If you exceed ~ Actou~ credtt nrnn. WI! may rl!l:rue.ft
Immediate Plrmerrt of the'l!lmaunt bJ whic.h :1D1oJ oentS)OUr
AccoUm a!Kl11 Bmtt.
We may lnae_ Dr deat-BR your -'ctount Cl"f!dit limit or your
CMh advanu.aedh nml1. withDut no\\ce. The ~dit if\l2li~bIe
fDJ your use may. 'from tirne,'tc'tirne. be hs than your Aa::aunt
aecftt limit. For putlXJ5e5 of determining your "Io'llllltabhl ~
we I1lRI'Yf! the right 10 pcrtpone tor up tc 1S busint::ss days
reducing ~r unplid baJ.nc.ti by1he amDtlnt at.any I'eyment
thatwe rKl!NI. Y~r 8Van.~ credlt wl11 not be increesed by
'\he aTt\m1nt at wny ~ 'belVlCe.
PHOMlSE,.O PAY, 'feu agree tCI .pay us in us. Dollar:; ior all
pun.1'la5ts, cash eu:fvlnte5 and '-lenOl nnmm. i.ndut1\'nD
~pp'jC21bJe Fl".l')(l! Charpes and other charges ar 1ft$" .
.ntinTed byyou'pr InyonI you authorize ar permit 10 USt your
~ Qf" tard, rYlm l'fycu do nat.nottfyus. that. etherS Il~
using your Acc.ount Cl' , C.rd. We will tcnVert purchases and
casn aMnclIf made in a foreign-clJ1TlenCY to.U.s. Dolltlf$ at 'a
rwte' existing an tOe date at COl"Iycm.!on. If you~ U5 in ether
than U.s. DolbJD, we m!ly reiuJt.'b) ntept the paytnt!nt or
chiltgt your Az:aWnt our CbIt to a:mvert y.cur. :paymant.to U.s.
Doflm:. All d1ecb must be dl'3Wn on funds. on c1~ 1t\ ~
U.s. You tJ\a)I not USIa . -cash .dvanCl! dleck, b.'IJ..~. tral1der
ched:. or CDlJpcn. 01 any othtr pI"l:Imot!ona1 dlttd:. d~ on
.ny Dlsto\Itf BanI:. tndlt CBrd account. 1:0 make lD}/mem:s on
your -
tf your Aa:Dlmt is a Jelnt Aaount, each af you agrees to be
liable tndMdwllly and la!.rrtly 'for the emi-re amount awed on
your AccC)U1tt. We catl eceept lete paymems or partial
paymlnts Of rhed;s i!Ind mt:ll"le)' ordeD mlll1ced .. payment In
'tuU" l:1t' with V\Y oti\lr TCStrlctNl! ~onll:l'nt:m. wTthaut losing
any af DW'1'ightJ under 'this Agreemem:.
MOHTHLY IIWWG S7ATSMCNT. Unle$s we W1lNe our 'rigt\t"'tD
do sa. 'NIl! w'Hl send you. billing 5tWternent mer- each monthly
blUing pviod irJ whil:h you ha~ a debit or qedlt balain of
11.00 or mart. 1'he.bfntng strrternent wllI-show .11.purchaw
wh actvences. l:lll'lInce transt.rl. F1nan~ Ch.rgll!5 and.
d'lllrgu or 'fees .nd all payments" ar .other C7'edit$ petted to
your Attaunt durin&, thl'!! billing period. It wut shew your tftw
ia\ance., }Kmlmum Payment Doe 'Dnd Payment Due n.te..
MONTHLY PAYMENT amOHS. )'au mll')llt any time pay the
t!Int1rt:= New S.lanast'lown on )'aUl' bUl\ns wnamen\, 'but_E:h
mcmth you must pay lit lent 'the Minimum hy'ment Due.. All
payments must be: msll~ or delfve.rm ~ us in DelawaTe et
.J-
OlsCClller lani:, PO BOl: &e11, DO\'eI', DE 1S903-6D11 Of WI.lJlng
the ~ enclO$ed with sum 5ianrnent. W! wllf apply
~ illnd oed'n:s 10 the New Balance ihown- on your
C\Ifl'i!l1'l bi1ling mtemart in arda c'/ the Artl1ual ~rc.entage
Ra'te appftcable tl) tM l>>Ianu of urn 'transaction tJ1f9o/')'.
from lIMIeSt 'to t'Ughe&t be9innlng wItfI the billmcl! subject to
1:hf lowen AnnUlI Percentilgl! Ratt:, ~ then apply pa)'menn
and mdts to any MW transacrkll1f ming tN umf ma'thod.
H~ we have 'the rigtn tD appl~ paym~nts and aotdtts 10
ba!-.r)ces with higher Annual Percentage -Rates prior to
balenw v.tith lower AMuall'ercem.gl! lI.atea. .slJd) ;u wile"
ihet'! .~ two inltbl Jpedal,M.e5 applitllbie to your Actount
.and the jewel Annual Pertemage Rile will expi~ before the
M9M:! ;.mual Percarttllge Rzte.
MINIMUM MONTHLY PAYMM. The Minimum Payment Due
nth lnDmti wilt bt the. sum.af any Im01lm put due Jnd tIh!
rninil1lU'fl monthly p.~ Thl! rTdnjmum.monthly payment
ead\1J'IOlI1h will be tht grafter r1I51D.DD 01 .an IfTlowrt equaf
to 1,5(1th t1f the )4ew ialance. rounditd "ttl "EM next lUgher
whcIll! dollar .mount. Howwer.1fthe New Salance Is' aWn
s;,Q.OO, tI\e. mirUrmml monthlY p.,.m wi)! b<< ihe amQUm at
the Mew .blanct. ,hying the Mlllinn.rm P2Iymem. Due m~ bt
Insuffitlen't to bring -your Account balance below -your
Aaount CN'dlt 11mb. nIL ~iy; mI'j not "'Dld 1M
lmposltJon OhM OVerf1mit Fee desalbed in the Ovefllmlt Fee
-
CRE'Dff BALANCES. We wUJ ref1.md Jln)' ttedlt billante withhl
~ busJl'ltlSS diy5 irom rl!wpt at your wr:ftbtn request. tf
you do ROt reQl.*f l!! mum. WI! wiD automatically rmmd
i::recIt IHUencef ~ 1:h8tJ 51.00 whic:h remain in your
....- ofW._ bU!mg..r\odL
BA1.ANQ 11lANSFUS. We may penodJcalJy offer you tha
oppartuntty to tnInsfar bllantIl irom othM CBarton or to
mtD athertranslc:i:icns to yourAr;aJunt'by meens of'b.!pOl!
1rInnr COLlpans or chec:b. bell ~ wlJl tmtajn In Inmal
spedoI"", whlcl1 wI1llle 1he Annual ,.".....1/".....-
wIIl_" trllMernd'bolonao fern.. time poricd opedfIed
1ft the QlW .nd mIY C07I'tain a Wince Tl'llnJfar iransattfon
fecRnance ChIIprfor ..dilallf\C!vanmr made during '!he
1erm aftht ctffI!r; as disdDQld in tht crlm-. A'turrth.! explratian
of this ltrne pl!rlod, the Al'lnlJa1 Peramt8ge Rite th..-t IPpl1es
Tor pUrthues wiD apply tc trBTlS'i!"~ balances. Ballnr:l!
tr:ansfm 5Ubjed. tc 'the infti,l spedal TBt<< are rwfmm:! to.lIS
spKialJ1lte b<llBratrlI"lftMjbl~'J:rar1SteJ3 forwhkh1he
Il'Iklal ~J me hall expiFeC Ire memld to 015 purthaSill! me
balanCI 'tnnsftn. Ead\ IJ'ffiIr will COlrtain an expirftion Dne.
ff )'C'U 11mTIpI 'ttI tRlnm, bMtm:es by muns of . check aftw
tht expil1ltion. dIU, we WiD 'trtl't thl!. transact! an IS, I cub
adYnl!.. We WllI net make blllJlt:l!: 'tnINfer:s mempUtd by
ml~.of . c:oupon" the uplratioJ"l date..
FJIllAJO OlMtG!S. You an wdd payment at Pcriodk
Finllm ChBrp_ en new-purdlideS Jfyou pi)' the N~ B.lJan(!
shown on thl' bJDlng mtement em which the pur.c:hae:flrrt:
,ppem by 1M h~m. DlJe Dmt. and the PlIyments md
Qedfts on lfIat 5tJ1errwrt equal or 'l!!J(ceed your Prevlcus
-4-
blaMe; WI 0111 this the "grace.pericd." You de not have a
grace perlocl on balana tnmsiess 01' ta5h itdvl!lnc~ Periodic
Flnanc!! .th.rg~ art! imposed Oil fleW balance tnu'l51el"S and
casf1 ad'Janct5 beginning with the d8te the treruac:ticn CCt\l~
PERIODIC FINANU CHARGES. Periodk flrnlnce Charge$" art:
imposed en at! tr8nSlll:ircns umll l~ da'tt!; 01 repayment.
RepB)'tTlen\ mons paymllnt al your entire New Balance.
HoweUl!!' H you plY th~ /trIew Blltna shown on the current
bllling SlaUl1mn bytht Paymlrrrt Cae Date, and the Payments.
i!lnd C.redtts shtwm on ttd$ statement equal 'or eztHd the
~jous B.'-nee. we will not impose.Pt:riodk Flnancr Charges
an ~ purd)ases. mat is, purcbises flm 1I1)pearine on the
c.urrent Statement. O'1:herwte. you will rtteNe II billing
!m2.mcot h next. l1'IClltth that indlJda Period!.:. F;nan~
Char9~ lmpaRd untf} me date af.lepll)'merrt.
1M c.~ Ptriodlc. Firwm:t!.charge$ l!lap,. dilY iQf purc.h.uu.
c.zsh advaf1Cti" and b.lanct tr..nsfett. (which ~ reier to as
ua~n Clugorles) by using lht: 'following equ.;rt~~
Ave1'3~ tlaUy Balana: x number at days in the ~nlng pt!riod
x OlDy l'lriodlc Ri'tL (You may refer 10 the flnana chaJ'gt.
SlJmrnwy on the trl:lRt of your bi}J~ stRement 'for these.
.amaurmJ Th~n WI! add aU the ~iodic' Ananc. Charges 'for
elCh tt:ansaCtlan ortegOI)' to ge't _ total. Periodic FiNu:lt:e
ONJrgesioryoor Attount 1'he-A\le1llge t>.i"'Bai.~,isshown
as 'ZIIlO if ne Ptriodic finlf'lU Chllrgls appl,rtc 'the balance in
a tT1rIsIdIOI'l ate9O'Y.
We LU 1M 't'WtKyde I\Imgt dally ba!.l1lQ [Including new
tnlnslCtions) 11lIthod af calcUlatfn9 'tht b81atl~ upon wh.lch
\I\I'l! hnpaR Periodic FinJnce ~'Thls n'Il!!!4nS 1f you did IWt
pi}' the New BiJAna shtlW!') on the bllllng sbrtem@nt you
TKAived duting 1tw. pr.mOU5 blUing period by the Payment
DUll Oatt. \I'JII!! ~ lmpoR Periodk: FirurN:e charges ~
pl)r'l:hases that 1bst 8ppDred tin thBt bUlln; .sta'Wnent. as
wetl ~ purchuts thBt i\t1t appe.r on 1he c:urtent blUing
stfiemtnt, unl_ We' alreeay impQlled. Periodic Flnlll'JOlI
Cherge .en the purc:ham on t' previous biJl1n; 5tBtemwrt,
We tolf1PU'lt' thI .V41nr. ,de t.1ana tor ..a, tTanact.ian
art!egory byadding ::;J'iN I)' billancerin 1J blUing period
iCll' .. 1rarArtian ~ a11d dMd.m; 'tM ttUl by 1h~
number. ct.dIy.I in tM bJfIing c:ydt. We. COI'npU'Dt the dally
bflanc:e fat .Kh tntnsaal.on at!!'gD1')' on eIIcn day by itM
adding 1hr teUow\n; to 1ht previow day'!; ~11y balance:
trlnslctions .tT\Ide th:It ~ ~ ~ that day .nd
Periodic FlMllCe ow-gas amued Ol"l tl:w. Pr'.PVIQUI.~&. daUy
balarq; ano oy 'd'm'\ SUD'Dilc.til'lIr.ny credits.and payments
'iMt are applfed .geinft 'the baltnOl! QT the 1ranllction
~OI)'.an 'that ~. P1 CiII't\l~ the m.fiy r.1J1nce fer the
pmllOUS billing pt1ltld, Wt amsidertl'le "previous dII)"!i dally
b8~nu:. tD ha'IC lMtiflt %eTa on lh!: fim day of the billing
pmod.
Spedal me biItBnte 1nnsiers and .lalel'Ktt Transfer ifaniO.
actfon Fee flnllnCl! ChiIIrges are included In the deny bllanc.
at the bM11Ct tl'8nS'fw't/'a.nsaiaJon Dfl:epol)/. Balana' tr:Irat.rs
'tha'l. _re subjed. ta.ar. \t\~1 spedal m:e that h. been
~rmlnlled due to '8 I8te peyment are .ko Included in, this.
-5-
(BUlgO!) IJl'ltlJ the initial sp<<jII me mherwisl would fa"e
lutpired. In calculating 1M .dIlly belllotr gf thl! t.ala~
nnmr Il'IInActiorl Olegary an lht first day ~ 'the b1Umg
period WI ,ubuad:, the! gnpald batantl at tt\OU. Balance
Traruf~r iran5acOon fH FinlMtll Charge; a,!d bal.anc~
ttansiers t;';)1 beccJ'M pUrdlasl! ratf balilna tranrrm on tN1
.dIy and 'IlfI!: add thE unpaid bal.nce tel the befao"CI: of the
plJIcnue 'transaction megory.
AU 1ees marged to your Aanunt at! added 1.tl1.ht pun:hase
transartlan artegOf')' wItfl. the emrtricn of Clsh Ad\illnte
"Tramaaion fee FlnalU:e Owges which Ir!! addad to the cash
advance tnnsaction Cltt'gClTY and Balam:e lransf.,
1nmslction Fee finlna: Olargti whlcl1 are added tp the
balantt tnntner tTIIl'IActkln QI!IlOJ)'. " a lJ'~IDfl Is
pastec!1Dycur Accowrt I'herthrdose oftbe biDing perlD~ in
which If. occurs. we will 'b'ea'l thI tramactitltl as having
otC1JrMd on the -first day oi 1tIt! blUing -period in which It is
)JO$ted to your .Al!c.oum.
(1) Jt.m l'Ians
~ Daily Periodic RIIte linti' Cl:lf1"apOI'Idlng AnnU2!",Percert'\agt
RIte' thI1app!y tel each m~ atagorY Is ,:ither (a filltd
f1t:e a' .II variable mal o15-sd ftrth in your Priang Schedule.
'I1Ia Ool~ ".;odk'''''' .ll. 11365lh of 11>0 c"""""",d""'ll
Mnuat Plrcentaga Rai'e. The varlabM AnnwII Pl!rcentape
Rate frr il' transactio>> atepol)l Is determined .by eddlh2 a
.spedfied mJmk:le1 of l*W'ltIog~ paints tCl tn. Primt RatL This:
iJ sho\.'M on the Aidns Schedwe as ~Ptiml! + (pucel"Rlge
_)."For_ofthbAg""",""", tho Primo""'~
'l:l1e ~ w of inwcrt lisUd .u 'tht "prime nrm" in 'the
rnoht'j me :SeCtion at ~ w..v Sfrf'ef JClJ1'na1 an the: .last.
buslfWSli <<Sly rtf the mcnm The Prime ~ is mere" .. ptlcing
index and does ~cn: repr!ftS1t 1h! lowest or ~ mret rWi!
avaIlable 10 ,J borrower If..ny bank at .any gi...n. t1mt.. Your
AAnUIIl Pet!'ntagt! R.'a wllllnCrUA: ar deanse when 1tle
P",", """ en"",,'" Tho a.."llt wlQ be _ beolnnlng
on the !1m day of ... b1QIng ".,,"" .... be..,. during "the
month Ilmm'otataly tojlcwin; ~ chmg!! in the Prime RIa
m Ann1JIJ ~rtI!I1tIl911! 1\ate for PlJtCtlaes
We: may bwe offtRd you an IntTClductCT) ~ .on purdl.lS!S.
The imrDdaKtory 101 is "the AMUIoIl'eC\!ntlge Rate 1hrt will
C1pp~ 1C P1Ircha1se icr the tiw period spedfied 1n 1:heo offer.
.Aiter dJIlmlon rrl1:hJs: ~ pttiod, 'the AnnIMJ Pero1lUge:
P.m 'for pun:hllStS wHJ ipply. The D.li!f Pet!odk JtftI!S and
comspondltJg AnntJll Petctn....f9t bt!s jl'l mKl on -the dBte
tIis Agreement h: "fum;!hed.'tD 'JfIJ .,. At icrth in the Pridng
><hoODIe.
(3) AmlRIl P.eramtlQe RIte for tuh AdvaDCeS
The nJil!,1 hri1lCit 1\* and comsponding Annuat Peru/l'tJge
ftltl! In effeCt D1'l the date t:lf this AgrHment Is turnbhed to
yOlllrt SI't forth in the Pricing Sdrtd!Jb!.
(oot)MlIU<1Ilhrcl!1ltJpe Ratt'lar.lalanc:e Transfm"
The Dally ftriodk Rm' .nd-ccmspondlng Annual Pmentlgt
Rm in ~ for sptciaJ me bI1ant! ~mfers WiU be .set
forth In the cffer1rcm.us lJnderwnlch you roab the .bzr,l'n~
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mnmr. P:. indiCl'led in the Ba'anR Transfer:;. Stcticm 8bove,
pllfchast me balance transfers will be ..subject to the Dany
Periodic Rrtl~ and corresponding Annua' Percel'1tlge Rate'that
appty1.o pLlrClesl!S.
The- OaJly Perilld), Rm and CDJTuponding Annual Jlercemage
fmt in.2flttl. en 1ht cia", ""*' Agreement \.s iurnis~D 'lO you
.re set 1on:h in tke Prking Schedule.
CASH ADVAHa TIlANSArnON ro FINANCE OiARGES. We
wlll wrgt ')IOu . Usn AdvaInct iransac:1ion ;:ee riM",e
Chlrge of 3% af1he amourn of 'ilCh new cash aDvance. There
is a minimum (.ash AMna: "~nHcrlon fee FINANCE QiARGE
at 55.00 and no nw:lmum Cash AMnC! Traniactian Ftl!
fINANCE 'l-tAll.GE. ihe imposition of Cash Adv:a~
Transac:tlCJl"l fee Finane!! Charges rrlI)' reSLdt in .Im Annual
PemntlII~ R.trte far ,lISh advam:es thlIt is higher than tnl!
1'JOmina) Annual P.rtllnta~i\nt. A" iorms m tiSh .~.nces.
indudlnJ;l ~ 1M af Oisuwer Can:! checks. regan:fles3 at the
j:lUIpCSt tor which used, in J1Jbjed. 'to C3sh AdVant!!
l'nU1S1alon Fee Fin_net Charges. To ctrtain the tatal finance
Chargtl em taSh ,dvlnCl!li for .Ich bUUng ~erio4, 1M add any
Cash Adv.anct inuuction Ffl.AlUlnaI Charg~ lor th~ bmlng
pl!:riod charged under this .5ectIOQ. to ~ny Periodic F1na~
Cha~ caftulated under thtl Penodl( Finance .charges
Sed)on fOt the CISh advana 'D'otnSIIctlOll ampory.
BALANCE l'RANSrER TRAHSAC'nON mANANa OIARG!S. If
the ba~l!! nnrier offtr ytN. nlC&~. ttlIl'aNns a 8a~nce
Transitr 1ntnslrtion tee f"tnanu thatpe, WI! wUI d\>>rge you a
Balance Transftr TJ1INaCtlan Fee flnaFlc:e Chlree for. the
al1\Qual: c:rf 9th tRIiulc:e tnInsfer I"lItde under thM ~ Th.
irnpCllliltion 01 eillhlll'lO! Trans1ar 'lr1lnAction. Fee fintlnce
ChIIrges ma~ l"e$utt in an A.nnUlll.Jtlttalmagt. Rn! for bat.nQt
ftl1DerJ tMt is highar'than. nominll Annual Pe:n:e~
RIte. To abbin tht1:D'Gl1 Finanm Charg. on.tat.1Q tnInriel'!i
for uch b1llq period, we .dd any'l\allnt!' TtBnsier T,....
.ttlon Fa FiM8nt!' Charpes. fo.,. the blJlinSl period d1_rged
under this: ~n to any .periodic ~ Charges. ulc.l.1(~d
UI'lder the Periodic Finana Charges SedlOD for the b.l.n~
nnrier trallAc:tion ate;DI;Y.
MJN1MUM fINANCE 0iARG!. We will charge you a minimum
FJWAHCE CHARGe of 1:.50 for any billing period in which some
FIN"',",. CHARGE.of I... ihan 1.50 would athelwiJe boo
''''''''''"''
RrTURNEtI OtEOc: PE..\Y1! wi" dlargt: you II Returned OIedt
fee crf $29.00' tach 'time ycu pay us wtth It chea thtt is
returned tJrlpaid. This 'fee will'.1ou> apply if . debit transaction
'tD , deposit KtCUnt nom wl\ich,'yDU ~ aU'thariud. us \n
writing to pltricxfia,11y deduct all PI' :i!I part csf 8l'l amount )'ou
OWl us under 1his Agreement is mumed Unplid.. We. wilt
chIrge you thi.s M :the ftrrt. time any .payment is returned
Lmj:MIicl. even If Jt 1s P8ld upon reNbmiuion.
m'URHED DISCOVER OJID ~Eo:. FE. Wt wUI charge)'tl'LJ .
Returned Ched: fee af m.DO,each time we dedine to hDnor
a blKovl!tr Card cash ~ce ch~; billl.n~ tranrier d1l!Ck or
_~Imec\c.
STOP PAYMENT FEE. Wt. may.charge a Step Payment Fee of
.7-
S1S.00ucht\m1! we stop paym~nt 8'l: your requUt on a wn
ad'llance chee.... bl!llBnte tnlOsfcr cheeT.. or other -promotional
,hod.
LATt Fa We wfl/ cnlfg.! )'CXIllate ~ of m.OD each time
thn B:; 01 the- paymem Dut DIrt,)'DU hi\/! failed 10 mab the
MinilJ1JJII PJym~n\. D\Jt 1hrt WlM. nqulre<d 'tli> be pBio ~ tnl1.
due,
PAi'-BY~l'MONE FEE. I/Ih. mar from rimr to tlrM allow you to
ma~ pI~m:s by ILIthorWng ~ aver the 1elephane 10
'trBnsfttor pay iunds 1rom a a'eposft ilccoulTl1O your.ActounL
We wm charge a p~ }" of 51!) for each .Iuch
tl'anmrOl payment of less than S1,.soo.
RESEARCH fa We ma)' ~1'9! )'OU a RDtarch he at $5.00
'lor elD U1py cf a bfllfno stIttmIlnt PI Ales slip ihlt you
requtSl Howe~ we wiD. ~ charge I fee n fin! -request
copies in a:tlMaion with 11 b1mng entIt
OVERUMrr FEE. We wJlJ charguDV III Overliml1. fH of 129.00
Md11mv t\ut ,. af th! dciie at . biU\rlg 'P'!riod. ytllJ!'
wtsmndmg Account b.la~ !Jlcftds yoUl Account aedi1:
limit. 1'N51ee IMY be dw~ Ml" if the ll'IInaactlon iNhich
causes )'OU to l!Xted your AlXaunt credtt Umit Is authorized
by UI or If you UCHD your AaDI.II1' aadlt nmit due 'to the
postin.g err Flnlfla,Olarpe.or,=tayour Ac:tourrt.
DEJAULT.oACCELERA"TIOI'K'0UEtT10H COSTS. YaLl an: In
doiwit K ~QU _ imoIvent ff yoJJ flle . bookruP"'Y
pdtionDrhave one fUed.J9il1nst you:ff we bave iI TUSDNlbIe
be)jef th.t ytllJ Ill! unable or unwilling to rap.y )lcur
obfigll1ia~ to us; Jf you ant gtdal'l!l:~ inl:ornpgerrt ~ . court
or 1f.. ccurt appoints:. guartlitn far you or a tOnServator1cr
YellT ast1s: If yoLl diE; or tf you fail tD comply wtth tM towns
of thA' A9/'ftmem. includmg failing tD make I ~ired
~er4 when due. exced'mg your Aacunt c:redlt 1Imtt, or
usrng YfIUl: C.rd or AttDUnt 101" II Prohibited Transad:ian., If you
are in o.buh. we may ded2tt 'the -ernin halllnet of yClLlr
Aa:ount-lmmed"nrtet;'~.Jnd ptySbIe wtthout l'KJtk:L ff M
rri'erthecoJJ<<tioni:d}lOl-lJ Actol.InI:1tlan ettomf!)l oremplC1j
an J'ttcJMYtD repre:5ent us wtdI rtga:rd to 1"eC0000ry of ~
that you OWl! W, we m-r mar9ll! yeti r.asonable .m:PlTlif')'J'
tHJ and court or 'Ctbl!,. CnnettiOI1 tests.. pennitted by l.w
and.as laLIIJty Incurred by us. We mlf der.y enfcrdng or not
errfora Bfr!/ of our right!. und.s 1h'b Agr&MTI..nt w\'l:hout
losing DTW.Mng Il'1Y afthem.
CANCiI.lJl,"nOM. "tbU may tartcal your Acl:cunt by notifylng IJS
In writing or byu/eophorte JIM rrtuming at denrcylnQ ~1Y
Canllft.d un1.Pd th!d:1mtw! hIve.pFtNlded you. Of.couTS"
yoo will still be respcmsible to plY .ny amount you owe us
~ ta the temu al1hbAg1~.nM!'nt. If your Aa:ount 15 ill
joUrt ActDum. tllldl of yOlJ m.y tanall ~OlJr ActDUnt. w.. ~
t3t1cer or ,uspcnd your Acmunt It any time without. notkt.
Wt mHt choost net to J'U'JeW your Actal.lnt (beyond 'the
explnrtlan c!ItI ~ on 'the flCl at I Card) wtthout nctke.
PRiVACY. We respect thl!! prlvJlcy at tnfD/'Tflft:lon .bout you
and your Aa:ount. OUr P7Mq PDllcy ind.udes J S1J1nlnlry of
tM ,:.wr:sonallnform1tlon we coneer. when tt mil)' be shared
with othen, how we s.rfegoard the contidentialtty and
-.-
.IK1Jtity of inTOl"lM'tlon and the ntp:; you mwy tlke to limit
.our sharing 01 sucl'l rntormJltion wtth other.;. Pleae reilld tt
carefuUy as it ;5 part. at YDlJT Cardmember AgrufMNt. ~
indk~t~ in our Privaty Polity, we' mil)' report 10 credit
rtlparting agenclf!5 and other creditors the' natu5 and
pa)'mf!m history Dl" }lOUl AtccunJ.. mch,u:Ung negorni\lt: credit
ioforT'l\BtlCll'l. We llOl1TIally report 11:1 such c:rtdit repc'ling
lIgl!ndes each month. If you ~Iiwe that our report of your
Auourn !'labs is lnM,'wm.. or 'Inc:omp\'li.1. F>>aUf' write us at
t!'\e 10Jlowing addr~ Disto""r Card, PO Box 15316.
Wilmington Dc 1985D.5316.. PIe_ include ')lOtIr name,
addr. horne tele~hone number and AtCOlJnt number.
Wt may fn:am 'timl!! 1:0 time review )ll)lJl" credit, employment
and income IlIrords. OUr. pen:onne11TlllY listen to or record
telepha~ caDs ~~ you 811d OUT reprl!5.tlltat)ves in order
to evaluate the QUlIllty ai Qur s.ervitl! tl:l our Clrdmtrnbet-s
witnout notltl!! to you.. We m~ use automited telephone
equipment Dr preretClfDed telephone !:BUs to tor'Ytaa you
Z1bout your AwIUT1\. ~ prOlridt. VlriDus ml!'lhod5 by ""*'ith
you an obtZIln infDrmlltlon About your Atcount ~ will cnty
r.leUl!! 5uch ImDlTl\a1lon"tO you, any Authoriz.ll!d User tim: our
'~on:ls indiartt is iIfl Jluthcrf2.ed buyer on ycur Acxaunt. and
any cttuor l)tTSClTl.whh ytlur PTior permSicn, tn addHion 10 as
_ided In QUI I'riva<y. PoIi<;Y or .. f>q\llred b<; I...... o-.u
.IltCurtty meUUleJ t3l1nDt Insurl!! agaInst un~.uthatlU!d
iTlquirles. You '9J'H; that we wfil nCll be l'aPcnsible iDI 'the
release: of Informatlon to _nyone who, evtn if without your
authorization or ptrmisslon, has 91ined pawlS.1;ion 01 8 Card
or M5 teamed athti Idtnttfying chwacteristi'G .bout )'QU S\IC:h
as your peDOnll iOerrtffionion number, Acaxmt number or
10daJ HCUfit;Y numbu.
0tED1T AI.J1liORl2AnoH5. Certain tr.2U'Jatticns wm ntqulJ'e
l)ur autharlntion prior 10 ctmpletion t:tf the 'tnl'lSlld:ian. In:
some l;itS1IS. you may be B.k-ed to prcwide ldent:ifitation. Ii cur
authcrla:tion -syneJn 15 net wontng, WIt may not be Cle 'to
authoriu a tr.t\Sidion. ~ wiJl not be llablli to)'Ol.l if any of
th~l"YentJ:hzlpptn.
OiANG! Of'T!HMS. We m~ a.1'Igt any 'term or part of this
~;n-t!m8Jrt, in4udin; any -nn-na: cMl'JiI. rau. tee or metitocl
ci tcmpUting my .baJWIQ! upon which. the flMna!. marge
I'8te ls ..aHd, Of add any new term Dr part in tt1h'
Il.prMl'TIlI!rt by sending you 11 wrfttm ftctice..-t kut 1S ~
bdore 'tbt dI~ is 10 ~ flflCdYe. W. nt8Y .pp1r .ny
SuUl dIanga "m 1tw. outstand\nQ bU.,. .of yoW' "-tulUm. on
th. .tfediYl! da1t' of thll! change and to new_ dw.rg'tS made
after that dna. tf }'DU de not agntt. 'b:Iihe changB, you must
nottfy us m writing within 15 dII~ Ift6r the 1l'*nlng of the.
nDtl:t:l at m-nge ct the .ddras pnwidlKl 'In tbt nctiae of
cbIInge., in which aft your AttciUftt wUl be. ~ and you
must PillY US 'thl!! b_/ance that yotj Dwe U:!J under "the uisting
terrtJ$ of tbto undnI"9ed ~ Otherwise, )'OQ will
have a5l~ 'to 'the changti m 1hI notStL Use oi your
Account after the eff~ye date of 'the m.nge wiJl. be
dHm~ aa:aptantR of thl!! n.w terms as of such efhtI:tNe
date. eYl!tI If you p1'1!vtously no1tfied us that you did not
agt&l! to the change.
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CHANGE OF AOOJl.E5S. .tf you chlnge }'CJ.If add~ yoo nut
nodi)' '" a1 rour new addrw within U dlfli.
ASSIGNMENT OF ACCOUNT. We may s<<U, tillgn ac trlnrlu
your AttClunl Dr 'flY portlPf11herem without nDl.lct 10' you,
You may nol.selJ. .assign or tl'Jnsfer )'DUr ActOlJnl wltnoLl1 'first
obtaining aU" prior writl:lm coruent
ARBITRA710N OF DJSPUru. In the even? of any past, present
or future claim ar dispute (whether based upon COntnlQ, tort.
sDtU'tt. tommon \aW aT equIty) bn-Neeto you 20M us lIornmg
from lX r~l.rling 10 YOU' Account, eny priot aaount you have
had wf1h.us, your JlpFflication. the relationships which result
from yOU' Account or the enforceabffity Dr 5tDpe af this.
arbjuniDrl provhio.n. trl 'the Agttemem or of aD)t .pnDl"
.ag~ement,. you aT M may.elect to resoNe the chum or
dispute by binding arbitration.
If EITHER YOU 'Of\. WE aECT .l\1tSm'JJ\Otl. NEITHER YOU
NOR WE SI-W.L HAVE THE RIGHT TO UTIGATE THAT CLAIM IN
(OUR,. OR TO HAVE A JURY 11UAL ON THAT .clAIM. m.
HEARING DISCOVERY RIGHTS AND POST-HEARlHG APl'fAJ.
RIGHTS Will. BE UMTTro. NE~ 'fOU HOA WE SHAll BE
ENm1.EC TOJOIN op. CQNS.OUOATE C1AIlIAS IN "IUUll{A.T\ON
BY Oft A6AJN5T OiHER CAAOMEMSEIlS .lNJtJ.:l lU$PECT TO
OTHER ACCOUNTS. OR ARSI1'Jll(Jt ANY ClAIMS ,,6.S A
REPftEStJlll'A11VE OR MEMBER Of A ClASS ~ IN A '?RlVATE
AiTCf'HFf GEtmW.. CJl.PAcrN. Ever. n a11 pert~ ha\le ~
to IttigR , dlim In: court. you Dr we m.y ~1e..'1 .arbltratlon
wi'tll I't5pecr to .~ cJ.1m mad~ by . l1N' pitt}' QI .tty new
claims laur asserted in that lawsuit. aNI nO'lhing undenakm
tI1e~jn :WII tcnnh:utx a waNel' ci I"J ri9ht5 under ih1s.
arbitration. protision..
We will not invckl! CUT right 'to arbltrm an, in~D\Jal daim
')Iou bring in &maD claims. (cUlt or yOur. mrtn equivalent
court. If liny, sa 1ClinS as the claim is pending onfy in that tClJrt
.nd does mrt aced S5.-0oo.OO-
Your Accaun11"vc)_ intmtl'tt commertf,. and this prtl'JJslcn
shall be governed by thr federal Atbhratloo Act O:AA). The
Clrbltratian:m.ll be CQnducted, iIt 1:hc <Jption of whoever fils
tht .rb.lt.rrOOnda)m,.'bj eltMr JA~"PtJte (JAMS) ot-1M
National Al"bkrniDn forUm 1HAF> in actord:anct: wjth thU
prccldul"ti In died wtM!n tM dll'im isflled. Fora.topy of their
proa:d'Urtl, 101ilt .. dlim or ior other infort1l1rtioh,. corrtKt
.JAt,AS 'It ,mMit.~n S1rHt, Suite 300, INM, (A 92614 <p\)one
HOO--448-1660) or NAf .,. P.o. JCXtt' .50191, Minnt.,poJis, MN
S540S (phone 1~7+2!71~ At your written requert, we
win odvara InY arbl'trltion filing. i1dmlnlstml've 'and htlring
iets whldiyouwculd~ TIqU\nt6tClpayiopunue II chrirn Of
dispute ti I te5uJt Of our electing to arbltnrte th.t d.im or
dJsp~ Send rll!qu!Sb' to P.O. Box 15192, Wilmington, Of
19SB6-1Q2D.'Th1! arbttmDT will decide who will ul'timetely be
responslblt far paying thc5e tns. 1n no evll!frt wlll you -be:
tll!:quired 10 reimbursl: us 'for all)' arbitration filing..
ad'mlnlrtrHive. or Iluring fees 'In ,an amount g/le8ter than
wh.l't YOUl' and DLIr mmbil1ltd ~DUn casts would hlive beeJ'l.tt
"the- daimhad bH'n r.oI\11l:l in 1I.sUrte CDutt withjurisdittlon.
-10..
An~ arblv.iltiDn he8Ti~ wDI uk! p)lu:e in the 1edml judicial
dimict where you reside. 1he atbimnor 'hall 1011ow
applitabte 5ubnerTSi\le law 10 ttu; extent consistem with the
rAA and applic.ablt natlJle. ot l"imhirtlons and .shall honor
dlims of privll. recognized It W1w. Ii requened by l!T'IY
piny, thl!' artriuBtol' st\81i write an opinion comalning the.
rellKn for 1he award. Thl! Irbi'ntbf's decision will be final
and ..bindi11R exapt tor an)' lIppul riehb under the FM IInd
ext~ 1ha11f 'I'M amount in caJ'ltTCMlrsy.extet!cbi S 1 OD.DOO.DC
a~ pan:y may appell the. aw.rd within :!,Q days. tal. thf~
arbluJ'tDt paine! whim shill lIMI!!W the award dr novo. The
costs of .such In appeal shall be home by ~ IIppelling party
rl!'~rtIless of outcome. Juc!gment upon my award by tht
arbhrwtor. ~ be enfOJtted 1M In)! toUr\ nav\ng }uris.dltiion.
Our righu and ob1ignions. um:ler; this arbitration PTDYision
shall mUJ't! 'to 1he '-n~ 01 and hf! bindmg uJ)OO.oUt parenl
corporarlDTH. .sublldlortties. affllines (including, wtthout
limttaticn, DlsawlU finllnGial Se:MCiU. tnc.), ~rs,
5UtC!HlXS, lIS5igm. 15 well 115 -the officers, dlrecton and
trnp1O)'~ of &.a, t1l1:ntR erMies, ;mOwill .50 inUTe to th~
benefit rn any t.hIrd petty nanwd IS II co-dri!ndant wtth us Of
with any of the ibl'egoll"D in II dJlm whlen is subiect to this
ilrbttmian pn:wision. '(tlLlr rightS" and obligations under this
arlmnrtlon provisKtn shall inure to 'the. benefit".of and be
bindh1g upon 0111 persons c:arrnctullllly liI,blt under this
Agrwnent and' an Authorb:ed UtIm cif the Ac::ount.. ihil
arbtuatlOJl pn:lYislon stull surviYe tertnlmrtlon of )lour
Ac:ount as weJl.t5 volunl:B1y ~ment ir'l full by yoo, any If!gal
procudings by us to calted. 1I debt OW'ad by you. any
bankruptcy bs 'You and ilny sale. by us: of)'tlUf A.tc:ount.
COMPUANG Wml'INTBEST RATE UMrtl.'t1GKS. We Intend
m. this Agreement win ccmpiy 'With appllt2lbte Interut rm
limiiltiOnL You will not be I'!QlJlred to piI)I.FJnance Cnsrgu or
otMr chilrpel It -a rm tha1: Is gremr than the mmmum
'lmaunt permitted brj l1lW. tf'it is evll!r'flna1ty deterriUned th.t,
but tor this. SeC'ticn, tM f1M.na Charg_ Q1' at:her c:hl'l'~
under thb: A~mmt wOLlld Ui:H!d the maximum laWful
I'rncxmt, thl!' F"nanc~ Charge; -.d other charges will .be
r.ductd to the millXimum lMfulamount. ~ ~ amount
ttm you haY!! .iready paid W'lU be. USild to reduce ,",S aut.
mnding belanct of your AtalUm 01 will be rriundez:, to you
by rnearu of I c:heck In DtR' dlsa'moo.
GOVSlHI)lG LAW. inis Agl'HmeRt wit! be gowrnftl by tn.
laws ai thI! State of Dll!law.re and lIppllcabN federal laws. rt
IIny part of th15 Agrement become unenforceable.. h will nat
~q .Bn)I ather part utICl'IOl't.ubk.
O_a>nl<
DISCOVER CARtI
{!~1~
-11-
PRIVACY POLICY
w., lIe;pert ~0Il1 J>rjV3ry
Our fl'15sion 15 10 proVIde you with superior protluas and
r.e.Ni.cm. ~\ong with 1M ~aa uf mind knowit1.9 th.zl yw:
prioa~ is ~o!!CUI'!. WI! undematld rout COtu:ertu aboUt
t1urding information abolll you and )'OUl' Acccunt We want
to I5W1"I! yell ttMt. we hive 'l:aWJ, ~ and will c.ontinue to
tau fJCps, 'to smeguard that lnfarmltlDrl.
Thb: Privacy Polley de:lictlbti ~ eftcru to meet these
oDJe~!$. n inclueti" ~ en i'ne per5Dna\ intormnlOf'l
we mlltet. when )t ntly bf. sha1ed with oth2TS, how WI!
wp-prd th. CDrrlidImiaIJty 81ld.securit)' of imol178'tion. ~nd
the ~ ttm: you mI)l uk! 10 \jmh our sharing cri such
irrfDrT'l'Mion w1tli others. Pleasl! l'Yd it car!fuUy. WI! hope our
pmat)' Policy wilt help yQU undtl"St8nd I10w IN<< Q)/lK\. and
stw'f. Vrionnatfon.
1. wHAT PERSONAlINFORMAl1DfoI DC WE COU..E07
iQSI;M yo\l, blm..- ilnd.~. our .bu.rinez, tt ~ ~
tha1 we collett .end I'nIIntJffi .apmf p.er.sonaJ !ni~mRIcn
about,YOl.l WI!' obtain 'this irr1onnItiOl'l 'from appfu:MlD#5 and
omer1~YCU ~n.'\t1.U!o, innn)lql>> tln\\ngs"W'rttl U5 ann
athen. iTom cor.sumer -reporting .g.nd~. .rid 'from other
sculCe&:, sud1 .as our w.b:shes. for example:
. W, Jnly obtalnlrricrma1ltJI"L S1Jcn as your name, addt~ ,nd
date at birth ircm applitl'tions .nd other forms you submit
10".
. WI' may atrtain information such IS Au.culTl: ~I.rns.
paynnt l'riStDr). ~ w: af)DUr Attwnt lIInd the type!i at
~ ~CJ11 Qt<<flU' from ~ur transaaions. aM. adw'
d~gs With us ,nd othm.
_ 'Nt may obtall'l lnfcrrnIiian sudl as tht b,Jancu of your
It*l1 With 0'I;hc1 ~ and your peyrnent hiSb:lfy with
othef'S tram con.Iumel'" tepOl"dnQ ilgendas.
. WI! mJY obta1n information st.n:h a$ your Internet St:~il:e
pl~ :tOllr -domain. nlmt, your tcmputer's optmng
sys1em atld Web brtMMt. your Web site LIft .nd yeur
product end seNke prrftrtnceSiTom ytJUr visits 10 cur Web
sl1ei.
2. IS ,msoNAlINfOIU.tA11ON' S'HAREO WITH 07HER$?
We lim)t;he sharit1g aI \n'tormI2ion whh atheD. M'eJ1)' Df'the
mr!lIS)IOu r.eteM ioJ .prc:dutb ~1':lcl s!ltVitl!S we.Pl'~
dif~ 'Q you from. us. For campla, .. retallet thet ecnptli:
the D'5tOVII'"' Card TTlIY CDrn!' to us wlth I Jpecia,1 cmer tClr
<:lrdmembe7's, sum _, . dlsanmt cettiflate ot product
uDCrtlde. A'iter cttriul C~OTl of the nnurr en 'the
offilr.l)15~~""Ht.-M1\Q~~" \\s\ m C&fmnem~TS
who may be interesl'td 11'1 the offer baftd on certain
thalllCttf'istIa. We will.r~ '!:he <titer d}1edtr' 'to thou Card-
me""" on _>> aI 'Il>e _I" Dy. tor """"1'\0, In<lud,,,,
.n )nsm. in t'nIIr ~ bUlinp SUrtemel'll or nm1\n; 'the
offer ClLll'H1Y1ti. 'Nt r:crmrol 'the jrrlormatIon USl!d 'to make- the
oft.r. we 00 ntrt shan 1ht: list. or ;my perscn>>l intorma:t\ol"\
wlththll'retliler.
..,t2-
Thllre.art, however. timun5tltntt5 in which we may share the
irriDtTMtil:ln we toNea about you, I!l~ descrtblo in S<<tiDn 1.
with other c.EnTlj)Inie:s in Dfder tD-ptC\lidE: :yoLl with jKt!I:SS'tO
prodUIZ ,nd urvites and to seNitI!! your Account effectively,
at d~i1~ bl!tow. We requ'M thes.t ~ti...o ..an~Tt;,o
our privaq stand.rds and to use th4lrrlorrnation only tor tM
Jlmlvd pUrpOSe tor whkh tt Wti mared. We do not allow
thelTl to disdose jf: it! atner.i wtthOUl our prier approval.
I. Shlrjn9 Personal JmortnJltiOfl-With Cur CarpDml"F.mJJy
We Brt: part of the Morpn S'l:a"~ "Oan 'Mtt~ :hmlty of
GOmpanies. Our torpor:l11 family cffm a wide v.rlety af
plQ6uannd.senric1!S tha't "'" h~lJ:l you mlha~ youriinance.:;.
it'< Dl'at\C1 pJOol\dl!. yo.u~ att._'U>~.'P~ an~
StlV~ WI may.$i1.re the lmDl1Tl3tion VIe tQUact about you.
as dl!!Saibetl in Section 1. with other m-embers of our
(orporm: h:mUy. Tbe:se com\)lll~ 'indUo!; -nnanda\ W!Nic.e
proWSen.1hat tiHeT monpge lending Je~, St'curit1es l!Ind
asset maNIgemem..servlees. irNesunent .opporwnlties and
mutUal 'fund!.. and, may 1nd~ IlDno-nfaflCial:t.eNia providers
In 'the iutUl'e as our tcrpo11l1.t! family tontinues 1D groW.
b. Sharing FtimM} -Jnformalion w/t:h Nan-AffJn.l~ Parties
for M:.rk~tlng AlfP/:JSeJ.
WI!! may ~1u11! the IrrfDl11\ltlon we tD!lect about you, JU
de5atbld 'In sroicn '. wn:h nQtl..;.~tl "third }:lI'TtJu,
Indudtng thasc that ~pt 'thee DIscctfw c:anI, In met "ttl
'Provide you with ~ to pr.oduas and fttYices o~,ed
directly by thaR compani. that ma~. be of wlUt to you.
These c:ampanies mOOde fln.ncbl 2NiC2 providen,. such as
lMS'lJ'Bntl: ttmlPInies, anc ~nandal tOmpal'lHls, suo, as
_\to",
c.. Sh.ring Pe:ts=n,} Jn1Drmatjon with Other.t
We. miry lhVl! 1M \rdcrnmion 'IN\ CtI.~ ltbwt :fOl.l. as
dtsOibed in Section '. with C)m~es. tfwrt ~ 'JI..IppCrt
or ~of1lnQ s.eM('a; on our bdllff, 1iLlCh as m.iIlnQ. merket
fa-drch ana dm.prac.esrlng; ather fina!\da\ in:rtiWdt:lm wttn
whU:h we ~ jeint mlrUtirrg agreemerrtf; .01' CtImpanies
that are our' partl'Iel'l 1ar tQbA.nd csed)t ard programs or
reward ~. We. may llso .!hate. such ~1Tferm1Rlcm II!
pOI1nltted by I.w.
3. HOW DO WE J1R0TEl:'T '1'liE COHFlO!N7WiTY. S!QJRTT"'f
"WD i}l1'E.GRTT'Y OF tNfORM)cr)CN ABOUT YOln
We maintain phfliClI, elotctranJc .nd proc.eduref 5I'fe9uarcb tD
prcrtect the mtormatton we caUlItd. ~ you. kJ'.fJSS to 'SUd\
lrrfonna1ion is rest:l'iaad \t) lndividuak'Who need tUn order to
sa1'\ol1r.e )IQUT ~nt OJ 1'I'C\lld.t produas and senoic.-a to you,
and' who are 'Ualn~ in the. proper Mndnng at sul:h
tntorrn.tiPn. fmployees who llIiolllte 'theM c:cn1idembd11y
rMIu1rtmems IBre subject to oO\Jl' dlsdplinillY prOC'.CS$.. Whera
third ~.rties QtOlItde .li1J9'jXrt RN\a$, 'N'l!. ft.oqu\~ them ~
comorm 'tel our prWaC)' n.ncIardJ.
!tIS impatUm that 'the: Imorrnl'tlon we malrrtllln aPout you is
,.CQJme and totnplete. It you see inforrnstlon in )'ClUJ
ITIClnthly bIDing $tatemen1!5 or e~ which ~1!5ts thl'f.
-13-
DUr irrlonnatJon j, incomplete: or lnactuml!. pie-ale wmr to \Ii
a1 Oi&",\o'prClrd. P.O. am 309fi1. >an Lake City, 1118413D-D9"
50 that we can updatf' this iniormation.
AI. HOW CAN YOll UMrT 5HARING OF IHFQftMAlloN ABOUT
YOU?
\Nt! tespl!Cl )lOUT privacy and offer you (hoitts ilI~ tD whether
We' ~ Milt! intormwtion ..bool )'DtJ with r:rthen. # YDU
prefer thlIl wrnot 1I'hI~ the jnfcl/'mltlCln we celled about
you, lIS ddJ'hd In Smlcm t, with non-JfiiBated third paniea.
or i1 )leu pmtr tn-t Wt: no:t shart 1t\a\ \ntGrTMt\on with
companie- in our aarporatli! 1amlly, rou m~ opt..oot, that is,
you n'lill)" diRQ US oot to shire 1fl!t lnfonua'tion. If you
Indican I pr!ierence 1:Mt we do nat share thIS!: iniorrnatiQI\
pea~1! III'ld!ntanz:l'tim you wjJJ not receivt ,,11m ior prodUds
and sM'\rit.ts provided by other cmn~t\la: thit could help you
lower yoU' casts. mlximiu yolJl f1T11ncial re5OUfl:'es and
managl' yOU! finances. Tolndlc8t! your pr!1eretla5. call us at
1-800-225--202 Of wrtte to w at DisaNer tBrd. P.O. B= )0961,
Salt !.like Cfty, UT 84130-0961. 'to1k'M'ftt2n I1!'quest should
Indudl: )lour name., IOdrs. 1eftphDM number and Account
numbtJ1.s) md should not be 51r1lt with . aoy other
cornspan"nu.. In OI'dm'tD pr,ceas your ~qul!lt,. \Nt' req-IJire-
'that the request be. provided by you d~.and nat'threugh
a third J3l't}'. You wlJl need to provide w with yeur
preRrences 101 each ergOt card !lccDllll1 you M\il! with us.
Yau fflllY no1Hy us .bout yoar prrier.enms 11: .l'l)' time. If yeu
hevt ~viQtafy ~ U!, ;r Is net 11<<91'1' to do 50 .gilin
unless you decide tc change your pte'i~JQS. 'Your r~quest
will remaln In effm: until )leu notify lIS at!lerwi5e., WI! wilt
honDl' yctJ111'QUII5i anO not hFe tht ll"lfarmatlbn we conca
jlbcut you, m:IIpt ill peI'I1tJned by law. For ~umpl~ fedml
Iii..... permiu us 1D sh:are fmcrmiltlCll'l J:bcnn YCIJ wtth ~l'15Urner
teponJllg agenda. servict provid.rs and mlrkltlng partner:l.
It .Iso permits us: to shan il'l'ft:,rmriClll..bout OUT experJ.nas
Ind tn.l'15lICtbns; with you, such as: your Acccunt"balance:-and
~yment hktDry. With ather membelS crt cur tOlllotl'te fIlmily.
If you .art I new CIItdmember. WI! wfI1 not sh!lll! Bny
intormltiOfllhout YOll, 1!!Xa!l'l i!S permitttd by.law, f01 thiny
uiiyS after WI' provide' this Policy to you,in ~er te give"Yl?lJ
an opportunity to lniorm us tbout your preT~nce!. 11 YOIJ
..re III exkDll9 Cardmanber, please undlll'ftlond thllt you may
continue 10 receive mJ,u'tlng offm directly i7:om .ather
tDTT'IPInies 1h1l lotfere a1ruav in j:lt'oductfan prior 'to the
,Drocenlng cf your 1'tq\Jest.
Tni! pfi\Iar;V ~c:y is 'P'O'iid~ ;'0 ~ primary Canimember
>>sted on thI Acwurrt. H~ 1Jri)' joint CBrdm_mber has
the riglrt 10 notHy ~ about.prrfl1encu9fld we will trot th.ri
requen as ~ng to th! emit'!' Account. We do nat shilll"l
Information IbolJflonner PJStoml!lS, txcept 15 permitted by
1lIw.
Thif priveQ PoBcy is pl'lWldeo tel )'00 by Disc:cver Bank and }b;
9Jbsldiillrtti. wnidl currently include t;rr'insurance AgCflCY,
Inr.. It applies to the D15awer f'l.etinUf1l, DlttlWU Gold,
-DiscDWJ' amle .nt! Discover Privltt.J5sue"" Cards, l!Ind 'the
-1.11-
ptodLlaJ and ~rvices oH!fld m CDnnflrtlcn with tnast c.rds,
indud'mg The I\egist",. am:l rllglnrlltlon 5l!rvicl! (with ''the
exaptian of iU'\)' information registered In connection IAIith
the servke, which wUl not be shartd) and thl! tIlKD\lB
b:ch.nqr p~nt serviC!!. 11 Is part at your C.rdmember
Agreernem and provides a further explar\ltjDfl af how we
ten.a and m.rr lmormation. P\ease note 1hirt you wlll also
fltUW!! pfi\Iacy,natic!S for oth" aedtt card a<<Dums you haW!!
with us. <<5 1W1I as other 'finand.' prDdurts and se~
provided 10 'yOIJ by us and cur affIlbrtes. '(CU wnt nud to
lndiem )IDllr preterenta f01 each af theft Hparml}l as
dildoJed m'tne notn.
ClJllPlGD0401
Your Billing Rights .
KEEP THIS NOTICE .FOR FUTUR'E USE
Thl! tlatkt ronudrq Important intormatio.., about your rights
and our responsibilities. undertne Fair C.redlt' BlItlnp Act.
1. NatHy'Urin ea. at Erro~ or OuestiotU About Your am
tf )Iou 'think )'Pur bill is wrens,. or H )'0,\1 .need mere
il'lfQI'l'nWon ilbout a 'ttansattion on your b11~ writ!': U5 on a
stpsatr sheet af paper at the IdClra:s: lisled an your blll'.fgr
/llatlc.e of Riffing &ran. write to us as soon u posslble. ~
musi hur trcm you DO Bur 'tharI 60 dayJ aTt:tor \W sent you
the 11m bm on whim 1h~ I!"Of'Dr I'roblem appeared. You c:an
't2lephone. U5. but dotnQ $0 wHl n!'l prael'W. your .rigtns.
In ftIur iettez; "We lJ5.the fO)lowing informatlon:
. your twM. 'and AecouM numbl!L
. your dolJar Imeum at me suspected errcr.
. dewibe the: error and explain, if you an, why you be.lieYl!:
then:- is' an errot. If you nel'd m~ iniormatlon. dflSaibe'the
Item you are net R1re .about.
H you hIM! .uthori:zed us 1a pay your eredlt card bin
aU'tDlT.atla11y ircm your savings ar chectinQ !I~rrt,' you OIn
nO? -me ~ on alT,f amount: you th\lU: is wrong. io-nop
!be ~)1mIm. your Jetter must rUch Ui thrH bwinus D3)'S
~ the automstlc peyment Is sd1eduled to CQ1lt'.
2. Your RJghU .nd OUr lfespcnmb1Jities A~,. w. 1!fKII}Jve Your
--
We tnLlSt: acknaw\edge your }mer wtthin 30 d1l)'S. unless we
hIVe c:crrt!ctrd ~ error by then.. Within .90 days, WI! mutt
eid'w correct the. errct or ~In why we ~Uew.1he. bUl v.m5
a>rrect.
After M ~ four letter, we cannot tr')' to caHed: any
amount you quertion, or report Y01J as delinqul!nt. Wt can
continue tCl bin )'01J1or 'the amount you qul!51:icn. Indudtng
iinante r.ba1'ges, andwl! Gn apply any unpa\d amtlUJ'lt against
your At:count .eredit Ifrntt Yqu .do nat hIIw 'tCI PlY Py
questioned 21mount while we Ire invtstigating, but YO\f a~
stlll cbngil'ted tQ p1lY the paJ"b of your WI thl!l't !Ire not. in
questJon.
-15-
If we firnl that we mild! I. mime Oft your bit!. you .will ncn
luv! tD pry Iny 'finance char~l!S retl!lId ta any q~oned
BmDUr1.. H WE' didn"t male! i rmstake. yoo may have 10 pit the
finant~ chafge5, Ind you will """ to m;lk. IJp a"li lhlS'8<l
paymenu OIllhe- qlle'StiDneo amoull1. In etther case, \III!! wllJ
send yoll " rmemem 01 the amoum: you OW! and the dlftl!
that itl.tdJJe.
Ii you faU to pay thP. amoum 1bIt WI! 'think ~D!J OWl, WI!! may
report you a5 delil'lq\)fnt, H~ 1i tIllT explanrion lSoes.
J10l allsfy you endygu write uswithlnttr, cla)'SteHing us tfm:
you rtJl retus!!: to ~ we must leN _nyone we repoM you to
that YDU have oil question about your b~J. And, WII most tell
you the nlmr of .nyone we repomd )'CC.I to. WI! must 1e'1J
. onr WI: reotIf't you to thJ\ the matter 'P" ben lmlt:d
~ IS when It l'in1Jly is. If WI don'11ellaw these rules.
we can't cofled 1M fitst ~SO oithe qlJl!Stioned amourn, eYl!l'I
l'i yow bUl was correct.
3. .5pedt1J Rw.r For CndJt ~rrJ P,lJl'Chas.
H you haw I p'robJ<<n wtth the quality 01 ;oodJ or Rnllces
tna't yaJ purc:hol..1'd wlth . credit OITd. .and )'cl.I:Died in gcod
'filth to altI'il'Ct ft probltmwith the. mttehum. yc.u may tulve
the J'jphl not to pay'ttle ~majninll.mDUTTt due Drl the" goods
or semt!!. There: Irt two IIrrr1tJtionr on this rigl'lt
(a) you lNISt r.ave madttht purctau in your hal"l'Jl!! dnto or, if
not with~ ~= home stitt, within 100 miles of)'OUr current
millD.n9 ad , and
lb} 'the purch_ pridl must have been mart! ttUIn I5G.
ThMt' ~~ do ncn. \pply tl' w.. ovm Q1' open1:e 'the.
merchtl'!t, DI fi WI maned you the IIcNmsll'l'\H7l. ior 1hI!
gocdsa services.
DISCOVER' CARD
CASHBACK BONU~
TERMS AND CDNDmONS
The. tUbbad: 80mif' Tetmt .nd eondltNms ~ a
Stpll1lte oInd irl~ aqlUment 1n2m"th. c.nt1tl8n'lW
Agrtll'1'l<<l1'l and lIPPtY UI AttD\lrrb 1Mt pattidpate. In the
CJ:sh!lJ>dc: Bonus prtIg~ HDwever, 1heft T.rms _nd
C!mditicns al'4 S1Jbj.d to the Arbftrrion or Disputes udicn
of thI C.,.dlTlember Agreemltn'i. Whith" \ntorpor~_cHlI.,.in.
1 The Cashbad: Bonus IMrd is 1I11l11T\Ount denominn=d }n
dosl., and 1::~Ttts which ~ be earned by Clrdnwnbe:lt br
using 'their DkcOYert' Card for quarlfled J;llJl'Q1ues. A eashbad:
BonrlS award is riot etmed ior Prchibbed lransaQlans (as
~ in lht Catdmembtr Agreement;). cam aowoC!S or
ba!Ioce ....nmr..
2. lashback, BImU5 paymen1S aft takulatad .bas...d lJr\
punha.s6 m.dl!during Jln aMUll' period COtfe5J'Clndlng to
the Clrdmemben anni~ry !felr. Tht!: iim al'll1~ryyear
begns on the dmthe tardBWutd and'<<ldl on the last day
of tht twelfth momflly biJfing period which 10"0\14. E8cb
-16-
suctejSivt anniversary yelr is tt'U! appr~imate Dn~ear
Feriod [cmprim! rri'tht! nl!X'l. 'tWelve. mOl")thly .bT1Iin51 pl!'riDtiS..
3. Ex.:tpt liS Qtherwi$t notl:d below, tile CashbllO: BonU!!i
award is olNblteo by mLll'til'lying ellch purchase by the
applicahltpl!1centlgetBl.e:
. ..2S% ('002S~, ii the purtkut ~ /)an of me flm :;., ,000 In
purd0a.se5 duri~ 1h~ IIl)l1ivel'SiUy year,
. .50% ~OOSD), lithe purrnas. is part otthE secDnd 3'1,000 in
pard'wes during the annlvenary yelr,
. .75" (,D07S), "the purdvtR b pert of the third S1,DOO In
purchaIe5 during "1+Ie InnNelJ;lry year,
. 1.D" 1.01), H tIv purchas.! u pan of "the purchases In eJCCe$5
at 53,000 during ihe :annivtDary.YDT,
Beginning an May', 2000, the tpplicabh! .pe'tcentlgl! rite' for
IU ~~ ma~ af warahDUS! dubs during the illnoM!!l.sa~
year wJlJ M. ibed ITte m .25% (.DD2S)' How~'. 1hae WW~
hClJ5e dub putthlSeS wilt c.orTtfnul! 1c bl! Included in the totaf
Imown trl puttNr,RS mIldw: win; tht annivemry ynr and
usrdtQ determine th\! applicable: perc.mrtage /1Itl! listed above
tor other purchases. Please all'1..aD1).347h?B9Ei Dr visit our
Web.ml! ill Oi.sa:lwrQrd.COM for a lirt Df warehol.l:Se dubs.
The tDtII o:f thee mlculattoru: 'for eld1lnnrwrsiJry year is the:
nmed ..mourn at thl! ~O: ionUl award, Ywh/O! wUI be
paid IS dtsaibecl beiow pn::Nided "dle condJtjQDJ 'ol'l'taln~ in
paragraph" beloW an met. Thl! ak:ula'tion begins again wtth
1M beE:.n.ning at Md'l iII""iYafsary yur. Th1! c.rdmembers
IMf1'th billing statement wJlI .show the ..mea _mount at
th~ c.. 10nu5 8IWrO and tom) purchMfi 1:hJ'DUgh 'the
rlirte at thl! .rtiIIt!rnent for 'the current .."nivRm1)' yur. Prior
to lCllJal pIyITIent. the: purchases on wbil;h a CUhbad Bonus
IWIrd is' adMzted may be audtted for comp!isnc:e with these.
,.",.,
~. The CIshback Banus .ward YEt:s and !s pald shortly afm'
udt annivel1llryy..rl'O those Ctrdmtmbers In goad st:IIndlng
on'riM! >>nt'IiYcsI1')' dmand at1:h. time cd th. p.ymerrt. T.o tJ.
in good standing. you may ncn.be. In default (II dmn.~ in the
Clrdmenmer AgrHm-trtJ and you.may f)gt have used )'Cur
~ fcf ~ Pn:ltlIbked l,..,nactionl within 1M put year.
If'rI ",""oum: is dosed fat at))' reason prlor1c th" anni\lenary
11m any CIJhbad:. BDnus .IWU1:I...rned by the Cardmemb&r
:sin~ the lISt annivemTY dlltl wl11 be icrietted. Cardrnembers
who are d.elinquent at tM tUne of the pa!(ment may, It the
option of Discover Carti. have 't'Nlr CashbICt Bonus 8Wilrd
appUed IS a aedh: to 'th~ A<<o>>nt.
5. The end method of payment oh Cashbad:: Bonus award
mil' chII'ngt trom y..r 1:0 year, W\ 'the taramcmber. \loill
b8\ll! the opportunli}l to rKf:ive . Ca$hback Bcmus awM:Ell" a
cash equiYllent eLe.. check or credit. i:CI the Cm:lmember'S
Account). N. part at i:tw: PI,Vment method, the Cardme:mb~
may hIve"tt1e opporwnity to meke. choice as to the mmner
In WhIch the Cashi>>dc. loma '8WIIrQ iJ paid. The 'hI1Nr'e "to
",,1I):e sud1 a choice on a timely basis may result in 'the ~er~
ctf deituh PB.Y.mW optiDlis. It is the: Cardmember's respcn-
sibil~ 1Cl natffy Olscow:r end -in the event a yshbld Bonus
payment " not received ior IIny retian.
-17-
Tne CallhtJlIcl'; &anW: a~rd is. pilldto QlJItIHyin!il Cllrdmembets
e:ith~ by metnS of II ctedt1 to 'the Aa:tlunt or by a check that
is malled 1DW Cardmember in Oiscowr C.ard's sole diKmicn.
6 In tM !YefTt II Card is 1DS1 or Stmen.1he eilrned amount rrf
the Cl$hhad: BonlJ.5 8Wi11n:1, 'tne amount of qUJlliying
purchases..nIl the anTlNemny dll'tt inlro the old Account wilt
bt 1Jansftind to the new Act.ount
1. DGcotte( {ard rese~ ttle rlgl1t to make other adlumn~ntt
to ~ Rcnus amOlJrTiS tamed wed on Acc:ount atrivlty
fe.!!.. II medi'I 'to an ACcount in cnnntaion with B prior
puJchaa win result -)n a reduttIon 011ht CashbKk .!cnlJi
....rdJ.
a. 7he5r '''rm and ttmd'1tlon5 lS1! wbjta to change without
notiu. Changes may be malR during e-, c.,dmamber's
InnivtlSlty year, and may lndUlh hilt arE not rlJTlh.d tg,
modlfyirG the lev.!!1 at purthses required to qualtfy
for tht WIrious 'rim.' esu.bl\smng a l"nIDl.iTnum amount. at
Cashblitk ~ awill'd Cardmembtr5 may rflceiw:, changing
the 'types at traT\Sletions thst consttrtM I purctul.li&. dtangif19
the amount gf CashbBck BanuUWlrd famed Dn CMUlln types
r:tf purchlm. Imposing .addttiooaf,~ cr t'mTlmatlng
the p-o!jQm.
DESCRlPTlON OF COVEP.AGE
scHEblUD AiR TRAVtl. Acotlatf tNSUllANa. Ciscover"
CIasik C:In:ItMmbers are prrmded with up tel S15D,OOD
Sr:hedllied At.Trawl Acdclenr" protection. Wh.mnenoT yeu un
ytl\lF DiJcowr D8SSk Card ttht amdlt. card") to m.rgf )lour
.ntir~ Commcm earner fart 1ldm en a"1 Coml'Ml'dal Ainnft
cpmud ~ . Sdwdutad AIr earrier under ~ Ikenie fat the
",,,,,,,notion of-_ge~ for .lrtlhVem called scnoduled
Air Climer), you auwmatil:aJly /'KI!i~ -tbls valuable CD\Inge
at no Idtfrtional rD5t.
1'h! bt.nritts of the- lIo1"scy Pf.O'I'iding your' ,0I0'ti'age iI~
governed pnm.~ by the QlW ala 5tlrt:e crther'thln Florida.
'ilCovefa~ is ~n '" H:lti0lW1 Union f'1f't \nsUn;n:::e
(~ of Mtt;burgh. I'A li:h~ -/nSurJtQ Company"). with
offICe in New York. NY. Ceruln runnn;cns IInd adwlons
-.pply.
PLAN nATOR!5
I smrfh Amount 5150.000 family Allsrltg.-le ~p8J.sum j
ACCnENTAL Mfl,'TH 'EHERrs. ~ t.twerag~ wnl be
~UIIi1>W beMfit. amDuntfor aa:ldentlt loss ofllft:~ The IcI5'
mtSt oct:Uf within one y..r of tie' .c"dent that caused the
Injury. F-mHy Aggr.egR~ Plindpal Sum n'NI&ns th2 tDt8J
ancllnt of insunnce jn iara on.~ 'C310membeJ, hk at.f1et
$pQIM a7Kl'their depena.m. c:hiCtft'en far.ny ane ~ if
man 1Mn on~ Il'lliured Pti$Q'I' dies IS the resuh: atthe Injuries
1l!!_d In any C(1Il! .ccldent, the Family Aggregate Plindpal
SlfTl'Will be ~ec1 and pIlld m accordala w11h the claim
~'I~
payment and beneTldllry provisIoN of the Policy. Once the
F.mlly Aegregm principal SUm is paid tor any one Insurll:d
Penon in iI hmlly mil: octUr.I m "lht result of- "l7)' tme
au:ident noiunher ~ en payable iDl' iunner 0Ul~ in
thB'l. FamJIy dut Ullnjuries fll!!Ceived in 'the same l!Ic.cident
'"1tljUT)''' meil~ badt~ tnju\y. (a1 which is s,us.,:Mned .~ . aha
retult of 1!I1'1 uninrendt'd, IJNntldpated accident that to
U'tl!'mal to the body ltnd tha1 DCClJr.I while the- Injured
person's CDl1!n~ umiat tb1s Policy is in iorcl!, andlb) which
d),ectiy (WSependem trl" s.itkntss. 'CiIsIlSt, mmr.l j~
bodIly \nftrmtty ar a~ other cause.l tiIoUSH Ii covt:fed \au. '
DtSAPPfARI\NC: BENEfITS. We wlll praW'Il! you suffe.flId less
of tiff. due 'to &n acdderrt. tt: )'01.1 are ridlng in I Scheduled AIr
Carrierthlt is ,"",,""ed in iI CC\II!t'td aa:~m and iti.ll reutt of
th~ 1ttl6em. the S.th~uJed Air Carrier is wrMbd .sinks or
disappurs;: .nd your body is nat iOlJncl w'nhin cne {'U yeB~ cD
1.btilctident.
The urtll at 1!I11 beMflts ~ for ygu, your spouse and
)lour dtpandem d1llclr.n tram. the. Ame accident wlU nC1.
uCHd tbt nSD;ODO Family :Asg~.-tt "rindpaJ Swn..
EUGtBlUT'r'. Thil Il.JtDlTiatIt tnsuratl.l:a 15. p'l)\J~ ta etlgtbtt
hoalders at thl! afldft card ~ nmw apPHr en the O'~it
elrd, their spouse! .nd the-tr unmlllTied dependent children
under. 19 II~ 23 if IJttendmS .schoo) on a h11~ basi;
an.d iuitij dependetrt en yw ~ su;spart). f-IDW~. lM agl
limit doa not .I~ tQ I duld who Is Inl3pable of self.
~ustainjng employment by fI!&SOn at mentaJ or physial
,napodly.
EfFKTM J::lA"l'5. Your Insul"lnte iJIldt!r 1hI5 plan is: effective
on the later cri: 1) JLlI,)' 1, 200:1, Dr 2) tne d1lt.e YOl,J become 111
~gIbIt pmo1\o -;'out insufancc under this. -phm wfll tll.tIk tln
the _rJ~r of: n 1M date the !Munrnc.e coverBQe Is
term~ or 2) on n dim: )leu !9Se' to bt III ,eJisible
hoJde-r tl'f1he owlit card.
THE' IlENEFICARY. Unleu you desigMte ot:herwisa.wIth II
blnriCary designltion form, )CUI' oeath benefl1 will bl!,paId
in equal shares, to tht 'first surVivIng dus ttf.1:hC:l5t 'that iollo~
(1)ycurspowe; (2) yourcn.1dnm; {3} your plrentr; DI (4) 'JOUr
bruthen; and stJten. tf hD dll5l has a 51.lTVNOf,1:tI1 beneficiary
Is yal.lf .stllt&. You mlY chengt,yourbe:nefidary by writing to
the lnsurenta Company at Aedderrt & Haith DMSiOt\ son
West Madbon Street. Suit. 22.SO, CrncaqD, II 6066'. '
C1.tdM f'fI.OCEtJURE. c:la\l'tdtJT'm!. 'CTIlIy.be obta\n.s ~h
tl'lt InsuflhCe CcmPl!l11Y- Clelms for benri\t5 must be: 'flIed wftti
riM: fruurance Complny wtthin gO days or as toon l!I$
re~l5Iy pcw1ble I'l1ar 1he leis occurs.
P1.AN OF INSURANCE COvnAGE. Ypu. l!I.5 a Clrdmtmber. Ind
)'Our spouI. .nd chlldrwn wUI ble 'Cl/t:l"I!d .pinst injuries that
Tl!$utt. in !!In .ccidcmal ~ while: .. pa_ngar (not. :an
o~r.aror. pilot. Of (few member) tn or on. induding getting in
or Dut of, or on or off of. any SdleduH!d Air Clmer ff the
Common Carrier Fire Ticket 'for 'thl!!.f\lgtrt W)~ charged10 )lour
oedh card.
-19-
Camp;rir:m 11dr.rb \slued 101' itl!!t' w\'ttl 'the -pun:n.R l:ri it furl..
fIre CGmmon carrier m.o!t and used by a ~poUiC Of
depeltCletJt child will beo amsiderecl as tully d1a~~d to the
aedff card. If the corresponding full Comrnan u:mer FIre:
lid:.l!I itcharped to me amit ard.
Ccverapt is effectivlI! wher1 you board the Scheduled All'
ClITia, provided me iull ~mon C..ftler Fan lickBt is
putthaucl, Dr the tRowl fUlMtion ir. ITIJIde 10r 1ht
W1l'lpaJlDn tlans. prior to boarding such Scheduled AJr
tarrirl. CD\I8rag.e ends when )lOLl arJgl1t trcm the 'ScneduJed
AlfCarrier.
OalSOHs. Benmts Ill! not papblo!' If the kw,b; .caused by
or results tram: 1} selt-irrflia.!d InJUI}' or su}dde: 2) sickness,
diselSl!, 01 mm'tl\ inapadty tlf bodily inhnnity whether
dir~ 0( it1directly. l) tnfectloftl at any kind re.g:lrdlus: of
how ta"tTlatd. ext8J1l batterial infettlans- ttm: are d1recrly
aused OJ botUlism. pcDmlint' poisorring or In leddem:a/ art
C1 wound incI=pendtnt and in.w abwl'lCl! of any underlying
$idtne; d\seut u .amditloCI. lndlldln; but nest ~imtted to
diabe115; 4) committing or Ittt.~ 10 commit I!I felony; or
5} WI' Dr let oY war, dedired' or undedired.
UNJTATlDNS. Be~ will anly b, payable under one Qlrd.
membtr acctlUN!.- 1ht credit ard under whirll 'tht! Common
CIrri.. hre TlCk~ W!ln!' fully charged.
Benefits a~ net payiblr for'/me dlJlr 10 inJuI'l' msbin<<l
whUe on I "iDr whi~ b titkm ware .purchasad whh a
tr.qutIllf\yel_
Camplm prcwbiDf'6 peruinlng 10 'this plan of imUT1llO..,.
~ In Poley _ lDwod by.Hotl...1 Union "...
InSUl1ftCt Company afptttsburglt,. PA wtth affices In HIM
'r'od:, NY. Thl! plU'lium 'for 'this inlul'8PlC:e is paid by Disawr
Fmmr.:iaI ~,.Jnt.. QUt.r.tf itmma dr:riYed '1rom hs.aedIt
can:I<Q~ns.
PlWI!! read this Dacriptlan of Covt:rag.. Kftp It in . sm
ptlct with ~ur other lnstmlnc. daeuments..Thls Desdiptlon
of CtMI~e ~orm -Humber Sl03&5t)OQ is not. CDntl1ld: at
insurant! but \s simply an iniorma1tve statement 10 each
IlIgbI! Individual Din pTindpa\ pttHis1DJ1$ tl'ftht il'lSll'J1lnte:
""'lIotnl!ff<Ct.
tf.tDl'rffid t".dsts betwun "stm.ment WI "thit.-ctsoiptlon.QJ
Cowragt and ITlY provisions in the Policy, the .Polity wJJI
gowm. C1aill"'lS administered by: AlH 0aim5 0epaJ't:tnent, RQ.
Bo;t1S1D1, WiImJngtDl\ tlE 19S5o-5701,.(BCID) 551..0824.
EXHIBIT B
FIRST SELECT
CORPORATION
ACCOUNT AGREEMENT
Your DISCOWRlccaui:has been trIOIferredlo FintSdcctCcrpcnt.ioo.. Y01.I' DISCOVE'Aaccount was doted at tbctimc afthil~an6 will thl!l'd'ore comnue to be
closed. Thill AcCDunt~.tmtanltbetemlllthltgo"em ye... Fira8c:Iet'lllCCQmt (the"Accad'). In this Agreanenl."you" .d~og>'mC8Dead1 pmmwho is
liilbwf(rpaymallm the Accomt ''Wt!' "ool'''."d ''us'''meal.FintSded.Corpcnt.ion oritBlIB8ignec&:~BllCIUIICYour AcCOll'thlllbem.tr:msi'trrcd 10Ul, YOOft' now
obligated to repay theAccOla1tto WI instead ofDISCOVEltlftheAcCllWt WlSq>ened. ajoint ueomt; we.may,a cnthc inmuctioo8 ofanyjointacoounfholder.
~tslFlnmce Cbarps: AI Ittigllll.YOO have I balancectltstmdq CIl your AccOlllt,finance chqcs nc8lculated ..folloW&.
TofigtRthe tlrurice charge.'for each billq cycle,.we DJJ.ltiplYthe lV~e daily 'biliDcepcriodiCratie. Thedailypcriodic nte'we applyilJYour Accomt Amual ~
Rate divided by 3~. The Annual PctccntlseRate will becakul8ted. dilcl.QiIedinyoll' moat rttcnfDlSCOVBR llccomttcrm (tbe~'Qriailal TctnIl").IfYOl.i"Clrianal
Temvprovidedf<< dil'ercntAnrmal Percertas;e Rate tct be IlPplled to different cOI1J'OllCl1tll c{your wtltandina balance, we will apply the lowest -.ach Arn1aJ Per<<ntagrt
RateonyouraIire owtandingbalsru:e.
Wemaytceept!ate ct partial psymem.crpaytTlCfU merkcd"paidin full" or marked With other restrictions, wilhcut Joling ourriahtfo colleCt alllrnomlllOwina meter tbis
Agreement You~ IIBkFiutSe1ectCctpor'at.iOntopayy<uA,ccOlll1bydebiting)'OlrcheckirJB; crSf!vings accoonl You DlfIYrewkeytu Il.lthorizItim by WitiilgtoFint
Seltct CLlstoner Seivice.
FeeI:Wewill chargc'yOlr AtcCAUt. feefOl'eacbbillq:Q'Clewithinwliitb ~Al:cOtitt is delinlpat(latechltat). The.lIIltwJO: ofJhelate dmrgewillbeudisclosedin
Y01D"Origilal TCnllll crlhetnlximnnlatetbargepein'rltttdbytbe IlJWofywrstfll.cOfrcridCOce, WhicheveriB lower.
We will chargeytW' Actfi,"Hee rcreachretw'ned:p:aymeni check (rebtned c:hcck cluq;c)~ 'Theilmcwt oftbe rdlmed checkdwgewillbe udisclOled in your Original
Tcnns. crlhemaxUmmueturnedthedr. ch*!"F pertnittedby,thelaworyOW'state ofresidence, whichevctislower.
To thee:rtent provided'ln ywr OriaInelTeDits,mdto the eXtent pcrinItted by fIWlitable law, inadditimtoylU obliptiOlUlto PllY thcoutsteadina:balanee onycurAccount,
pius interelt aDd fees III diicl(8El! herein, we mayal80 chargcyoo f<< llIlY collection cOlts; we mcur,includq: butnct limited to nsmllbJe attorncy'l fees andcowt"'ItI.If
your:cnginal TennsprovidedfO'ID llWvd ofottcntey's feet sndcowtcOllt.ll. BiJch provisioo as mcorporsted herein dlallepplyrtcipfocally totbc~aililgpsty in..,
lawsuit arimg Olt. of this Agreement
Nmi-Wlllver orcertalnRJahtr. Weinay dell)' O'waivecrIfire<<nentofmypnwilion ofthiB Agroe(nert W1'thoi:tloilingoirrisfll to enfts'CCior any otherprbVisioril8la'.
AppUniltlelAW. SmnblBb',AlllpIlDalt: No n1llltc:t~YW live; this Agrccmcntwxiyom- Acc:ount are ~ed by feclertl1aw IItd by lhe law of the ,st* desianIled
IlltheepplicablelllW in YDW'Original tem1ll. IfywrOrigiiial TCI1IIIdid not cootain an llPPlicable I~provisi,":\ then lhiI Agreenu:l'lt tndyOU'Acc:CitIO: wegova-nedby
feda1i1 law find tbe law of your U"eofresidence.Thill A.greerneItiu flnaIClql1'eSnmaf1he agreemett.betwftn you1l]d us sndllllrynctbe cmtnJdicted by evidenceofaaj
allegedor'al agrcani:nl Iff! provium of thiS Agmrnmt is heldto be inwlida- uncmcrc:ellble,yrolll1d lW wiD CCl1lid<<that provision modified to cmfonn tolpplicllble law,
iltld the rettoflheproviBion intheAgrcaneit,willltillbeenfcttCable. We may tnmfet <<alSignCur~to aU iYilomeofyOW'p.,.mms.If Btat lawrequirftthityOu
receive nmiceofsuch and eventtoptdect the:purchaaer ortheaSBignee,~TJ1Il}'giveyou such notice by fillngafinancing stIlemaltwith theBl:ate's Sec:retaryofState.
CuItGmetStnice: Ftr'smeral qiJeetims npdiris ym:r FirltSelertICCOlI1~ plCll8ecaJl our ton.freeutvice nuriiler, 1.888-924-2000~ ForfJ1a1ityasslltllncepurposell, and to
in!prove CUlIt.omeriCfVice and~, tdephOOe calls toOl' from OlJ' afficelllnay be monitored orreem:led.
Credlt.~ilI1hla:Jfywrfail tofulfiUthe terms mywr ci'edlt'abJiglltiOn, i negitiVe credit rrport rdledingoo'yror credt:rcca-d maybe submitted to i credit repOrting
agency. ulorder to dispute lIny infOnDatim Marerepatintl;ibotiLyour AcCOUI1.;youIllUltwrite la,w atthefollowingadn.: FintSelcctCClpcntim..P.O. Box 9104,
PleilIlntcti" Cali:funii.a94S66.
SItarlnt lilllrii:milln: W~m.vilh8re infonTifltim,wilh cm8ffililteL inc:ludinR withOut liri1itation. ProVidiail Nat:iOnalBarlk.aDd Pi"m>idian Bid; HowC\1a' vw DllIV.Writeto
Ullltlrivtimeinlllrud.illll'llIInrttn~crrdit'rnCftl1lllimWith:ouraft11i1ltrS..
YouR BILLING RIGHTS-KEEPTIDS NOTICE FOR FUI'URE USE
This nOticeCmtilmsimportant inf<<matioilabOutYour rj,glxSandooi' reBpOnsibilitienrider the Fair CreditBi11ing Act
Notify Ulln Cu~orEiTan or QU!lIUoris uootYl:iIr BW
If you lhiD;.yi:ur bill ill Wrmg or if you need Iillre infamatioo. abOutili emy on yoiJrbill Write'us,m asepiRte shed" it thefoUOwirwaddress: First 8.el.ect Corptnitiai,P.o.
Box 9104, Pleaiiltlton, CalifOiOia 94S66. Write Us as soon u pO.8lJ.ible. Wennst bear frcmyw no Illerthan 60 days after MsentyoutheftistbiDm which the emr or
problcinappeai-ed. You c:antelephOile us,.but d0in8 10 win notprellmeyOiJrrightS.
In !he letter. giveusthefOllawing:
"YOlrnameand AccomtnillItlet.
-1hedollfll'lima.irtoflhellUlpectcd cnCr.
-A die8c:riptian:offle ctror snd sn expliltlatiOn; ifponible.ofWhy yOU bdieve!here is and ctror. If you need Il'Klre inf'otmlltioo, dc:Icribetheitai1yoiJ arenot sutnbwt
YOW'.RlIhti.iIndOur Rl!Ipoodbllldel AIlerWeRieeelve Your Written NotIee
We rrmtadtiJowlcdge yotr IcUer withi:i 30 dayi, UnlCllI wclUwe c<rrcCtcd the ClTOr by thai. w.ithin ,9(j dl)'l, we must eitbcrcorrei:ttbe cmr or CX'pliin: ~ we believe the
bill WlIII c:<<iecl After.\\iereceiveyculettcr, we cilliOOttJy to coJled;orrcpmyou u ddinqumt a to my aillourtyou quelticn.,inc:1udagfioimc:e ehaqes. Wei:llI1l1pply any
unpaid 1IIl0lait ssainllt yaurcredit line. . You dO nOt haVe to pay MY qUatiCncd anount .wbile we areinYeltipting,bd you are ltill oblipbicUo PlIY1bepW ofthebilltbalilre
notinquestion.
Ifwe fildthatwehliVe inade 8 rniltakemyourbill,'you will net haVe 10 pay IIlYfiDfInc'edtqe rcl8tedtoanyquatimedflUlOUnt IfMdidilctinlke 8mi1t1ke.'yClQrna)!
hfIve to pay f1MiCe.dlargel.andyou Will Iltve to mike up thcrnilllCdplyineltil,tindie lJ,UCStimed arn<:wt.. In'eitha',cue,wewilllCndyou.i IIlatemcit oflbe.llt1iount you owe
mdthe date that it belue. :Ifyou &il to p,," theainount we think ybu ~ we maynpprtYoU8. dellnquem. HowcVa" if OUr e;qllinationdot.l notAti&fyyouiDdyou write to
us wilbinlOdaystcllinS us that you still i"dlirietopay, wcIOOSt tell anymewereport you to lhatyou queetiooyoU' bill AndwenutteUyou IbenameofartyODe wel'qlated
you to. Wcmutl tellll1ymc wcreportyou tothatthefu8t1C:rhu been BCttIed betWeen us whe!Ht finally ill. Ifwedonotfollow the8e nJle8, We amiot collect theiint SjO of
thequestimedimoimtcven if your bill wuc:arCct.
Spedal RulefGr.Credlt'C:irdPUrdiuei
11'you have a prc:ibleri:t With the quility 'ofgoodl and tervicesthllt yOU purChaSed withyourOISCOVER Credit:ca'd and ycuhave tried in gOod flith tOcCll'CCt the problem with
the mcrdlant, you maynoth."e topll}' the ranaioing: IUKlInt due mlhegoods ,or IitiVkes. There we two limitations to lhiuifbt: (a)you nnst bavcIUldelhepwehue in
YOlI'home state or,ifOClt withinyour hOmelt8te. Wihln: 100 milet ofyt'lU1"ClI1"i'cdm8ilingaddreli: md (b)thepUrchuepricetnUt havebeaJ. moreUooSSO.1beIC
limitatiom dO not apply if either we orDISCOVERmm <<opetate the mercharx, crwc or DISCOVPR mailedyou the idvcrtitdncntfortheprnpcrty tt" ICrvices
EXHIBIT C
ACCOUNT STATEMENT FOR ROBERT LESTER HORST JR
ACCOUNT MONTHLY BALANCE STATEMENT
,: SUMMARY
L: Account!D
1\:Account'P r:ovld.e r
iiProduct
l;! Product Tvpe
!l1Accollnt.Nllrrrbe'r#
mA~co"nt. Origin.'1 ID#
:"APR
!i'
10181947
First Select, Inc.
Discover Card
Credit Card
4168-1000.2135-5209
6011-0027'8026-4081
18.000%
ii
m'Chargeoff,Balart e
m'Cllrren.tBa'lance
mOpenD:ate
;, Charlie Off Date
!j'L.'st. Payment .Oate
:ll ,Customer ..Na:nt e
!mR~port Date
1,927.83
4,244.20
06129/1995
11/30/2001
10/07/2002
ROBERT LESTER HORST JR
08/16/2006
STATEMENT
t BEGINNING BALANCE
~ENDING BALANCE
;rr BEGINNING BALANCE
II BEGINNING BAt.AftCE
m BEGINNING BAl.ANCE
IUG'INNI'NG 'BAl.ANCE
.
"'BEGINNING BALANCE
IIBilGINNING BALANCE
.
i,J:NOINS; BALANCE
it' BEGIN NING BALANCE
IT'
i,iENOING 8ALANCE
mBEGINNING BALANCE
~iBEGINNING .ALANCE '
mB~GIN,NING ULANCE
mBEGINNING BALANCE
II BEGINNING BALANCE
'!l
~:ENDING BALANCE
i BEGINNING BALANCE
IllSEGIflNING BALANCE
IIIsE6INNING BALANCE
~B,E(;INfUNG BALANCE
~-
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III BEGINNING BALANCE
d
~BEGINNING BALANCE
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,~BEGINNING BALANCE
It.
EGINNING BALANCE
:1; ENDING BALANce
lij BEGINNING BALANCE
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IIBEGINNUIG 8At.ANce
",
I' BEGINNING BALANCE
i'i .
iii ENDING BALANCE
m
il', BEGINNING BALANCE
~BEGINNING BALANCE
II:BeGINNING BAUlICE
WjJt:l:i:~mllllilf~I!f;il'I~11ElillfJSJi!1.!C?J!11I!1!lllr~11
f1ull~i1lnUllljJjij ,.~!k_U~Jlli$I!H
IUBEGIJilNING BALANCe
mBEGINNIJilG BALANCE
..
BEGINNING BALANCE
Ij'ENDING BALANCE
ItBEGIN1\IJNG BALANCE
mllEGINNING BALANCE
lltBEGUINING BALANCE
ft8EGINN1NG BA'LANCE
~
I
III BEGINNING BALANCE
1;1 ENI)ING BALANCE
0;
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q'
I'IBEGI'NNING BALANCE
y. .. .. ... ... .. .... ... ...... ..... .. ........ ..... ...
m BEGIN NING IIlALANCE
,
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Mit'I;;!!i~!!!::~Llliln!i!mj, i~~~fmJj IfE~
IBEGINNING BALANCE
IBEGINNING BALANCE
~ BEGINNING BALANCE
~ Elf DING BALANCE
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IBEGINNING BALANCE
m ill!GItlNUtG BALANCE
l
',I BEGINNING BALANCE
~;~ ENDING BALANCE
'1... .......... .... ....,'
rl;BEGINNING BALANCE
q,
Helene B. Raush, Esq.
BarNo: 60140
Stewart & Associates, P.C.
P.O. Box 2629
Suvvanee,Cl}\ 30024
(866) 990-9968 phone
(678) 684-4975 fax
CREDIGY RECEN ABLES INC.,
vs.
)
)
)
)
)
)
)
)
)
)
CUMBERLAND COUNTY
COURT OF COMMONS PLEAS
TRIAL DMSION
Plaintiff,
Civil Action No.:
ROBERT LESTER HORST JR,
Defendant.
To: ROBERT LESTER HORST JR
843 KIEHL DR APT 2N
LEMOYNE, P A 17043-0000
PLMNTIFF'S FIRST REOUEST FOR ADMISSIONS TO DEFENDANT
Pursuant to the provisions ofPa.R.C.P. g4014, you are hereby required to admit or deny
as true and accurate separately and fully, in writing and under oath, each of the following
Requests for Admission within forty-five (45) days from the date of service, as provided by
law; and further requires that a copy of the answers be furnished to Helene B. Raush,
Esquire, Stewart & Associates, P.C., P.O. Box 2629, Suwanee, Georgia 30024.
1. You entered into an account agreement with Discover Card, which allowed you to
receive cash advances and purchase goods and services at different places that
honored the credit account as issued by Discover Card.
2. In connection with your credit account with Discover Card (account number
6011-0027-8026-4081) ("Account"), you were sent an account agreement, a copy
of which is attached hereto as Exhibit "A."
3. You obtained cash products and/or goods and services in accordance with the
account agreement with Discover Card.
4. You promised to pay for the charges incurred according to the terms of the
account agreement with Discover Card.
5. Discover Card assigned all rights in and to the Account to First Select, which was
thereafter designated as account number 4168-1000-2135-5209.
6. You were sent an account agreement by First Select that referenced and
incorporated the terms and conditions of the account agreement issued by
Discover Card, a copy of which is attached hereto as Exhibit "B."
7. First Select duly assigned and transferred to Plaintiff all of its right, title and
interest in and to the Account.
8. Plaintiff remains the holder and owner of the Account, which is now referenced as
account number 10181947.
9. You presently owe Plaintiff the sum of $1,927.83 plus accruing interest at the
contractual rate of 18.00% per annum calculated using the average daily balance
method, compounded monthly, from November 30, 2001.
10. You have breached your contract with Plaintiff.
11. Your breach has damaged Plaintiff in the amount of $1,927.83 plus accruing
interest at the contractual rate of 18.00% per annum, using the average daily
balance method, compounded monthly, from November 30, 2001.
12. Prior to suit, you received from Plaintiff, or Plaintiff's attorney, a letter
demanding payment of the debt owing on the account.
13. At no time prior to the filing of this suit did you or your representative request
verification of the debt from Discover Card or its agents.
14. At no time prior to the filing of this suit did you or your representative dispute the
debt owing on the Account.
15. You are not a member of any military service with assignments or orders that
would give you a right to a delay under the law.
16. The interest on your Discover Card account accrued at 18.00% per annum
calculated using the average daily balance method, compounded monthly.
17. You have no defense to this suit and judgment should be granted as prayed for.
18. In the event your Account with Plaintiff was referred for collection and/or an
attorney, the terms and conditions governing the Account provide that you shall
pay all reasonable costs for collection, including reasonable attorneys' fees.
19. Plaintiff has applied all just and lawful offsets to the credit account.
Respectfully submitted this ;JsJi1 day of Ikt ~
,20~.
~p,~
Helene B. Raush, Esq.
BarNo: 60140
Stewart & Associates, P.C.
P.O. Box 2629
Suwanee, GA 30024
(866) 990-9968 phone
(678) 684-4975 fax
Helene B. Raush, Esq.
BarNo: 60140
Stewart & Associates, P.C.
P.O. Box 2629
Suvvanee,(}J\ 30024
(866) 990-9968 phone
(678) 684-4975 fax
CREDIGY RECEN ABLES INC.,
vs.
)
)
)
)
)
)
)
)
)
CUMBERLAND COUNTY
COURT OF COMMON PLEAS
TRIAL DMSION
Plaintiff,
Civil Action No.:
ROBERT LESTER HORST JR,
Defendant.
CERTIFICATE OF SERVICE OF DISCOVERY
This is to certify that a copy .of the PLAINTIFF'S FIRST REQUEST FOR
ADMISSIONS TO DEFEND~ was. attached to the Complaint herein. The Notice to
Defend, Complaint, and Verification, along with the Plaintiff's First Request for Admissions to
Defendant, have been submitted t~ the court for filing and will be forwarded for service of
process to the Defendant at the following ath.'ess:
. 843 KIEHL DR APT 2N, LEMOYNE, PA 17043-0000
. , i
This the :lsfb day of /JuQ.
-
,200b.
Respectfully Submitted,
~.Li 4J!L~
Helene B. Raush, Esq.
Bar No: 60140
Stewart & Associates, P.C.
P.O. Box 2629
Suwanee, GA 30024
(866) 990-9968 phone
(678) 684-4975 fax
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IN THE COMMON PLEAS COURT IN AND
FOR CUMBERLAND COUNTY, PENNSYLVANIA
CREDIGY RECEIVABLES INC.,
CASE NO. 06-5096
COURT TERM: 2006-08
Plaintiff,
vs.
ROBERT LESTER HORST JR,
Defendant.
PRAECIPE TO DISCONTINUE WITHOUT PREJUDICE
COMES NOW Plaintiff, CREDIGY RECEIV ABLES INC., and herewith
discontinues the above styled action against Defendant, ROBERT LESTER HORST JR,
without prejudice and herein requests the Prothonotary to mark said case as discontinued
upon the record.
On November 06, 2006
4Jk4.~
Helene B. Raush, Esquire
PABarNo: 60140
Attorney for Plaintiff
Helene B. Raush, Esquire
Attorney for Plaintiff
STEWART & ASSOCIATES, P.C.
P.O. Box 2629
Suwanee, GA 30024
(866) 990-9968
(678) 684-4975 (fax)
j
So
IN THE COMMON PLEAS COURT IN AND
FOR CUMBERLAND COUNTY, PENNSYLVANIA
CREDIGY RECEIVABLES INC.,
CASE NO. 06-5096
COURT TERM: 2006-8/30/2006
12:00:00 AM
Plaintiff,
vs.
ROBERT LESTER HORST JR,
Defendant.
CERTIFICATE OF NON-SERVICE
I certify that service of the Praecipe to Discontinue Without Prejudice upon the
defendant was not possible. Service of process was not perfected upon this defendant and
his/her location is unknown at this time.
II~
On this I"'"
day of NlJV\
, 20 '()(,
~4~
Helene B. Raush, Esq.
PA BarNo: 60140
Attorney for Plaintiff
Helene B. Raush, Esquire
Attorney for Plaintiff
STEWART & ASSOCIATES, P,C.
P.O. Box 2629
Suwanee, GA 30024
(866) 990-9968
(678) 684-4975 (fax)
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SHERIFF'S RETURN - NOT FOUND
CASE NO: 2006-05096 P
COMMONTWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
CREDIGY RECEIVABLES INC
VS
HORST ROBERT LESTER JR
R. Thomas Kline
,Sheriff or Deputy Sheriff, who being
duly sworn according to law, says, that he made a diligent search and
inquiry for the within named DEFENDANT
HORST ROBERT LESTER JR
but was
unable to locate Him in his bailiwick. He therefore returns the
COMPLAINT & NOTICE
, NOT FOUND , as to
the within named DEFENDANT
, HORST ROBERT LESTER JR
843 KIEHL DRIVE APT 2N
LEMOYNE, PA 17043
PER FATHER, DEFENDANT NOW LIVES IN FLORIDA.
Sheriff's Costs:
Docketing
Service
Not Found
Surcharge
Postage
18.00
13.20
5.00
10.00
.39
46.59V'"
r+ q/.21/OI-
Subscribed to before
R. Thomas -1 ine
Sheriff of Cumberland County
STEWART & ASSOCIATES
Og/22/2006
Sworn and
me this
day of
A.D.
~