DeclarationCal. Super. - 6th Dist.November 12, 2020ELECTRONICALLY FILED Superior Court of California County of Santa Cruz 10/13/2021 8:00 AM Alex Calvo, Clerk By: Declan Salsedo, Deputy CO N CO RD ,C A 94 52 0 TE LE PH O N E: 92 5. 68 9- .7 07 0 FA cs m eE : 92 5. 68 9. 70 77 ZW IC KE R 8: AS SO CI AT ES ,P C 13 20 W IL LO W PA SS RO AD ,S U IT E 73 0 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 JANET L. BROWN, ESQ, State Bar #208602 MARTIN HOFFMANN, ESQ.(State Bar No. 248 141) MASON ARIA (State Bar NO. 336636) ZWICKER & ASSOCIATES, P.C. 1320 WILLOW PASS ROAD, SUITE 730 CONCORD, CA 94520 Ara-- Telephone: (925)689-7070 Facsimile: (925)689-7077 Attorneys for Plaintiff SUPERIOR COURT OF THE STATE OF CALIFORNIA COUNTY OF SANTA CRUZ - LIMITED CIVIL CASE DISCOVER BANK, Case No.: 20CV02357 Plaintiff, PLAINTIFF’S DECLARATION IN SUPPORT OF MOTION FOR vs. SUMMARY JUDGMENT 0R IN THE ALTERTATIVE SUMMARYJANET M BUDERUS, et aI., ADJUDICATION Defendant. Date: 1125;22 Time: 8:30 a.m. Dept: 5 Date Action Filed: 11/12f20 Trial Date: N/A .- A _ (I! 73 0 CO N CO RD ,C A 94 52 0 TE LE PH O N E: (9 25 )6 89 - 70 70 E“ .- N ZW IC KE R 8: AS SO CI AT ES ,P .C . 13 20 W IL LO W PA SS RO AD ,S U IT E FA CS IM IL E: (9 25 )6 89 -7 07 7 N O 1 JANET L. BROWN iState Bar No. 208602i \O m N N N N N N N MARTIN HOFFMANN (State Bar No. 248141)ZWICKER & ASSOCIATES, P.C.1320 WILLOW PASS ROAD, SUITE 730CONCORD, CA 94520 Telephone: (925)689-7070FaCSImile: (925)689-7077 Attorneys for Plaintiff SUPERIOR COURT OF CALIFORNIA, COUNTY 0F SANTA CRUZ SANTA CRUZ JUDICIAL DISTRICT ) Case No. 20CV02357DISCOVER BANK, ) ) PLAINTIFF’S DECLARATION INPlaintiff, ) SUPPORT OFMOTION FOR) SUMMARY JUDGMENT 0R IN THEvs. ) ALTERNATIVE FOR SUMMARY) ADJUDICATIONJANET M BUDERUS , et al., ) )Defendant(s). ) ) DECLARATION 0F PLAINTIFF I,kr’blw Kgs , hereby declare: l. 1am a L: kg Z Ans/”44'Q J‘MV for Discover Products Inc.,successor by merger to DB Servicing Corporation, the servicing afliate of Discover Bank, anFDIC insured Delaware State Bank. Discover Products Inc., maintains the records for, and servicesthe credit accounts owned by DISCOVER BANK, plaintiff herein, and hereafter collectivelyreferred to as “DISCOVER”. N 00 Page 1PLAINTIFF’S DECLARATION IN SUPPORT OFMOTION FOR SUMMARY JUDGMENT OR IN THE ALTERNATIVE FOR SUMMARY ADIUDICATIONAccount Ending In: 2971JANETM BUDERUS ZW IC KE R 8t AS SO CI AT ES ,R C. 13 20 W IL LO W PA SS RO AD ,S U IT E 73 0 CO N CO RD ,C A 94 52 0 TE LE PH O N E: (9 25 )6 89 -7 07 0 FA CS IM IL E: (9 25 )6 89 -7 07 7 2. In connection with my employment with Discover Products Inc., I have become thoroughly familiar with the manner, method and preparation by which DISCOVER maintains its business books and records for its outstanding credit accounts. 3. I am a duly authorized CUS‘l'bJ/Wm0C 2660(2) books and records of DISCOVER. In the normal course of business, DISCOVER maintains of. the business computerized account records for customers who have established a credit account and line ofcredit with plaintiff. The records are kept in the ordinary routine course ofbusiness by DISCOVER who is charged with the duty to record any business act, condition, or event onto the computer system with the entries made at or about the time of any such occurrence. I have personally reviewed DISCOVER’s records as they relate to the credit accounts and lines of credit opened by JANET M BUDERUS (hereinaer referred to as “defendant(s)”), and I make this declaration based upon those records and my personal review thereof. Further, the account records attached hereto as an exhibit are computer-generated account records containing data on the account based on plaintiff’s business records. 4. The computerized records maintained by DISCOVER constitute the principle records of amounts due and owing to DISCOVER for any and all transactions that occur when an individual uses a DISCOVER credit account. Whenever a customer uses his or her credit card at a vendor or merchant, the common method is for the card to be swiped electronically, where the amount being charged is keyed in by the merchant and electronically sent to the DISCOVER authorization system. For a very small percentage of transactions, the card is manually swiped on a machine which duplicates the image of the credit card. In an electronic transaction, the authorization system reads the customer’s account, looking at the aging, account balance, payment history and other items, and determines if the card should be approved for the charge or routed to an authorizer. The authorization process includes the use of an authorize assist program which is designed to facilitate the authorization process. If the proposed charge is routed to an authorizer, it may be due to the account having a history of past due payments, over the limit charges, recent large charges or other items. Once the system or an authorizer approves the charge, it gives the merchant an OK approval code and the transaction is complete. This entire process occurs in a very PaQZ PLAINTIFF’S DECLARATION IN SUPPORT OFMOTION FOR SUMMARY JUDGMENT OR IN TI-[E ALTERNATIVE FOR SUMMARY ADJUDICATION Account Ending In: 2971 JANETM BUDERUS Z‘ N IC KE R 8: AS SO CI AT ES ,P .C . I3 20 W IL LO W PA SS RO AD ,S U IT E 73 0 CO N CO RD ,C A 94 52 0 TE LE PH O N E: (9 25 )6 89 -7 07 0 FA CS IM IL E: (9 25 )6 89 -7 07 7 short time electronically, unless an authorizer is needed. The approved charges are stored electronically and recorded on the customer’s account records for the next closing date. The account record is computer-generated and then provided to the cardholder aer the closing date. Plaintiffutilizes programmers to assure that its authorization programming works as designed to approve and record.__charge activity by its customers. Third parties do not have access to this program and the information is kept only on Plaintiff’s internal systems and is strictly condential. For manual transactions, the charge slips are batched by the merchant and then provided to DISCOVER. 5. Through the submission of an application/acceptance form, the defendant expressed an interest in establishing a credit account with Plaintiff. Unless such a credit application/acceptance form had been received by DISCOVER, no credit account would have been opened in the name of the defendant herein. 6. As a condition for the extension of credit, the applicant agrees to abide by the terms and conditions contained within the DISCOVER credit agreement. This includes charges incurred and assigned to an additional cardholder, if any. The business records maintained by DISCOVER and described above show that the Defendant’s account with Discover Bank is governed by terms and conditions referred to by Discover Bank as “terms level 27]”. A true and correct copy of these terms and conditions have been provided to DISCOVER’s counsel in this case and is attached hereto as Exhibit “A”. Pursuant to the terms and condition of the agreement, it is Defendant’s duty to notify Plaintiffof any change to the mailing address. 7. The records ofDISCOVER reect that the defendant obtained a credit account and line of credit with DISCOVER. Aer obtaining the credit account, the Defendant utilized the account. Credits and debits are duly reected on the computerized record regularly kept and maintained by DISCOVER in connection with such credit accounts. 8. It is the regular business practice ofDISCOVER to provide its credit account holders monthly account records of the accounts reecting all debits and credits to the customer’s DISCOVER credit accounts. The business records of DISCOVER reect that this practice was followed with regard to the account established by the defendant herein and further reect that the Page 3 PLAINTIFF’S DECLARATION IN SUPPORT OFMOTION FOR SUMMARY JUDGMENT OR IN THE ALTERNATIVE FOR SUMMARY ADIUDICA’I‘ION Account Ending In: 297 l JANETM BUDERUS ZV VI CK ER 8r AS SO CI AT ES ,R C. 13 20 W IL LO W PA SS RO AD ,S U IT E 73 0 CO N CO RD ,C A 94 52 0 TE LE PH O N E: (9 25 )6 89 -7 07 0 FA CS IM IL E: (9 25 )6 89 -7 07 7 defendant defaulted in the payments due to DISCOVER. Attached collectively hereto and incorporated herein by this reference are true and accurate account records pertaining to defendant’s account ending in 2971 as Exhibit “B”. 9. Pursuant to DISCOVER’S business records the defendant defaulted in making the payments due under the terms- of the Agreement. As a result of defendant’s failure to make the agreed upon monthly payments and pursuant to the terms of the Agreement, DISCOVER accelerated the account balances so that the entire unpaid balance on the accounts became immediately due and payable. Plaintiff’s records indicate that a payment on defendant’s account was received within the last four years before this action was led as indicated in Exhibit “B” attached hereto. 10. The Agreement allows for the recovery of court costs in the event legal action is necessary to recover the sums due on the account. As such, plaintiff is entitled to recover its court costs pursuant to the terms of the Agreement. 11. After applying all payments, credits, and adjustments, there is now due and owing to plaintiff from defendant, the principal sum of $19,552.37, plus costs. Despite DISCOVER’s demands, no part of this sum has been paid. There are no other offsets or credits due on defendant’s accounts. 12. There has been no evidence produced by the defendant regarding identity theft or fraud relating to the credit card account ending in 2971. To the extent that defendant’s account number changed for any reason, the prior account number is reected on defendant’s billing statements. The records further reect that Plaintiff has performed all conditions precedent before bringing this action. Accordingly, the balance owing on this account remains due. l3. I am advised that this declaration and the exhibits attached hereto contain redactions of the full account number or other private information, as require by C.R.C. 1.201(b). I declare under penalty ofperjury under the laws ofthe State ofCalifornia that the foregoing is true and correct and that this declaration was executed at New Albany, Ohio. If called as a witness, l could competently testify to the matters stated herein. Page 4 PLAINTIFF’S DECLARATION IN SUPPORT OFMOTION FOR SUMMARY JUDGMENT OR IN THE ALTERNATIVE FOR SUMIVIARY ADJUDICATION Account Ending In: 2971 JANETM BUDERUS ZW IC KE R 8n AS SO CI AT ES ,P .C . 13 20 W IL LO W PA SS RO AD ,S U IT E 73 0 CO N CO RD ,C A 94 52 0 TE LE PH O N E: (9 25 )6 89 -7 07 0 FA CS IM IL E: (9 25 )6 89 -7 07 7 Executedthis as) dayMM ,20Z' ,atNew A1bany,0hio. Nam“ mm mm Page 5 PLAINTIFF’S DECLARATION IN SUPPORT OFMOTION FOR SUMMARY JUDGMENT 0R IN TI-IE ALTERNATIVE FOR SUMMARY ADJUDICATION Account Ending In: 2971 JANETM BUDERUS EXHIBIT A mm DISC VER° CM.T127J.LIN.0719 CARDMEMBER AGREEMENT Thank you for choosing Discover‘ card. this Agreement explains the current tetms and conditions oi you! Account. The enclosed Pricing Sdreduie is part of this Agreement. Please read this Agreement, including the Pricing Schedule, carefully. Keep them for your records. Contact us if you have any questions.We have included a 'Delinitions' section for your reference on page 3. ACCEPTANCE 0F AGREEMENT You accept this Agreement if you do not cancel your Accountwithin 30 days after receiving a Card. You also accept this Agreement if you or an Authorized User use the Account. You may, however, reject the "Arbitration of Disputes' section as explained in that section. CHANGES T0 YOUR AGREEMENT The rates, fees and terms of this Agreement may change from time to time. We may add or delete any term to this Agreement. it required by law. wewill give you advance written notice of the changeis) and a right to reject the changeis). Wewill not dtarge any lee or interest charge prohibited by law. USING YOUR ACCOUNT Permitted Uses You may use your Account for Purchases, Balance Transfers and Cash Advances. You may not use it for illegal transactions. Authorized Users You may request additional Cards for Authorized Users to make transactions on your Account. You must notify us if you wish to cancel the authority of an Authorized User to use your Account You are responsible for all chargesmade by your Authorized Users. Joint Accounts lf your Account is a joint Account - each ofyou agrees to be liable individually and jointly for the entire amount owed on the Account; and - any notice we mail to an address provided by either of you for the Account will serve as notice to both of you. Checks Ifwe provide you with Checks, wewill tell you whetherwe will treat the Check as a Purchase, Balance Transfer or Cash Advance. You may not use these Checks to pay any amountyou owe us. ' Credit Authorizations We may not authorize a transaction for security or other reasons. We will not be liable to you ifwe decline to authorize a transaction or if anyone refuses your Card, Check or Account number. Credit lines We will tell you what your Account credit line is. You must keep your Account balance below your Account credit line. if you do not. we may request immediate payment of the amount bywhich you exceed it.Wemay establish a lower credit line for Cash Advances. We may increase or decrease your Account credit line or your Cash Advance credit line without notice. We may delay increasing your available credit by the amount of any payment thatwe receive for up to 10 business days. FEES (See your Pricing Schedule for Additional Fees) Late Fee If you do not pay the Minimum Payment Due by the Payment Due Date. we will charge you a late Fee. The fee is $28 if you were not charged a Late Fee during any of the prior six billing periods. Otherwise, the fee is $39. This fee will never exceed the Minimum Payment Due that was due immediately prior to the date on which the lee was assessed. Returned Payment Fee ANNUAL PERCENTAGE RATES ("APRS") (See your Pricing Schedule for the APRs that apply to your Account) If you make a payment that is not honored by your financial institution. we will charge you a Returned Payment Fee even if the payment is honored after we re-submit it. The fee is $28 ilyou were not charged a Returned Payment Fee during any of the prior six billing periods. Otherwise, the fee is S39. This fee will never exceed the Minimum Payment Due that was due immediately prior to the date on whidt the payment was returned to us. gamble APR; Your Pricing Schedule may include variable APRs. These APRs are determined by will take effect on the lirst day of the billing period that begins during the same adding the number of percentage points thatwe specify to the Prime Rate. Variable calendar month that the Prime Rate changes. An increase in the APR will increase APRs will increase or decrease when the Prime Rate dranges. The APR change your interestcharges and may inaease your Minimum Payment Due. Penalty APR When It Applies Each time that you do not pay the Minimum Payment Due by the Payment Due Date we may: rm I w- terminate any promotional APRs on new transactions; and "WEWI'H' "MW be“' increase your APRs for new transactions to Penalty APRS- We win notiry you or the dare a Penalty APR will lake ellecr. the Penalty APR will We will not apply a Penalty APR to Cash Advances. only apply to new transactions with a Transaction Date more than t4 days after we How It Affects Your Account Wilde “l9 "0m t0 YOU- To determine the Penalty APR for a new transaction: We May Reduce It - We add up to 5 additional percentage points to the otherwise applicable APR. We will reviewyour Account from time to time as required by law to determine if I We set your Penalty APR based on your creditworthiness and other factors. These any Pena'tlf APR 5'10"“ be ”dum- factors include your urrrent APRs and Accolnt history. MAKING PAYMENTS Payment Instructions 0 You must pay in U.S. dollars. Please do not send cash. Sending cash is not - We can accept late payments, partial payments or payments marked 2019 Discover Bank, Member FDIC allowed. All checks must be drawn on funds on deposit in the U.S. c You must pay us for all amounts due on your Account. This includes charges made by Authorized Users. 0 We may refuse to accept a payment in a foreign currency. If we do accept it, we will charge your Account our cost to conven it to U.S. dollars. .1- "payment in full' or with any other restrictive endorsement without losing any of our rights under this Agreement. MAKING PAYMENTS Payment lnsttuctions 0 We credit your payments in accordance with the terms contained on your billing statement. c If you maii your payment to an address other than the address designated on your billing statement, there may be a delay in processing and crediting the payment to your Account. 0 lt a third party makes a payment on your Account and we return all or a part of such payment, then we may adjust your Account for any amount returned. We reserve the right to defend ourselves against any demand to retum funds we have received, and may agree to a compromise of the demanded amount as part ot a settlement. Minimum Payment Due You may pay the entire New Balance shown on your billing statement at any time. Eadr billing period you must pay at least the Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be any amount past due plus the greater of: o $35; or 0 2% of the New Balance shown on your billing statement; or 0 $20, plus any oi the iollowing charges as shown on your billing statement fees tor any debt protection product that you enrolled in on or after 2/1/201 5; Interest Charges; and Late Fees. The Minimum Payment Due may also include amounts by which you exceed your Account credit line. However, it will never exceed the New Balance. When we calculate the Minimum Payment Due, we may subtract from the New Balance certain fees added to your Accountduring the billing period. The Minimum Payment Due is rounded up to die nearest dollar. HowWe Apply Payments We apply payments and credits at our discretion, including in a manner most favorable or convenient for us. In all cases, we will apply payments and credits as required by applicable law. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APlts before balances with lower APRs as of the datewe aedit your payment. INTEREST CHARGES HowWe Calculate Interest Charges-Dali Balance Method (inclu ing current transactions) We calculate interest charges each billing period by rst guring the "daily balance" for each Transaction Category. transaction Categories include standard Purchases, standard Cash Advances and different promotional balances, such as Balance Transfers. HowWe Figure the Daily Balance for Each Transaction Category - We start with the beginning balance for each day. The beginning balance for the rst day of the billing period is your balance on the last day of your previous billing period. ~ We add any interest diarges accrued on the previous day's daly balance and any new transactions and Tees. We add any new transactions or tees as of the later of the Transaction Date or the rst day of the billing period in which the transaction or fee posted to your Account. I We subtract any new credits and payments. o We make other adjustments (including those adjustments required in the “Paying Interest" section). How We Figure Your Total Interest Charges o We multiply the daily balance for each Transaction Category by its daily periodic rate. We do this for each day in the billing period. This gives us the interest charges for each Transaction Category. To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365. e We add up all the daily interest charges. The sum is the total interest charge for the billing period. How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category. We add Cash Advance Fees to the applicable Cash Advance Transaction Category. We add all otherfees to the standard Purchase Transaction Category. Paying Interest When Interest Charges Begin We begin to impose interest charges on a transaction, tee or interest charge from the day we add it to the daily balance. We continue to impose interest charges until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest on Balance Transfers or Cash Advances. How to Avoid Paying Interest on Purdrases ("Grace Period") If you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement. we will not impose interest charges on new Purchases, or any portion of a new Purchase. paid by the Payment Due Date on your current billing statement. New Purchases are Purchases that rst appear on the current billing statement. HowWe Apply Payments May Impact Your Grace Period If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases. OTHER IMPORTANT INFORMATION Default You are in default if: - you le bankruptcy or another insolvency proceeding is led by you or against you; e we have a reasonable belief that you are unable or unwilling to repay your obligations to us; - you die or are legally declared incompetent or incapacitated: - you fail to complywith the terms of this Agreement or any Agreementwith us or an Afliate, including failing to make a required payment when due, exceeding your Account credit line or using your Card or Account for an illegal transaction. Ifyuu are in default. we may declare the entire balance of your Account immediately due and payable without notice. Collection Costs If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable attorneys‘ fees, court or other collection costs, and fees and costs of any appeal. Merchant Disputes if you have a dispute with a merchant, you may request a credit to your Account. Ifwe resolve the dispute in your favor, we will issue a credit to your Account. You assign to us your claim for the credited amount against the merchant and/or any third party. At our request, you agree to provide this assignment in writing. Automatic Account Information Updates You may set up automatic billing or store your Account information with an Afliate, merchant, wallet provider, or other third party ("Permitted Party”). If you do, you audtorize us to share your Account information, which may include your rewards account balance, with the Permitted Party, regarding the use of your Account. If your Account information changes, which may include your billing address, you authorize us to provide this updated information to any such Permitted Party at our discretion. You must contact the Permitted Party directly or remove your credit card information from the Permitted Partywebsite ifyou wish to stop automatic billing or Accountupdates. Our Privacy Policy We send you our Privacy Policy when you open your Account and annually. Contact us or visit Discover.com if you would like a copy. Please read it carefully. lt summarizes: e the personal information we collect. e how we safeguard its confidentiality and security; - when itmay be shared with others; and o how you can limit our sharing of this information. Credit Reporting Agency Information You authorize us to review your credit, employment. and income for the purpose of iis Account, aswell as to consider you for other products and services.We may report the status aid payment history of your Account to aedit reporting agenciesmd other aeditors. We normally report to credit reporting agencies eadt month. If you believe that information we reported is inaccurate or incomplete, please write us at Discover, P.0. Box 30939, Salt Lake City, UT 84130-0939. Please include your name, address. home phone number and Account number. OTHER IMPORTANT INFORMATION You agree that we, our Afliates, and agents. including service providers ("Authorized Parties”)may contactyou, including calls, textmessage oremail, about any current or future accounts or applications, with respectto all products you have with us at any phone number or email (i) you have provided to us, (in from which you contacted us, or (ii) whidr we obtained and believewe can readr you at, even if your phone provider may charge you message and data rates for calls or texts. You agree that the Authorized Parties may record or monitor any calls between you and the Authorized Parties. You agree to notify us ifyou change or discontinue using any phone number you provide. You agree that the Authorized Parties may contact you using an automatic dialer or pro-recorded voice message. ifyou no longerwish to be contacted on your cell phone by an automated dialer or ore-recorded voicemessage. you must provide us written notice cancelling your consent at this address: Discover Bank, P.0. Box 30937, Salt lake City, UT 84130-0937. The written notice must include: your name, mailing address, the last iourdigits oiyour Account number and the specic cell phone number(s) forwhich you would like to cancel your consent to be contacted by an automated dialer or prerecorded voice message. - you believe someone is using your Account or a Card withoutyour permission. - You may cancel your Account. You will remain responsible for any amount you 0 Any joint Account holdermay cancel a joint Account. However, both of you will - Wemay cancel, suspend or not renew your Account at any me without notice. Ii you make a Purchase or Cash Advance in a foreign currency, we will convert it to U.S. dollars using a ratewe choose. This ratewill either be a government-mandated Our Communications with You Unauthorized Use You must notify us immediately if: - your Card is lost or stolen; or Cancellation of Your Account owe us under this Agreement. remain responsible for paying all amounts owed. Purchases and Cash Advances in Foreign Currencies rate, a government-published rate or the interbank exchange rate, depending on the country and currency in which the transaction is made.We use the rate in effect on the conversion date for the transaction. This ratemay be different than the rate in effect on the Transaction Date for the transaction. Governing Law This Agreement is governed by applicable federal law and by Delaware law. However, in the event you default and we file a lawsuit to recover funds loaned to you, the statute of limitations of the state where the lawsuit is led will apply, without regard to that state's conicts of laws principles or its 'borrowing statute." Severability Except as set forth in the 'Arbitration' section, if any part of this Agreement is found to be invalid, the rest of it will still remain in effect. Enforcing this Agreement We may delay enforcing or not enforce any of our rights under this Agreementwithout losing orwaiving any of them. Assignment of Account We may sell, assign or transfer your Account or any portion of it without notice to you. You may not sell, assign or transfer your Accountwithout rst obtaining our prior written consent. CONTACT US Unless we tell you otherwise, you can notify us: 0 by phone at 1-800 DISCOVER (1-800-347-2683) or o in writing to Discover, P.0. Box 30943, Salt Lake City, UT 84130-0943. When writing, please include your name, address, home phone number and Account number. You must contact us within 15 days after dranglng your e-mail address, mailing address or phone number. DEFINITIONS "Account" means your Discover card account. "Afliate" means our parent corporations, subsidiaries and afliates. ”Authorized User' means any person you authorize to use your Account or a Card, whether you notify us or not. ”Balance Transfer" means a balance transferred from another creditor to your Account. "Card" means any one or more Discover cards issued to you or someone else with your authorization. "Cash Advance" means the use of your Accountfor: 0 obtaining cash from participating automated teller machines, nancial institutions or other 'Check" means any check we send to you to access your Account. 'Pricing Schedule" means the document entitled, 'Pricing Sdtedule', which lists the APRs that apply to your Account and other important information. "Prime Rate” means the highest rate of interest listed as the U.S. Prime rate in the Money Rates section of The Wall Streetloumal on the last business day of the month. "Purchase" means the use ofyour Account to purchase or lease goods or services at participating merchants. "We," 'us" and "our” refer to Discover Bank, the issuer of your Card. "You," "your" or "yours” refer to you and any other personls) who are also conuactually liable locations; and under this Agreement. a online gamb'ing’ oy to puychase latte” tickets] money ordeysl casino chips, foreign currency of "Transaction Date. means the date Shown 0n YOUI bIIIIng Statement I0! a uansaCIIon OI Tee. similar items. ARBITRATION Agreement to Arbitrate. In the event of a dispute between you and us arising out of or relating to this Account or the relationships resulting from this Account or any other dispute between you or us ("Claim"), either you or we may choose to resolve the Claim by binding arbitration, as described below, instead of in court. Any Claim (except for a claim challenging the validity or enforceability of this arbitration agreement, including the Class Action Waiver) may be resolved by binding arbitration if either side requests it. THIS MEANS IF EITHER YOU 0R WE CHOOSE ARBITRATION, NEITHER PARTY SHALL HAVE THE RIGHT TO lITlGATE SUCH CLAIM IN COURT OR TO HAVE A JURY TRIAL. ALSO DISCOVERY AND APPEAL RIGHTS ARE LIMITED IN ARBITRATION. Even ii all parties have opted to litigate a Claim in court, you or we may elect arbitration with respect to any Claim made by a new party or any new Claims later asserted in that lawsuit. CLASS ACTION WAIVER. ARBITRATION MUST BE 0N AN INDIVIDUAL BASIS. THIS MEANS NEITHER YOU NOR WE MAY IOIN 0R CONSOLIDATE CLAIMS IN ARBITRATION BY 0R AGAINST OTHER CARDMEMBERS. OR LITIGATE IN COURT OR ARBITRATE ANY CLAIMS AS A REPRESENTATIVE 0R MEMBER 0F A CLASS 0R IN A PRIVATE ATTORNEY GENERAL CAPACITY. The arbitrator may award injunctive relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party's individual claim. The .3- arbitrator may not award class, representative or public injunctive relief. If a court decides that applicable law precludes enforcement of any of this paragraph's limitations as to a particular claim for relief, then after all appeals from that decision have been exhausted, that claim (and only that claim) must be severed from the arbitration and may be brought in court. Only a court, and not an arbitrator, shall determine the validity, scope, and effect of the Class Action Waiver. Your Right to Go To Small Claims Court. We will not choose to arbitrate any individual claim you bring in small claimscourt oryour state's equivalent court. However, if such a claim is transferred, removed or appealed to a different court, we may then choose to ARBITRATION arbitrate. Governing Law and Rules. This arbitlation agreement is governed by the Federal Arbitration Act (FAA). Arbitration must proceed only with the American Arbitration Association (AAA) or JAMS. The rules for the arbitration will be those in this arbitration agreement and the procedures of the chosen arbitration organization, but the rules in this arbitration agreement will be followed it there is disagreement between the agreement and the organization’s procedures. If the organization's procedures change alter the claim isled, the procedures in effectwhen the claim wasled will apply. F'or a 'copy of each organization's procedures, to le a claim or for other information, please oontact: 0 AAA at 1101 Laurel Oak Rd. Voorhees, Nl 08043, www.adr.org (phone 1-877-495-4185) or 'JAMS at 620 Eighth Ave., Floor 34, New York, NY 10018, www.jamsadr.com (phone 1-800-352-5267). If both AAA and JAMS are completely unavailable. and if you and we cannot agree on a substitute, then either you orwe may request that a court with jurisdiction appoint a substitute. Fees and Costs. If you wish to begin arbitration against us but you cannot afford to pay the organization's or arbitrator’s costs, we will advance those costs if you ask us in writing. Any request like this should be sent to Discover, P.0. Box 30421, Salt Lake City, UT 84130-0421. If you lose the arbitration, the arbitrator will decide whether you must reimburse us for money we advanced for you for the arbitration. If you win the arbitration, we will not ask for reimbursement ofmoneywe advanced. Additionally, if you win the arbitration, the arbitrator may decide that you are entitled to be reimbursed your reasonable attorneys’ fees and costs (if actually paid by you). Hearings and Decisions. Arbitration hearings will take place in the federal judicial district where you live. A single arbitrator will be appointed. the arbitrator must - Follow all applicable substantive law, except when contradicted by the FAA; e Follow applicable statutes of limitations; e Honor valid claims of privilege: 0 issue a written decision including the reasons for the award. the arbitrator's decision will be nal and binding except for any review allowed by the FAA. However, if more than $100,000 was genuinely in dispute, then either you orwe may choose to appeal to a new panel of three arbitrators. The appellate panel is completely free to accept or reject the entire original award or any part of it. The appeal must be led with the arbitration organization not later than 30 days after the original award issues. The appealing party pays all appellate costs unless the appellate panel determines otherwise as part of its award. Claim Notice and Special Payment. ll you have a Claim, before initiating an arbitration proceeding. you may give uswritten notice of the Claim ("Claim Notice“) at least 30 days before initiating the arbitration proceeding. The Claim Notice must include your name, address, and account number and explain in reasonable detail the natureofthe Claim and anysupporting facts. Any Claim Notice shall be sentto us at Discover, P.0. Box 794, Deereld, IL 60015 (or such other address as we shall subsequently provide to you). If, and only if, (1) you submit a Claim Notice in accordance with this agreement on your own behalf (and not on behalf of any other party); and (2) an arbitrator, after nding in your favor in any respect on themerits of your claim, issues you an award that (excluding any arbitration fees or attorneys' fees and costs awarded by the arbitrator) is greater than the value of Discover's last written settlement offer made before an arbitrator was selected, then you will be entitled to the amount of the award or $7,500, whichever is greater. If you are entitled to the $7,500, you will receive in addition any arbitration fees or attorneys' fees and costs awarded by the arbitrator. Any arbitration award may be enforced (such as through a judgment) in any court with jurisdiction. Other Beneficiaries of this Provlslon. In addition to you and us, the rights and duties described in this arbitration agreement apply to: our Afliates and our and their ofcers, directors and employees: any third party co-defendant of a claim subject to this arbitration provision; and all joint Accountholders and Authorized Users of your Account(s). Survival of this Provision. This arbitration provision shall survive: e closing of your Account; e voluntary payment of your Account or any part of it; v any legal proceedings to collect money you owe; 0 any bankruptcy by you; and - any sale by us of your Account. You Have the Right to Reject Arbitration for this Account. You may reject the arbitration agreement but only If we receive from you a written notice of rejection within 30 days of your receipt of the Card after your Account is opened. You must send the notice of rejection to: Discover, P.0. Box 30938, Salt lake City, UT 84130-0938. Your rejection notice must include your name, address, phone number, Account number and personal signature. No one else may sign the rejection notice for you. Your rejection notice also must not be sent with any other correspondence. Rejection of arbitration will not affect your other rights or responsibilities under this Agreement. if you reject arbitration, neither you nor we will be subject to the arbitration provisions for this Account. Rejection of arbitration for this Account will not constitute rejection of arty prior or future arbitration agreement between you and us. Your Billing Rights: Keep This Document For Futgre use This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. What To Do lf Yog Find A Mistake 0n Your Statement lf you think there is an error on your statement, write to us at: Discover R0. Box 30421 Salt lake City. UT 84130-0421. You may also contact us on theWeb: http:/Idiscover.comlbillingerrornotice In your letter or on the Web, please give us the following information: e name and account number. -Mamihe dollar amount of the suspected error. 0 escrigtion ofgrablem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us: - Within 60 days after the error appeared on your statement. - By 5:00 RM. ET on the date an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. You must nofy us of any potential errors in writing or electronically. You may call us, but ifyou do we are not necessarily required to investigate any potential errors and you may have to pay the amount in question. WhatWill Happen Aet We Reeem’e mu; Lettet or Web Submissien When we receive your written or electronic notice, we must do two things: 1.1Mthin 30 days of receiving your notice, we must tell you thatwe received it.We will also tell you if we have already corrected the error. 2. Within 90 days of receiving your notice, we must either correct the error or explain to youwhywe believe the bill is correct. While we investigate whether or not there has been an error: e We cannot try to collect the amount in question, or report you as delinquent on that amount. e The charge in question may continue to appear on your statement e While you do not have to pay the amount in question, you are responsible for the remainder of your balance. e We can apply any unpaid amount against your credit limit. After we nish our investigation, one of two things will happen: e lfwe made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. - iwe do not beliele thee wag e mistake: You will have to pay the amount in question. along with applicable interest and fees.We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent ifyou do not pay the amount we think you owe. ll you receive our explanation but still believe your bill is wrong, you must write to us (or visit httpsI/discovercomlbillingenornotice) within 10 days telling us that you su'll refuse to pay. if you do so. we cannot report you as delinquent without also reporting that you are questioning your bill.We must tell you the name oi anyone towhom we reported you as delinquent, and we must let those organizations knowwhen the matter has been settled between us. Iiwe do not follow all of the rules above. you do not have to pay the first $50 of the amount you question even if your bill is correct. leg; Rights If You Are Dissatised With Your Credit Card Pgrgheses If you are dissatised with the goods or services that you have purchased with your oedit card. and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purdtase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your currentmailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purdtasewas based on an advertisementwe mailed to you. or iiwe own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purdtases madewith cash advances from an ATM orwith a check that accesses your credit card account do not quality. If all of the criteria above are met and you are still dissatised with the purdtase, contact us in_wnting or electronically at: Discover P.0. Box 30945 Saltlake City, UT 84130-0945 https:IIdiscover.com/billingerrornotice While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, ifwe think you owe an amount and you do not pay, we may report you as delinquent. EXHIBIT B mm DISCQVER mscovm® MOREG CARD Eunmm2971 CARDMEMBER SINCE 2002 Account Summary 05/27/2020-05/31/2020 Previous Balance $19,559.04 Payments and Credits -$19.559.04 Purchases +$0.0o Balance Transfers +$0.00 Cash Advances +$0.00 Fees Charged +$0.00 Interest Charged +$0.00 New Balance: $0.00 See Interest Charge Calculation section followingthe Fees and Interest Charged section for detailed APR information Credit Line $18,600 Credit Line Available $0 Cash Advance Credit Line $3,310 Cash Advance Credit Line Available $0 Your FICO” Score Is unavailable.Log ln at DIscover.com/FICO or contactus at 1~800-347-2683 to learn more. Payment Coupon Detach at perforatlon above and return with check payableto Discover. Do not fold. clip, staple or send cash. iANET M BUDERus E522 N. CENTRAL AVE. " Po Box 2330 PHOENIXAZ 85002-2330 Newaddress, email or phone? Please update on reverse. Payment information New Balance Minimum Payment Payment Due Date $0.00 $3,388.33 06/26/2020 Late PaymentWamlng: lfwe do not receive your minimum payment by the date listed above. you may have to pay a late fee of up to $40.00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 16.99%. Notice: See reverse side for important Information ACCOUNT NUMBER ENDING IN 2971 New Balance 50.00 Minimum Payment Due $3,388.33 Payment Due Date 06/26/2020 Amount Enclosed r Forafaster.easler Discovemom RD 1-800-347-2683 way“) Pay“ Seereverse forpaymentcutolftimes. ' PO BOX 6103 CAROL STREAM IL 60197-6103 DISCOVER” MORE® CARD ENDINGIN 2971 IANET M BUDERUS Important Information See your CardmemberAgreement. Your CardmemberAgreement contains all the terms ofyourAccount. Lost or Stolen Cards. Report immediately! Call 1-800-347-2683. What To Do IfYou ThinkYou Flnd AMlstake 0n Your Statement: lfyou think there is an error on your statement, write to us at Discover, P0 Box 30421, Salt Lake City. UT 84130-0421. or submit the form provided at httpszlldlscovemomlbllllngerromotlce. You must contact uswithin 60 days after the error appeared on your statement. You may call us. but ifyou do we are not required to investigate any potential errors, and you may have to pay the amountin question. The Bllllng Rlghts Notice further explains our rights. Please see your CardmemberAgreement orvlsit https:// iscover.com/billingrights fora copy ofthis Notice. Payments. You may pay all or part ofyourAccount balance at any time. However. you must pay at leastthe Minimum Payment Due bythe PaymentDue Date. Send only your allowable form ofpayment ('Payment") and the bottom portion ofthis statement ln the envelope provlded, afterafflxing postage. Payments sentwithout proper postagewill be returned to the sender. Ifyou pay by check. you authorize us to use information on your check to make an electronic fund transferfrom your account at the financiallnstitutlon indicated on yourcheck orto process the paymentas a check transaction. lfa Payment is processed as an electronic fund transienthe transferwill be for the amount ofthe check, funds may be withdrawn from your account as soon as the same day we receive yourcheck, and you will not receive your check back. Please do not send ash. Sending cash ls not allowed. The processing of your allowableform ofPayment may be delayed ifyou send cash orcorrespondence with your Payments, ifyou send the Payment to any otheraddress. or ifyou use an envelope other than the one provided. Payments received at our processing facility by 5PM local time on any day will be credited to yourAccount as of that day. Payments received at our processing facilityafter 5PM local time will be credited to yourAccount as ofthe nextday. Ifyou have misplaced yourenvelope, send your Paymentto Discover, PO Box 6103, Carol Stream. IL 60197-6103. Please allow 7-10 days for delivery. If your Paymentis returned unpaid, we reserve the right to resubmit it as an electronic debit. Paymentsmade onllneor by phone wlll be credited as ofthe day ofreceipt ifmade by 5PM ET. You can also make a Payment or set up automatic payments by calling 1-800-347- 2683. Automatic payments forthe billing period shown on your statementwill be deducted on the Payment Due Date shown on that statement, or the next automatic payment date referred to on your statement, unless you request a recurring payment date that occurs before your Payment Due Date. Ifyour scheduled paymentdate falls on a weekend or bank holiday,your paymentwill be processed the business day prior to the weekend orbank holiday. In orderto schedule monthly payments by telephone, you will need this statement and your bank account information. Youwill be asked to provide the last four(lr) digits ofthe social security number ofthe primary borroweras yourelectronic signature. By providing those numbers.you will be agreeingto this authorization to allow us and yourbank to deduct each payment you authorize, ln the amount selected by you, from your bank account. You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1-800-307-2683 or by mail at Discover, P0 Box 30a21, Salt Lake City, UT 84130-0421; payment cancellationsmust be received before 5 PM ET of the scheduled withdrawal date. Payments from Cashback Bonus cannot be modied or cancelled after beingmade or scheduled. Ifyour payments may vary in amount.we will tellyou on each monthly billing statementwhen your paymentwill be made and how much it will be. You must ensure that sufcient funds are available in your bank account, and all transactions must comply with U.S. law. You can set up automatic payments for: (l) statement New Balance, (ll) statement Minimum Payment Due, (iii) statementMinimum Payment Due plus a xed dollar amount. or (iv) other dollar amount. Ifyour scheduled "Other dollar amount” Change ofAddress Page 2 oil; OPEN T0 CLOSE DATE: 05/27/2020 - 05/31/2020 payment is not enough to cover the Minimum Payment Due as listed on yourmonthly billing statement. your scheduled payment for that month wlll be increased to cover the Minimum PaymentDue. Ifthe scheduled payment is greaterthan the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. lfyour scheduled payment is greaterthan the New Balance on your billing statement, that paymentwill be processed only for the amountofyour New Balance. Yourautomatic paymentamountmay be less than the amount indicated on the billing statement based on credits or payments after the Close Date. ifyou enroll by phone in our automatic payment service, please ll-in the following blanks below and retain the authorization for your records. Amount OFull Pay OMin Pay OMin Pay+ $ OOtherAmount $ Bank Routingit Bank Accounttt _ Monthly on theO Payment Due Date. or O Day of the month (INSERT DATE) Credit Reporting. Credit Reporti ng.We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on yourAccount may be reected in yourcredit report. We norrnallyreportthe status and payment history of yourAccount to credit reporting agencies each month. Ifyou believe that our report ls inaccurate or incomplete, please write us at this address: Discover, P0 Box 30939, Salt Lake City, UT 84130-0939. Please include your name, address. home telephone numberand Account number. Paying interest. Yourdue date is at least 25 days afterthe close of each billing period (at least 23 days for billing periods that begin in February).We will begin charging interest on Cash Advances and Balance Transfers as of the later ofthe Transaction Date or the rst day of the billing period in which the transaction posted to your Account. Ifyou pay the New Balance on your current billing statement by the Payment Due Date shown on that billing statement,we will notimpose interestcharges on New Purchases. New Purchases are Purchases that rst appear on the next billing statement. Interestwill continue to accrue each day on purchases that appeared on previous billing statements untilyou pay the New Balance in full and wiii be billed in the next billingcycle. HowWeCalculatelnterat Charges.We Use the Daily Balance Method (including currenttransactions) to calculate the Balance Subjectto Interest Rate. For more information, please call us at 1-800-310-2683. Balance Subiect To Interest Rate.Your statement shows a Balance Subject to interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the daily balances duringthe billing period. Credit Balances. IfyourAccount has a credit balance, the amountis shown on the front ofyourbilling statement.A credit balance is moneythat is owed to you. You may make charges againstthis amount ifyour Account Is open. We will send you a refund ofany remaining balance of $1.00 or more after6 months. or as otherwise required by applicable law. or upon request made to the address in the Contact Us section on page 3 of your billing statement. BalanceTmnsfers. Balance Transfers are offered at our discretion and accrue interest at the standard purchase rate unless we tell you otherwise. Discover may monitorand/or record telephone calls between you and Discover representatives for quality assurance purposes. Send inquiries to Discover, P0 Box 30943, Salt Lake City, UT 84130 The Discover“ card is issued by Discover Bank, MemberFDIC. TL23-27N.0420 Ifcorrect on front, do not use. To make changes to your address, email ortelephone number, please print clearly in blue or black ink, in the space provided orvisit Discover.com. StreetAddress Home Phone 1 Work Phone City Email State, Zip DISCQVER. ONUNE E PHONE PAYMENTS Page3of4Discover'com or 1'800‘347'2683 ”ism” mscovmO M01150 CARDmnmem 2971 download our app TDD 1-800-347-7449 P0 Box 6103 opEN To CLOSE DATE: 05/27/2020 - 05/31/2020 Carol Stream E IL60197-6103 Transactions Cashback Bonus® Rewards TRANS. Anniversary Month October DATE PAYMENTS AND CREDITS AMOUNT 05/27 CASHBACK BONUS STATEMENT CREDIT ' $6 67 PREVIOUS BALANCE $0.00 05/31 INTERNAL CHARGE-OFF -$1 9,552.37 EARNED THIS PERIOD +so'oo REDEEMED THIS PERIOD -$0.00 Fees a n d Interest Ch arged CASRBACK Bonus BALANcg $0.00 TOTAL FEES FOR THIS PERIOD $0.00 TOTAL INTEREST FOR THIS PERIOD $0.00 2020 TOTALS YEAR-TO-DATE CHARGED AMOUNT TOTAL FEES CHARGED IN 2020 $195.00 TOTAL INTEREST CHARGED IN 2020 $1,090.10 Interest Charge Calculation YourAnnual Percentage Rate (APR) is the annual Interest rate on your account. CURRENT BILLING PERIOD: 5 DAYS PROMO BALANCE sualecr INTEREST TYPE OF BALANCE APR' APR EXPIRES" T0 INTEREST RATE CHARGE Purchases 02/04/2016and after 11.99%V N/A $0.00 $0.00 02/03/2016and prior 12.99%V NIA $0.00 $0.00 Expired PromotIonal Purchases Promotional Purchases 12.99% V N/A $0.00 $0.00 Cash Advances 23.99% V N/A $0.00 $0.00 V = VARIABLE RATE * lfyour account ls currently enrolled in a special program or is placed Into one during the term ofthe offer. you will receive the benet ofthe lower ratewhile the special program ls in effect. This Includes, ifapplicable, any lower rates as authorized under the ServicemembersCivil RellefAct. ** This is the date your promotional rate expires and the remaining balance will be moved to yourstandard APR disclosed when you accepted the offer. Please note: Changing your payment due date may change your Promo APR Expiration Date. "* For more information, please call us at 1800-3472683. Information ForYou Avallabllity of FICO° Credit Score As an active cardmember, you may see your FICO° Credit Score on your monthly statement or online. Reasons why you may not see your FICO° Credit Score include: If you optout; lfyou have key information that is mismatched or missing. as one example, an address change that has not been updated with Discover or TransUnion; if your credit history is too new; ifyour account status is abandoned, bankrupt. fraud, lost or stolen, closed. revoked. or charged off; if you have a foreign address. Your FICO° Score is disclosed on statements when your statement is available. You may not receive a statement lf you have no account activity such as no purchase transactions. fees, interest, or payments for approximately 30 days. FICO is a registered trademark ofthe Falr Isaac Corporation in the United States and other countrles. DISCOVERQ MORE” CARD ENDING IN 2971 Page lo of lo JANET M BUDERUS OPEN TO CLOSE DATE: 05/27/2020 - 05/31/2020 DISC VER‘ mscovsko MOREO CARD ENDINGIN 2971 (ARDMEMBER SINCE 2002 Account Summaly 04/27/2020-05/26/2020 Previous Balance $19,313.26 Payments and Credits +$O.oo Purchases +$0.00 Balance Transfers +$0.00 Cash Advances +$0.00 Fees Charged +$39.00 Interest Charged +$206.78 New Balance: $19,559.04 See Interest Charge Calculation section followingthe Fees and Interest Charged section for detailed APR Information Credit Line $18,600 Credit Line Available $0 Cash Advance Credit Line $3,310 Cash Advance Credit Line Available $0 FICO‘” Score 8 based on TransUnion® data: - As or os/zo/zoUpdated Monthly See Key Factors that help explain your score at Discover.com orvisii our mobile app Payment Coupon Detach at perforation above and return with check payableto Discover. Do not fold. clip, staple or send cash. IllllllllllulllullIllllIlll"llllllll'llllllllll”"Illllllll'l JANETM BUDERus A: 522 N. CENTRAL Ave. PO BOX 2330 PHOENIX AZ 85002-2330 New address. email or phone? Please update on reverse. Payment Information New Balance Minimum Payment* Payment Due Date $19,559.04 $3,003.00 06/21/2020 * Includes past due amount 0f $261 1 .00 Late PaymentWarning: Ifwe do not receive your minimum payment by the date listed above. you may have to pay a late fee ofup to $40.00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 16.99%. Minimum PaymentWarning: If you make only the minimum payment each period, you will pay more in interest and it will take longerto pay offyour balance. For example: as > -' P_ - :- giggg " ._ réw Oniythe minimum payment 26 years $38,250 s ‘ - Ifyou would like Information aboutcredit counseling services, call us at 1-8004347-11 21. Notice: See reverse side for Important Information ACCOUNT NUMBER ENDING lN 2971 New Balance $19,559.04 Minimum Payment Due $3,003.00 Payment Due Date 06/21/2020 Amount Enclosed Forafaster. easier Discover.com $5 Laotian-2683 way to pay... See reverse for payment cut olT times. E PO BOX 29013 PHOENIX AZ 85038-901 3 DISCOVERO MORE® CARD ENDINGIN 2971 JANET M BUDERUS Important Infonnatton See yourCardmemberAgreement. Your CardmemberAgreement contains all the terms ofyourAccount. Lost or Stolen Cards. Report immediately! Call 1-800-347-2683. What To Do IfYou ThinkYou FlndAMistake0n YourStatement: If you think there is an error on your statement, write to us at Discover, P0 Box 30421, Salt Lake City. UT 814130-0421, or submit the form provided at https://discover.com/bIlllngerrornotice. You must contact uswithin 60 days afterthe error appeared on your statement. You may call us, but ifyou do we are not required to investigate any potential errors, and you may have to pay the amountin question. The Billing Rights Notice further explains our rights. Please see your CardmemberAgreement orvisit https:// iscover.com/billingrig tsfora copy ofthis Notice. Payments. You may pay all or part ofyourAccount balance at anytime. However. you must pay at least the Minimum Payment Due by the PaymentDue Date. Send only your allowableform ofpayment ('Payment") and the bottom portion of this statement In the envelope provided. afterafxing postage. Payments sentwithout proper postage will be returned to the sender. liyou pay by check. you authorize us to use informationon your check to make an electronic fund transferfrom your account at the nanclalinstitution indicated on yourcheck orto process the paymentas a check transaction. If a Payment is processed as an electronic fund transfer,the transferwill be for the amount ofthe check, funds may be withdrawn from your account as soon as the same daywe receive your check, and you will not receive your check back. Please do not send ash. Sending cash is not allowed. The processing ofyour allowable form of Paymentmay be delayed ifyou send cash or correspondence with your Payments, ifyou send the Payment to any otheraddress. or ifyou use an envelope other thanthe one provided. Payments received atour processing facility by 5PM local time on any daywill be credited to yourAccount as ofthat day. Payments received at our processing facility after 5PM local time will be credited to yourAccount as ofthe nextday. ifyou have misplaced yourenvelope, send your Paymentto Discover, PO Box 6103. Carol Stream. iL 60197-6103. Please allow 7-10 days for delivery. Ifyour Paymentis returned unpaid.we reserve the right to resubmit it as an electronic debit. Payments made online or by phone will be credited as ofthe day of receipt ifmade by 5PM ET. You can also make a Payment or set up automatic payments by calling 1-800-347- 2683. Automatic payments forthe billing period shown on yourstatementwill be deducted on the Payment Due Date shown on that statement, or the next automatic payment date referred to on your statement. unless you request a recurring payment date that occurs before yourPayment Due Date. Ifyourscheduled paymentdate falls on a weekend or bank holiday. your paymentwill be processed the business day prior to theweekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and yourbank account information.You will be asked to provide the last four(4) digits ofthe social security numberofthe Erlmary borroweras yourelectronic signature. By providingthose numbers, you will e agreeingto this authorization to allow us and yourbank to deduct each payment you authorize. in the amount selected by you, from your bank account. You also authorize us to initiate debit orcredit entries to your bank account. as applicable, to correct an error in the processingof such payment. You can cancel a scheduled payment by phone at 1-800-347-2683 or by mail at Discover, PO Box 30421, Salt Lake City. UT 84130-0421; payment cancellations must be received before 5 PM ET of the scheduled withdrawal date. Payments from Cashback Bonus cannot be modified or cancelled after beingmade or scheduled. lfyourpayments may vary in amount.we will tellyou on each monthly billing statementwhen your paymentwill be made and how much itwill be. You must ensure that sufcient funds are availablein your bank account, and all transactionsmust comply with U.S. law. You can set up automatic payments for: (l) statement New Balance, (ll) statement Minimum Payment Due, (iii) statementMinimum Payment Due lus a xed dollar amount. or (iv) other dollaramount. Ifyour scheduled "Other ollaramount" Change ofAddress Page 2 of 4 OPEN T0 CLOSE DATE: 04/27/2020 - 05/26/2020 payment is not enough to cover the Minimum Payment Due as listed on yourmonthly billing statement. your scheduled payment for that month will be increased to cover the Minimum Payment Due. Ifthe scheduled payment is greaterthan the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. Ifyourscheduled payment is greaterthan the New Balanceon yourbilling statement, that paymentwill be processed only forthe amount ofyour New Balance. Yourautomatic paymentamount may be less than the amount indicated on the billing statement based on credits or payments after the Close Date. lf you enroll by phone in our automatic payment service, please fill-inthe following blanks below and retain the authorization foryour records. Amount O Full Pay O Min Pay OMin Pay+ 5 OOtherAmount $ Bank Routingif BankAccount ti Monthly on theOPayment Due Date, or O Day of the month (INSERTDATE) Credit Reporting. Credit Reporting.We may report information aboutyour Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in yourcredit report. We normally report the status and payment history of yourAccount to credit reporting agencies each month. ifyou believe that our report is inaccurate or incomplete, please write us at this address: Discover, P0 Box 30939. Salt Lake City. UT 8&130-0939. Please include your name, address, home telephone numberand Account number. Paying interest. Yourdue date ls at least 25 days afterthe close of each billing period (at least 23 days for billing periods that begin in February). Wewill begin charging intereston Cash Advances and Balance Transfers as oi the later ofthe Transaction Date or the rst day of the billing period inwhich the transaction posted to your Account. Ifyou paythe New Balance on your current billing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on New Purchases. New Purchases are Purchases that rst appear on the next billing statement. Interestwill continue to accrue each day on purchases that appeared on previous billing statements untilyou pay the New Balance in full and willbe billed in the next billing cycle. NowWeCalculateinterest Charges.We Use the Daily Balance Method (including current transactions) to calculate the Balance Subject to Interest Rate. For more information, please call us at 1-800-347-2683. Balance Subiect To interest Rate.vour statement shows a Balance Subject to Interest Rate. it shows this for each transaction category. The Balance Subject to Interest Rate is the average of the daily balances duringthe billing period. Credit Balanca. ifyourAccount has a credit balance, the amountis shown on the front ofyour billing statement.A credit balance is money that is owed to you. You may make charges againstthls amount ifyour Account is open. We will send you a refund ofany remaining balance of$1.00 or more afteré months, or as othenrvise required by applicable law. or upon request made to the address in the Contact Us section on page 3 of yourbilling statement. BalanceTransfers. Balance Transfers are offered at our discretion and accrue Interest at the standard purchase rate unlesswe tell you otherwise. Discover may monitorand/or record telephone calls between you and Discover representatives for quality assurance purposes. Send inquiries to Discover, P0 Box 30943, Salt Lake City, UT 84130 The Discover“ card is issued by Discover Bank, Member FDIC. TL23-27N.0420 Ifcorrect on front. do not use. To make changes to your address, email ortelephone number, please print clearly in blue or black ink, in the space provided or visit Discover.com. Street Address Home Phone Work Phone City Email State, Zip PHONE PAYMENTS 1-800-347-2683 Discover TDD 1-800-347-7449 P0 Box 6103 l Carol Stream IL 60197-6103 Transactions N0 ACTIVITY FOR THIS BILLING PERIOD ONLINED'SCQVER‘ DIscover.com or download our app Fees and Interest Charged FEES FOR THIS PERIOD AMOUNT LATE FEE $39.00 TOTAL FEES FOR THIS PERIOD $39.00 INTEREST CHARGED FOR THIS PERIOD AMOUNT INTEREST CHARGE ON PURCHASES $206.78 INTEREST CHARGE ON CASH ADVANCES $0.00 INTEREST CHARGE ON BALANCE TRANSFERS $0.00 TOTAL INTEREST FOR THIS PERIOD $206.78 2020 TOTALS YEAR-TO-DATE CHARGED AMOUNT TOTAL FEES CHARGED IN 2020 $195.00 TOTAL INTEREST CHARGED IN 2020 $1,090.10 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. CURRENT BILLING PERIOD: 30 DAYS PROMO BALANCE SUBIECT INTEREST TYPE 0F BALANCE APR' APR EXPIRES" T0 INTEREST RATE CHARGE Purchases 02/Ol‘l2016and after 11.99%V N/A $599.05 $5.90 02/03/2016 and prior 12.99%V N/A 511.055.03 $118.02 Expired Promotional Purchases Promotional Purchases 12.99% V N/A $7,758.95 $82.86 Cash Advances 23.99% V N/A $0.00 $0.00 V - VARIABLE RATE ‘ Ifyour account is currently enrolled in a special program or is placed into one during the term ofthe offer, you will receive the benet of the lower ratewhile the special program is in effect. ihis includes, ifapplicable, any lower rates as authorized underthe ServicemembersCivil ReliefAct. '* This is the date your promotional rate expires and the remaining balancewill be moved to yourstandard APR disclosed when you accepted the offer. Please note: Changing your payment due date may change your Promo APR Expiration Date. *** For more information. please call us at 1-800-347-2683. Page 3 of 4 orscovenP Mone® CARDmoment 2971 OPEN T0 CLOSE DATE: 04/27/2020 - 05/26/2020 Cashback Bonus® Rewards Anniversary Month October PREVIOUS BALANCE $0.00 EARNED THIS PERIOD +$0.00 REDEEMED THIS PERIOD -$0.00 CASRBACK BONDS BALANCE $0.00 Continued on next page mscovsa0 M0RE® cARo ENDINGm 2971 Page a of a JANET M BUDERus OPEN To CLoss DATE: 04/27/2020 - 05/26/2020 Information ForYou FICOG’ Credit Score Terms Your FICOG Credit Score, key factors. and other credit information use the FICO“ Score 8 model. They are based on data from TransUnion“ and may be different from othercredit scores and other credit infomation provided by different bureaus. This Information is intended forand only provided to Primary account holders who have an available score. Your score, key factors and other credit information are available on Discover.com and cardmembers are also provided a score on statements. Customers will see up to a year of recent scores online. Discover and other lenders may use different inputs, such as FICOO Credit Scores, other credit scores and more information in credit decisions. This benet may change or end in the future. FlCO ls a registered trademark of the Fair Isaac Corporation in the United States and othercountries. lfyou prefer not to receive your FlCOo Credit Score iust call us at 1-800-DISCOVER 0-800-347-2683). Please give us two billing cycles to process your request. Discover Financial Services and Fair Isaac are not credit repair organizations as dened under federal or state law, including the Credit Repair Organizations Act. Discover Financial Services and Fair Isaac do not provide “credit repair" services or assistance regarding "rebuilding' or "improving' your credit record, credit history or credit rating. Availability of FICOO Credit Score As an active cardmember, you may see your FICOO Credit Score on your monthly statement or online. Reasons why you may not see your FICO‘” Credit Score include: if you opt out; if you have key information that Is mismatched or missing, as one example. an address change that has not been updated with Discover or TransUnion”; ifyour credit history is too new; ifyour account status ls abandoned, bankrupt, fraud, lost or stolen. closed, revoked, or charged off; ifyou have a foreign address. Your FICOO Score is disclosed on statements when your statement Is available. You may not receive a statement if you have no account activity such as no purchase transactions, fees, interest. or payments for approximately 30 days. DISC VER' DISCOVERO MOREO CARD ENDINGIN 2971 CARDMEMBER SINCE 2002 Account Summary 03/27/2020-04/26/2020 Previous Balance $19,063.27 Payments and Credits +$0.00 Purchases +$0.00 Balance Transfers +$0.00 Cash Advances +$0.00 Fees Charged +$39.00 Interest Charged +$210.99 New Balance: $19,313.26 See Interest Charge Calculationsection followlngthe Fees and Interest Ch arsed section for detailed APR Information Credit Line $18,600 Credit Line Available $0 Cash Advance Credit Line $3,310 Cash Advance Credit Line Available $0 FICO‘” Score 8 based on TransUnion® data: - As or 04/20/20 3Updated Monthly aSee Key Factors that help explain your score at Discover.com orvisit our mobile app Payment Coupon Detach at perforation above and return with check payable to Discover. Do not fold. clip, staple or send cash. Ill-'rI-I|"I'll-llll'll-IIr-I'IIIIn"ul'l'Illlllllllnll'll-I' JANETM BUDERus g522 N.CENTRAL Ave. P0 BOX 2330 PHOENIX AZ 85002-2330 New address. email or phone? Please update on reverse. 2 Onlythe minimumpayment Payment Information New Balance Minimum Payment* Payment Due Date 519,313.26 52,611.00 05/21/2020 * Includes past due amount 082224.00 Late PaymentWamlng: Ifwe do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $39.00 and your purchase and balance transferAPRs for new transactions may be increased up to the Penalty APR of 16.99%. Minimum PaymentWaming: Ifyou make only the minimum payment each period. you will pay more in interest and it will take longer to pay offyour balance. For example: 26 years $38,166 Ifyou would like informationaboutcredit counseling services. call us at 1-8003471121. Notice: See reverse side for Important Information ACCOUNT NUMBER ENDING IN 2971 New Balance 519,313.26 Minimum Payment Due $2,611 .00 Payment Due Date 05/21/2020 Amount Enclosed Fora faster. easier gnnlscover.corn ta 1-800-347-2683 way m paV'“ See reverse forpayment cut off times. P0 BOX 29013 PHOENIX AZ 85038-9013 "I'M-'l-IIII'II"-I'r-IIIII'HIIHIIIII'IIIII-IIII'rII'll-""I DISCOVERG M03? CARD ENDINGIN 2971 JANET M BUDERus Imponant Information See yourCardmemberAgreement. Your CardmemberAgreement contains all the terms ofyourAccount. Lost or Stolen Cards. Report immediately! Call 1-800-347-2683. \M1at To Do lfYou 111lnkYou FlndAMistakeOn Your Statement: lfyou think thete is an error on you: statement. write to us at Discover, P0 Box 30421. Salt Lake City, UT 84130-0421, or submit the form provided at https://discavencom/billingerromotice. You must contact uswithin 60 days after the errorappeared on your statement. You may call us, but ifyou do we are not required to investigate any potential errors, and you may have to pay the amountin question. The Billing Rights Notice further explains our rights. Please see your Cardmember Agreement orvisit httpszl/ iscover.com/billingrightsfora copy ofthls Notice. Payments. You may pay all or part ofyourAccount balance at any time. However, you must pay at leastthe Minimum Payment Due bythe Payment Due Date. Send only yourallowable form ofpayment ('Payment") and the bottom portion ofthis statement in the envelope provided, aerafxingpostage. Payments sentwithout proper postagewill be returned to the sender. lfyou pay by check. you authorize us to use information on your check to make an electronic fund transfer from your account at the nancialinstitution indicated on yourcheck or to process the paymentas a check transaction. Ifa Payment is processed as an electronic fund transfer. the transferwill be forthe amount ofthe check, funds may be withdrawn from your account as soon as the same daywe receive your check, and you will not receive your check back. Please do not send ash. Sending cash is not allowed. The processing ofyour allowable form ofPaymentmay be delayed if you send cash orcorrespondence with your Payments. ifyou send the Paymentto any otheraddress. or lfyou use an envelope other than the one provided. Payments received at our processing facility by 5PM local time on any daywill be credited to yourAccount as of that day. Payments received at our processing facilityafter 5PM local time will be credited to yourAccount as ofthe nextday. lfyou have misplaced yourenvelope, send your Paymentto Discover, P0 Box 6103, Carol Stream, lL 601976103. Please allow 7-10 days for delivery. ifyour Paymentis returned unpaid,we reserve the right to resubmit it as an electronic debit. Payments made online or by phone will be credited as ofthe day ofreceipt ifmade by 5PM ET. You can also make a Paymentor set up automatic payments by calling 1-800-347- 2683. Automatic payments forthe billing period shown on your statementwill be deducted on the Payment Due Date shown on that statement, or the next automatic payment date referred to on your statement, unless you request a recurring payment date that occurs before your Payment Due Date. lfyour scheduled paymentdate falls on a weekend or bank holiday,your paymentwill be processed the business day prior to the weekend or bank holiday. in order to schedule monthly payments by telephone. you will need this statement and your bank account information.You will be asked to provide the last four(a) digits ofthe social security numberofthe grimany borrower as your electronic signature. By providing those numbers. you will e agreeingto this authorization to allow us and yourbank to deduct each payment you authorize, in the amount selected by you. from your bank account. You also authorize us to initiate debit or credit entries to your bank account, as applicable. to correct an error in the processingof such payment. You can cancel a scheduled payment by phone at 1-800-347-2683 or by mail at Discover, P0 Box 30421, Salt Lake City, UT 84130-0421; payment cancellations must be received before 5 PM ET of the scheduled withdrawal date. Payments from Cashback Bonus cannot be modied or cancelled after beingmade or scheduled. lfyourpayments may vary in amount,we will tellyou on each monthly billing statementwhen your paymentwill be madeand how much itwill be. You must ensure that sufcient funds are available in your bank account, and all transactions must comply with U.S. law. You can set up automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a xed dollar amount,or (iv) other dollaramount. lfyourscheduied "Other dollaramount' Change ofAddress Page 2 of 6 OPEN T0 CLOSE DATE: 03/27/2020 - 04/26/2020 payment is not enough to cover the Minimum Payment Due as listed on yourmonthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. ifthe scheduled payment is greaterthan the Minimum Payment Due, any excesswill be applied in accordance with your Cardmember Agreement. lfyour scheduled payment is greater than the New Balance on your billing statement, that paymentwill be processed only for the amount ofyourNew Balance. Yourautomatic payment amount may be less than the amount indicated on the billing statement based on credits or payments after the Close Date. lfyou enroll by phone in our automatic payment service, please ll-in the following blanks below and retain the authorization for your records. Amount O Full Pay OMin Pay OMin Pay+ $ O Other Amount $ Bank Routingtt BankAccount it Monthly on theOPayment Due Date, or O Day of the month (INSERTDATE) Credlt Reportlng. Credit Reporting.We may report information aboutyourAccount to credit bureaus. Late payments. missed payments, orother defaults on your Account may be reflected in your credit report. We normallyreport the status and payment history of yourAccount to credit reporting agencies each month. lfyou believe that our report ls Inaccurate or incomplete. please write us at this address: Discover, P0 Box 30939, Salt Lake City, UT 84130-0939. Please include your name, address. home telephone number and Account number. Paying Interest. Your due date is at least 25 days afterthe close of each billing period (at least 23 days for billing periods that begin in February).Wewill begin charging interest on Cash Advances and Balance Transfers as of the later ofthe Transaction Date or the first day of the billing period in which the transaction posted to your Account. lfyou pay the New Balance on yourcurrent billing statementb the Payment Due Date shown on that billing statement. we will notimpose interest c arges on New Purchases. New Purchases are Purchases that first appear on the next billing statement. lnterestwill continue to accrue each day on purchases that appeared on previous billing statements untilyou pay the New Balance in full and will be billed in the next billing cycle. HowWeCalculate lnterst Charges.We Use the Daily BalanceMethod (including current transactions) to calculate the Balance Subjectto lnterestRate. For more information, please call us at 1-800-347-2683. Balance Subiect To Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rate is the average ofthe daily balances during the billing period. Credit Balances. IfyourAccount has a credit balance, the amountis shown on the front ofyour billing statement.A credit balance is money that is owed to you. You may make charges against this amount ifyour Account is open. We will send you a refund ofany remaining balance of$1.00 or more after6 months. oras otherwise required by applicable law, or upon request made to the address in the Contact Us section on page 3 ofyourbilling statement. BalanceTransfers. Balance Transfers are offered at our discretion and accrue Interest at the standard purchase rate unless we tell you otherwise. Discover may monitorand/or record telephone calls between you and Discover representatives forquallty assurance purposes. Send inquiries to Discover, P0 Box 30943, Salt Lake City, UT 84130 The Discover“ card is issued by Discover Bank, MemberFDIC. TL23-27N.0420 Ifcorrect on front, do not use. To make changes to your address, email orteiephone number. please print clearly in blue or black ink, in the space provided orvisit Discover.com. StreetAddress Home Phone Work Phone City Email State. Zip D'SCQVER 0mm: _: PHONE PAYMNTs Page 3 of 6Discover.com or E 1-800-347-2683 Discover Dlscovme MOREQ CARDmnmcm 2971 download our app TDD 1-800-347-7449 P0 Box 6103 OPEN To CLOSE DATE: 03/27/2020 - 04/26/2020 Carol Stream IL 60197-6103 Transactions Cashback Bonus® Rewards N0 ACTIVITY FOR THIS BILLING PERIOD Anniversal‘y Month October PREVIOUS BALANCE $6.67 Fees a n d Inte rest C h a rged EARNED THIS PERIOD +so.oo EEEs Eon TIIIs PERIOD AMOUNT “DEEMED “"5 PER'OD '5°°°° LATE FEE $39M CASRBACX Bonus BALANCE 6TOTAL EEEs TOR THIs PERIOD $39.00 56- 7 INTEREST CHARGED FOR THIS PERIOD AMOUNT INTEREST CHARGE 0N PURCHASES $210.99 INTEREST CHARGE 0N CASH ADVANCES $0.00 INTEREST CHARGE 0N BALANCE TRANSFERS $0.00 TOTAL INTEREST FOR THIS PERIOD $210.99 2020 TOTALS YEAR-TO-DATE CHARGED AMOUNT TOTAL FEES CHARGED IN 2020 $1 56.00 TOTAL INTEREST CHARGED IN 2020 $883.32 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. CURRENT BILLING PERIOD: 31 DAYS PROMO BALANCE SUBJECT INTEREST TYPE 0F BALANCE APR. APR EXPIRES" TO INTEREST RATE CHARGE Purchases 02/04/2016and after 11.99%V N/A $554.28 $5.64 02/03/2016and prior 12.99%V N/A $10,935.70 $120.65 Expired Promotional Purchases Promotional Purchases 12.99%V N/A $7.675.18 $84.70 Cash Advances 23.99% V N/A $0.00 $0.00 V IVARIABLE RATE “ Ifyour account ls currently enrolled In a special program or is placed into one during the term ofthe offer. you will receive the benet of the lower ratewhile the special program ls In effect. This includes. If applicable. any lower rates as authorized under the Servicemembers Civil ReliefAct.“ This is the date your promotional rate expires and the remaining balancewill be moved to your standard APR disclosed when you accepted the offer. Please note: Changing your payment due date may change your Promo APR Expiration Date. ‘** Formore information, please call us at 1-800-347-2683. Continued on next page DISCOVERQ MOREG CARD ENDINGIN 2971 Page 4 of 6 MET M BUDERUS OPEN T0 CLOSE DATE: 03/2712020 - 04/26/2020 Information ForYou FICO° Credit Score Terms Your FICOQ Credit Score, key factors. and other credit information use the FICO” Score 8 model. mey are based on data from TransUnion° and may be different from othercredit scores and other credit infomtation provided by different bureaus. This information is intended forand only provided to Primary account holders who have an available score. Your score, key factors and other credit information are available on Discover.com and cardmembers are also provided a score on statements. Customers will see up to a year of recent scores online. Discover and other lenders may use different inputs. such as F|C0° Credit Scores, other credit scores and more information in credit decisions. This benefit may change or end in the future. FlCO is a registered trademark of the Fair Isaac Corporation in the United States and othercountries. if you prefer not to receive your FICO° Credit Score iust call us at 1-800-DISCOVER (1-800-347-2683). Please give us two billing cycles to process your request. Discover nancial Services and Fair lsaac are not credit repair organizations as dened under federal or state law, including the Credit Repair Organizations Act. Discover Financial Services and Fair isaac do not provide "credit repair" services or assistance regarding ”rebuilding" or ‘improving' your credit record, credit history or credit rating. Availability of FICOO Credit Score As an active cardmember, you may see your FICO" Credit Score on your monthly statement or online. Reasons why you may not see your FICO" Credit Score include: if you opt out; if you have key information that is mismatched or missing. as one example. an address change that has not been updated with Discover or TransUnion“; ifyour credit history is too new; ifyour account status is abandoned. bankrupt. fraud, lost or stolen. closed, revoked, or charged off; if you have a foreign address. Your F|C0° Score is disclosed on statements when your statement is available. You may not receive a statement if you have no account activity such as no purchase transactions, fees, interest. or payments for approximately 30 days. D'SC.VERe ONLINE E PHONE E PAYMENTS Page 5 of 6Discovemom or E 1-800-347-2683 Discover mscovz MOREQ CARDmoms IN 2971 download our app E TDD 1-800-347-7449 P0 Box 6103 opEN To CLOSE DATE; 03/27/2020 . 04/25/2020 CarolStream IL60197-6103 FICO® Credit Score FICO® Credit Score History Important Information: We may not always receive a score foryou each month. so there may be months with no scores. .For questions on the availability ofyour score go to the "Information For You" section of this statement. The FICOQ Score 8 based on TransUnion data is the score that Discover uses. This chart will be shown in every Ian, Apr, Jul and Oct statement when you have up to 12 months of scores. Log in to Discover.com/FICO any time to see key factors that help explain your scores. 30% Amounts owed 10% New credit 10% Clam mix 15% Length of credit See FICO° Credit Score Terms in the “Information ForYou' section ofthls statement. 2019 Discover Bank, Member FDIC CODE_SUM_1219 mscovea° M0R° CARD ENDINGm 2971 Page s or a IANET M BUDERUS OPEN T0 CLOSE DATE: 03/27/2020 - 04/26/2020 DISCOVER‘ DISCOVERO MOREQ CARD ENDINGIN 2971 CARDMEMBER SINCE 2002 Accgunt Summary 02,227/2020-03/26/2020 Previous Balance $18,806.95 Payments and Credits +$0.00 Purchases +$0.00 Balan ce Transfers +$0.00 Cash Advances +$0.00 Fees Charged +$39.00 Interest Charged +$217.32 New Balance: $19,063.27 See Interest Charge Calculatlon sectionfollowlngthe Fees and Interest Charged section for detailedAPR Information Credit Line $18,600 Credit Line Available $0 Cash Advance Credit Line $3,310 Cash Advance Credit Line Available $0 FICOD Score 8 based on TransUnionO data: E - As or 03/20/20Updated Monthly See Key Factors that help explain your score at Discover.com orvisit our mobile app Payment Coupon Detach at perforation above and return with check payable to Discover. Do not fold, clip. staple or send cash. lull:Illlhlllhlrm"IllIIIIIIIIIIIIIIIHIIIII'nllnlllllll JANETM BUDERus A; 522 N. CENTRAL AVE. P0 BOX 2330 PHOENIXAZ 85002-2330 New address, email or phone? Please update on reverse. Onlythe minimum payment 5 Payment Information New Balance Minimum Payment* Payment Due Date 519,063.27 $2,224.00 04/21/2020 * Includes past due amount of $1842.00 Late PaymentWarnlns: lfwe do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $39.00 and your purchase and balance transferAPRs for new transactions may be increased up to the Penalty APR of 18.49%. Minimum PaymentWarning: If you make only the minimum payment each period. you will pay more in interest and it will take longer to pay offyour balance. For example: g 30 years .. ‘- .....'l Ifyou would like information about credit counselingservices. call us at 1-800-3471121 $43,450 g Notice: See reverse side for important Information ACCOUNT NUMBER ENDING IN 2971 New Balance 519,063.27 Minimum Payment Due $2,224.00 Payment Due Date 04/21/2020 Amount Enclosed For a faster. easier Q Discover.com & 1-800-347-2683 i I See reverse for payment cut off times. i way to pay“. P0 BOX 29013 PHOENIX AZ 85038-9013 DISCOVERO MORE° CARD ENDING IN 2971 Page 2 0‘ 6 JANET M BUDERUS OPEN T0 CLOSE DATE: 02127/2020 - 03/26/2020 Important information Minimum Payment Due. (iil) statementMinimum Payment Due plus a xed dollar See your CardmemberAgreement. Your CardmemberAgreement contains all the terms ofyourAccount. Lost or Stolen Cards. Report immediately! Call 1-800-3h7-2683. What To Do IfYou ThinkYou FindAMistake0n Your Statement: If you think there is an error on your statement, write to us at Discover, P0 Box 30421. Salt Lake City, UT 84130-0421, or submit the form provided at https://discover.com/billingerrornotice. You must contact uswithin 60 days after the error appeared on your statement. You may call us. but ifyou do we are not required to investigate any potential errors, and you may have to pay the amountin question.The Billing Rights Notice further explainsyour rights. Please see your CardmemberAgreement orvisit https://discover.com/blllingrights fora copy of this Notice. Payments. You may pay all or part ofyourAccount balance at anytime. However. you must pay at least the Minimum Payment Due by the PaymentDue Date. Send only your allowable form of payment ("Payment") and the bottom portion of this statement in the envelope provided. afterafxing postage. Payments sentwithout proper postage will be returned to the sender. Ifyou pay by check, you authorize us to use information on your check to make an electronic fund transfer from your accoun at the nancialinstitution indicated on yourcheck orto process the paymentas a check transaction. Ifa Payment is processed as an electronic fund transfer, the transferwill be for the amount ofthe check, funds may bewithdrawn from your account as soon as the same day we receive yourcheck, and you will not receive your check back. Pleasedo not send ash. Sending cash is not allowed. The processing ofyour allowable form of Payment may be delayed ifyou send cash orcorrespondence with your Payments, ifyou send the Payment to any otheraddress. or ifyou use an envelope other than the one provided. Payments received at our processing facility by 5PM local time on any day will be credited to yourAccount as of that day. Payments received at our processing facility after 5PM local time will be credited to yourAccount as ofthe nextday. lfyou have misplaced yourenvelope. send your Paymentto Discover, PO Box 6103, Carol Stream, iL 60197-6103. Please allow 7-10 days for delivery. If your Payment ls returned unpaid, we reserve the right to resubmit it as an electronic debit. Payments made online or by phone will be credited as ofthe day ofrecelpt ifmade by 5PM ET. You can also make a Paymentorset up automatic payments by calling 1-800-347- 2683. Automatic payments for the billing perlod shown on your statementwill be deducted on the Payment Due Date shown on that statement, or the next automatic payment date referred to on your statement. unless you request a recurring payment date that occurs before your Payment Due Date. lfyourscheduled paymentdate falls on a weekend or bank holiday,your payment will be processed the business day prior to theweekend or bank holiday. in order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the last four(li) digits ofthe social security number ofthe grimary borrower as yourelectronic signature. By providing those numbers, you will e agreeingto this authorization to allow us and yourbank to deduct each payment you authorize, in the amount selected by you, from your bank account. You also authorize us to initiate debit or credit entries to your bank account. as applicable, to correct an errorin the processing of such payment. You can cancel a scheduled payment by phone at 1-800’3a7-2683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 84130-0421; payment cancellations must be received before 5 PM ET of the scheduled withdrawal date. Payments from Cashback Bonus cannot be modied or cancelled after beingmade or scheduled. lfyourpayments may vary in amount,we willtellyou on each monthly billing statementwhen your paymentwill be madeand how much it will be. You must ensure that sufficient funds are available in your bank account. and all transactions must complywith U.S. law. You can set up automatic payments for: (i) statement New Balance. (ii) statement Change ofAddress amount, or (iv) otherdollaramount. Ifyour scheduled "Other dollaramount" payment is not enough to cover the Minimum Payment Due as listed on yourmonthly billing statement, yourscheduled payment for thatmonth will be increased to cover the Minimum Payment Due. ifthe scheduled payment is greaterthan the Minimum Payment Due. any excesswill be applied in accordance with your Cardmember Agreement Ifyour scheduled payment is greaterthan the New Balance on yourbilling statement, that paymentwill be processed only for the amount ofyour New Balance. Your automatic payment amount may be less than the amount indicated on the billing statement based on credits or payments after the Close Date. lfyou enroll by phone in our automatic payment service. please ll-inthe followingblanks below and retain the authorizationforyourrecords. Amount QFull Pay QMln Pay OMin Pay+ S OOtherAmount $ Bank Routingii BankAccount it Monthly on theO Payment Due Date, or O Day of the month (lNSERTDATE) Credit Reporting. Credit Reporting.We may report information aboutyour Account tocredit bureaus. Late payments, missed payments. or other defaults on your Account may be reected in yourcredit report. We normallyreport the status and payment history of yourAccount to credit reporting agencies each month. lfyou believe that our report is inaccurate or incomplete, please write us at this address: Discover, P0 Box 30939, Salt Lake City, UT 84130-0939. Please include your name. address. home telephone numberand Account number. Paying lnterest.Yourdue date is at least 25 days afterthe close of each billing period (at least 23 days for billing periods that begin in February).Wewill not charge you any lntereston Purchases ifyou pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Date or the rst day ofthe billing period In which the transaction posted to yourAccount. NowWeCalculate Interest Charges.We Use the Daily Balance Method (including current transactions) to calculate the Balance Subjectto interest Rate. For more Information, please call us at 1-800347-2683. BalanceSubiect To Interest Rate.Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rate ls the average ofthe daily balances during the billing period. Credit Balances. IfyourAccount has a credit balance, the amount is shown on the front ofyourbilling statement.A credit balance is moneythat is owed to you. You may make charges against this amount ifyourAccount is open. We will send you a refund of any remaining balance of$1.00 or more afteré months. or as othemise required by applicable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. BalanceTransfers. Balance Transfers are offered at ourdiscretion and accrue interest at the standard purchase rate unless we tell you otherwise. Discover may monitor and/or record telephone calls between you and Discover representatives forquality assurance purposes. Send inquiries to Discover. PO Box 30943, Salt Lake City. UT 84130 The Discover° card is issued by Discover Bank, Member FDIC. TL23-27N.1219 If correct on front. do not use. To make changes to your address, email ortelephone number, please print clearly in blue or black ink, in the space provided or vlslt Discover.com. StreetAddress Home Phone - Work Phone cm Email State. Zip D'sc.VER“ ONUNE a PHONE PAYMENTS Page 3 of 6Discover.com or i 1-800‘347-2683 Discover mscovaw MOREO CARDmnmam 2971 download our app i TDD 1-800-347-7449 P0 Box 6103 opEN To CLOSE DATE; 02/27/2020 . 03/26/2020 i 5 Carol Stream 1 IL 60197-6103 IMPORTANT CHANGES T0 YOUR ACCOUNT TERMS The following is a summary ofchanges that are beingmade to your Account terms. These changes will take effect on lune 1, 2020. For more detailed information and addltlonal changes to yourAccount terms. please referto the Explanation o'fChanges to your CardmemberAgreement enclosed with this statement. Revlsed Terms as of lune 1, 2020 Late Fee Up to 540 Returned Payment Fee Up to $40 Transactio n5 Cashback Bonus® Réwa‘rds no Acnvnv ron nus alumsmoon Anniversary Month October PREVIOUS BALANCE $6.67 Fees and Interest Charged EARNED THIS PERIOD +so.oo FEESmms PERIOD AMOUNT REDEEMED THIS PERIOD -$o.oo LATE FEE $39.00 TOTAL FEES FOR THIS PERIOD $39.00 “S“Bm‘ ”NUS BALANCE “‘67 INTEREST CHARGED FOR THIS PERIOD AMOUNT INTEREST CHARGE ON PURCHASES $217.32 INTEREST CHARGE 0N CASH ADVANCES $0.00 INTEREST CHARGE 0N BALANCE TRANSFERS $0.00 TOTAL INTEREST FOR THIS PERIOD $21 7.32 zozo Toms YEAR-To-DATE CHARGED Amouur TOTAL FEES CHARGED IN 2020 $117.00 TOTAL INTEREST CHARGED IN 2020 $672.33 Interest Charge Calculation Your Annual Percentage Rate (APR) ls the annual interest rate on your account. CURRENT BILLING PERIOD: 29 DAYS PROMO BALANCE SUBIECT INTEREST TYPE OF BALANCE APR' APR EXPIRES" T0 INTEREST RATE CHARGE Purchases 02/04/2016and after 13.49%V N/A $509.74 $5.46 02/03/2016and prlor 14.49%V N/A $10,812.94 $124.47 Expired Promotional Purchases Promotional Purchases 14.49% V N/A $7,588.98 $87.39 Cash Advances 25.49% V N/A $0.00 $0.00 V = VARIABLE RATE * Ifyour account ls currently enrolled in a special program or is placed into one during the term of the Offer. you will receive the benet oflhe lower rate while the speclal program is in effect. This includes, if applicable, any lower rates as authorlzed under the Servicemembers Civil ReliefAct. ** This is the date your promotional rate expires and the remaining balancewlll be moved to your standard APR disclosed when you accepted the offer. Please note: Changingyour payment due date may change your Promo APR Expiration Date. '** For more information, please call us at 1800-3474683. Information ForYou Your Billing Rights: Keep This Document For Future Use This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. Continued on next page DISCOVERG MORE” CARD ENDING m 2971 Page 4 of s JANET M BUDERus opsN To CLoss DATE: 02/27/2020 - 03/26/2020 Information For You continued hgt IQ g If Ion Flng A Mfgke Qn mgr ggggmgn; If you think there is an error on your statement. write to us at: Discover P.0. Box 30421 Salt Lake City, UT 816130-0421. You may also contact us on the Web: https://discover.com/billingerrornotice In your letter or on the Web. please give us the following Information: - ccount informagion: Your name and account number. - guy amount; The dollar amount of the suspected error. - gggripgign of problem: Ifyou thinkthere is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us: - Within 60 days afterthe error appeared on your statement. - By 5:00 P.M. ET on the date an automated payment is scheduled, ifyou want to stop payment on the amount you think is wrong. You must notify us ofany potential errors in writing or electronically. You may call us. but ifyou do we are not necessarily required to Investigate any potential errors and you may have to pay the amount in question. WhatWIII Happen After We Receive Your Letter orWeb Submission When we receive your written or electronlc notice, we must do two things: 1. Within 30 days of receiving your notice, we must tell you that we received it. We will also tell you if we have already corrected the error. 2. Within 90 days of receiving your notice, we must either correct the error or explain to you why we believe the bill is correct. While we investigate whether or not there has been an error: - We cannot try to collect the amount In question, or report you as delinquent on that amount. - The charge In question may continue to appearon your statement. - While you do not have to pay the amount in question. you are responsible for the remainder ofyour balance. - We can apply any unpaid amount against your credit limit. After we finish our Investigation, one of two things will happen: - fwe made a mistake; You will not have to paythe amount In question or any interest orotherfees related to that amount. - Ifwe do not believe there was a mistake: You wlll have to pay the amount In question. along with applicable interest and fees. We will send you a statement of the amount you owe and the date payment ls due. We may then report you as delinquent ifyou do not pay the amount we think You owe. if you receive our explanation but still believe your bill is wrong, you must write to us (or visit https://discover.com/billingerrornotice) within 10 days telling us that you still refuse to pay. Ifyou do so. we cannot report you as delinquent without also reporting thatyou are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us. Ifwe do notfollow all ofthe rules above, you do not have to pay the rst $50 ofthe amount you question even If yourbill is correct. Your Rights IfYou Are Dissatised With Your Credit Card Purchases ifyou are dissatised with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may havethe right not to pay the remainingamount due on the purchase. To use this right, all of the followingmust be true: 1. The purchase must have been made in your home state orwithin 100 miles ofyour current mailing address, and the purchase price must have been more than $50. (Note: Neitherofthese are necessary if yourpurchase was based on an advertisement we mailed to you. or ifwe own the company that sold you the goods or services.) ' 2. You must have used your credit card forthe purchase. Purchases made with cash advances from an ATM orwith a check that accesses your credit card account do not qualify. If all of the criteria above are met and you are still dissatised with the purchase. contact us in writing or electronically at: Discover P.0. Box 30945 Salt Lake City. UT 84130-0945 https://discover.comlbillingerrornotice While we investigate. the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point. if we think you owe an amount and you do not pay, we may report you as delinquent. Continued on next page D'SCQVER- ONLINE PHONE PAYMENTS Page 5 0'5Discovemom or 1-300-347-2683 g Discover mscovan° MORE° CARDmomsm 2971 download our app _ TDD 1-800-347‘7449 PO Box 6103 OPEN To CLOSE DATe; 02/27/2020 . 03/25/2020 Carol Stream g IL 60197-6103 Information For You continued FICO° Credit Score Terms Your FICOO Credit Score, key factors. and other credit infomIation use the FICO‘” Score 8 model. They are based on data from TransUnion° and may be different from othercredit scores and other credit information provided by different bureaus. This information is intended forand only provided to Primary account holders who have an available score. Your score. key factors and other credit information are available on Discover.com and cardmembers are also provided a score on statements. Customers will see up to a year of recent scores online. Discover and other lenders may use different inputs, such as FICO“ Credit Scores, other credit scores and more information in credit decisions. This benet may change or end in the future. FICO is a registered trademark ofthe Fair Isaac Corporation in the United States and othercountries. If you prefer not to receive your FlCO‘” Credit Score just call us at LEGO-DISCOVER (1-800-347-2683). Please give us two billing cycles to process your request. Discover Financial Services and Fair Isaac are not credit repair organizations as dened under federal or state law, including the Credit Repair Organizations Act. Discover Financial Services and Fair Isaac do not provide "credit repair' services or assistance regarding "rebuilding' or "improving“ your credit record, credit history or credit rating. Availability of FICO° Credit Score As an active cardmember, you may see your FICO” Credit Score on your monthly statement or online. Reasons why you may not see your FICO° Credit Score include: ifyou opt out; ifyou have key information that is mismatched or missing, as one example, an address change that has not been updated with Discover orTransUnion”; if your credit history is too new; ifyouraccount status is abandoned, bankrupt. fraud, lost or stolen. closed, revoked. or charged off; ifyou have a foreign address. Your FlCO‘” Score is disclosed on statements when your statement is available. You may not receive a statement if you have no account activity such as no purchase transactions, fees. interest, or payments for approximately 30 days. Continued on next page DISCOVER” MOR® CARD ENDING IN 2971 Page s of s JANET M BUDERUS OPEN T0 CLOSE DATE: 02/27/2020 - 03/26/2020 DISC VER‘ mscovm® M0RE° CARD ENDINGIN 2971 CARDMEMBER SINCE 2002 Account Summary 01/27/2020-02/26/2020 Previous Balance $18,538.83 Payments and Credits +$0.00 Purchases +$0.00 Balance Transfers +$0.00 Cash Advances +$0.00 Fees Charged +$39.00 Interest Charged +$229.12 New Balance: $18,806.95 See Interest Charge Calculationsectlon followingthe Fees and Interest Charged section for detalled APR information Credit Line $18,600 Credit Line Available $0 Cash Advance Credit Line $3,310 Cash Advance Credit Line Available $0 FICO° Score 8 based on TransUnionG’ data: - As or oz/zo/zoUpdated Monthly See Key Factors that help explain your score at Discover.com orvlsit our mobile app Payment Coupon Detach at perforation above and return with check payable to Discover. Do not fold, cllp, staple or send cash. rANET M B‘UDERus P.o. Box 2330 " 522 N. CENTRAL AVE. PHOENIX Az 85002-2330 New address. email or phone? Please update 0n reverse. Payment Information New Balance Minimum Payment* Payment Due Date $13,806.95 $1,842.00 03/21/2020 * Includes past due amount of $1465.00 Late paymentwarning: Ifwe do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $39.00 and your purchase and balance transferAPRs for new transactions may be increased up to the Penalty APR of 18.49%. Minimum paymentwarning: If you make only the minimum payment each period. you will pay more in interest and it will take longerto pay offyour balance. For example: . Onlythe minimum payment 30 years lfyou would like information about credit counseling services. call us at 1-800-347-1121. Notice: See reverse side for Important information ACCOUNT NUMBER ENDING IN 2971 New Balance $18,806.95 Minimum Payment Due 51,842.00 Payment Due Date 03/21/2020 Amount Enclosed Sa . a} For a faster. easier Discovemom k 1-800-347-2683 § way to pay... See reverse" for payment cut off times. j P0 BOX 29013 PHOENIX AZ 85038-9013 DISCOVERQ MOREO CARD ENDING IN 2971 ’ANET M BUDERUS Important Information See yourCardmemberAgreement. Your CatdmemberAgreement contalns all the terms ofyourAccount. Lost or Stolen Cards. Report immediately! Call 1-800-347-2683. WhatTo Do IfYou ThinkYou Find AMistakeOn Your Statement: lfyou think there is an error on your statement, write to us at Discover, P0 Box 30421, Salt Lake City, UT 84130-0421. or submitthe form provided at https://discover.com/blllingerrornotice. You must contact uswithin 60 days after the errorappeared on your statement. You may call us, but ifyou do we are not required to investigate any potential errors. and you may have to pay the amount in question. The Billing Rights Notice further explains our rights. Please see your CardmemberAgreement orvisit https:// iscover.com/billingrig ts for a copy ofthis Notlce. Payments.You may pay all or part ofyourAccount balance at anytime. However. you must pay atleast the Minimum Payment Due by the Payment Due Date. Send only your allowable form ofpayment ("Payment') and the bottom portion ofthls statement in the envelope provided, after afxing postage. Paymentssentwithout proper postage will be returned to the sender. lfyou pay by check, you authorize us to use lnformationon your check to make an electronic fund transfer from your accountat the nancial institution indicated on yourcheck or to process the paymentas a check transaction. lfa Payment is processed as an electronic fund transfer,the transferwill be for the amount ofthe check. funds may bewithdrawn from your account as soon as the same daywe receive your check, and you will not receive your check back. Please do not send ash. Sending cash is not allowed. The processing of your allowable form of Payment may be delayed lfyou send cash or correspondence with your Payments, ifyou send the Paymentto any otheraddress, or lfyou use an envelope other than the one provided. Payments received at our processing facility by 5PM local time on any day will be credited to yourAccount as ofthat day. Paymentsreceived at our processing facilityafterSPM local time will be credited to yourAccount as ofthe nextday. lfyou have misplaced yourenvelope, send your Paymentto Discover. P0 Box 6103, Carol Stream, IL 60197-6103. Please allow 7-10 days fordelivery. If your Paymentis returned unpaid,we reserve the right to resubmit it as an electronic debit. Payments made onllne or by phone wlll be credited as ofthe day of receipt ifmade by 5PM ET. You can also make a Payment or set up automatic payments by calling 1-800-347- 2633. Automatic payments for the billing period shown on yourstatementwlll be deducted on the Payment Due Date shown on that statement, or the nextautomatic payment date referred to on your statement, unless you request a recurring payment date that occurs before your Payment Due Date. lfyour scheduled paymentdate falls on a weekend or bank holiday. your payment will be processed the business day priorto theweekend orbank holiday. In orderto schedule monthl payments by telephone.you will need this statementand your bank account in ormation. Youwill be asked to provide the last four(lr) digits ofthe social security number ofthe grlmary borrower as your electronic signature. BJ providingthose numbers, you will e agreeingto this authorizationto allow us an yourbank to deduct each payment you authorize, in the amount selected by you, from your bank account. You also authorize us to initiate debit or credit entries to your bank account. as applicable. to correct an error in the processing ofsuch payment. You can cancel a scheduled payment by phone at 1-800-347-2683 or by mail at Discover, P0 Box 30421, Salt Lake City, UT84130-0421; paymentcancellations must be received before 5 PM ET ofthe scheduled withdrawal date. Payments from Cashback Bonus cannot be modied or cancelled after beingmade or scheduled. lfyour payments may vary ln amount. we will tell you on each monthly billing statementwhen your paymentwill be made and how much it will be. You must ensure that sufficientfunds are availablein your bank account, and all transactions must comply with U.S. law. You can set up automatic payments for: G) statement New Balance, (ii) statement Change ofAddress Page 2 of 4 OPEN T0 CLOSE DATE: 01/27/2020 - 02/26/2020 Minimum Payment Due, (iii) statement Minimum Payment Due plus a xed dollar amount.or (iv) otherdollaramount. lfyour scheduled "Other dollaramount" payment is not enough to cover the Minimum Payment Due as listed on yourmonthly billing statement.your scheduled payment for that month will be increased to cover the Minimum Payment Due. Ifthe scheduled payment ls greaterthan the Minimum Payment Due, any excess will be applied ln accordance with your Cardmember Agreement. lfyour scheduled payment is greaterthan the New Balance on your billing statement, that paymentwill be processed only for the amountofyour New Balance. Yourautomatlc paymentamount may be less than the amount indicated on the billing statement based on credits or payments after the Close Date. lfyou enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records. Amount OFull Pay OMin Pay OMin Pay+ $ OOtherAmount 5 Bank Routingti BankAccount ii Monthly on theO Payment Due Date, or D Day of the month (iNSERTDATE) Credit Reporting. Credit Reporting.We may report information'aboutyour Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected In your credit report. We normally report the status and payment history of yourAccount to credit reporting agencies each month. lfyou believe that our report is inaccurate or incomplete, please write us at this address: Discover. P0 Box 30939, Salt Lake City, UT 84130-0939. Please include your name, address, home telephone number and Account number. Paying lntere. Yourdue date is at least 25 days aerthe close of each billing period (at least 23 days for billing periods that begin in February).Wewil| notcharge you any Intereston Purchases lfyou pay yourentlre balance bythe due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Date or the first day ofthe billing period in which the transaction posted to yourAccount. HowWe Calculate lnterat Charges.We Use the Daily BalanceMethod (including cu rrent transactions) to calculate the Balance Subject to interest Rate. For more information, please call us at 1-800-347'2683. Balance SubjectTo Interest Rate.Your statement shows a Balance Subject to interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rate is the average ofthe daily balances during the billing period. Credit Balances. lfyourAccount has a credit balance, the amountis shown on the front ofyour billing statement. A credit balance is money that is owed to you. You may make charges against this amount ifyour Account is open. We will send you a refund of any remainingbalance of$t.oo or more after6 months, or as otherwise required by applicable law. or upon request made to the address in the Contact Us section on page 3 of your billing statement. BalanceTransfers. Balance Transfers are offered at ourdiscretlon and accrue interest at the standard purchase rate unlesswe tell you otherwlse. Discover may monitorand/or record telephone calls between you and Discover representatives for quality assurance purposes. Send inquiries to Discover, P0 Box 30943, Salt Lake City, UT 841 30 The Discover° card is issued by Discover Bank, Member FDIC. TL23-27N.1219 ifcorrect on front, do not use. To make changes to your address, email ortelephone number, please print clearly in blue or black ink, in the space provided or visit Discover.com. StreetAddress Home Phone Work Phone City Email Stale. Zip Disc VER ONLINE i PHONE PAYMENTS pagan”Discover.comor g 1-800-347-2683 Discover mscovm° M01350 CAanDINGIN2971 download our app _ TDD 1.800-347-7449 Z Po Box 6103 open To cmss DATE: 01/27/2020 - 02/26/2020 g Carol Stream lL60197-6103 Transactions CashbackBonus® Rewards noAcnvm son nusmums Pinion Anniversary Month October PREVIOUS BALANCE $6.67 Fees a n d Interest C h arged EARNED TNIs PERIOD +$o.oo FEES FORms PERIOD AMOUNT REDEEMED THIS PERIOD -so.oo LATE FEE $39.00 TOTAL FEES FOR nus PERIOD $39.00 8°qu 53W“ 55-57 INTEREST CHARGED FOR THIS PERIOD AMOUNT INTEREST CHARGE 0N PURCHASES $229.12 INTEREST CHARGE 0N CASH ADVANCES $0.00 INTEREST CHARGE 0N BALANCE TRANSFERS $0.00 TOTAL INIEREST FOR nus PERIOD $229.12 zozo toms YEAR-To-DATE CHARGED AMOUNT TOTAL FEES CHARGED IN 2020 $78.00 TOTAL INTEREST CHARGED IN 2o2o $455.01 Interest Charge Calculation YourAnnuaI Percentage Rate (APR) is the annuaI interest rate 0n your account. CURRENT BILLING PERIOD: 31 DAYS PROMO BALANCE susIECT INTEREST TYPE OF BALANCE APR' APR EXPIRES" T0 INTEREST RATE CHARGE Purchases 02/04/2016 and after 13.49% V N/A $465.35 $5.32 02/03/2016 and prlor 14.49% V N/A $1 0,684.96 $131.49 Explred PromotIDnaI Purchases Promotional Purchases 14.49% V N/A $7.499J S $92.31 Cash Advances 25.49% V N/A $0.00 $0.00 V = VARIABLE RATE ' lfyour account Is currently enrolled in a special program or is placed into one during the term ofthe offer. you will receive the benetofthe lower ratewhile the special program is in effect. This includes. ifappiicable. any lower rates as authorized under the ServicemembersCivil ReliefAct. "' This is the date your promotional rate expires and the remaining balancewill be moved to your standard APR disclosed when you accepted the offer. Please note: Changingyour payment due date may change your Promo APR Expiration Date. *** For more information, please call us at 1-800-347-2683. Continued on next page DISCOVER“ MORE“ CARD ENDING IN 2971 Page I; of 4 JANET M BUDERus OPEN To CLose DATE: 01/27/2020 - 02/26/2020 mformation ForYou FICOO Credit Score Terms Your FICO° Credit Score. key factors, and other credit information use the FICOQ Score 8 model. They are based on data from TransUnion" and may be different from other credit scores and other credit information provided by different bureaus. This Information is intended for and only provided to Primary account holders who have an available score. Your score, key factors and other credit Information are available on Discovemom and cardmembers are also provided a score on statements. Customers will see up to a year of recent scores online. Discoverand other lenders may use different inputs, such as FICOQ Credit Scores, other credit scores and more information in credit decisions. This benet may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries. if you prefer not to receive your FICOQ Credit Score lust call us at 1-800-DlSCOVER (1-800-347-2683). Please give us two billing cycles to process your request. Discover Financial Services and Fair lsaac are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act. Discover Financial Services and Fair Isaac do not provide 'credit repair" services or assistance regarding 'rebuilding" or "improving" your credit record, credit history or credit rating. Availability of FICOO Credit Score As an active cardmember. you may see your FICO° Credit Score on your monthly statement or online. Reasons why you may not see your FlCO° Credit Score include: if you opt out; if you have key Information that is mismatched or missing. as one example, an address change that has not been updated with Discover or TransUnionQ; lfyour credit history Is too new; ifyour account status is abandoned, bankrupt. fraud. lost or stolen. closed, revoked. or charged off; if you have a foreign address. Your FICO° Score is disclosed on statements when your statement is available. You may not receive a statement if you have no account activity such as no purchase transactions, fees. interest. or payments for approximately 30 days. DISC VER Discover° More” Card Account number ending in 2971 Open Date: Dec 27, 201 9- Close Daie: Jun 26, 2020 Curdmember Since 2002 Page 1 of 6 r . 0 ‘ Prevmus Balance $1 8,273.94 New Balance $1 8,538.83 Payments and Credits : $0.00 Minimum Payment Due . 51,465.00 Enid-lose; sf + :333 paymem Due Duh February 2] , 2020a ance ran ers , . | I : .Cash Advances + $0.00 nc udes past due amount of $1094 00 Fees Charged + $39-00 late Payment Warning: If we do not receive your minimum payment by the Interest Charged + $225.89 date listed above, you may have to pay a late fee of up to $39.00 and your purchase and balance transfer APRs for new transactions may be increased up toNew Balance $1 8,538.83 the Penalty APR of 18.49%. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your See Interest Charge Calculation section following the Transactions section for detailed APR information Credit Line $1 8,600 bolance- For example' Credit Line Available $61 _' ' a ‘ :ilg‘ii-brg V bwwggy‘é [3% Cash Advance Credit Line $3,310 t u 39K, 315%,! '- a! _ ”#2 Cash Advance Credit Line Available $61 Only the minimum payment 3O years $43,259 You may be able to avoid interest on Purchases. If you would like information about credit counseling services, call 1-800-347-1 121 . See reverse for details. J Kf FICO REWARDS‘ Anniversary Montho- Cashback Bonus Odober 0 . Opening Balance $ 6.67Y°°r F'CO 09d" 5cm °" ”20/20 New cashbuck Bonus This Period + s 0.00”MM" Redeemed This Period - s 0.00 Urack recent scores on the FICO page in this statement J cashback Bonus Balance s 6.67 To learn more, log in at Discovemom Make Check payable to Discover. Do Not Send Cash. Please fold on the perforation below, detach and return with your payment. [ Payment Coupon 9 Pay Online e Pay by Phone JPlease do not told, clip or staple. Discover.com 1-800-347-2683 NOTICE: SEE REVERSE SIDE FOR IMPORI’ANT INFORMATION JANET M BUDERUS I ‘1‘750 47TH AVE SPC 1 1 CAPITOLA CA 95010-31 36 PO BOX 2901 3 PHOENIX AZ 85038-901 3 Phone and Internet payments must be received by 5PM ET to be credited as ofthe some day. Address, e-mail or telephone changed? Note changes on reverse side. JANET M BUDERUS Account number ending in 2971 Important Information See your Cordmember Agreement. Your Curdmernber Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately! Call 1-800-347-2683. What o Do If You Think You Find A Mistake Qn Your Statement: If yout ink there is an error on your statement, write to us at Discover, PO Box 30421 , Salt Lake City, UT 841 30-0421 , or submit the form provided at https://discover.com/billingerrornotice. You must contact us within 60 days after the error appeared on your statement. You may call us, but if you do we ore not required to investigate any potential errors, and you may have to pa the amount in question. he Billing Rights Notice further explains your rig ts. Please see your Cardmember Agreement or visit https://discover.com/billingrights for a copy of this Notice. Payments. You may pay all or part of your Account balance at on time. However, you must pay at least the Minimum Payment Due by the ayment Due Date. Send only your allowable form of payment 'Payment") and thebottom portion of this statement In the envelope p_rovn ed, after atxnng postage. Payments sent without proper postage wull be returned to thesender. If you pay by check, ou au horlze us to use Information on our _check to make an electronic und transfer from your account at the nancral institution indicated on your check or to process the pa ment as a check transaction. If a Payment is processed as an electronic und transfer, thetransfer Will be for he amount of the check, funds may be Withdrawn from your account as soon as the same day we receive your check, and you Will not receive your check back. Please do not send cash. Sending cash is not allowed. The processing of your allowable form of Payment may be delayed if you send cash or correspondence with your Payments, if you send the Payment to any other address or if you use ah envelope other than the one prowded. Pa ments received at our processmg faCility by 5PM local time on an day WI be _ credited to your Account as of that day..P ments receive at our rocessmg faCIli after 5PM local time will be credite to your Account as of e next d . f you hove misplaced your enveltye send our Payment to Discover,PgBox 6103, Carol Stream, |L 601 9 -6l03. P ease al ow 7-10 days for delivery. If your Pa ment is returned unpaid .we reserve the right to resubmit it as on elgctronic e_bit.. Payments made online or by phone Will be credited as of the ay f receipt if made by 5PM ET. You can also make a Payment or set up automatic. payments by calling1-800-347-2683. Automatic payments for the billing period shown on your statement will be deducted on the Payment Due Date shown on that statement, or the next automatic payment date referred to on your statement, unless you request a recurring payment date that occurs before your Payment Due Date. If your scheduled payment date falls on a weekend or bank holiday, your pa ment will be processed the busmess day prior to the weekend or bank holiday. in order to schedule monthly payments by I telephone, you wrll need this statement and ourbank account information.You will asked to provide the lost four (4ldigit's of the social security_number of the primary borrower as your electronic 5i nature. By prowding those numbers, you Will be agreeing to this authoriza ion to allow us an your bank to deduct each payment you authorize, in the amount selected b you, from your bank account. You also authorize us to initiate debit or cre it entries to your bank account, as applicable, to correct an error in the processin of such ayment. You can cancel a scheduled pa ment by phone at 1800347468; or by mail at Discover, PO Box 3042i , alt Lake Ci ,UT 841 30-0421_; payment cancellations must be received before 5 PM E ofthe scheduled withdrawal date. lf your payments may vary in amount, we will tell you on each monthl billing statement when (our payment Will be made and how much it Will be. ou must ensure tha s faent funds are available in your bank account, and all transactions must comply With U.S. law. CHANGE OF ADDRESS Open Date: Dec 27, 201 9 - Close Date: Jan 26, 2020 Page 2 of 6 You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a xed dollar amount, or (iv) other dollar amount. If your scheduled "Other dollar amount" payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. if the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. If your scheduled payment is reater than the New Balance on your billing statement, that payment wi b processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the billing statement based on credits or payments after the Close Date. If you enroll by phone in our automatic payment service, please till-in the to lowing blanks below and retain the authorization tor your records. Amount: U Full Pay DMin Pay DMin Pay+ $ ; D Other Amounts ; Bank Routing #: ; Bank Account # i Monthly on the U Payment Due Date U Day of month (insert date) Credit Reporting.We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at this address: Discover, PO Box 1531 6,Wilmington, DE 19850-531 6. Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billin periods that begin in February). We will not charge you any interest on Purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Date or the first day of the billing period in which the transaction posted to your Account. HowWe Calculate Interest Charges. We Use the Dai Balance Method (including current transactions) to calculate the Balance ubiect to Interest Rate. For more information, please call us at 1-800-347-2683. Balance Sub'ect to Inter st ate. Your statement shows a Balance Subjectto Interest Ra e. It showst is or each transa ion ca‘egory. The B’l‘are.Subject to Interest Rate is the average of the aily b ances during t i ling perio . Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billin statement. A credit balance is money that is owed to you. You may make c arges against this amount if our Account is open. We will send you a refund of any remainin balance o $1 .00 or more after 6 months, or as ot erwise require y app icable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Balance Transfers. Balance Transfers are offered at our iscretion andaccrue interest at the standard purchase rate un ess we tel you otherWIse. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® card is issued by Discover Bank, Member FDIC. TL23-26N.02|8 N If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Street Address Home Phone Work Phone City Email I State, Zip L J To make changes to your address, email or telephone number, visit Discover.com Continued on next page Dlcs VER' Discover” More° Card Accouni number ending in 297] Open Date: Dec 27, 201 9 - Close Date: Jun 26, 2020 Page 3 of 6 Web 4,5 Mobile Phone Inquiry Mail Payments Access your Q Manage your 1-800-DISCOVER Discover Discover account securely account anytime, (1 ~800-347-2683) PO Box 30943 PO Box 6103 at Discover.com anywhere at TDD 1-800-347-7449 Salt Lake City Carol Stream m.Discover.com UT 841 30 lL 601 97-61 O3 Transactions Trans. Date Post Date Fees Jan 2'l Jan 21 LATE FEE 39.00 TOTAL FEES FOR THIS PERIOD 39.00 Interest Charged INTEREST CHARGE ON PURCHASES 225.89 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 225.89 2020 Totals Year-to-Date TOTAL FEES CHARGED IN 2020 39.00 TOTAL INTEREST CHARGED IN 2020 225.89 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 31 days TYPE OF BALANCE Purchases 02/04/201 6 and after 02/03/2016 and prior Expired Promotional Purchases Promotional Purchases Cash Advances V=Variable Rate ANNUAL PERCENTAGE an: (Ark). 13.49% V 14.49% V 14.49% V 25.49% V PROMO APR EXPIRATION DATE“ N/A N/A N/A N/A BALANCE SUBJECT TO INTEREST RATE $421 .30 $1 0,554.29 $7,407.41 $0.00 INTEREST CHARGE $4.81 $1 29.89 $91 .1 9 $0.00 while the special program is in effect. This includes, if applicable, any lower rates as authorized under the Servicemembers Civil Relief Act." This is the date your promotional rate expires and the remaining balance will be moved to your standard APR disclosed when you accepted the offer. Please note: Changing your payment due date may change your Promo APR Expiration Date. ‘“ For more information, please call us at 1-800-347-2683. If your account is currently enrolled in a special program or is placed into one during the term of the offer, you will receive the benet of the lower rate NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION JANET M BUDERUS Account number ending in 2971 Open Date: Dec 27, 201 9 - Close Date: Jun 26, 2020 Page 4 of 6 Information For You FICO° Credit Score Terms Your FICO° Credii Score, key fadors, and other credit information use the FICO” Score 8 model. They ore based on data from TronsUnion° and may be different from other credit scores and other credit information provided by different bureaus. This information is intended for and only provided to Primary account holders who have an available score. Your score, key factors and other credit information are available on Discover.com and cardmembers are also provided a score on statements. Customers will see up to a year of recent scores online. Discover and other lenders may use different inputs, such as FlCO° Credit Scores, other credit scores and more information in credit decisions. This benet may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries. If you prefer not to receive your FICOO Credit Score just call us at l-800-DISCOVER (i -800-347-2683). Please give us two billing cycles to process your request. Discover Financial Services and Fair Isaac are not credit repair organizations as dened under federal or state law, including the Credit Repair Organizations Act. Discover Financial Services and Fair lsoac do not provide “credit repair' services or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. Availability of FICO° Credit Score As an active cardmember, you may see your FICO° Credit Score on your monthly statement or online. Reasons why you may not see your FICO° Credit Score include: if you opt out; if you have key information that is mismatched or missing, as one example, an address change that has not been updated with Discover or TransUnion”; if your credit history is too new; if your account status is abandoned, bankrupt, fraud, lost or stolen, closed, revoked, or charged off; if you have a foreign address. Your FICO° Score is disclosed on statements when your statement is available. You may not receive o statement if you have no account activity such as no purchase transactions, fees, interest, or payments for approximately 30 days. DISC VER Discover° More” Card Account number ending in 2971 Open Date: Dec 27, 2019- Close Duie: Jan 26, 2020 Cardmember Since 2002 Page 5 of 6 W Your FICO® Credit Score History Exceptional 800 - 850 Very Good 740-799 Good 670-739 Fair 580-669 Poor 800 - 579 02/19 03/19 04/19 05/19 06/19 07/19 08/19 09/19 10/19 11/19 12/19 01/20 Important Information: - We may not always receive a score for you each month, so there may be months with no scores. - For questions on the availability of your score go to the "Information For You' section of this statement. This chart will be shown in every Jan, Apr, Jul and Oct statement when you have up to 12 months of scores. Log in to Discover.com/FICO any time to see key factors that help explain your scores. FlCOoCredit Scores consider the following for the general population: 35% PaymentHistory ----- -- ~ -- -- - 30% Amounts Owed 10% New Credit . 10%CreditMix ------- 15% Length ofCredit See FICO° Credit Score Terms on the ‘lnformation For You' section of this statement 201 7 Discover Bank, Member FDIC CODE_SUM_01 19 x J JANET M BUDERUS Account number ending in 2971 Open Date: Dec 27, 201 9 - Close Date: Jan 26, 2020 Page 6 of 6 DISC®VER ACCOUNT SUMMARY Discover” More” Co rd Account number ending in 2971 Open Date: Nov 27, 201 9- Close Date: Dec 26, 201 9 Cardmember Since 2002 Page 1 of4 See Interest Charge Calculation section following the Transadions sedion for detailed APR information FICO. Your FICO° Credit Score on 12/20/1 Jrack recenl FICO° Scores on our mobile app or online NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Credit Line $1 8,600 Credii Line Available $326 Cash Advance CrediI Line $3,310 Cash Advance Credit Line Available $326 You may be able to avoid interest on Purchases. See reverse for details.k J W 9 PAYMENT INFORMATION r (Previous Balance $18,019.41 W New Balance $1 8,273.94 W Payments and Credits : $0.00 Minimum paymem Due t $1 [094.00PurChases so'oo Payment Due Date January 21 , 2020Balance TranSfers + so'oo ‘ Includes ast due amount of' $728 00Cash Advances + $0.00 P i I Fees Churged + $39-00 Late Payment Warning: If we do not receive your minimum payment by the Interest Charged + $21 5.53 date listed above, you may have to pay a late fee of up to $39.00 and your New Balance s 1 81273.94 purchase and balance transfer APRs for new transactlons may be 1ncreased up to J the Penalty APR of 18.49%. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: 12 iiié'c ’- s43,1 6130 years I as; z . Only the mInImum payment If you would like information about credit counseling services, call 1-800-347-1 121 J REWARDS Cashback Bonus” Annwe'saryoxzgm Opening Balance $ 6.67 New Cashback Bonus This Period + $ 0.00 Redeemed This Period - $ 0.00 Cashback Bonus Balance $ 6.67 To learn more, log in at Discover.com Make Check payable to Discover. Do Not Send Cash. Please fold on the perforation below, detach and return with your payment. Payment Coupon Please do not told, clip or staple. ' _ Discover.corn Pay Online O Pay by Phone JI-800-347-2683 JANET M BUDERUS 750 47TH AVE SPC 1 1 CAPITOLA CA 9501 0-31 36 Phone and Internet payments must be received by 5PM ET to be credited as otthe some day. Address, e-mail or telephone changed? Note changes on reverse side. PO BOX 2901 3 PHOENIX AZ 85038-901 3 JANET M BUDERUS Account number ending in 2971 lmporlam lnlormulion See your CardmamberAgreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately] Call 1-800-347-2683. What o Do If You Think You Find A Mistake Qn Your Statoment: lf you t ink there is an error on your statement, wnte to us at Discover, PO Box 30421 , Salt Lake City, UT 841 30-0421 , or submit the form provided at https://discover.com/billingerrornotice. You must contact us within 60 days after the error appeared on your statement. You may call us, but if you do we are not required to investigate any potential errors, and you may have to pa the amount in question. The Billing Rights Notice further explains your rig ts. Please see your Cardmember Agreement or visit https://discover.com/billingrights for a copy of this Notice. Payments. You may pay all or part of your Account balance at an time. However, you must pay at least the Minimum Payment Due by the aymentDue Date. S_end only your allowable form of payment Payment“) and thebottom portion of this statement In the envelope provr ed, after affixmg postage. Payments sent wr'hout proper postage wull be returned to thesender. If you pay by check, ou au horlze us to use Information on our _ check to make an electron-c und transfer from your account at the InanCIal institution Indlcated on your check or to process the pa ment as a check transaction. lf a Payhment is processed as an electronic und transfer, thetransfer wrll be for e amount of the check, funds may be wrt rawn rorn your account as soon as the same day we receive your check, and you wrll not receive your check back. Please do I‘Lot send cash. Sending cash is not allowed. The processing of your allowa le form of Payment may_be delayed tf you send cash or correspondence with your Payments, If you send the Payment to any otheraddress or if you use a_n envelope other than the one provrded. Pa mentsreceived at our processing factlnty by 5PM local time on an day w: be . credited to your Account as of that d y.. P ments receive at our rocesslngfoctlt after 5PM local time wrll be credlte to your Account as of e next dg. fyou hove misplaced your envelo e, sen our Pa ment to Discover,P Box 6103, Carol Stream, lL 601 9 -6103. ease a ow 7-10 days for delivery. If your Pagment is returned unpaid .we reserve the right to resubmit it as on electronic ebit. Payments made onllne or by phone wull be credited as of the day of receipt It made by 5PM ET. You can also make a Payment or set up automaticpayments by calling1-800-347-2683. Automatic payments for the billing period shown on your statement will be deducted on the Payment Due Date shown on that statement, or the next automatic payment date referred to on your statement,unless you request a recurring payment date that occurs before your Payment Due Date. If your scheduled payment date falls on a weekend or bank holiday,dyour pa ment Will be processed the busmess day prior to the weeken r ban .holidgy. [n order to schedule monthly payments by ' telephone, you Will nee this statement and ourbank account information.You will be asked to prowde the lost four (4ydigit's of the soctal security.number of the primary borrower gs your electronic st nature. By prowding those numbers, you wtll be agreeing to this authoriga ion to allow us and your bank to deduct each payment you authorize, in the amount selected b you, from your bank account. You also authorize us to initiate debit or cre itentries to your bank account, as applicable, to correct an error in the processin of such gayment. You can cancel a scheduled pa ment by phoneat 1-800- 47-268 or by mail at Discover, PO Box 30421, alt Lake City,UT 841 30-0421" payment cancellations must be received before 5 PM E ofthe scheduled Withdrawal date. If your payments may vary in amount, we will tell you on each monthly billing statement when yourpayment Will be made and how much it Will be. oumust ensure tha s ffICIent funds are available in your bank account, and alltransactions mustcomply Wit U.S. aw. CHANGE OF ADDRESS Open Date: Nov 27, 201 9 - Close Date: Dec 26, 201 9 Page 2 of 4 You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) other dollar amount. If your scheduled "Other dollar amount" payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. lf your scheduled payment is reater than the New Balance on your billing statement, that payment wi be processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the billing statement based on credits or payments after the Close Date. If ou enroll by phone in our automatic payment service, please fill-in the to lowing blanks below and retain the authorization for your records. Amount: D Full Pay UMin Pay UMin Pay+ $ ,- D Other Amount$ Bank Account # , ; Bank Routing #: ; Monthly on the D Payment Due Date D Day of month (insert date) Credit Reporting. We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. lf you believe that our report is inaccurate or incomplete, please write us at this address: Discover, PO Box 1531 6,Wilmin9ton, DE 19850-5316. Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billin periods that begin in February). We Will not charge you any interest on Purclgases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Date or the rst day of the billing period in which the transaction posted to your Account. HowWe Calculate Interest Charges. We Use the Dail Balance Method gnduding current transactions) to calculate the Balance ubiect to lnterest ate. For more information, please call us at 1-800-347-2683. Balance Sub‘ect to Interest Rate. our statement shows a Bellance Subiectto Interest Ra e. lt shows this for eac tragsaation caegory. T .e BallarLc'T.Subject to Interest Rate is the average oft e aily ba ances during t e i ling perio . Credit Balances. lf your Account has o credit balance, the amount is shown on the front of your billin statement. A credit balance is money that is owed to you. You may make c arges against this amount if our Account is open. We will send you a refund of any remainin balance o¥$l .00 or more after 6 months, or as otherwise required by app icable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Balance Transfers. Balance Transfers are offered at our discretion andaccrue Interest at the standard purchase rate unless we tell you otherWIse. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® card is issued by Discover Bank, Member FDIC. TL23-26N.02t8 W N If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Street Address ‘Home Phone Work Phone Ciiy Email State, Zip j To make changes to your address, email or telephone number, visit Discover.com Continued on next page DI-sc VER' Discover” More° Card Accouni number ending in 2971 Open Date: Nov 27, 201 9 - Close Date: Dec 26, 201 9 Page 3 of 4 Web e: Mobile Phone Inquiry Mail Paymenis Access your B Manage your moo-DISCOVER Discover Discover account securely account anytime, (l -800-347-2683) PO Box 30943 PO Box 61 03 at Discover.com anywhere at TDD 1-800-347-7449 Salt Lake City Carol Stream m.Discover.com UT 84130 IL 601 97-61 03 Transactions Trans. Date Post Date Fees Dec 21 Dec 21 [ATE FEE $ 39.00 TOTAL FEES FOR THIS PERIOD 39.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 21 5.53 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 21 5.53 201 9 Totals Year-fo-Date TOTAL FEES CHARGED IN 2019 s 145.00 $ TOTAL INTEREST CHARGED IN 201 9 2,586.86 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 30 days ANNUAL PERCENTAGE PROMO APR BALANCE SUBJECT TO INTEREST TYPE OF BALANCE RATE (APR)‘ EXPIRATION DATE” INTEREST RATE CHARGE Purchases 02/04/201 6 and after 13.49% V N/A $377.81 $4.18 02/03/2016 and prior 14.49% V N/A $10,427.29 $124.18 Expired Promotional Purchases Promotional Purchases 14.49% V N/A $7,318.27 $87.1 7 Cash Advances 25.49% V N/A $0.00 $0.00 V=Variable Rate 0 If your account is currently enrolled in a special program or is placed into one during the term of the offer, you will receive the benet of the lower rate while the special program is in effect. This includes, if applicable, any lower rates as authorized under the Servicemembers Civil Relief Act." This is the date your promotional rate expires and the remaining balance will be moved to your standard APR disclosed when you accepted the offer. Please note: Changing your payment due date may change your Promo APR Expiration Date. ”‘ For more information, please call us at 1-800-347-2683. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION JANET M BUDERUS Account number ending in 297] Open Date: Nov 27, 20] 9 - Close Date: Dec 26, 201 9 Page 4 of 4 Information For You FICO° Credit Score Terms Your FICO° Credit Score, key factors, and other credit information use the FICO° Score 8 model. They are based on data from TransUnion° and may be different from other credit scores and other credit information provided by different bureaus. This information is intended for and only provided to Primary account holders who have an available score. Your score, key factors and other credit information are available on Discover.com and cardmembers are also provided a score on statements. Customers will see up to o year of recent scores online. Discover and other lenders may use different inputs, such as FICO° Credit Scores, other credit scores and more information in credit decisions. This benet may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries. If you prefer not to receive your FICO“ Credit Score iust call us at t-BOO-DISCOVER (l -800-347-2683). Please give us two billing cycles to process your request. Discover Financial Services and Fair Isaac are not credit repair organizations as dened under federal or state law, including the Credit Repair Organizations Act. Discover Financial Services and Fair Isaac do not provide 'credit repair" services or assistance regarding "rebuilding" or “improving" your credit record, credit history or credit rating. Availability of FICO° Credit Score As an active cardmember, you may see your FICO° Credit Score on your monthly statement or online. Reasons why you may not see your FICO° Credit Score include: if you opt out; ifyou have key information that is mismatched or missing, as one example, an address change that has not been updated with Discover or TransUnion”; if your credit history is too new; if your account status is abandoned, bankrupt, fraud, last or stolen, closed, revoked, or charged off; if you have a foreign address. Your FICO° Score is disclosed on statements when your statement is available. You may not receive a statement if you have no account activity such as no purchase transactions, fees, interest, or payments for approximately 30 days. DISC VER’ Discover” More” Card Accouni number ending in 2971 Open Date: Oct 27, 2019- Close Date: Nov 26, 201 9 Cordmember Since 2002 Page 1 of 4 W W rPrevious Balance $1 8,31 7.43 { New Balance $1 8,01 9.41Payments and Credits ' $562.00 Minimum Paymem Due u $728.00+Purchases so'oo Payment Due Date December 21 , 201 9Balance Traners + so'oo ‘ Includes 051 due amouni of' $367 00Cash Advances + $0.00 p I ' Fees Charged + $39-00 Late Payment Warning: If we do no! receive your minimum payment by the Interest Charged + $224.98 date listed above, you may have to pay a late fee of up to $39.00 and your purchase and balance transfer APRs for new transactions may be increased up toNew Balance $1 8,01 9.41 See Interest Charge Calculation section following the Transactions section for detailed APR information Credit Line $1 9,] 00 Credit Line Available $1 .080 Cash Advance Credit Line $3,400 Cash Advance Credit Line Available $1 ,080 You may be able to avoid interest on Purchases. r kSee reverse for details. FICO. HWSmMehr Q'rack recent FICO” Scores on our mobile app or online NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Your FICO° Credit Score on I 1/20/19 J L the Penalty APR of 18.49%. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you would like information about credit counseling services, call 1-800-347-1 'l2l .J REWARDS Cashback Bonus° Annivemwogggl; Opening Balance 5 6.67 New Cashback Bonus This Period + $ 0.00 Redeemed This Period - $ 0.00 Cashback Bonus Balance $ 6.67 To learn more, log in at Discover.com Make Check payable to Discover. Do Not Send Cash. Please fold on the perforatlen below, detach and return with your payment. Discover.com[ Payment Coupon 9 Pay OnlinePlease do not fold, clip or staple. G Pay by Phone ]1-800-347-2683 JANET M BUDERUS 750 47TH AVE SPC i I CAPITOLA CA 9501 0-3l 36 Phone and Internet payments must be received by 5PM ET to be credited as ofthe same day. Address, e-mail or telephone changed? Note changes on reverse side. PO BOX 2901 3 PHOENIX AZ 85038-901 3 JANET M BUDERUS Account number ending in 2971 Important Information See your CardmemberAgreemeni. Your Cardmember Agreement contains all the terms of your Account. lost or stolen cards. Report immediately! Call 1-800-347-2683. What o o If You ThinkYou Find A Mistake Qn Your Statement: If you t in there is an error on your statement, erte to us at Discover, PO Box 30421 , Salt Lake City, UT 841 30-0421 , or submit the form provided at https://discover.com/billingerrornotice. You must contact us within 60 days after the error appeared on your statement. You may call us, but if you do we are not required to investigate any potential errors, and you may have to pa the amount in question. The Billing Rights Notice further explains your rig ts. Please see your Cardmember Agreement or visit https://discover.com/billingrights for a copy of this Notice. Payments. You may pay all or part of your Account balance at anytime.-towever, you must pay at least the Minimum Payment Due by the ayment Due Date. Send only your allowable form of paymenté'Payment“) and the aottom portion of this statement In the envelope prov: ed, after afxmg postage. Payments sent Without proper postage wrll be returned to the sender. If you pay by check, ou authorize us to use Information ongour _check to make an electronic und transfer from your account at the mancral institution Indicated on your check or to process the payment as a check transaction. If a Pa merit is processed as an electronic und transfer, the transfer wnll be for lhe amount of the check, funds may be Withdrawn from your account as soon as the same day we receive your check, and you Will not receive your check back. Please do not send cash. Sending cash i not allowed. The processing of your allowable form of Payment may be elayed if you send cash or correspondence with your Payments, if you send the Payment to any otheraddress or if you use an envelope other than the one prowded. Pa mentsreceived at our processing faCIlity by 5PM local time on an day Wil be . credited to your Account as of that day._ Pa ments receive at our rocessung facili?’ after 5PM local time Will be credite to your Account as of .e next dg. fyou hove mis laced your envelgpe send our Payment to Discover, P Box 6103, Caro Stream, |L 6019 -6l03. Pease al ow 7-l 0 days for delivery. If your Payment is returned unpaid _we reserve the right to resubmit it as on electronic debit. Payments made on irie or by phone will be credited as of the day of receipt if made by 5PM ET. You can also make a Payment or set up automatic payments by calling 1-800-347-2683. Automatic payments for the billing period shown on your statement Will be deducted on the Payment Due Date shown on that statement, or the next automatic payment date referred to on your statement, unless you request a recurring payment date that occurs before your Payment Due Date. If your scheduled payment date falls on a weekend or ban holidayayour p merit will be processed the business day prior to the weeken r ban _ holiday. ln order to schedule monthly payments by ‘ telephone, you Will need this statement and our. bank account information.You wi e asked to provide the lost four (4i1digits of the soaal security. number of the primary borrower as your electronic signature. By prowding those numbers, you Will be agreeing to this auhoriza ion to allow us and your bank to deduct each payment you author'ze, in the amount selected b you, rorn your an account. You a so aut or ze us to initiate debit or cre it entries to your bank account, as applicable, to carted an error in the processingof such gayment. You can cancel a scheduled pa ment by phoneat 1-800- 47-268 or by mail at Discover, PO Box 3942i, alt Lake Ci ,UT 84] 30-0421; payment cancellations must be received before 5 PM E ofthe scheduled Withdrawal date. If your payments may vary in amount, we will tell you on each monthly billing statement whenyourpayment Will be mede and how much it Will be. ou must ensure tha s thcuent funds are available in your bank account, and all transactions must comply Wit U.$. law. CHANGE OF ADDRESS Open Date: Oct 27, 201 9 - Close Date: Nov 26, 201 9 Page 2 of 4 You can set automatic payments for: (i) statement New Balance, (ii) statementMinimum Payment Due, (iii) statement Minimum Payment Due plus a xed dollar amount, or (iv) other dollar amount. lf your scheduled "Other dollar amount" payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. lt the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. If your scheduled payment is ereater than the New Balance on your billing statement, that payment wil be processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the billing statement based on credits or payments after the Close Date. If ou enroll by phone in our automatic payment service, please ll-in the to lowing blanks below and retain the authorization for your records. Amount: D Full Pay DMin Pay D Min Pay+ $ ,- U Other Amount$ ; Bank Routing #2 ; Bank Account # ; Monthly on the U Payment Due Date D Day of month (insert date) Credit Reporting.We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at this address: Discover, PO Box 15316,Wilmington, DE 19850-531 6. Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billin periods that begin in February). We will not charge you any interest on Purc ases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Date or the rst day of the billing period in whidt the transaction posted to your Account. HowWe Calculate Interest Charges. We Use the Dail Balance Method gncluding current transactions) to calculate the Balance ubiect to Interest ate. For more information, please call us at l-800-347-2683. Balance Sub)” to Interest Rate. Your statement shows a Balance Subjectto Interest Ra e. It shows this for each transagtion category. The Ba ance ubie to Interest Rate is e average of the aily balances during the billing perio . Credit Balances. It your Account has a credit balance, the amount is shown on the front of your billin statement. A credit balance is money that is owed to you. You may make c arges against this amount if our Account is open. We will send you a refund of any remainin balance o $1 .00 or more after 6 months, or as otherwise required by app icable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Balance Transfers. Balance Transfers are offered at our discretion andaccrue Interest at the standard purchase rate unless we tell you otherwise. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® card is issued by Discover Bank, Member FDIC. TL23-26Nmia K \ lf correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Street Address Home Phone Work Phone City Email State, Zip J To make changes to your address, email or telephone number, visit Discover.com Continued on next page DISC VER' CONTACT US Discover° More” Curd Account number ending in 2971 Open Date: Oct 27, 2019 - Close Date: Nov 26, 201 9 Page 3 of 4 Web 4:: Mobile Phone Inquiry Mail Payments Access your E} Manage your I -800-DISCOVER Discover Discover account securely account anytime, (1 -800-347-2683) PO Box 30943 PO Box 6] 03 at Discover.com anywhere at TDD 1-800-347-7449 Salt Lake City Carol Stream m.Discover.com UT 84 I 30 IL 601 97-6103 Transactions Trans. Date Post Date Payments and Credits Nov 21 Nov 21 PHONE PAYMENT - THANK YOU -362.00 Nov 22 Nov 22 INTEREST CHARGE REFUND -133.00 Nov 22 Nov 22 CONDITIONAL COURTESY CREDIT -67.00 Fees Nov 21 Nov 21 LATE FEE 39.00 TOTAL FEES FOR THIS PERIOD 39.00 Inlerest Charged INTEREST CHARGE ON PURCHASES 224.98 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 224.98 201 9 Totals Year-to-Date TOTAL FEES CHARGED IN 2019 106.00 TOTAL INTEREST CHARGED IN 2019 2,371 .33 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 31 days TYPE 0F BALANCE Purchases 02/04/201 6 and after 02/03/201 6 and prior Expired Promotional Purchases Promotional Purchases Cash Advances V=Variable Rate 0 ANNUAL PERCENTAGE PROMO APR RATE (Arkr 13.49% V 14.49% V 14.49% V 25.49% V EXPIRATION DATE" INTEREST RATE N/A $625.35 N/A $10,468.69 N/A $7,230.18 N/A $0.00 BALANCE SUBJECT TO INTEREST CHARGE $7.16 $1 28.83 $88.99 $0.00 If your account is currently enrolled in a special program or is placed into one during the term of the offer, you will receive the benet of the lower rate while the special program is in effect. This includes, if applicable, any lower rates as authorized under the Servicemembers Civil Relief Act.“ This is the date your promotional rate expires and the remaining balance will be moved to your standard APR disclosed when you accepted the offer, Please note: Changing your payment due date may change your Promo APR Expiration Date. ‘” For more information, please call us at 1-800-347-2683. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION JANET M BUDERUS - Account number ending in 2971 Open Date: Oct 27, 201 9 - Close Date: Nov 26, 201 9 Page 4 of 4 lnformaiion For You FICO° Credit Score Terms Your FICO° Credit Score, key factors, and other credit informuon use the FICO° Score 8 model. They are based on data from TrunsUnion° and may be different from other credit scores and other credit information provided by different bureaus. This information is intended for and only provided to Primary account holders who have an available score. Your score, key factors and other credit information are available on Discover.com and cardmembers are also provided a score on statements. Customers will see up to a year of recent scores online. Discover and other lenders may use different inputs, such as FICO° Credit Scores, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries. If you prefer not to receive your FlCO° Credit Score iust call us at l-800-DISCOVER (1 -800-347-2683). Please give us two billing cycles to process your request. Discover Financial Services and Fair Isaac are not credit repair organizations as dened under federal or state law, including the Credit Repair Organizations Act. Discover Financial Services and Fair lsaac do not provide 'credit repair" services or assistance regarding "rebuilding" or 'improving" your credit record, credit history or credit rating. Availability of FlCO° Credit Score As an active cardmember, you may see your FlCO° Credit Score on your monthly statement or online. Reasons why you may not see your FICO° Credit Score include: if you opt out; ifyou have key information that is mismatched or missing, as one example, an address change that has not been updated with Discover or TransUnion”; if your credit history is too new; if your account status is abandoned, bankrupt, fraud, lost or stolen, closed, revoked, or charged off; if you have a foreign address. Your FICO° Score is disclosed on statements when your statement is available. You may not receive a statement if you have no account activity such as no purchase transactions, fees, interest, or payments for approximately 3O days. DISC VER' Discover” More“ CardAccount number ending in 2971 Open Date: Sep 27, 201 9- Close Date: Oc1 26, 201 9 Cordmember Since 2002 Page 1 of 6 rPrevious Balance $13,058.91 r New Balance $1 8,31 7.43 1 Paymenis and Crediis : $0.00 Minimum Paymem Due n $729.00 :U'rhase: sf + :33: Paymeni Due Date November 21 , 201 9a once ran ers . Cash Advances + $0.00 ‘ Includes pasI due amouni of: $362.00 Fees Charged + $39-00 late Payment Warning: If we do not receive your minimum payment by the Interest Charged + $21 9.52 date listed above, you may have to pay a late fee of up to $39.00 and your purchase and balance transfer APRs for new transactions may be increased up toNew Balance $1 8,31 7.43 See Interest Charge Calculation section following the Transactions section for detailed APR information Credit Line $19,100 Credit Line Available $782 Cash Advance Credit Line $3,400 Cash Advance Credit Line Available $782 You may be able to avoid interest on Purchases. f kSee reverse for details. FICO. Wham-w 4L Your FlCO° Credit Score on 10/20/1 9 Q’rack recent scores on the FICO page in this statement Please see Notice of Changes to Your Payment Address NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION L the Penalty APR of 18.74%. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you would like information about credit counseling services, call 1-800-347-1 121 .J REWARDS Anniversa MonthCashback Bonus” ”October Opening Balance $ 6.67 New Cashback Bonus This Period + $ 0.00 Redeemed This Period - $ 0.00 Cashback Bonus Balance $ 6.67 To learn more, log in at Discover.com Make Check payable to Discover. De Net Send Cash. Please fold on the perforation below, detach and return with your payment. Payment Coupon 9 Pay OnlinePlease do not fold, clip or staple. Discover.com Pay by Phone1800-3472683 JANEr M BUDERUS g750 47TH AVE SPC l I CAPITOLA CA 9501 0-31 36 Phone and Internet payments must be received by 5PM ET to be credited as of the some day. Address, e-tnail or telephone changed? Note changes on reverse side. PO BOX 2901 3 PHOENIX AZ 85038-901 3 JANET M BUDERUS Account number ending in 2971 Important lnformulion See your CurdmamberAgreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen curds. Report immediately! Call 1-800-347-2683. What o Do It You Think You Find A Mistake 0n Your Statement: It you t ink there is an error on your statement, write to us at Discover, PO Box 30421 , Salt Lake City, UT 841 30-0421 , or submit the form provided at httpsz/ldiscover.com/bi|lingerrornotice. You must contact us within 60 days after the error appeared on your statement. You may call us, but if you do we are not required to investi ate any potential errors, and you may have to p the amount in question. e Billing Rights Notice further explains your rights. Please see your Cardrnember Agreement or visit https://discover.com/biIlingrights for a copy of this Notice. Payments. You may pay all or port of your Account balance at an time. However, you must pay at least the Minimum Payment Due by the ayment Due Date. Send only your allowable form of paymentJ'Payment") and the oottom portion of this statement In the envelope provi ed, after afxtng postage. Payments sent wrthout proper postage wrll be returned to thesender. lf you pay by check, you authorlze us to use Inforrnahon on Kour 'check to make an electronic und transfer from your account at the mancral inshtutlon Indicated on your check or to process the pa ment as a check transaction. If a Pa ment Is processed as an electronic und transfer, thetransfer wrll be for he amount of the check, funds may be Withdrawn from your account as soon as the same day we receive your check, and you Will not receive your check back. Please do not send cash. Sending cash is not allowed. The processing of your allowable form of Payment may be delayed if you send cash or correspondence with your Payments, if you send the Payment to any otheraddress or if you use an envelope other than the one prowded. Polymentsreceived at our processing foulity by 5PM local time on any day WI be credited to your Account as of that day._ Palments received at our arocessingfaCili after 5PM local time Will be credite to your Account as o e next da . fyou hove misplaced your envelope send our Payment to Discover, Poy Box 6103, Cami Siream, iL ooi 9 .6303. P ease ui ow 7-io days for delivery. lf your Payment is return unpai _we reserve the right to resubmit it as on electronic debit. Payments made online or by phone will be credited as of the day of receipt if made by 5PM ET. You can also make a Payment or set up automatic payments by calling 1-800-347-2683. Automatic payments for the billing period shown on your statement Will be deducted on the Payment Due Date shown on t at statement, or the next automatic payment date referred to on your statement,unless you request a recurring payment date that occurs before your Payment Due Date. lf your scheduled payment date tolls on a weekend or ban holiday,dyour pa merit will be processed the busmess day prior to the weeken r bank holiday. [n order to schedule monthly payments by . telephone, you Will nee this statement and our bank account information.You will be asked to provtde the lost four (Aidigits of the socml security- number of the primary borrower gs your electronic 5i nature. By prowdingthose numbers, you Will be agreeing to this ou-horiza ion to allow us and your bank to deduct each payment you author ze, in the amount selected b you, from your bank account. You also authorze us to initiate debit or cre it entries to your bank account, as applicable, to correct an error in the processin of such gayment. Y_ou can cancel a scheduled pa ment by phone at 1-800- 47-268 or by mail at Discover, PO Box 30421, alt Lake Ci UT 841 30-0421; payment cancellations must be received before 5 PM E of the scheduled Withdrawal date. If your payments may vary in amount, we will tell you on each monthly billingstatement whenzourpayment Will be made and how much it Will e. ou must ensure tho s ffiCIent funds are available in your bank account, and alltransactions must comply With U.S. law. CHANGE OF ADDRESS Open Date: Sep 27, 201 9 - Close Date: Oct 26, 201 9 Page 2 of 6 You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) other dollar amount. If your scheduled “Other dollar amount" payment is riot enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. If your scheduled payment is reater than the New Balance on your billing statement, that payment wi be processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the billing statement based on credits or payments after the Close Date. lf ou enroll by phone in our automatic payment service, please ll-in the to lowing blanks below and retain the authorization for your records. Amount: U Full Pay DMin Pay DMin Pay+ 5 ; D Other Amount$ ,' Bank Routing #: ; Bank Account # ; Monthly on the D Payment Due Date D Day of month (insert date) Credit Reporting.We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. It you believe that our report is inaccurate or incomplete, please write us at this address: Discover, PO Box 15316,Wilmington, DE 19850-5316. Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billin periods that begin in February). We Will not charge you any interest on Purclgases it you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Date or the first day of the billing period in which the transaction posted to your Account. HowWe Calculate Interest Charges.We Use the Dail Balance Method gncluding current transactions) to calculate the Balance ubiect lo Interest ate. For more information, please call us at 1-800-347-2683. Balance Sub'ect to Interest ate. our statement shows a Balance Subiectto Interest Ra e. It showst is or eoc trap‘so i_on ca egory. The BqlarLcTubie to Interest Rate ist e average oft e aily ba ances duringt e iling perio . Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billin statement. A credit balance is money that is owed to you. You may make c arges against this amount if our Account is open. We will send you a refund of any remainin balance o $1 .00 or more after 6 months, or as otherwise required by app icable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Balance Transfers. Balance Transfers are offered at our discretion andaccrue interest at the standard purchase rate unless we tell you othervvise. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® cord is issued by Discover Bank, Member FDIC. TL23-26N.02IB r If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. N Street Address Home Phone Work Phone City Email State, Zip k To make changes to your address, email or telephone number, visit Discover.com Continued on next page DISC VER Discover° More” Cord Account number ending in 2971 Open Doie: Sep 27, 201 9 - Close Daie: 0d 26, 201 9 Page 3 of 6 CONTACT US Web Mobile Phone Inquiry Mail Payments Access your Manage your I -800-D|$COVER Discover Discover account securely account anytime, (1 -300-347-2683) PO Box 30943 PO Box 61 03 at Discover.com anywhere at TDD 1-800-347-7449 Salt Lake City Carol Stream m.Discover.com UT 841 30 |L 601 97-61 03 Transactions Trans. Date Post Date Fees Oct 2i Oct 2] LATE FEE 3 39.00 TOTAL FEES FOR THIS PERIOD 39.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 2l 9.52 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 21 9.52 201 9 Totals Year-to-Date TOTAL FEES CHARGED IN 201 9 s 67.00 TOTAL INTEREST CHARGED IN 201 9 2,279.35 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 30 days ANNUAL PERCENTAGE PROMO APR BALANCE SUBJECT TO INTEREST TYPE OF BALANCE RATE (APR)' EXPIRATION DATE“ INTEREST RATE CHARGE Purchases 02/04/2016 and after 13.74% V N/A $648.84 $7.32 02/03/2016 and prior 14.74% V N/A $1 0,373.53 y $1 25.65 Expired Promotional Purchases Promotional Purchases 14.74% V N/A $7,142.42 $86.55 Cash Advances 25.74% V N/A $0.00 $0.00 V=Variable Rate’ If your account is currently enrolled in a special program or is placed into one during the term of the offer, you will receive the benet of the lower rate while the special program is in effect. This includes, if applicable, any lower rates as authorized under the Servicemembers Civil Relief Act. "‘ This is the date your promotional rate expires and the remaining balance will be moved to your standard APR disclosed when you accepted the offer. Please note: Changing your payment due date may change your Promo APR Expiration Date. ‘” For more information, please call us at 1-800-347-2683. Information For You Notice of Changes to Your Payment Address This statement contains a new payment address. You should update your online banking information with this new address. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION JANET M BUDERUS Accouni number ending in 2971 Open Date: Sep 27, 201 9 - Close Date: 0d 26, 201 9 Page 4 of 6 Information For You Continued FICO° Credit Score Terms Your FICO° Credii Score, key fodors, and other credit information use the FICO° Score 8 model. They are based on data from TransUnion° and may be different from other credit scores and other credit information provided by different bureaus. This information is intended for and only provided to Primary account holders who have an available score. Your score, key factors and other credit information are available on Discover.com and cardmembers are also provided a score on statements. Customers will see up to o year of recent scores online. Discover and other lenders may use different inputs, such as FICO° Credit Scores, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries. If you prefer not to receive your FICOQ Credit Score iust call us at 'l-800-DISCOVER (i -800-347-2683). Please give us two billing qcles to process your request. Discover Financial Services and Fair Isaac are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act. Discover Financial Services and Fair Isaac do not provide 'credit repair' services or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. Availability of FlCO' Credit Score As an active cardmember, you may see your FICO° Credit Score on your monthly statement or online. Reasons why you may not see your FlCO° Credit Score include: if you opt out; if you have key information that is mismatched or missing, as one example, an address change that has not been updated with Discover or TransUnion”; if your credit history is too new; if your account status is abandoned, bankrupt, fraud, lost or stolen, closed, revoked, or charged off; if you have a foreign address. Your FICO° Score is disclosed on statements when your statement is available. You may not receive a statement if you have no account activity such as no purchase transactions, fees, interest, or payments for approximately 30 days. More from Discover Higher-rate bills or large expenses weighing you down? Apply for a fixed rate personal loan up to $35,000 from a company you already trust: Discover°. Cover costs or consolidate debt with one set regular monthly payment and a repayment term of 36, 48, 60, 72 or 84 months. Visit DiscoverPersonolloans.com or call 1-888-347-9424. DISC VER Discover° More° Card Account number ending in 2971 Open Date: Sap 27, 2019- Close D019: Oct 26, 201 9 Curdmember Since 2002 Page 5 of 6 f \ Your FICO® Credit Score Histo Exceptional 800 - 850 Very Good 740- 799 Good 670-739 Fair 580-669 Poor 300 - 579 11/18 12/18 01/19 02/19 03/19 04/19 05/19 06/19 07/19 08/19 09/19 10/19 Important Information: - We may not always receive a score for you each month, so there may be months with no scores. - For questions on the availability of your score go to the 'lnformation For You" section of this statement. This chart will be shown in every Jan, Apr, Jul and Oct statement when you have up to 12 months of scores. Log in to Discover.com/FICO any time to see key factors that help explain your scores. FlCO®Credit Scores consider the following for the general population: 35% Payment History -- -- -- 30% Amounts Owed 10% New Credit . .. .. .. , ...- 10% CreditMix ....... -- 15% length oiCredit See FlCO° Credit Score Terms on the 'lntormation For You' section ofthis statement 201 7 Discover Bank, Member FDIC CODE_SUM_01 19 J JANET M BUDERUS Account number ending in 2971 Open Date: Sep 27, 201 9 - Close Date: Oct 26, 201 9 Page 6 of 6 DISC VER Discover” More” Card Account number ending in 2971 Open Duie: Aug 27, 201 9- Close Date: Sep 26, 20] 9 Cardmember Since 2002 Page l of 4 r . W r 1Premous Balance $1 7,540.61 New Balance $1 8,058.91 Payments and CrediIs ; $351 .00 Minimum Paymem Due $362.00PurChuses $61 4'] 8 Payment Due Dale October 21 , 201 9 Balance Transfers + $0.00 Cash Advances + $0.00 lale Payment Warning: If we do nol receive your minimum payment by the Fees Charged + $28.00 date listed above, you may have to pay a late fee of up to $39.00 and your + purchase and balance transfer AFRs for new transactions may be increased up toInterest Charged $227.1 2 the Penalty APR of 1 8.99%. New Bakmce $1 8’058'91 Minimum Payment Warning: If you make only the minimum payment each See Interest Charge Calculation section following the Period, you Wlll pay more in interest and it will lake you longer lo pay OH your Transactions section for detailed APR information balance. For example: Credit Line $19,100 arm ~' ‘ ‘ ‘ _" V Credit Line Available $674 g; ' » l ‘ c ‘7‘. l_ i, ‘_. 5 3 Cash Advance Credit Line $3,400 Only the minimum Egment 31 years $46,005 . . . $626 3 years $22,522Cash Advance Credit LIne Available $674 (Smiles: $23,483) Y b bl t 'd ' t st P h . 5:: gsgrseefgr :efzilas‘fo' m ere on we uses J k If you would like information about credit counseling services, call 1-800-347-1 121 .J r F|co ‘ REWARDS. f Anniversa M th ‘o ry onCashback Bonus Odober Your Flco° Credit Score on 9/20/1 9 Opening Balance s 1.43 WWW New Cashback Bonus This Period (Frock recent FICO° Scores on our mobile app or online J gxsszizceszonus I g ?:2 Please see Noce of changes Redeemed This Period - $ 0.00 ,0 you, hymen, Address Cashback Bonus Balance $ 6.67 L To learn more, log in at Discover.com j Make Check payable to Discover. Do Not Send Cash.NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Please told on the perforation below, detach and return with your payment. Payment Coupon 9 Pay Online Pay by PhonePlease do not told, clip or staple. Discover.com 1-800-347-2683 "iill|'-i"ii-llill-'i-IliIl'Ilii-il|'i"li'||"'linii-ii'I'll' JANET M BUDERUS 750 47TH AVE SPC ll CAPITOLA CA 9501 0-31 36 PO BOX 51 908 LOS ANGELES, CA 90051 -6208 Phone and Internet payments must be received by 5PM ET to be credited as otthe some day. Address, e-mail or telephone changed? Note changes on reverse side. JANET M BUDERUS Account number ending in 2971 Important Information See your Cordmembor Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cords. Report immediatelyl Call 1-800-347-2633. Whot To Do It You Think You Find A Mistake O_n Your Statement:If you think there Is an error on your statement, wnte to us at Discover, PO Box 30421 , Salt Loke City, UT 841 30-0421 , or submit the form provided at https://discover.com/biIlingerrornotice. You must contact us within 60 da after the error appeared on your statement. You may call us, but if you o we are not required to investigate any potential errors, and you may have to pa the amount in question. The Billing Rights Notice further explains your rig ts. Please see your Cardmember Agreement or visit https://discover.com/bi||ingrights for a copy of this Notice. Payments. You may pay all or part of your Account balance at anytime.However, you must pay at least the Minimum Payment Due by the aymentDue Date. Send only your allowable form of paymentJPayment") and the bottom portion of this statement in the envelope prow ed, after afxing postage. Payments sent WI out proper postage Will be returned to thesender. If you pay by chec <, you authorize us to use information on our _ check to make an electron-c und transfer from your account at the mancnol institution indicated on your check or to process the pa merit as a check transaction. If a P ment is processed as an electronic und transfer, thetransfer Will be for e amount of the check, funds may be Withdrawn from your account as soon as the same day we receive your check, and you Willnot receive your check back. Please do not send cash. Sending cash is not allowed. The processing of your allowable form of Payment maybe delayed if you send cash or correspondence with your Payments, if you send the Payment to any other address or if you use a_n envelope other than the one prowded. Paymentsreceived at our processing facility by 5PM local time ori any day Wil b credited to your Account as of that day..P ments received at our rocessing foalit?’ after 5PM local time Will be credit to your Account as of e nextdo . fyou hove mis laced your envelope sen our Pa ment to Discover, P Box 6103, Caro Stream, IL 60197-6303. P ease al ow Z-lO days for delivery. If your Pagment is returned unpaid iwe reserve the right to resubmit it as on electronic ebit.‘ ayments made online or by phone Will be creditedas of the day of receipt i made by 5PM ET. You can also make a Payment or set up automatic. payments by calling1-800-347-2683. Automatic payments for the billing period shown on your statement Will be deducted on the Payment Due Date shown on that statement, or the ne)d automatic payment date referred to on your statement,unless you request a recurring payment date that occurs before your PaymentDue Date. If your scheduled payment date falls on a weekend or bank holiday,dyour payment will be processed the business day prior to theweeken r ban _holiday. in order to schedule monthly payments by o telephone, you Will need this statement and oprhbank account information.You Will be asked to prowde the lost four (4lldigits of the soaol securitynumber of the primary borrower as your electronic Signature. By providingthose numbers, you Will be agreeing to this au‘horiza ion to allow us and your bank to deduct each payment you author ze, in the amount selected b you, from your bank account. You also author'ze us to initiate debit or cre itentries to your bank account, as applicable, to correct an error in the processin of such gayment. Y_ou can cancel a scheduled pa ment by phoneat 1-800- 47-268 or by mail at Discover, PO Box 39421 , alt Lake CiUT 841 30-0421; payment cancellations must be received before 5 PM E ofthe scheduled Withdrawal date. If your payments may vary in amount, we will tell you on each monthly billing statement when your_p_ayment will be made and how much it Will be. oumust ensure that sufficcent funds are available in your bank account, and alltransactions must comply With U.S. law. CHANGE OF ADDRESS Open Date: Aug 27, 201 9 - Close Date: Sep 26, 201 9 Page 2 of 4 You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a xed dollar amount, or (iv) other dollar amount. If your scheduled 'Other dollar amount” payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. If your scheduled payment is reater than the New Balance on your billing statement, that payment wi be processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the billing statement based on credits or payments after the Close Date. If you enroll by phone in our automatic payment service, please fill-in the to lowing blanks below and retain the authorization for your records. Amount: U Full Pay U Min Pay DMin Pay+ $ ; U Other Amounts Bank Account # , ; Bank Routing #: ,- Monthly on the [l Payment Due Date U Day of month (insert date) Credit Reporting.We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at this address: Discover, PO Box 15316,Wilmington, DE 19850-531 6. Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billin periods that begin in February). We will not charge you any interest on Purc ases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Date or the rst day of the billing period in which the transaction posted to your Account. HowWe Calculate Interest Charges.We Use the Dail Balance Method (including current transactions) to calculate the Balance ubiect to Interest Rate. For more information, please call us at 1-800-347-2683. Balance Sub)ect to Interest $ate. Your statement shows a Balance Subiectto nterest Ra . It showst is or each transaction ca egory. .e B lanceu .Iect to Interest Rate is t e average of the daily ba ances duringt e billing perio . Credit Balances. lf your Account has a credit balance, the amount is shown on the front of your billin statement. A credit balance is money that is owed to you. You may make c arges against this amount if our Account is open. We will send you a refund of any remainin balance 0151 .00 or more after 6 months, or as otherwise required by app icable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Balance Transfers. Balance Transfers are offerod at our fiscretion andaccrue interest at the standard purchase rate un ess we tel you otherwtse. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® cord is issued by Discover Bank, Member FDIC. TL23-26N.0218 r If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Street Address Home Phone Work Phone City Email State, Zip To make changes to your address, email or telephone number, visit Discover.com Continued on next page Discover° More” Cord Accoum number ending in 2971 Open Dale: Aug 27, 201 9 - Close Date: Sep 26, 201 9 Page 3 of 4 DRIscme CONTACT US Web Mobile Phone Inquiry Mail Payments Access your Manage your i-800-DISCOVER Discover Discover account securely account anytime, (i -800-347-2683) PO Box 30943 PO Box 61 O3 al Discover.com anywhere at TDD 1-800-347-7449 SaH Lake Cily Carol Stream m.Discover.com UT 841 30 ll. 60197-61 03 Transactions Trans. Dale Post Date Payments and Credits Sep 22 Sep 22 PHONE PAYMENT - THANK YOU $ -35‘| .00 Merchandise Sep 4 Sep 4 PAYPAL ‘EASTERNMOUN 402-935-7733 CA $ 77.98 Gasoline Aug 27 Aug 27 CHEVRON 0354405 SOQUEL CA $ 89.07 00354405 0567527 Services Aug 27 Aug 27 SQ 'ME MYSELF AND l APTOS CA $ 80.50 0001 152921 50875045441 9 Sep 24 Sep 24 VERIZON WRLS 01062-01 ROCHESTER NY 366.63 Fees Sep 21 Sep 21 LATE FEE $ 28.00 TOTAL FEES FOR THIS PERIOD 28.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 227.1 2 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 227.] 2 201 9 Totals Year-to-Date TOTAL FEES CHARGED IN 2019 5 28.00 TOTAL INTEREST CHARGED IN 2019 2,059.83 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 31 days ANNUAL PERCENTAGE PROMO APR BALANCE SUBJECT TO INTEREST TYPE OF BALANCE RATE (APRY EXPIRATION DATE” INTEREST RATE CHARGE Purchases 02/04/2016 and after 13.99% V N/A $264.14 $3.14 02/03/201 6 and prior 14.99% V N/A $1 0,538.22 5 1 34. 1 6 Expired Promotional Purchases Promotional Purchases 14.99% V N/A $7,054.22 $89.82 Cash Advances 25.99% V N/A $0.00 $0.00 V=Variab|e Rate‘ If your account is currently enrolled in a special program or is placed into one during the term of the offer, you will receive the benefit of the lower rate while the special program is in effect. This includes, if applicable, any lower rates as authorized under the Servicemembers Civil Relief Act." This is the date your promotional rate expires and the remaining balance will be moved to your standard APR disclosed when you accepted the otter. Please note: Changing your payment due date may change your Promo APR Expiration Date. ‘" For more information, please call us at 1-800-347-2683. Information For You Notice of Changes to Your Payment Address& As of your billing cycle in October, your payment address will change. The new address will be provided on the October billing statement. At thetime of your change, you should update your online banking information with your bank to include this new address. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION JANET M BUDERUS Account number ending in 2971 Open Date: Aug 27, 201 9 - Close Date: Sep 26, 201 9 Page 4 of 4 Information For You Continued FICO° Credit Score Terms Your FICO” Credit Score, key fudors, and other credii information use the FICO” Score 8 model. They are based on data from TrunsUnion° and may be different from other credit scores and other credit information provided by different bureaus. This information is intended for and only provided to Primary account holders who have an available score. Your score, key factors and other credit information are available on Discover.com and cardmembers are also provided a score on statements. Customers will see up to a year of recent scores online. Discover and other lenders may use different inputs, such as FICO° Credit Scores, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries. If you prefer not to receive your FICO° Credit Score iust call us at l-BOO-DISCOVER (l -800-347-2683). Please give us two billing cycles to process your request. Discover Financial Services and Fair Isaac are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act. Discover Financial Services and Fair Isaac do not provide "credit repair“ services or assistance regarding “rebuilding' or "improving" your credit record, credit history or credit rating. Availability of FICO’ Credit Score As an active cardmember, you may see your FICO° Credit Score on your monthly statement or online. Reasons why you may not see your FICO° Credit Score include: if you opt out; if you have key information that is mismatched or missing, as one example, an address change that has not been updated with Discover or TransUnione; if your credit history is too new; if your account status is abandoned, bankrupt, fraud, lost or stolen, closed, revoked, or charged off; if you have a foreign address. Your FICO° Score is disclosed on statements when your statement is available. You may not receive a statement if you have no account activity such as no purchase transactions, fees, interest, or payments for approximately 30 days. DISC VER Discover” More“ Card Account number ending in 2971 Open Date: Jul 27, 2019- Close Date: Aug 26, 2019 Curdmember Since 2002 Page 1 of 4 F . Prawous Balance $17,665.57 ( New Balance $1 7,540.61 Paymenls and Credils I; $354.00 Minimum Payment Due $351 .00 Purdmses so'oo Payment Due Date September 21 , 20] 9Balance Transfers + $0.00 Cash Advances + $0.00 Late Payment Warning: If we do not receive your minimum payment by the Fees Charged + $000 date listed above, you may have to pay a late fee of up to $39.00 and your + purchase and balance transfer AFRs for new transactions may be increased up toInterest Charged $229.04 the Penalty APR of 19.24%. New Balance $l 7’540'6l Minimum Payment Warning: If you make only the minimum payment each See Interest Charge Calculation section following the period, you will pay more in interest and it will take you longer to pay off your Transactions section for detailed APR information balance. For example: Credit Line s1 9,1 oo g“ _ 3' “3"“ ' Credit Line Available $1 ,559 :%g d1"; n I r Cosh Advance Credit Line $3,400 Only the mini 32 years . . . $61 0 3 yearsCash Advance Credit Line Available $1 ,559 (savings: $23,846) You may be able to avoid interest on Purchases. . , _ , _ . see reverse for details. J L If you would like information about credit counseling servuces, call 1-800-347-1 12] Jk’ |=|co_ ‘ REWARDS cashback Bonuso Anniversary MonthOctober Your Fico° Credit score on 8/20/1 9 Opening Balance $ 1-43 mommi- New Cashback Bonus This Period + $ 0.00 {Track recent FICO° Scores on our mobile app or online J Redeemed Th" Per'Od ' s 0'00 . Cashback Bonus Balance $ 1 .43Please see Nol'ce Of Changes To learn more, log in at Discover.comto Your Payment Address Make Check payable to Discover. Do Not Send Cash.NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATlON Please fold an the perforation below, detach and return with your payment. Payment Coupon 9 Pay Online Q Pay by PhonePlease do not fold, clip or staple. Discover.com 1-800347-2683 uIlnlIIIIIIIHIIIIIIII":I'llllllllllllllllllIIIIIIIIIIIIIIIIII JANET M BUDERUS . ‘1‘750 47TH AVE SPC l l CAPITOLA CA 9501 0-3l 36 PO BOX 51 908 LOS ANGELES, CA 90051 -6208 ll I I ll llll l ll I In II ll lIlI I llI Phone and lnternet payments must be received by 5PM ET to be credited as ofthe same day. I I II ll II l l I" llllll l I I I I IIIIIIIIIIII Address, e-mail or telephone changed? Note changes on reverse side. JANET M BUDERUS Account number ending in 2971 Important Information See your CardmamberAgreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen curds. Report immediately! Call 1-800-347-2683. What Lo a If You Think You Find A Mistake Qn Your Statement: If you t in there ts an error on your statement, wrlte to us ot Discover, PO Box 30421 , Salt Lake City, UT 841 30-0421 , or submit the form provided ot https://discover.com/billingerrornotice. You must contact us within 60 days after the error appeared on your statement. You may call us, but if you do we are not required to investigate any potential errors, and you may have to pa the amount in question. The Billing Rights Notice further explains your rig ts. Please see your Cardmember Agreement or visit https://discover.com/bil|ingrights for a copy of this Notice. Payments. You may pay all or part of your Account balance at anytime.However, you must pay at least the Minimum Payment Due by the oymentDue Date. S‘end only your allowable form of paymenté"Payment") and the bottom portion of this statement In the envelope prow ed, after affixmg postage. Payments sent wrhout proper postage Will be returned to thesender. lf you pay by chec <, you authorize us to use information on our ' checkto make an electron c und transfer from your account at the nanctal institution indicated on your check or to process the pa ment as a check transaction. If a P ment is processed as an electronic nd transfer, thetransfer Will be for he amount of the check, funds may be Withdrawn from your account as soon as the same day we receive your check, and you will not receive your check back. Please do not send cash. Sending cosh is not allpwed. The pro essing of your allowable form of Payment mayObe delayed if you send cas or correspondence with your Payments, if you send the Payment to any othera dress or if you use an envelope other than the one provided. Polymentsreceived at our processing facnlity by 5PM local time on ordiy day WI be ‘ credited to your ccount as of that day .Pegments receive at our rocessmg faculi after 5PM qcal time WII be credit to your Account as of .e nextda . fyou hove mis laced your envelope sen our Pa ment to Discover,PdBox 61 03, Caro Stream, IL 60197-6303. P ease al ow 7-10 days for delivery. If your Payment is returned unpaid .we reserve the right to resubmit it as on electronic ebit._ Payments made oniine or by phone will be creditedas of the day of receipt if made by 5PM ET. You can also make a Payment or set up automatic payments by calling1-800-347-2683. Automatic payments for the billing period shown on yourstatement will be deducted on the Payment Due Date shown on that statement, or the next automatic payment date referred to on your statement, unless you request a recurring payment date that occurs before your PaymentDue Date. lf your scheduled payment date falls on a weekend or bank holiday, our payment Will be processed the busmess day prior to the weekendyor ban .holiday. [n order to schedule monthly payments by . telephone, you Will need this statement and our. bank account information.You will be asked to prowde the lost four 4 digits of the social security_number of the primary borrower as your electronic si nature. 8y providingthose numbers, you Will be agreeing to this authori_za ion to allow us and your bank to deduct each payment you authorize, in the amount selected b you, from your bank account. You also authorize us to initiate debit or creditentries to your bank account, as applicable, to correct an error in the processingof such ayment. Y_ou can cancel a scheduled p ment by phoneat 1-800- 47-268 or by mail at Discover, PO Bax 3042'], alt Lake Ci ,UT 841 30-0421; payment cancellations must be received before 5 PM E ofthe scheduled Withdrawal date. If your payments may vary in amount, we will tell you on each monthly billing statement when your payment Will be made an how muc it Will be. oumust ensure that sufCient funds are available in your bank account, and alltransactions must comply Wit U.S. aw. CHANGE OF ADDRESS Open Date: Jul 27, 201 9 - Close Date: Aug 26, 201 9 Page 2 of 4 You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) other dollar amount. If your scheduled "Other dollar amount“ payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. If your scheduled payment is greater than the New Balance on your billing statement, that payment wil be processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the billing statement based on credits or payments after the Close Date. lf you enroll by phone in our automatic payment service, please fill-in the fa lowing blanks below and retain the authorization for your records. Amount: D Full Pay UMin Pay DMin Pay+ $ ; D Other AmountS ; Bank Routing #: Bank Account # ; Monthly on the U Payment Due Date U Day of month (insert date) Credit Reporting.We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. lf you believe that our report is inaccurate or incomplete, please write us at this address: Discover, PO Box 15316,Wilmington, DE 19850-531 6. Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days tor billin periods that begin in February). We will not charge you any interest on Purcases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Date or the first day of the billing period in which the transaction posted to your Account. HowWe Calculate Interest Charges.We Use the Dail Balance Method Encluding current transactions) to calculate the Balance ubiect to Interest ate. For more information, please call us at 1-800-347-2683. Balance Sub'ect to lnte st Rate. Your statement shows a Balance Subiectto nterest Ra e. It shows'mis for each tra sa tion ca-egory. T .e B lanceu .le to Interest Rate I t e average of t e aily ba'ances during t e billing perio . Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billin statement. A credit balance is money that is owed to you. You may make c arges against this amount if our Account is open. We will send you a refund of any remainin balance o $1 .00 or more after 6 months, or as otherwise required by app icable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Balance Transfers. Balance Transfrs are offer d at our discretion andaccrue interest at the standard purc ase rate un ess we tell you otherWise. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® card is issued by Discover Bank, Member FDIC. TLza-26N.o218 N If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Street Address Home Phone Work Phone City Email State, Zip j To make changes to your address, email or telephone number, visit Discover.com Continued on next page Discover“ More” Cord Account number ending in 2971 Open Date: Jul 27, 201 9 - Close Date: Aug 26, 201 9 Page 3 of 4 CONTACT US Web 1,1,. Mobile Phone Inquiry Mail Payments Access your B Manage your 1-aoo-DISCOVER Discover Discover account securely account anytime, (1 -800-347-2683) PO Box 30943 PO Box 61 03 at Discover.com anywhere at TDD 1-800-347-7449 Salt Lake City Carol Stream m.Discover.com UT 841 30 IL 601 97-61 03 Transactions Trans. Date Post Date Payments and Credits Aug 20 Aug 20 PHONE PAYMENT - THANK YOU $ -354.00 Fees TOTAL FEES FOR THIS PERIOD s 0.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 229.04 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 229.04 201 9 Totals Year-to-Date TOTAL FEES CHARGED IN 2019 5 0.00 TOTAL INTEREST CHARGED IN 2019 1,832.71 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 31 days ANNUAL PERCENTAGE PROMO APR BALANCE SUBJECT TO INTEREST TYPE OF BALANCE RATE (APR)‘ EXPIRATION DATE“ INTEREST RATE CHARGE Purchases 02/04/2016 and after 14.24% V N/A $1 .34 $0.01 02/03/2016 and prior 15.24% V N/A $10,731 .07 $138.87 Expired Promotional Purchases Promotional Purchases 15.24% V N/A $6,964.19 $90.16 Cash Advances 26.24% V N/A $0.00 $0.00 V=Variable Rate‘ If your account is currently enrolled in a special program or is placed into one during the term of the offer, you will receive the benet of the lower rate while the special program is in effect. This includes, it applicable, any lower rates as authorized under the Servicemembers Civil Relief Act.” This'Is the date your promotional rate expires and the remaining balance will be moved to your standard APR disclosed when you accepted the offer. Please note: Changing your payment due date may change your Promo APR Expiration Date. “’ For more information, please call us at 1-800-347-2683. I J - Information For You Notice of Changes to Your Payment Address& As of your billing cycle in October, your payment address will change. The new address will be provided on the October billing statement. At thetime of your change, you should update your online banking information with your bank to include this new address. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION JANET M BUDERUS Account number ending in 2971 Open Dale: Jul 27, 201 9 - Close Date: Aug 26, 201 9 Page 4 of 4 Information For You Connued FICO° Credit Score Terms Your FICO° Credit Score, key factors, and other credit information use the FICO° Score 8 model. They are based on data from TransUnion° and may be different from other credit scores and other credit information provided by different bureaus. This information is intended for and only provided to Primary account holders who have an available score. Your score, key factors and other credit information are available on Discover.com and cardmembers are also provided a score on statements. Customers will see up to a year of recent scores online. Discover and other lenders may use different inputs, such as FICO° Credit Scores, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries. If you prefer not to receive your FICOO Credit Score iust call us at l-800-DlSCOVER (l 800-347-2683). Please give us two billing cycles to process your request. Discover Financial Services and Fair lsoac are not credit repair organizations as dened under federal or state law, including the Credit Repair Organizations Act. Discover Financial Services and Fair Isaac do not provide 'credit repair' services or assistance regarding “rebuilding" or "improving" your credit record, credit history or credit rating. Availability of FICO° Credit Score As an active cardmember, you may see your FICO” Credit Score on your monthly statement or online. Reasons why you may not see your FICO” Credit Score include: if you opt out; if you have key information that is mismatched or missing, as one example, an address change that has not been updated with Discover or TransUnion’; if your credit history is too new; if your account status is abandoned, bankrupt, fraud, lost or stolen, closed, revoked, or charged off; if you have a foreign address. Your FICO° Score is disclosed on statements when your statement is available. You may not receive a statement if you have no account activity such as no purchase transactions, fees, interest, or payments for approximately 30 days. DISCVER' Discover’ More° Cord Account number ending in 2971 Open Date: Jun 27, 201 9- Close Date: Jul 26, 201 9 Cardmember Since 2002 Page 1 of 6 (Previous Balance s1 7,842.03 New Balance $1 7,665.57 l Paymenls and Credits ; $400.00 Minimum Paymem Due $35400PurChoses so'oo Payment Due Date August 21 , 201 9Balance Transfers + $0.00 Cash Advances + $0.00 late Paymen! Warning: If we do not receive your minimum paymem by the Fees Charged + $0.00 date listed above, you may have to pay a late fee of up to $39.00 and your + purchase and balance transfer APRs for new transactions may be increased up toInterest Charged $223.54 {he Penalty APR of 19.24%- New Balance $1 7,665.57 See Interest Charge Calculation section following the TranSactions section for detailed APR information Credit Line $1 9,1 00 Credit Line Available $1 ,434 Cash Advance Credit Line $3,400 Cash Advance Credit Line Available $1 ,434 You may be able to avoid interest on Purchases. See reverse for details. x J N Flco.- Your FICO° Credit Score on 7/20/1 9 Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: Only the minimumpayment - 32 years $46,166 $614 3 years $22,121 (Savings: $24,045) If you would like information about credit counseling services, call 1-800-347-1 121 . REWARDS J Jrack recent scores on the FICO page in this statement NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Cashback Bonus° Ann'vemryogzgg: Opening Balance $ 1.43 New Cashback Bonus This Period + $ 0.00 Redeemed This Period - $ 0.00 Cashback Bonus Balance $ 1.43 To learn more, log in at Discovemom Make Check payable to Discover. Do Not Send Cash. Please fold an the perforation below, detach and return with your payment [ Payment Coupon Please do not fold, clip or staple. Pay Online _' Discover.com Pay by Phone ]1-800-347-2683 JANET M BUDERUS 750 47TH AVE SPC 11 CAPITOLA CA 95010-3136 Phone and Internet payments must be received by 5PM ET to be credited as of the same day. Address, e-mail or telephone changed? Note changes on reverse side. PO BOX 51 908 LOS ANGELES, CA 90051 -6208 JANET M BUDERUS Account number ending in 2971 Imporlam Information See your CardmembarAgreement Your Cardmember Agreemeni contains all the terms of your Account Lost or stolen cords. Report immediately] Call 1-300-347-2683. Who! 'I'o_ If You Think You Find A Mistake On Your Statement: If you thin there is an error on your statement, write to us at Discover, PO Box 30421 , Salt Lake City, UT 841 30-0421 , or submit the form provided at https://discover.com/biilingerrornotice. You must contact us within 60 days after the error appeared on your statement. You may call us, but if you do we are not required to investigate any potential errors, and you may have to pa the amount in question. The Billing Rights Notice further explains your rig ts. Please see your Cardmember Agreement or visit https://discover.com/billingrights for a copy of this Notice. 'Payments. You may pay all or part of your Account balance at anytime.However, you must pay at least the MInImum Payment Due by the ayment Due Date. Send only your allowable form of paymenttrPayment") and the nottom portion of this statement in the envelope provr ed, after afxing postage. Payments sent wrthout propher postage wrll be returned to thesender. lf you pay b check, ou au orrze us to use Information on our h check to make an e ectronlc und transfer from your account at the nanclal institution Indicated on your check or to process the payment as a check transaction. If a Payhment is processed as an electronic und transfer, thetransfer wrll be for e amount of the check, funds may be wrthdrawn from your account as soon as the some day we receive your check, and you wrll not receive your check back._ Please do ot send cash. Sending cash is not allowed. The processing of your allowa Ie form of Payment may be delayed if you send cash or correspondence with your Payments, if you send the Payment to any other address or if you use an envelope other than the one provided. Polymentsreceived at our processing faCIlity by 5PM local time on any day WI b credited o your Account as of that day _ P ments received at our grocessing fuellily a er 5PM local time Will be credite to your Account as of e next da . tyou hove mis laced your envelope send our Pa ment to Discover,Pg Box 6103, Caro Stream, IL 6019 -6i03. P ease al ow 7-10 days for delivery. If your .P ment is returned unpai .we reserve the right to resubmit it as on electronic ebitn Payments made on ine or by phone Will be creditedas of the day of receipt if made by 5PM ET. You can also make a Payment or set up automatic. payments by calling1-800-347-2683. Automatic payments for the billing period shown on your statement will be deducted on the Payment Due Date shown on that statement, or the next automatic payment date referred to on your statement, unless you request a recurring payment date that occurs before your Payment Due Date. lf your scheduled payment date falls on a weekend or ban holiday,dyour pa ment Will be processed the busmess day prior to theweeken r ban holiday. |_n order to schedule monthly payments by . telephone, you will nee this statement and our‘bank account information.You Will be asked to prowde the lost four (4idigits of the soaal securitynumber of the primary borrower ps your electronic Si nature. By providingthose numbers, you Will be agreeing to this authoriza ion to allow us and your bank to deduct each payment you authorize, in the amount selected b you, from your bank account. You also authorize us to initiate debit or cre it entries to your bank account, as applicable, to correct an error in the processm of such ayment. Y_ou can cancel a scheduled pa ment by phoneat 1-800- 47-268 or by mail at Discover, PO Box 39421 , alt Lake CiEty,UT 841 30-0421; payment cancellations must be received before 5 PM ofthe scheduled Withdrawal date. If your payments may vary in amount, we will tell you on each monthly billing statement Whenyour payment Wil e made an_d how much it Will be. ou must ensure tha s tfiCIent funds are available in your bank account, and alltransactions must comply with U.S. law. CHANGE OF ADDRESS Open Date: .lun 27, 201 9 - Close Date: Jul 26, 201 9 Page 2 of 6 You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) other dollar amount. If your scheduled "Other dollar amount" payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. lf the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. If your scheduled payment is greater than the New Balance on your billing statement, that payment wil be processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the billing statement based on credits or payments after the Close Date. If you enroll by phone in our automatic payment service, please ll-in the fo lowing blanks below and retain the authorization for your records. Amount: D Full Pay D Min Pay DMin Pay+ S ; D Other Amount$ ; Bank Routing #2 ; Bank Account # ; Monthly on the D Payment Due Date U-_Day of month (insert date) Credit Reporting.We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at this address: Discover, PO Box 15316,\Mlmington, DE 19850-531 6. Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will not charge you any interest an Purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Date or the rst day of the billing period in which the transaction posted to your Account. HowWe Caiculate Interest Charges.We Use the Dail Balance Method gncluding current transactions) to calculate the Balance ubiect to Interest ate. For more information, please call us at 1-800-347-2683. Balance Sub'ect to Interest Rate. Your statement shows a Balance Subiect to Interest Ra e. lt showst is for each Iransa i_on ca egory. Th_e quaquT'ubie to Interest Rate is t e average of the aily ba ances during I e iling perio . Credit Balances. It your Account has a credit balance, the amount is shown on the front of your billin statement. A credit balance is money that is owed to you. You may make c arges against this amount if our Account is open. We will send you a refund of any remainin balance o $1 .00 or more after 6 months, or as otherwise required by app icable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Balance Transfers. Balance Transfers are offered at our discretion andaccrue interest at the standard purchase rate unless we tell you otherWise. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® card is issued by Discover Bank, Member FDIC. TL23-26N.0218 N If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Street Address Home Phone Work Phone City Email State, Zip k 1 To make changes to your address, email or telephone number, visit Discover.com Continued on next page DISC VER' Discover° More” Cord Account number ending in 2971 Open Date: Jun 27, 201 9 - Close Date: Jul 26, 201 9 Page 3 of 6 Web //,+ Mobile Phone Inquiry Mail Payments \lAccess your a Manage your I -800-DISCOVER Discover Discover account securely account anytime, (1 300347-2683) PO Box 30943 Po Box 6] 03 at Discover.com anywhere at TDD 1-800-347-7449 Salt Lake City Carol Stream m.Discover.com UT 841 30 IL 601 97-61 03 Transactions Trans. Date Post Date Payments and Credits Jul 2O Jul 20 PHONE PAYMENT - THANK YOU $ -400.00 Fees TOTAL FEES FOR THIS PERIOD 0.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 223.54 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 223.54 201 9 Totals Year-to-Date TOTAL FEES CHARGED IN 2019 $ 0.00 $ TOTAL INTEREST CHARGED IN 2019 1,603.67 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 30 days ANNUAL PERCENTAGE PROMO APR BALANCE SUBJECT T0 INTEREST TYPE OF BALANCE RATE (APR)‘ EXPIRATION DA “ INTEREST RATE CHARGE Purchases 02/04/2016 and after 14.24% V N/A $1 47.63 $1 .72 02/03/201 6 and prior 15.24% V N/A $1 0,833.22 $1 35.68 Expired Promotional Purchases Promotional Purchases 15.24% V N/A $6,876.09 $86.14 Cash Advances 26.24% V N/A $0.00 $0.00 V=Variable Rate a if your account is currently enrolled in a special program or is placed into one during the term of the otter, you will receive the benet of the lower rate while the special program is in effect. This includes, if applicable, any lower rates as authorized under the Servicemembers Civil Relief Act.“ This is the date your promotional rate expires and the remaining balance will be moved to your standard APR disclosed when you accepted the offer. Please note: Changing your payment due date may change your Promo APR Expiration Date. "‘ For more information, please call us at 1-800-347-2683. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION JANET M BUDERUS Account number ending in 2971 Open Date: Jun 27, 201 9 - Close Date: Jul 26, 201 9 Page 4 of 6 Information For You FICO° Credit Score Terms Your FICO° Credit Score, key fodors, and other credit information use the FICO’ Score 8 model. They are based on data from TransUnion° and may be different from other credit scores and other credit information provided by different bureaus. This information is intended for and only provided to Primary account holders who have an available score. Your score, key factors and other credit information are available on Discover.com and cardmembers are also provided a score on statements. Customers will see up to a year of recent scores online. Discover and other lenders may use different inputs, such as FICO° Credit Scores, other credit scores and more information in credit decisions. This benet may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries. If you prefer not to receive your FlCO° Credit Score iust call us at i-BOO-DISCOVER (l -800-347-2683). Please give us two billing cycles to process your request. Discover Financial Services and Fair Isaac are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act. Discover Financial Services and Fair Isaac do not provide “credit repair' services or assistance regarding "rebuilding' or "improving" your credit record, credit history or credit rating. Availability of FICO° Credit Score As an active cardmember, you may see your FICO° Credit Score on your monthly statement or online. Reasons why you may not see your FICO” Credit Score include: if you opt out; if you have key information that is mismatched or missing, as one example, an address change that has not been updated with Discover or TransUnion”; if your credit history is too new; if your account status is abandoned, bankrupt, fraud, lost or stolen, closed, revoked, or charged off; if you have a foreign address. Your FICOO Score is disclosed on statements when your statement is available. You may not receive a statement if you have no account activity such as no purchase transactions, fees, interest, or payments for approximately 30 days. DISC VER Discover” More° Cord Account number ending in 297] Open Date: Jun 27, 201 9- Close Date: Jul 26, 201 9 Cardmember Since 2002 Page 5 of 6 N Your FICO® Credit Score Histo Exceptional 800 - 850 Very Good 740-799 Good 670-739 Fair 580-669 Poor 300 - 579 08/18 09/18 10/18 11/18 12/18 01/19 02/19 03/19 04/19 05/19 06/19 07/19 Important Information: - We may not always receive a score for you each monih, so there may be mo_n1hs with no scores.- For questions on the availability of your score go to the “Information For You" section of this statement. This chart will be shown in every Jan, Apr, Jul and Oct statement when you have up to 12 months of scores. Log in to Discover.com/FICO any time to see key factors that help explain your scores. FICO° Credit Scores consider the following for the general population: 35% Payment History ........._ ..... .. 30% Amounts Owed 10% New Credit . 10% CreditMix _. . . . 15% Length olCredit See FICO° Credit Score Terms on the 'Infon'nation For You' section of this statement 201 7 Discover Bank, Member FDIC CODE_SUM~01 19 K JANET M BUDERUS Account number ending in 2971 Open Daie: Jun 27, 2019 - Close Date: Jul 26, 201 9 Page 6 of 6 DISC VER Discover” More” Cord Account number ending in 2971 Open Date: May 27, 201 9- Close Daie: Jun 26, 201 9 Cordmember Since 2002 Page 1 of 4 f ' W N B I WPrevuous Balance $1 7,969.45 8W a once $1 7,842.03 Payments and Credics + $360.00 Minimum payment Due $357.00 PurChases so‘oo Payment Due Date July 21 , 201 9Balance Transfers + $0.00 Cash Advances + $0.00 late Payment Warning: If we do not receive your minimum payment by the Fees Charged + $0.00 daie lisled above, you may have to pay a late fee of up to $39.00 and your + purchase and balance transfer APRs for new transactions may be increased up to""9”" Chm“! 523258 the Penalty APR of 19.24% variable. New Balance $1 7'842’03 Minimum Payment Warning: If you make only the minimum payment each See Interest Charge Calculation section following the period, you will pay more in interest and it will take you longer lo pay off your Transactions section for detailed APR information balance For example: Credit Line $1 9,1 00 r Credit Line Available $1,257 . __ ‘ ~ _ ‘ V I, Cash Advance Credit Line $3,400 Only the minimum payment 32 years $46,642 . - - $62l 3 years $22,338Cash Advance Credit Line Available $1,257 (savings: $24,304) You may be able to avoid interest on Purchases. . , _ _ . _ See reverse for demils_ K If you would like information about credit counseling sewices, call 1-800-347-1 121 .J’ |=|co ‘ REWARDSi Anniversary Month WoCashback Bonus Odober Your Fico° Credii Score on 6/20/1 9 Opening Balance $ 1-43 New Cashback Bonus This Period + $ 0.00 Jrack recent FICO° Scores on our mobile app or online J Redeemed Th" Per'Od ' s 0’00Cashback Bonus Balance $ 1 .43 To learn more, log in at Discover.com J Make Check payable to Discover. Do Net Send Cash. Please fold an the perforation below, detach and return with your payment. Payment Coupon 9 Pay Online e Pay by PhonePlease do not fold, clip or staple. Discover.com 1-800-347-2683 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION JANET M BUD'ERus . t" - 750 47TH Ave SPc i 1 ‘ CAPITOLA CA 9501 0-31 36 Po Box 51908 Los ANGELes, CA 9005 1 -6208 Will"ll'IlI'II'"ll'IIIIIIi'llI"--'|I'l'l"lI'l-lilll'ili'l'lPhone and Internet payments must be received by 5PM ET to be credited as of the same day. Address, e-mail or telephone changed? Note changes on reverse side. JANET M BUDERUS Account number ending in 2971 Important Information See your CurdmemberAgreement. Your Cardmember Agreement contains all Ihe terms of your Account. Lost or siolen cards. Repo immediately! Call 1-800-347-2683. What Lo o If You Think You Find A Mistake On Your Statement: If you t In there Is an error on your statement, write to us at Discover, PO Box 30421 , Salt Lake City, UT 841 30-0421 , or submit the form provided at https://discover.com/billingerrornotice. You must contact us within 60 do after the error appeared on your statement. You may call us, but if you o we are not required to investigate any potential errors, and you may have to pa the amount in question. The Billing Rights Notice further explains your rig ts. Please see your Cardmember Agreement or visit https://discover.com/biIlingrights for a copy of this Notice. Payments. You may pay all or part of your Account balance at any time. However, you must pay at least the Minimum Payment Due by the aymentDue Date. Send only your allowable form of payment 'Payment") and thebottom portion of this statement In the envelope provr ed, after afxrng postage. Payments sent wrthout pro er postage wrll be returned to thesender. If you pay by check, ou au horrze us to use Information on our ‘ check to make an electronic nd transfer from your account at the nancral institution Indicated on your check or to process the pa ment as a check transaction. If a P ment is processed as an electronic nd transfer, thetransfer WIll be for he amount of the check, funds may be wrt rawn from your account as soon as the same day we receive your check, and you wrllnot recewe your check back. Please do not send cash. Sending cash is not allowed. The processing of your allowable form of Payment may be delayed If you send cash or correspondence with your Payments, if you send the Payment to any otheraddress or If you use an envelope other than the one provrded. Pa ments received at our processung faculity by 5PM local time on an day w: be _ credited to your Account as of that day..Pa ments receive at our rocessmg facrli after 5PM local time wrll be credlte to your Account as of he next d3. tyou hove misplaced your envelgpe send your Pa ment to Discover, P Box 6103, Carol Stream, lL 601 9 -6l 03. P ease a ow 7-10 days for delivery. If your Pa ment is returned unpaid Owe reserve the right to resubmit it as on electronic ebitz Payments made online or by phone will be credited as of the day of receipt if made by 5PM ET. You can also make a Payment or set up automatic. payments by calling 1-800-347-2683. Automatic payments for the billing period shown on yourstatement Will be deducted on the Payment Due Date shown on that statement, or the next automatic payment date referred to on your statement, unless you request a recurring payment dote that occurs before your PaymentDue Date. It your scheduled payment date falls on a weekend or bank holiday,dyour pa merit Will be processed the busmess day prior to theweeken r ban .holiday. |_n order to schedule monthly payments by . telephone, you Will need this statement and our bank account information.You will be asked to provrde the lost four (4 digits of the soaal security.number of the primary borrower gs your electronic si nature. By prowdingthose numbers, you Will be agreeing to this authorize ion to allow us and your bank to deduct each payment you author-2e, in the gmount selected b you, from your bank account. You also author'ze us to initiate debit or cre itentries to your bank account, as applicable, to correct an error in the processin of such ayment. Y_ou can cancel a scheduled pa ment by phoneat 1-800- 47-268 or by mail at Discover, PO Box 30421 , alt Lake Ci ,UT 841 30-0421" payment cancellations must be received before 5 PM E ofthe scheduled Withdrawal date. lf your payments may vary in amount, we will tell you on each monthly billingstatement when your paymentWIll be made and how much it Will e. Youmust ensure that suitiCIent funds are available in your bank account, and alltransactions must comply With U.S. law. CHANGE OF ADDRESS Open Date: May 27, 201 9 - Close Date: Jun 26, 201 9 Page 2 of 4 You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a xed dollar amount, or (iv) other dollar amount. If our scheduled "Other dollar amount" payment is not enough to cover the inimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. if your scheduled payment is greater than the New Balance on your billing statement, that payment wil be processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the billing statement based on credits or payments after the Close Date. If you enroll by phone in our automatic payment service, please till-in the fo lowing blanks below and retain the authorization for your records. Amount: D Full Pay DMin Pay U Min Pay+ 5 ; D Other Amount$ ; Bank Routing #2 ; Bank Account # ; Monthly on the U Payment Due Date D Day of month (insert date) Credit Reporting.We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at this address: Discover, PO Box 15316,Wilmington, DE 19850-5316. Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billin periods that begin in February). We will not charge you any interest on Purclgases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Date or the first day of the billing period in which the transaction posted to your Account. HowWe Calculate Interest Charges. We Use the Dail Balance Method gncluding current transactions) to calculate the Balance ubiect to Interest ate. For more information, please call us at 1-800-347-2683. Balance Sub'ect to Interest Rate. Your statement shows a Be‘lance Subiectto Interest Ra e. lt showst is for each transaction ca'egory. T _e Bmarkqe. Sub|edcl to Interest Rate ist e average of the daily ba ances during t e i ling perio . Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billin statement. A credit balance is money that is owed to you. You may make c arges against this amount if our Account is open. We will send you a refund of any remainin balance 0151 .00 or more after 6 months, or as otherwise required by app icable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Balance Transfers. Balance Transfers are offer d at our discretion andaccrue interest at the standard purchase rate un ess we tell you otherWise. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® card is issued by Discover Bank, Member FDlC. TL23-26N.02t8 r W If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Street Address Home Phone Work Phone City Email State, Zipa l To make changes to your address, email or telephone number, visit Discover.com Continued on next page Dlc IVER' Discover° More” Cord Account number ending in 297] Open Date: May 27, 2019 - Close Date: Jun 26, 2019 Page 3 of 4 Web [a Mobile Phone Inquiry Mail Payments Access your Q Manage your 1-800-DISCOVER Discover Discover account securely account anytime, (1 300347-2633) PO Box 30943 PO Box 61 03 at Discover.com anywhere at TDD 1-800-347-7449 Salt Lake Ciiy Carol Stream m.Discover.com UT 841 30 IL 601 97-61 O3 Transactions Trans. Date Post Date Payments and Credits Jun 20 Jun 2O PHONE PAYMENT - THANK YOU $ -360.00 Fees TOTAL FEES FOR THIS PERIOD s 0.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 232.58 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 232.58 201 9 Totals Year-to-Date TOTAL FEES CHARGED IN 2019 $ 0.00 TOTAL INTEREST CHARtGED IN 2019 5 1,380.1 3 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 31 days ANNUAL PERCENTAGE PROMO APR BALANCE SUBJECT TO INTEREST TYPE OF BALANCE RATE (APR)‘ EXPIRATION DATE” INTEREST RATE CHARGE Purchases 02/04/2016 and after 14.24% V N/A $467.37 $5.65 02/03/201 6 and prior 15.24% V N/A $1 0,744.37 $1 39.04 Expired Promotional Purchases Promotional Purchases 15.24% V N/A $6,789.09 $87.89 Cash Advances 26.24% V N/A $0.00 $0.00 V=Variab|e Rate t If your account is currently enrolled in a special program or is placed into one during the term of the offer, you will receive the benet of the lower rate while the special program is in effect. This includes, if applicable, any lower rates as authorized under the Servicemembers Civil Relief Act.“ This is the date your promotional rate expires and the remaining balance will be moved to your standard APR disclosed when you accepted the offer. Please note: Changing your payment due date may change your Promo APR Expiration Date. ‘" For more information, please call us at 1-800-347-2683. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION JANET M BUDERUS Account number ending in 2971 Open Date: May 27, 201 9 - Close Dale: Jun 26, 201 9 P0334 of 4 Information For You FICO“ Credit Score Terms Your FICO° Credit Score, key fadors, and other credit information use the FICO° Score 8 model. They are based on data from TransUnion° and may be different from other credit scores and other credit information provided by different bureaus. This information is intended for and only provided to Primary account holders who have on available score. Your score, key factors and other credit information are available on Discover.com and cardmembers are also provided a score on statements. Customers will see up to a year of recent scores online. Discover and other lenders may use different inputs, such as FICO° Credit Scores, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries. If you prefer not to receive your FICO° Credit Score iust call us at 1-800-DISCOVER (i -800-347-2683). Please give us two billing cycles to process your request. Discover Financial Services and Fair lsaoc are not credit repair organizations as dened under federal or state law, including the Credit Repair Organizations Ad. Discover Financial Services and Fair Isaac do not provide 'credit repair" services or assistance regarding "rebuilding' or 'improving" your credit record, credit history or credit rating. Availability of FICO‘ Credit Score As an active cardmember, you may see your FICO° Credit Score on your monthly statement or online. Reasons why you may not see your FICO° Credit Score include: if you opt out; if you have key information that is mismatched or missing, as one example, an address change that has not been updated with Discover or TransUnion’; if your credit history is too new; if your account status is abandoned, bankrupt, fraud, lost or stolen, closed, revoked, or charged off,- if you have a foreign address. Your FICO° Score is disclosed on statements when your statement is available. You may not receive a statement if you have no account activity such as no purchase transactions, fees, interest, or payments for approximately 30 days. Discover“ More” Cord Account number ending in 2971 Open Date: Apr 27, 201 9- Close Date: May 26, 201 9 Cordmember Since 2002 Page 1 of 4 N (Previous Balance $18,105.89 r New Balance $‘l 7,969.45 w Payments and Crediis ; $363.00 Minimum Paymem Due $36000PurChases so‘oo Payment Due Date June 21 , 2019Balance Transfers + $0.00 Cash Advances + $0.00 Late Payment Warning: If we do not receive your minimum paymenl by the Fees Charged + $0.00 dale listed above, you may have to pay a late fee of up lo $37.00 and your + purchase and balance transfer APR: for new transactions may be increased up towere“ Chars“ $22656 the Penalty APR of 19.24% variable. New Balance $l 7’969'45 Minimum Payment Warning: tf you make only the minimum payment each See Interest Charge Calculation section following the period, you will pay more in interest and it will take you longer to pay off your Transactions section for detailed APR information balance. For example: Credit Line $1 9,1 oo {g ‘._' mm??? 5E.". . . v ,1;,_‘,_. __;Credlt Line Available $1 ,l 30 I my g; g, I." : .3 __ _ val/En: Cash Advance Credit Line $3,400 32 years $47,003 . . . $625 3 years $22,491Cash Advance Credlt Line Available $1 ,1 30 (Savings: 524,51 2) You may be able to avoid interest on Purchases. , , . , , _ see reverse for dawns. k If you would like Information about credlt counseling serv1ces, call 1-800-347-1 l2].J ” |=|co ‘ REWARDS f O Anniversary Month WCashback Bonus Odober Your Ftco° Credit score on 5/20/1 9 Opening Balance $ 1-43 MSG-UM New Cashback Bonus This Period + $ 0.00 (Track recent FICO° Scores on our mobile app or online J Redeemed Th“ Pen°d ' s 0'00Cashback Bonus Balance $ 1.43 k To learn more, log in at Discovemom J . Make Check payable to Discover. Do Not Send Cash.NOTICE‘ SEE REVERSE SIDE FOR lMPORTANT INFORMATION Please fold on the perforatlon below, detach and return with your payment. Payment Coupon Pay Online e Pay by Phone r ‘8 bm‘éi’rgaaagfPlease do not fold, clip or staple. "‘ DIscover.com 18003412683 . . .5??? JANEr M BUDERus ' g750 47TH Ave spc 11 CAPITOLA CA 9501 0-3136 PO BOX 51 908 LOS ANGELES, CA 90051 -6208 Phone and Internet payments must be received by 5PM ET to be credited as ofthe some day. Address, e-mail or telephone changed? Note chonga on reverse side. JANEI' M BUDERUS Account number ending in 2971 lmporlan! Information See your CurdmemberAgreement Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediatelyl Call 1-800-347-2683. What To_ Do If You Think You Find A Mistake O_n Your Statement:lf you think there is an error on your statement, wnle to us at Discover, Box 30421 , Salt Lake City, UT 841 30-0421 , or submit the form provided ot https://discover.com/billingerrornotice. You must contact us within 60 do s after the error appeared on your statement. You may call us, but if you o we are not required to investigate any potential errors, and you may have to pa the amount in question. The Billing Rights Notice further explains your rig ts. Please see your Cardmember Agreement or visit httpsz/ldiscover.com/billingrights for a copy of this Notice. Payments. You may pay all or part of your Account balance at an time. However, you must pay at least the Minimum Payment Due by the ayment Due Date. Send only your allowable form of payment ‘Payment") and theoottom portion of this statement in the envelope prov: ed, after affixmg postage. Payments sent Without proper postage wull be returned to thesender. If you pay by check, yuou authorize us to use information on our check to rnake an electronic nd transfer from your account at the inanciol institution indicated on your check or to process the pa ment as a check transaction. If a P ment is processed as an electronic und transfer, thetransfer Will be for he amount of the check, funds may be Wit rawn rorn your account as soon as the same day we receive your check, and you Will not receive your check back. Please do not send cash. Sending cash is not allowed. The processing of your allowable form of Payment may be delayed if you send cash or correspondence with your Payments, if you send the Payment to any other address or If you use a_n envelope other than the one prowded. Paymentsreceived at our processing faCility by 5PM local time on 03y clay Wi b credited to your Account as of that day“ Pa ments receive at our rocessingfacili after 5PM local time Will be credite to your Account as of .e next d8. fyou hove misplaced your envelo;e send our Pa ent to Discover, P Box 6103, Carol Stream, IL 601 9 -6l03. P ease a ow Z-lO days for delivery. If your P ment is returned unpaid _we reserve the right to resubmit it as on electronic ebitnrayments made online or by phone will be credited as of the day of receipt i mode by 5PM ET. You can also make a Payment or set up automatic. payments by calling1-800-347-2683. Automatic payments for the billing period shown on your statement will be deducted on the Payment Due Date shown on that statement, or the next automatic payment date referred to on your statement, unless you request a recurring payment date that occurs before your PaymentDue Date. lf your scheduled payment date falls on a weekend or bank holidayayour p merit Will be processed the busmess day prior to theweeken r ban .holidoy. |_n order to schedule monthly payments by . telephone, you Will need this statement and our bank account information.You will be asked to prowde the lost four (4 digits of the soaal security.number of the primary borrower as your electronic 5i nature. By providingthose numbers, you Will be agreeing to this authoriga ion to allow us and your bank to deduct each payment you authorize, in the amount selected b you, from your bank account. You also authorize us to initiate debit or cre itentries to your bank account, as applicable, to correct an error in the processingof such ayment. You can cancel a scheduled pa ment by phoneat -800- 47-268 or by mail at Discover, PO Box 30421, alt Lake City,UT 841 30-0421- payment cancellations must be received before 5 PM E ofthe scheduled Withdrawal date. If your payments may vary in amount, we will tell you an each monthly billingstatement when your payment Will be made and how much it Will be. You must ensure that sufficient funds are available in your bank account, and alltransactions must comply With U.S. laW. CHANGE OF ADDRESS Open Date: Apr 27, 201 9 - Close Date: May 26, 201 9 Page 2 of 4 You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a xed dollar amount, or (iv) other dollar amount. lf your scheduled 'Other dollar amount” payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month Will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. lf your sd'ieduled payment is greater than the New Balance on your billing statement, that payment wil be processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the billing statement based on credits or payments after the Close Date. If ou enroll by phone in our automatic payment service, please fill-in the fo lowing blanks below and retain the authorization for your records. Amount: D Full Pay DMin Pay D Min Pay+ S ; U Other Amount$ ; Bank Routing #: ; Bank Account # ; Monthly on the U Payment Due Date D Day of month {insert date) Credit Reporting.We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. if you believe that our report is inaccurate or incomplete, please write us at this address: Discover, PO Box 1531 6,Wilmington, DE 19850-5316. Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billin periods that begin in February). We will not charge you any interest on Purc ases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Date or the rst day of the billing period in which the transaction posted to your Account. HowWe Calculate Interest Charges. We Use the Dail Balance Method (including current transactions) to calculate the Balance ubiect to Interest Rate. For more information, please call us at 1-800-347-2683. Balance Sub'ect to Interest Rate. Your statement shows a Balance Subjectto Interest Ra e. It shows this for each transaction category. The Bala ce Sub_|e§t to interest Rate is e average of the daily ba ances during the illing perio . Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billin statement. A credit balance is money that is owed to you. You may make c arges against this amount if our Account is open. We will send you a refund of any remainin balance o $1 .00 or more after 6 months, or as otherwise required by app icable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Balance Transfers. Balandce Transfrs are offer d at our discretion andaccrue interest at the st ard purc ase rate un ess we tel you otherWIse. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® card is issued by Discover Bank, Member FDIC. TL23.26N.0218 lf correct on front, do not use. Please print clearly in blue or black ink, in the space provided. \ Street Address Home Phone Work Phone City Email State, Zip k To make changes to your address, email or telephone number, visit Discover.com Continued on next page DISC , VER' CONTACT US Discover” More” Card Account number ending in 2971 Open Daie: Apr 27, 2019 - Close Date: May 26, 2019 Page 3 of 4 Web 12, Mobile Phone Inquiry Mail Payments Access your B Manage your 1-800-DISCOVER Discover Discover account securely account anytime, (1 -800-347-2683) PO Box 30943 PO Box 61 03 at Discover.com anywhere at TDD 1-800-347-7449 Salt Lake City Carol Stream m.Discover.com UT 841 30 IL 601 97-61 03 Transactions Trans. Date Post Date Payments and Credits May 2] May 21 PHONE PAYMENT - THANK YOU $ -363.00 Fees TOTAL FEES FOR THIS PERIOD 5 0.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 226.56 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 226.56 201 9 Totals Year-to-Date TOTAL FEES CHARGED IN 2019 $ 0.00 TOTAL INTEREST CHARGED IN 201 9 $ I,I47.55 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 30 days ANNUAL PERCENTAGE PROMO APR BALANCE SUBJECT TO INTEREST TYPE OF BALANCE RATE (APR)‘ EXPIRATION DATE” INTEREST RATE CHARGE Purchases 02/04/2016 and utter 14.24% V N/A $831 .27 $9.72 02/03/2016 and prior 15.24% V N/A $1 0,608.43 $132.87 Expired Promotional Purchases Promotional Purchases 15.24% V N/A $6,703.20 $83.97 Cash Advances 26.24% V N/A $0.00 $0.00 V=Variable Rate t If your account is currently enrolled in a special program or is placed into one during the term of the offer, you will receive the benet of the lower rate while the special program is in effect. This includes, if applicable, any lower rates as authorized under the Servicemembers Civil Relief Act. “' This is the date your promotional rate expires and the remaining balance will be moved to your standard APR disclosed when you accepted the offer. Please note: Changing your payment due date may change your Promo APR Expiration Date. “‘ For more information, please call us at 1-800-347-2683. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION JANET M BUDERUS Account number ending in 2971 Open Dole: Apr 27, 201 9 - Close Date: May 26, 201 9 Page 4 of 4 Information For You FICO° Credit Score Terms Your FICO° Credit Score, key fodors, and other credit information use 1he FICO” Score 8 model. They are based on daio from TransUnion” and may be different from other credit scores and other credit information provided by different bureaus. This information is intended for and only provided to Primary account holders who have an available score. Your score, key factors and other credit information are available on Discover.com and cardmembers are also provided a score on statements. Customers will see up to a year of recent scores online. Discover and other lenders may use different inputs, such as FICO° Credit Scores, other credit scores and more information in credit decisions. This benet may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries. If you prefer not to receive your FlCO” Credit Score iust call us at l-BOO-DISCOVER (l -800-347-2683). Please give us two billing cycles to process your request. Discover Financial Services and Fair lsaac are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act. Discover Financial Services and Fair Isaac do not provide "credit repair' services or assistance regarding "rebuilding' or "improving" your credit record, credit history or credit rating. Availability of FICO” Credit Score As an active cardmember, you may see your FICO° Credit Score on your monthly statement or online. Reasons why you may not see your FlCO’ Credit Score include: if you opt out; if you have key information that is mismatched or missing, as one example, an address change that has not been updated with Discover or TransUnionc; if your credit history is too new; if your account status is abandoned, bankrupt, fraud, lost or stolen, closed, revoked, or charged off,- if you have a foreign address. Your FICO° Score is disclosed on statements when your statement is available. You may not receive a statement if you have no account activity such as no purchase transactions, fees, interest, or payments for approximately 30 days. DISC VER' Discover” More” Card Account number ending in 2971 Open Dale: Mar 27, 201 9- Close Daie: Apr 26, 201 9 Cordmember Since 2002 Page 1 of 6 (Previous Balance $1 8,270.7? r New Balance $1 8,1 05.89 W Payments and Credits I; $400.00 Minimum Paymem Due $36300 PurChases so'oo Payment Due Date May 21 , 201 9Balance Transfers ‘l' $0.00 Cash Advances + $0.00 Late Payment Warning: If we do not receive your minimum payment by the Fees Charged + $000 date listed above, you may have to pay a late fee of up to $37.00 and your + purchase and balance transfer APRs for new transactions may be increased up to"“9”" Chm“ ”35' l 5 the Penalty APR of 19.24% variable. New Balance s] 8’105'89 Minimum Payment Warning: If you make only the minimum payment each See Interest Charge Calculation section following the period, you will pay more in interest and it will take you longer to pay off your Transactions section for detailed APR information balance. For example: . . 4" V“ V; "'‘ " 2%}Eia' ’5'i1fu y I W V V 7 l" , r‘ I‘:' isn‘t? it“ 'I ___' 1'3; 2:: ti: Available s] :ggj gigging; " 5” n‘lrll’ wg “ J "is; I' “gag? 1‘2 l‘ I mu ' 15%34 C mfg: -1‘.. '-i 19-53%!» . u x #7231}? '- :2- COSh Advance Credit Line $3.400 Only the minimum payment 32 years $47,368 . . . $629 3 years $22,656Cash Advance Credit Line Avallable $994 (savings: $24,“ 2) b bl t 'd ' t st P h . :2: gyeyrs:fgr deetznasvm m ere on urc use: k lf you would like information about credit counseling services, call 1-800-347-1 121 .k i J i |=|co_ ‘ REWARDS cashback Bonuso Anniversary Month WOctober Your Flco° Credit score on 4/20/1 9 Opening Balance $ 1-43 mam-Maw New Cashback Bonus This Period + $ 0.00 [rack recent scores on the FlCO page in this statement J Redeemed Th" Pen°d - $ 0.00Cashback Bonus Balance $ 1 .43 To learn more, log in at Discover.com NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Make Check payable to Discover. Do Not Send Cash.Please fold on the perforation below, detach and return with your payment. Payment Coupon Please do not fold, clip or staple. Discover.coml JANET M BUDERUS 750 47TH AVE SPC 1 1 CAPITOLA CA 9501 0-31 36 Phone and Internet payments must be received by 5PM ET to be credited as of the same day. Pay Online G Address, e-mail or telephone changed? Note changes on reverse side. Pay by Phone 1-800-347-2683 PO BOX 51 908 LOS ANGELES, CA 90051 -6208 JANET M BUDERUS Account number ending in 2971 Impoant Information See your CurdmemberAgreement. Your Cardmember Agreemen! contains all the terms of your Account Losi or stolen cards. Report immediately] Call 1-800-347-2683. What Lo o If You Think You Find A Mistake O_n Your Statomant: If you 1 m there is an error on your statement, write to us ot Discover, PO Box 30421 , Salt Lake City, UT 841 30-0421 , or submit the form provided at https://discover.corn/biIlingerrornotice. You must contact us within 60 days after the error appeared on your statement. You may call us, but if you do we are not required to investigate any potential errors, and you may have to pa the amount in question. The Billing Rights Notice further explains your rig ts. Please see your Cardmember Agreement or visit https://discover.com/billingrights for a copy of this Notice. Payments. You may pay all or part of your Account balance at any time. However, you must pay at least the Minimum Payment Due by the ayment Due Date. Send only your allowable form of payment "Payment") pnd thebottom portion of this statement In the envelope prov: ed, after affixmg postage. Payments sent wrhout proper postage Will be returned to the sender. | you pay by checx, ou au honze us to use information on our . check to make an electron-c und transfer from your account at the nanctal institution indicated on your check or to process the pa ment as a chec transaction. If a Pa ment is processed as an electronic und transfer, the transfer Will be for ihe amount of the check, funds may be withdrawn from your account as soon as the same day we receive your check, and you will not receive your check back. Please do not send cash. Sending c sh is not allowed. The processing of your allowable form of Payment may_ e delayed rf you send cash or correspondence with your Payments, if you send the Payment to any otheraddress or if you use an envelope other than the one prowded. Pa meritsreceived at our processmg taCility by 5PM local time on an day WI be _ credited to your Account as of that day. P merits receive at our rocessmg faCIli after 5PM local time Will be credite to your Account as of .e nextda . fyou hove misplaced your envelope, send our Pa ent to Discover,PJBox 6103, Caro Str am, IL 601 9 -6l 03. P ease a ow 7-10 days for delivery. If your Payment is returned unpaid .we reserve the right to resubmit it as on electronic debit. Payments made on Ine or by phone Will be credited as of the day of receipt if made by 5PM ET. You can also make a Payment or set up automaticpaymeints by calling1-800-347-2683. Automatic payments for the billing period shown on your statement will be deducted on the Payment Due Date shown on that statement, or the next automatic payment date referred to on your statement, unless you request a recurring payment date that occurs before your Payment Due Date. If your scheduled payment date falls 9n a weekend or ban holiday,dyour payment Will be processed the busmess day prior to the weaken r ban .holiday. l_n order to schedule monthly payments by _ telephone, you Will need this statement and our'bank account information.You will be asked to prowde the lost four (4rdigits of the soaal security.number of the primary borrower _as your electronic 5i nature. By prowding those numbers, you Will be agreeing to this au‘horiza ion to allow us and your bank to deduct each payment you author ze, in the amount selected b you, from your bank account. You also author ze us to initiate debit or cre it entries to your bank account, as applicable, to correct an error in the processin of such ayment. You can cancel a scheduled ment by phone at 1-800- 47-268 or by mail at Discover, PO Box 30421, alt Lake City,UT 841 30-0421; payment cancellations must be received before 5 PM E of the scheduled Withdrawal date. If your payments may vary in amount, we will tell you on each monthly billing statement when our paymentWIll be made and how much it will be. ou must ensure tha sufaent funds are available in your bank account, and alltransactions must comply Wit . . aw. CHANGE OF ADDRESS Open Date: Mar 27, 201 9 - Close Date: Apr 26, 201 9 Page 2 of 6 You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a xed dollar amount, or (iv) other dollar amount. If your scheduled "Other dollar amount” payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month Will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. If your scheduled payment is greater than the New Balance on your billing statement, that payment Wil be processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the billing statement based on credits or payments after the Close Date. If ou enroll by phone in our automatic payment service, please fill-in the fo lowing blanks below and retain the authorization for your records. Amount: D Full Pay DMin Pay UMin Pay+ $ ; D Other Amount$ ,- Bank Routing #: ; Bank Account # ; Monthly on the U Payment Due Date U Day of month (insert date) Credit Reporting.We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. lf you believe that our report is inaccurate or incomplete, please write us at this address: Discover, PO Box 15316,Wilmington, DE 19850-531 6. Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billin periods that begin in February). We will not charge you any interest on Purcgases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Date or the rst day of the billing period in which the transaction posted to your Account. HowWe Calculate Interest Charges. We Use the Dail Balance Method gncluding current transactions) to calculate the Balance ubiect to Interest ate. For more information, please call us at 1-800-347-2683. Balance Sub'ect to Interest Rate. Your statement shows a Balance Subjectto Interest Ra e. It showst is for each tra suction ca egory. The Bl‘a 9?,Suble to Interest Rate ist e average oft e daily ba ances duringt erbi ling perio . Credit Balances. lf your Account has a credit balance, the amount is shown on the front of your billin statement. A credit balance is money that is owed to you. You may make c arges against this amount if our Account is open. We will send you a refund of any remainin balance o $1 .00 or more after 6 months, or as otherwise required by app icable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Balance Transfe . Balance Transfers are offered at our discretion andaccrue interest at t e standard purchase rate unless we tell you otheMise. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® card is issued by Discover Bank, Member FDIC. Tiza.26N.o218 K W If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Street Address Home Phone Work Phone City Email State, Zip To make changes to your address, email or telephone number, visit Discover.com Continued on next page VER Discover° More” Cord' Account number ending in 2971 Open Date: Mar 27, 201 9 - Close Date: Apr 26, 201 9 Page 3 of 6 DISC CONTACT US Web , Mobile Phone Inquiry Mail Payments l 9 Access your g Manage your e 1-800-DISCOVER Discover e Discoveraccount securely account anytime, (1 -300-347-2683) PO Box 30943 PO Box 61 03 at Discover.com anywhere at TDD 1-800-347-7449 Salt Lake City Carol Stream m.Discover.com UT 841 30 IL 60] 97-61 O3 f Important Changes To Your Account Terms 1 The following is a summary ol changes that are being made to your Account terms. For more detailed information and additional changes to your Account terms, please refer to the Explanation of Changes to your Cardmember Agreement enclosed with this statement. You have the right i to reject the change to the Balance Transfer Fee. However, if you do reject the change, you will not be able to use your Account for Balance Transfers. You can reiect the change to the Balance Transfer Fee by calling us at l-800-973-5 l 50 before July l, 201 9. You do not have the 5 right to reject any change to your Account terms other than the Balance Transfer Fee. Revised Terms uafluly I, 2019 Lao Fee Up to $39 Returned Payment Fee Up to $39 “a":cméoamrmnw 5% of the amount of each transfer Transactions Trans. Date Post Date Payments and Credits Apr 16 Apr 16 PHONE PAYMENT - THANK YOU $ -400.00 Fees TOTAL FEES FOR THIS PERIOD 3 0.00 Interest Charged INTEREST CHARGE ON PURCHASES 3 235.1 5 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 235.1 5 201 9 Totals Year-to-Date TOTAI. FEES CHARGED IN 2019 s _ 0.00 TOTAL INTEREST CHARGED IN 2019 3 920.99 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 3T days ANNUAL PERCENTAGE PROMO APR BALANCE SUBJECT TO INTEREST TYPE OF BALANCE RATE (APR)‘ EXPIRATION DATE” INTEREST RATE CHARGE Purchases 02/04/2016 and after 14.24% V N/A $1,128.43 $13.63 02/03/2016 and prior 15.24% V N/A $1 0,496.09 $1 35.83 Expired Promotional Purchases Promotional Purchases 15.24% V N/A $6,618.37 $85.69 Cash Advances 26.24% V N/A $0.00 $0.00 V=Variab|e Rate‘ If your account is currently enrolled in a special program or is placed into one during the term of the offer, you will receive the benet of the lower rate while the special program is in effect. This includes, if applicable, any lower rates as authorized under the Servicemembers Civil Relief Act." This is the date your promotional rate expires and the remaining balance will be moved to your standard APR disclosed when you accepted the offer. Please note: Changing your payment due date may change your Promo APR Expiration Date. “‘ For more information, please call us at 1-800-347-2683. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION JANET M BUDERUS Account number ending in 2971 Open Date: Mar 27, 2019 - Close Dale: Apr 26, 201 9 Page 4 of 6 Information For You FICO° Credit Score Terms Your FICO° Credit Score, key factors, and other credit information use the FICO” Score 8 model. They are based on data from TransUnion° and may be different from other credit scores and other credit information provided by different bureaus. This information is intended for and only provided to Primary account holders who have an available score. Your score, key factors and other credit information are available on Discover.com and cardmembers are also provided a score on statements. Customers will see up to a year of recent scores online. Discover and other lenders may use different inputs, such as FICO° Credit Scores, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries. If you prefer not to receive your FlCO° Credit Score iust call us at i-800-DlSCOVER (i -800-347-2683). Please give us two billing cycles to process your request. Discover Financial Services and Fair lsaac are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act. Discover Financial Services and Fair Isaac do not provide 'credit repair" services or assistance regarding "rebuilding' or "improving" your credit record, credit history or credit rating. Availability of FICO° Credit Score As an active cardmember, you may see your FICO° Credit Score on your monthly statement or online. Reasons why you may not see your FICO° Credit Score include: if you opt out; if you have key information that is mismatched or missing, as one example, an address change that has not been updated with Discover or TransUnion’; if your credit history is too new; if your account status is abandoned, bankrupt, fraud, lost or stolen, closed, revoked, or charged off; if you have a foreign address. Your FICO° Score is disclosed on statements when your statement is available. You may not receive a statement if you have no account activity such as no purchase transactions, fees, interest, or payments for approximately 30 days. K Discover° More” Card Account number ending in 297] Open Date: Mar 27, 201 9- Close Date: Apr 26, 201 9 Cardmember Since 2002 Page 5 of 6 Your FICO® Credit Score Hisio Exceptional 800 - 850 Very Good 740-799 Good 670-739 Fair 580-669 Poor 300 - 579 05/18 06/18 07/18 08/18 09/18 10/18 11/18 12/18 01/19 02/19 03/19 04/19 Important lnformalion: - We may not always receive a score for you each month, so there may be months with no scores. - For questions on the availability of your score go to the ”Information For You' section of this statement. This chart will be shown in every Jan, Apr, Jul and Oct statement when you have up to 12 months of scores. Log in to Discover.com/FICO any time to see key factors that help explain your scores. FlCO®Credit Scores consider the following for the general population: 35% Payment History ........... _.. . - 30% Amounts Owed 10% New Credit 10% CredltMix .. _ .. . -- 15% length at Credit See FICO° Credit Score Terms on the 'Information For You' section otthis statement 201 7 Discover Bank, Member FDIC CODE_SUM_01 19 \ JANET M BUDERUS Account number ending in 2971 Open Daie: Mar 27, 2019 - Close Dale: Apr 26, 201 9 Page 6 of 6 VR .. .. Discovero More card Accouni number ending in 297] Open Date: Feb 27, 201 9- Close Date: Mar 26, 201 9 Cardmember Since 2002 Page 1 of 6 r ' N w Previous Balance 513,1 80.55 New Balance $1 8,270.74 Payments and Credits I; $400.00 Minimum payment Due $366.00 PurChases $27739 Payment Due Date April 21 , 201 9 Balance Transfers + $0.00 Cash Advances + $0.00 Late Payment Warning: If we do not receive your minimum payment by the Fees charged + $000 daterlisted agogel, you mayslzave to pay a late fee of up to $37.00 and your + purc as an a once tr n er APRs for new transactions may be increased up to"we" Chmged $21 2'20 the Penalty APR of 19.24% variable. New Balance ' 5‘8’270'74 Minimum Payment Warning: If you make only the minimum payment each See Interest Charge Calculation section following the period, you will pay more in interest and it will take you longer to pay off your Transactions section for detailed APR information balance. For example: Credil Line $19,100 If”4%???”g y é’f ,. _‘ r :__. . . ‘ ‘ l ' 4 I“Credit Llne Avallable $829 I vg IE???“ :_ iii Cusl'l Advance Cred“ Line $3,400 Only the minimum pqment . . . $635 lCash Advance Credlt Line Available $829 (Savings: $24,975) Y b bl t 'd ’ t st P h . 5:: :grseefgr seizilas‘fo' In ere on WC uses k If you would like information about credit counseling services, call 1-800-347-1 l2] .J r F|co ‘ REWARDSu Anniversary MonthoCashback Bonus . Odober Your Flcoo Credit scare an 3/20/1 9 Opening Balance $ 0-74 WWW New Cashback Bonus This Period {Track recent FICO° Scores on our mobile app or online J Reggm3?:ifl;:od ‘l: g 383 Cashback Bonus Balance $ 1 .43 To learn more, log in at Discovemom J Make Check payable to Discover. Do Not Send Cash.NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Please fold on the perforation below, detach and return with your payment. Payment Coupon Pay Online Pay by Phone Please do not fold, clip or staple. Discovercom 1-800-347-2683 "III'I'IInllltn"IlliltllulnlllmlllIt'llllllllllllmlllll JANET M BUDERUS . '2' 750 47TH AVE SPC l l CAPITOLA CA 9501 0-31 36 Po BOX 51908 L05 ANGELES, CA 90051 -6208 IllIII"IIIIIllllltllllllllllll""IIIIIIllllllllplulllnll"Phone and Internet payments must be received by 5PM ET to be credited as ot the same day. Address, e-mail er telephone changed? Note changes on reverse side. JANET M BUDERUS Account number ending in 2971 Important Information See your CardmemberAgreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately! Call 1-800-347-2683. What To Do If You Think You Find A Mistake Qn Your Statement: If you think there is an error on your statement, write to us at Dlscover, PO Box 30421 , Salt Lake City, UT 84 i 30-0421 , or submit the form provided at https://discover.com/billingerrornotice. You must contact us within 60 days after the error appeared on your statement. You may call us, but if you do we are not required to investigate any potential errors, and you may have to pa the amount in question. The Billing Rights Notice further explains your rig ts. Please see your Cardmember Agreement or visit https://discover.com/billingrights for a copy of this Notice. Payments. You may pay all or part of your Account balance at anytime.However, you must pay at least the Minimum Payment Due by the aymentDue Date. S_end only your allowable form of payment "Payment") and thebottom portion of this statement In the envelope prov: ed, after afxmg postage. Payments sent Without proper postage wull be returned to thesender. If you pay by chec|_<, ou au horize us to use Information ongourcheck to make on electronic und transfer from your account at the nancial institution indicated on your check or to process the pa ment as a check transaction. If a Payment is processed as an electronic und transfer, thetransfer Will be for he amount of the check, funds may be Withdrawn from your account as soon as the same day we receive your check, and you Will not receive your check back. Please do not send cash. Sending cosh is not allowed. The processing of your allowable form of Payment maybe delayed if you send cash or correspondence wrth your Payments, if you send the Payment to any other address or if you use qn envelope other than the one provrded. Polymentsreceived at our processing faCIlity by 5PM local time on any day wi be credited to your Account as of that day“ P ments received at our rocessingfacili after 5PM local time Will be credite to your Account as of e next d . f you have misplaced your envelgpe send our Pa ment to Discover,Pgaox 6103, Carol Stream, IL 601 9 -6i 03. P ease al ow 7-10 days for delivery. If your Pa ment is returned unpaid 'we reserve the rig-ht to resubmit it as on electronic e_bit.. Payments made online or by phone Will be credited as of the day of receipt if made by 5PM ET. You can also make a Payment or set up automatic. payments by calling 1-800-347-2683. Automatic payments for the billing period shown on your statement Will be deducted on the Payment Due Date shown on that statement, or the next automatic payment date referred to on your statement, unless you request a recurring payment date that occurs before your Payment Due Date. lf your scheduled payment date falls on a weekend or bank holiday, your payment Will be processed the busmess day prior to the weekend or ban .holiday. [n order to schedule monthly payments by . telephone, you Will need this statement and ourbank account information.You will be asked to prowde the lost four (4idigits of the sacral securitynumber of the primary borrower as your electronic st nature. By providingthose numbers, you Will be agreeing to this authorrza ion to allow us and your bank to deduct each payment you authorize, in the amount selected b you, from your bank account. You also authorize us to initiate debit or cre itentries to your bank account, as applicable, to correct an error in the processin of such ayment. You can cance a sc uled pa ment by phoneat 1-800- 47-268 or by mail at Discover, PO Box 3942i, alt Lake City,UT 841 30-0421; payment cancellations must be received before 5 PM E of the scheduled Withdrawal date. If your payments may vary in amount, we will tell you on each monthly billing statement when our payment Will be made and how much it Will be. oumust ensure tha sufcient funds are available in your bank account, and all transactions must comply With U.S. law. CHANGE OF ADDRESS Open Date: Feb 27, 201 9 - Close Date: Mar 26, 201 9 Page 2 of 6 You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) other dollar amount. lf your scheduled “Other dollar amount" payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess Will be applied in accordance with your Cardmember Agreement. If your scheduled payment is greater than the New Balance on your billing statement, that payment wil be processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the billing statement based on credits or payments after the Close Date. If ou enroll by phone in our automatic payment service, please fill-in the to lowing blanks below and retain the authorization for your records. Amount: U Full Pay UMin Pay DMin Pay+ S ; DOther Amount$ ; Bank Routing #: ; Bank Account # ; Monthly on the D Payment Due Date D Day of month (insert date) Credit Reporting.We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us ot this address: Discover, PO Box 15316,\Mlmington, DE 19850-5316. Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billin periods that begin in February). We Will not charge you any interest on Purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Date or the rst day of the billing period in which the transaction posted to your Account. HowWe Calculate Interest Charges. We Use the Dai Balance Method (including current transactions) to calculate the Balance ubiect to Interest Rate. For more information, please call us at 1-800-347-2683. to Interest Ra e. It showst is for each transaction category. The Balance Sublegt to Interest Rate is t perio . Balance Subj ct to Interehst Rate. Your statement shows a Balance Subject e average of the daily balances during the billing Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if our Account is open. We will send you a refund of any remainin balance 0’31 .00 or more after 6 months, or as otherwise required by app icable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Balance Transfers. Balance Transfers are offered at our discretion andaccrue interest at the standard purchase rate un ess we tel you otherwrse. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® card is issued by Discover Bank, Member FDIC. n23-26Nmis f \ If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Street Address Home Phone Work Phone City Email State, Zip \ J To make changes to your address, email or telephone number, visit Discover.com Continued on next page Disc CONTACT US Account number ending in 297] Open Daie: Feb 27, 2019 - Close Date: Mar 26, 201 9 Page 3 of 6 Web Kr, Mobile Phone Inquiry Mail Payments -_ Access your a Manage your 1-800-DISCOVER Discover Discover account securely account anytime, (1 -800-347-2683) PO Bax 30943 PO Box 6103 at Discover.com anywhere at TDD 1-800-347-7449 Salt Lake City Carol Stream m.Discover.com UT 841 30 IL 601 97-61 03 Transactions Trans. Date Post Date Payments and Credits Mar 21 Mar 21 INTERNET PAYMENT - THANK YOU $ -400.00 Travel/Entertainment Mar 23 Mar 23 ENTERPRISE RENT-A-CAR 970-3563008 CO $ 277.99 Fees TOTAL FEES FOR THIS PERIOD s 0.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 21 2.20 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 21 2.20 201 9 Totals Year-to-Date TOTAL FEES CHARGED IN 201 9 5 0.00 TOTAL INTEREST CHARGED IN 201 9 5 685.84 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 28 days ANNUAL PERCENTAGE PROMO APR BALANCE SUBJECT TO INTEREST TYPE OF BALANCE RATE [APR)‘ EXPIRATION DATE“ INTEREST RATE CHARGE Purchases 02/04/201 6 and after 14.24% V N/A $1 ,291 .79 $1 4.09 02/03/201 6 and prior 15.24% V N/A $1 0,407.74 ' $1 21 .65 Expired Promotional Purchases ‘ Promotional Purchases 15.24% V N/A $6,537.31 $76.46 Cash Advances 26.24% V N/A $0.00 $0.00 Balance Transfers 0.00% 03/26/1 9 $0.00 $0.00 V=Variable Rate " If your account is currently enrolled in a special program or is placed into one during the term of the offer, you will receive the benefit of the lower rate while the special program is in effect. This includes, if applicable, any lower rates as authorized under the Servicemembers Civil Relief Act.“ This is the date your promotional rate expires and the remaining balance will be moved to your standard APR disclosed when you accepted the offer. Please note: Changing your payment due date may change your Promo APR Brpiration Date. ‘“ For more information, please call us at 1-800-347-2683. Information For You Your Billing Rights: KeegThis Document For Future Use This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. What To Do If You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at: Discover PO Box 30421 Salt Lake City, UT 841 30-0421. You may also contact us on the Web: https://discover.com/bi||ingerrornotice NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION JANET M BUDERUS Account number ending in 2971 Open Date: Feb 27, 20] 9 - Close Date: Mar 26, 2019 Page 4 of 6 Information For You Continued In your Ieer or on the Web, please give us the following information: - Account information: Your nome and account number. ' Dollar amount: The dollar amount of the suspected error. - Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us: - Within 60 days after the error appeared on your statement. - By 5:00 P.M. ET on the date an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. You must notify us of any potential errors in writing or electronically. You may call us, but if you do we are not necessarily required to investigate any potential errors and you may have to pay the amount in question. WhatWill Happen After We Receive Your Letter or Web Submission When we receive your written or electronic notice, we must do two things: i. Within 30 days of receiving your notice, we must tell you that we received it. We will also tell you if we have already corroded the error. 2. Within 90 days of receiving your notice, we must either correct the error or explain to you why we believe the bill is correct. While we investigate whether or not there has been an error: - We cannot try to collect the amount in question, or report you as delinquent on that amount. - The charge in question may continue to appear on your statement. - While you do not have to pay the amount in question, you are responsible for the remainder of your balance. - We can apply any unpaid amount against your credit limit. After we finish our investigation, one of two things will happen: ~ If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. ~ It we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe. If you receive our explanation but still believe your bill is wrong, you must write to us (or visit https://discover.com/billingerrornotice) within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct. Your Rights If You Are Dissatisfied With Your Credit Card Purchases lf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 'I. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. lf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing or electronically at: Discover PO Box 30945 Salt Lake City, UT 841 30-0945 https://discover.com/billingerrornotice While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. DISC VER“ a Discover“ More” Cord Account number ending in 2971 Open Date: Feb 27, 201 9 - Close Date: Mar 26, 201 9 Page 5 of 6 Information For You Continued FICO° Credit Score Terms Your FICO° Credit Score, key factors, and oiher credit information use the FICO° Score 8 model. They are based on data from TransUnion° and may be different from other credit scores and other credit information provided by different bureaus. This information is intended for and only provided to Primary account holders who have an available score. Your score, key factors and other credit information are available on Discover.com and cardmembers are also provided a score on statements. Customers will see up to a year of recent scores online. Discover and other lenders may use different inputs, such as FICO° Credit Scores, other credit scores and more information in credit decisions. This benefit may change or end in the future. FlCO is a registered trademark of the Fair Isaac Corporation in the United States and other countries. If you prefer not to receive your FICO° Credit Score iust call us at i-800-DISCOVER (i -800-347-2683). Please give us two billing qcles to process your request. Discover Financial Services and Fair Isaac are not credit repair organizations as dened under federal or state law, including the Credit Repair Organizations Act. Discover Financial Services and Fair lsaac do not provide "credit repair' services or assistance regarding "rebuilding' or "improving" your credit record, credit history or credit rating. Availability of FICO° Credit Score As an active cardmember, you may see your FICO” Credit Score on your monthly statement or online. Reasons why you may not see your FICO” Credit Score include: if you opt out; ifyou have key information that is mismatched or missing, as one example, an address change that has not been updated with Discover or TransUnion’; if your credit history is too new; if your account status is abandoned, bankrupt, fraud, lost or stolen, closed, revoked, or charged off,- if you have a foreign address. Your FICO° Score is disclosed on statements when your statement is available. You may not receive a statement if you have no account activity such as no purchase transactions, fees, interest, or payments for approximately 30 days. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION JANET M BUDERUS Account number ending in 2971 Open Date: Feb 27, 201 9 - Close Date: Mar 26, 201 9 Page 6 of 6 DISC VER Discover° More’ Card Account number ending in 2971 Open Dore: Jun 27, 201 9- Close Daie: Feb 26, 20] 9 Cardmember Since 2002 Page 1 of 4 N r N rPrevious Balance $1 8,31 1.51 New Balance $1 8,] 80.55 Paymenis and Creds -'+- $367.00 Minimum Paymem Due $36400 Purdmses so'oo Payment Due Date March 21 , 2019 Balance Transfers + $0.00 Cash Advances + $0.00 Late Paymenl Warning: If we do not receive your minimum payment by the Fees Charged + $0.00 date listed above, you may have to pay a late fee of up to $37.00 and your + purchase and balance transfer APR: for new transactions may be increased up towere“ Charged $23604 the Penalty APR of 19.24% variable. New Balance $1 8’] 80'55 Minimum Payment Warning: If you make only the minimum payment each See Interest Charge Calculation section following the period, you will pay more in interest and it will take you longer to pay off your Transactions section for detailed APR information balance. For example: Credit Line $1 9,100 ' “3’ g; . . . Credit Line Available $91 9 ‘ ' ,_ . Cash Advance Credit Line $3,400 he minimum payment 32 years I $47,531 . . . $632 3 years $22,743Cash Advance Credit Llne Available $91 9 (Savings: $24,788) Y b bl t 'd ‘ t est P h . 5:: Sgrseefgr deetzivm m er on um uses J k If you would like information about credit counseling services, call 1-800-347-1 121.k .' Flco ‘ REWARDS Cashback Bonus° Annivem'y M°mh NOctober Your FICO° Credit Score on 2/20/1 9 Opening Balance 5 0-74 Wham New Cashback Bonus This Period + $ 0.00 Jrack recent FICO° Scores on our mobile app or online J Redeemed Th's Per'od ' s 0'00Cashback Bonus Balance $ 0.74 To learn more, log in at Discover.cam J Make Check payable to Discover. Do Not Send Cash.NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Please fold on the perforation below, detach and return with your payment. Payment Coupon 9 Pay Online Pay by PhonePlease do not fold, clip or staple. Discover.com 148003472683 IIIlllllllllllmIllllllllllnllllllllllllIII"Inlllll|lllllllll JANET M BUDERUS 750 47TH AVE SPC l l CAPITOLA CA 9501 0-31 36 PO BOX 51 908 LOS ANGELES, CA 90051 -6208 Phone and Internet payments must be received by 5PM ET to be credited as ofthe same day. Address, e-mail or telephone changed? Note changes on reverse side. JANET M BUDERUS Account number ending in 2971 lmpoani Information Sea your CardmemberAgreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cords. Report immediately! Call 1-800-347-2683. What To o If You Think You Find A Mistake O_n Your Statement: If you thin ere is an error on your statement, write to us at Discover, PO Box 30421 , Salt Lake City, UT 841 30-0421 , or submit the form provided at https://discover.com/billingerrornotice. You must contact us within 60 days after the error appeared an your statement. You may call us, but if you do we are not required to investigate any potential errors, and you may have to p the amount in question. The Billing Rights Notice further explains your rig ts. Please see your Cardmember Agreement or visit https://discover.com/bi||ingrights for a copy of this Notice. Payments. You may pay all or part of your Account balance at an time. However, you must pay at least the Minimum Payment Due by the ayment Due Date. Send on|y_ your allowable form of payment "Payment") and the oottom portion of this state ent in the envelope provu ed, after afxmg postage. Payments sent Wit out propher postage wrll be returned to the sender. I you pay by check, ou au orize us to use information on our _ check to make an electronic und transfer from your account at the noncral institution indicated on your check or to process the pa ment as a check transaction. If o Payment is processed as an electronic und transfer, thetransfer Will be for he amount of the check, funds may be Withdrawn from your account as soon as the same day we receive your check, and you wi not receive your check back. Please do not send cash. Sending cash is not allowed. The processing of your allowable form of Payment may_be delayed if you send cash or correspondence with your Payments, If you send the Payment to any otheraddress or if you use an envelope other than the one provrded. Paymentsreceived at our processing facility by 5PM local time on any day wrl b credited to your Account as of that day .Pgments received at our rocessing facility after 5PM local time wull be credits to your Account as of .e nextda . fyou hove mis laced your envelope send our Pa ment to Discover, P Box 6103, Caro Stream, |L 60197-6l03. Pease al ow 7-10 days for delivery. If your .Pa merit is returned unpaid _we reserve the right to resubmit it as on electronic ebit.'Payments made online or by phone wrll be credited as of the day of receipt If made by 5PM ET. You can also make a Payment or set up automatic. payments by calling 1-800-347-2683. Automatic payments for the billing period shown on your statement Will be deducted on the Payment Due Date shown on that statement, or the next automatic payment date referred to on your statement, unless you request a recurring payment date that occurs before your Payment Due Date. if your scheduled payment date falls on a weekend or bank holiday,dyour pa ment will be processed the busmess day prior to the weeken r bank holiday. in order to schedule monthly payments by ‘ telephone, you Will need this statement and our_ bank account information.You wi e asked to provide the lost four (4ldigits of the social securitynumber of the primary borrower as your electronic signature. By providing those numbers, you Will be agreeing to this authoriza ion to allow us and your bank to deduct each payment you authorize, in the amou tselected b you, from your bank account. You also authorize us to initiate ebit or cre it entries to your bank account, as applicable, to correct an error in the processing of such gayment. You can cancel a scheduled pa ment by phoneat 1-800- 47-268 or by mail at Discover, PO Box 39421, alt Lake CiUT 841 30-0421; payment cancellations must be received before 5 PM E of the scheduled Withdrawal date. If your payments may vary in amount, we will tell you on each monthly billing statement whenzour paymentWIll be made arid how much it Will be. ou must ensure tha s fcient funds are available in your bank account, and all transactions must comply With U.S. law. CHANGE OF ADDRESS Open Date: .lan 27, 201 9 - Close Date: Feb 26, 20] 9 Page 2 of 4 You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, Gii) statement Minimum Payment Due plus a xed dollar amount, or (iv) other dollar amount. If your scheduled "Other dollar amount" payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. if your scheduled payment is reoter than the New Balance on your billing statement, that payment wi be processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the billing statement based on credits or payments after the Close Date. If ou enroll by phone in our automatic payment service, please fill-in the fo lowing blanks below and retain the authorization for your records. Amount: D Full Pay U Min Pay DMin Pay+ S ; DOther Amount$ ; Bank Routing #: ; Bank Account # ; Monthly on the D Payment Due Date U-Day of month (insert date) Credit Reporting.We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at this address: Discover, PO Box 1531 6,Wilmington, DE 19850-5316. Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billin periods that begin in February). We will not charge you any interest on Purc ases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Date or the rst day of the billing period in which the transaction posted to your Account. HowWe Calculate Interest Charges. We Use the Dail Balance Method (including current transactions) to calculate the Balance ubiect to Interest Rate. For more information, please call us at 1-800-347-2683. Ba ance Sub'iect to Interest ate. (Iour statement shows a Balance Subiectto -nterest Ra e. It showst is r eac transaction ca egory. The Bala c Suoje to Interest Rate ist e average of the daily ba ances during therbilling perio . Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billin statement. A credit balance is money that is owed to you. You may make c arges against this amount if our Account is open. We will send you a refund of any remainin balance oI$1 .00 or more after 6 months, or as otherwise required by app icable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Balance Transfe . Enlarge Transfrs are offered at our discretion andaccrue interest att e stan ard purc ase rate un ess we tel you athenivise. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® card is issued by Discover Bank, Member FDIC. TL23-26Nmts If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Street Address Home Phone Work Phone City Email State, Zip \ To make changes to your address, email or telephone number, visit Discover.com Continued on next page DISC®VER Discover” More” Card Account number ending in 297] Open Date: Jan 27, 201 9 - Close Date: Feb 26, 201 9 Page 3 of 4 Web e: Mobile Phone Inquiry Mail Payments Access your g Manage your 1-800-DISCOVER Discover Discover occouni securely account anytime, (1-800-347-2683) PO Box 30943 PO Box 6103 ai Discover.com anywhere al TDD 1-800-347-7449 Salt Lake City Carol Stream m.Discover.com UT 841 30 IL 601 97-61 03 Transactions Trans. Date Post Date Payments and Credits Feb 20 Feb 20 PHONE PAYMENT - THANK YOU $ -367.00 Fees TOTAL FEES FOR THIS PERIOD 5 0.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 236.04 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 236.04 201 9 Totals Year-to-Date TOTAL FEES CHARGED IN 201 9 3 0.00 TOTA: INTEREST CHARGED IN 2019 5 473a Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 31 days ANNUAL PERCENTAGE PROMO APR BALANCE SUBJECT TO INTEREST TYPE OF BALANCE RATE (APRY EXPIRATION DATE” INTEREST RATE CHARGE Purchases 02/04/2016 and after 14.24% V N/A $1 ,597.67 $1 9.31 02/03/2016 and prior 15.24% V N/A $1 0,288.02 $133.1 4 Expired Promotional Purchases Promotional Purchases 15.24% V N/A $6,457.30 $83.59 Cash Advances 26.24% V N/A $0.00 $0.00 Balance Transfers 0.00% 03/26/1 9 $0.00 $0.00 V=Variable Rate‘ If your account is currently enrolled in a special program or is placed into one during the term of the offer, you will receive the benefit of the lower rate while the special program is in effect. This includes, if applicable, any lower rates as authorized under the Servicemembers Civil Relief Act." This is the date your promotional rate expires and the remaining balance will be moved to your standard APR disclosed when you accepted the offer. Please note: Changing your payment due date may change your Promo APR Expiration Date. ”‘ For more information, please call us at 1-800-347-2683. ‘ NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION JANET M BUDERUS Account number ending in 2971 Open Duie: Jan 27, 201 9 - Close Date: Feb 26, 201 9 Page 4 of 4 Information For You FICO’ Credit Score Terms Your FICO° Credit Score, key fadors, and other credit information use the FICO° Score 8 model. They are based on data from TransUnion° and may be different from other credit scores and other credit information provided by different bureaus. This information is intended for and only provided to Primary account holders who have on available score. Your score, key factors and other credit information are available on Discover.com and cardmembers are also provided a score on statements. Customers will see up to a year of recent scores online. Discover and other lenders may use different inputs, such as FICO° Credit Scores, other credit scores and more information in credit decisions. This benet may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries. If you prefer not to receive your FICO° Credit Score iust call us at l-BOO-DISCOVER (l -800-347-2683). Please give us two billing cycles to process your request. Discover Financial Services and Fair Isaac are not credit repair organizations as dened under federal or state law, including the Credit Repair Organizations Act. Discover Financial Services and Fair Isaac do not provide "credit repair" services or assistance regarding “rebuilding“ or "improving" your credit record, credit history or credit rating. Availability of FICO° Credit Score As an active cardmember, you may see your FlCO° Credit Score on your monthly statement or online. Reasons why you may not see your FICO° Credit Score include: if you opt out; if you have key information that is mismatched or missing, as one example, an address change that has not been updated with Discover or TransUniono; if your credit history is too new; if your account status is abandoned, bankrupt, fraud, lost or stolen, closed, revoked, or charged oft; if you have a foreign address. Your FICO” Score is disclosed on statements when your statement is available. You may not receive a statement if you have no account activity such as no purchase transactions, fees, interest, or payments for approximately 30 days. DISC VER Discover” More” CordAccount number ending in 2971 Open Date: Dec 27, 201 8- Close Date: Jun 26, 201 9 Cardmember Since 2002 Page 1 of 6 1 r W rPrevious Balance $18,442.91 New Balance $1 8,31 1 .5] Payments and Credits if $369.90 Minimum Payment Due $36700 Purchases so'oo Payment Due Date February 21 , 201 9Balance Transfers + $0.00 - Cash Advances + $0.00 Late Payment Warning: It we do not receive your minimum payment by the Fees Charged + $0.00 date listed above, you may have to pay a late fee of up to $37.00 and your + purchase and balance transfer APRs for new transactions may be increased up tomm" CW9“ 5237'“ the Penalty APR of 19.24% variable. New Balance $1 8'31 l ‘51 Minimum Payment Warning: If you make only the minimum payment each See Interest Charge Calculation section following the period, you will pay more in interest and it will take you longer to pay oft your Transactions section for detailed APR information balance. For example: . . ~v yardage? 5-7;” "r jg,» gv v --=- I '-_ _ee-une mo at: is? ch a ..Credit Line Available $788 “m 4'3 u ggé fig? ‘3 i f ‘ . 1‘ COSl’t Advance Credit Line $3,400 Only the minimum payment . . . $636 3 years $22,900Cash Advance Credit Line Available $788 (Savings: $25,000) Y b bl t 'd ' t t P h . 5:: 3‘21“:er deefzilasvo' m ares on urc uses If you would like information about credit counseling services, call 1-800-347-1 l 2i .' c 4 r F|co ‘ REWARDS - - Anniversary Month ‘r Cashback Bonus‘ Odober Your Fico° Credit Score an 1 /20/1 9 Opening Balance $ 10-74 MSG-MM New Cashback Bonus This Period + $ 0.00 Jrack recent scores on the FICO page in this statement J Redeem“! Th's Penod ' s lo‘ooCashback Bonus Balance $ 0.74 k To learn more, log in at Discover.com Make Check payable to Discover. Do Not Send Cash. Please fold on the perforation below, detach and return with your payment. Payment Coupon Pay Online Pay by Phone [ Please do not told, clip or staple. Discovemom g l-800-347-2683 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION JANET M BUDERus g750 47TH Ave src 1 1 CAPITOLA CA 9501 0-31 36 PO BOX 51 908 Los ANGELES, CA 90051 -6208 I II nl i I Ill Illrl lIn lllI II IIlIl lIllll I Phone and Internet payments must be received by 5PM ETto be credited as ofthe some day. ll I ll 'l I'll I ll I I I II I II II I II Address, e-mail or telephone changed? Note changes on reverse side. JANET M BUDERUSI Account number ending in 2971 Important Information See your CordmemberAgreement. Your Cordmember Agreement contains all the terms of your Account. lost or stolen cards. Report immediately] Cull 1-800-347-2683. What To o It You Think You Find A Mistake Qn Your Statement: If you thin there is on error on your statement, write to us at Discover, PO Box 30421 , Salt Lake City, UT 841 30-0421 , or submit the form provided at https://discover.com/billingerrornotice. You must contact us within 60 days after the error appeared on your statement. You may call us, but if you do we are not required to investigate any potential errors, and you may have to pa the amount in question. The Billing Rights Notice further explains your rig ts. Please see your Cardmember Agreement or visit https://discover.com/billingrights for a copy of this Notice. Payments. You may pay all or part of your Account balance at anytime.However, you must pay at least the Minimum Payment Due by the ayment Due Date. Send only your allowable form of payment "Payment? and the oottom portion of this statement in the envelope provt ed, after afxmg postage. Payments sent wrthout proper postage wull be returned to thesender. If you pay by check, kou authorize us to use Information on our 'checkto make on electronic nd transfer from your account at the nonctal institution indicated on your check or to process the pa ment as a check transaction. If a P ment is processed as an electronic und transfer, thetransfer wrll be for he amount of the check, funds may be Withdrawn from your account as soon as the same day we receive your ched<, and you Will not receive your check back. Please do not send cash. Sending cash is not allowed. The processing of your allowable form of Payment maybe delayed if you send cash or correspondence with your Payments, if you send the Payment to any otheraddress or if you use an envelope other than the one provrded. Pa mentsreceived at our processing facility by 5PM local time on any day wr be . credited to your Account as of that day..P?ments received at our rocessmg facnlity after 5PM local time w:|| be credite to your Account as of _e nextdo . fyou hove mis laced your envelope send our Pa ent to Discover, P Box 6103, Caro Stream, IL 601 97-6l 03. P ease al ow 7-10 days for . delivery. If your P ment is returned unpaid _we reserve the right to resubmit it as an electronic ebit.‘ Payments made o line or by phone will be creditedas of the day of receipt if made by 5PM ET. You can also make a Payment or set up automatjc'payments by calling1-800-347-2683. Automatic payments for the billing period shown on your statement will be deducted on the Payment Due Date shown on that statement, or the next automatic payment date referred to on your statement, unless you request a recurring payment date that occurs before your Payment Due Date. if your scheduled payment date falls an a weekend or bank holiday, our pa ment will be processed the busrness day prior to theweeken or ban .holiday. |_n order to schedule monthly payments by _ telephone, you wrll need this statement and oyr‘bank account information.You will be asked to provrde the lost four (4 digits of the social securitynumber of the primary borrower as your electronic sr nature. By providingthose numbers, you wrll be agreeing to this authorize ion to allow us and your bank to deduct each payment you authorize, in the amount selected b you, from your bank account. You also authorize us to initiate debit or cre itentries to your bank account, as applicable, to correct an error in the processin of such gayment. You can cancel a scheduled pa ment by phoneat 1-800- 47-268 or by mail at Discover, PO Box 30421, alt Lake Ci , UT 841 30-042]; payment cancellations must be received before 5 PM E ofthe scheduled Withdrawal date. If your payments may vary in amount, we will tell you on each monthly billingstatement when your-payment wnll be made arid how much it wrll be. Youmust ensure tha s tfICIent funds are available in your bank account, and alltransactions must comply wrth U.$. law. CHANGE OF ADDRESS Open Date: Dec 27, 201 8 - Close Date: Jan 26, 20] 9 Page 2 of 6 You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a xed dollar amount, or (iv) other dollar amount. If your scheduled “Other dollar amount" payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. it your scheduled payment is reater than the New Balance on your billing statement, that payment wi b processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the billing statement based on credits or payments after the Close Date. If ou enroll by phone in our automatic payment service, please ll-in the fo lowing blanks below and retain the authorization for your records. Amount: D Full Pay DMin Pay D Min Pay+ s ; U Other Amount$ ; Bank Routing #: ; Bank Account # ; Monthly on the D Payment Due Date U Day of month (insert date) Credit Reporting.We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at this address: Discover, PO Box 1531 6, Wilmington, DE 19850-531 6. Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billin periods that begin in February). We will not charge you any interest on Purc ases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Date or the rst day of the billing period in which the transaction posted to your Account. HowWe Calculate Interest Charges. We Use the Dail Balance Method (including current transactions) to calculate the Balance ubiect to Interest Rate. For more information, please call us at 1-800-347-2683. Balance Sub)ect to Interest Rate. our statement shows a Balance Subiectto Interest Ra . It showst Is for eac transa ion category. The Balance. Sub|e to Interest Rate Is t e average of the ally balances during the billing perio . Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billin statement. A credit balance is money that is owed to you. You may make c arges against this amount it our Account is open. We will send you a refund of any remainin balance o $1 .00 or more after 6 months, or as otherwise required by app icable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Balance Transfers. Balance Transfers are offer d at our iscretion andaccrue interest at the standard purchase rate un ess we tel you otherwise. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® card is issued by Discover Bank, Member FDIC. TL23-26Nmts F \ 5 If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Street Address Home Phone Work Phone City Email State, Zip j To make changes to your address, email or telephone number, visit Discover.com Continued on neid page DISC .. VER' Discover° More” Cord Account number ending in 2971 Open Date: Dec 27, 2018 - Close Date: Jan 26, 201 9 Page 3 of 6 Web 4- Mobile Phone Inquiry Mail Payments Access your g Manage your I -800-DISCOVER Discover Discover account securely accouni anytime, (1 ~800-347-2683) PO Box 30943 PO Box 6103 at Discover.com anywhere at TDD 1-800-347-7449 Salt Lake City Carol Stream m.Discover.com UT 84130 lL 601 97-61 03 Transactions Trans. Data Post Date Payments and Credits Jan 21 Jan 21 INTERNET PAYMENT - THANK YOU $ -359.00 Award and Rebate Credits Jan 21 Jan 21 CASHBACK BONUS REDEMPTION PYMT/STMT CRDT $ -10.00 Fees TOTAL FEES FOR THIS PERIOD 5 0.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 237.60 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 237.60 201 9 Totals Year-to-Date TOTAL FEES CHARGED IN 2019 $ 0.00 TOTAL INTEREST CHARD IN 201 9 5 237.60 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 31 days ANNUAL PERCENTAGE PROMO APR BALANCE SUBJECT TO INTEREST TYPE OF BALANCE RATE (APRI‘ EXPIRATION DATE“ INTEREST RATE CHARGE Purchases 02/04/2016 and after 14.24% V N/A $1 ,956.52 $23.65 02/03/201 6 and prior 15.24% V N/A 310,1 55.77 $1 31 .43 Expired Promotional Purchases Promotional Purchases 15.24% V N/A $6,374.27 $82.52 Cash Advances 26.24% V N/A $0.00 $0.00 Balance Transfers 0.00% 05/26/1 9 $0.00 $0.00 V=VariabIe Rate‘ If your account is currently enrolled in a special program or is placed into one during the term of the offer, you will receive the benet of the lower rate while the special program is in effect. This includes, if applicable, any lower rates as authorized under the Servicemembers Civil Relief Act." This is the date your promotional rate expires and the remaining balance will be moved to your standard APR disclosed when you accepted the offer. Please note: Changing your payment due date may change your Promo APR Expiration Date. '” For more information, please call us at 1-800-347-2683. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION JANET M BUDERUS Account number ending in 2971 Open Date: Dec 27, 201 8 ~ Close Date: Jan 26, 201 9 Page 4 of 6 Information For You FICO° Credit Score Terms Your FICO° Credit Score, key fadors, and other credit information use the FICO° Score 8 model. They are based on data from TransUnion° and may be different from other credit scores and other credit information provided by different bureaus. This information is intended for and only provided to Primary account holders who have an available score. Your score, key factors and other credit information are available on Discover.com and cordmembers are also provided o score on statements. Customers will see up to a year of recent scores online. Discover and other lenders may use different inputs, such as FlCO° Credit Scores, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is o registered trademark of the Fair Isaac Corporation in the United States and other countries. If you prefer not to receive your FICO° Credit Score iust call us at i-800-DISCOVER [i -800-347-2683). Please give us two billing cycles to process your request. Discover Financial Services and Fair Isaac are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act. Discover Financial Services and Fair Isaac do not provide "credit repair" services or assistance regarding "rebuilding' or "improving" your credit record, credit history or credit rating. Availability of FICO' Credit Score As an active cardmember, you may see your FICO° Credit Score on your monthly statement or online. Reasons why you may not see your FICO° Credit Score include: if you opt out; if you have key information that is mismatched or missing, as one example, an address change that has not been updated with Discover or TransUnion°; if your credit history is too new; if your account status is abandoned, bankrupt, fraud, lost or stolen, closed, revoked, or charged off; if you have a foreign address. Your FICO° Score is disclosed on statements when your statement is available. You may not receive a statement if you have no account activity such as no purchase transactions, fees, interest, or payments for approximately 30 days. Discover“ More” Card Accouni number ending in 2971 Open Date: Dec 27, 2018- Close Date: Jan 26, 201 9 Cardmember Since 2002 Page 5 of 6 Your FICO® Credit Score Histo Exceptional 800 - 850 Very Good 740- 799 Good 670- 739 Fair 580-669 Poor 300 - 579 02/18 03/18 04/18 05/15 06/18 07/18 08/18 09/18 10/18 11/18 12/18 01/19 Important Information: - We may not always receive a score for you each month, so there may be months with no scores. - For questions on the availability of your score go to the “Information For You“ section of this statement. Log in to Discover.com/FICO to see key factors that help explain your scores FICO‘"Credit Scores consider the following for the general population: 35% Paymem His'ory . . 30% Amounts Owed 10% New Credit 10% CreditMix . . . 15% length of Credit N See FICO° Credit Score Terms on the ‘lnformation For Yau' section ofthis statement 201 7 Discover Bank, Member FDIC cooe_SUM_m 19 J JANET M BUDERUS Account number ending in 2971 Open Daie: Dec 27, 201 8 - Close Dale: Jun 26, 20] 9 Page 6 of 6 DISCQVER- Discover” More° CrdAccount number ending in 2971 Open Date: Nov 27, 201 8- Close Date: Dec 26, 201 8 Cardmember Since 2002 Page 1 of 4 rPrevious Balance $18,639.99 j ( New Balance $1 8,442.91 1 Payments and Credits ; $425.00 Minimum payment Due $36900PurChuses $000 Payment Due Date January 21 , 201 9Balance Transfers + $0.00 Cash Advances + $0.00 Late Payment Warning: If we do not receive your minimum payment by the Fees Charged + $0.00 date listed above, you may have to pay a late fee of up to $37.00 and your + purchase and balance transfer APRs for new transactions may be increased up toln'eres' CharQEd $22192 the Penalty APR of 18.99% variable. New Balance $1 8’442'9] Minimum Payment Warning: If you make only the minimum payment each See Interest Charge Calculation section following the period, you will pay more in interest and it will take you longer to pay off your Transactions section for detailed APR information balance. For example: Credit Line $1 9,1 00 Credit Line Available $657 ‘ . r .. Cash Advance Credit Line $3,400 only the minimum payment 31 years I $47,021 . . . $638 3 years $22,977Cash Advance Credit Line Avallable $657 (Savings: $24,044) Y be bl t 'd ' t t P h . 5:: 23:59 f; Sacai'asvo' m ares on urc uses If you would like information about credit counseling services, call 1-800-347-1 l2].‘ J r |=|co ‘ REWARDS- Anniversary Month WoCashback Bonus Odober Your Hco° crediI Score on 12/20/1 a Opening Balance $ 10-74 Haw-Mum New Cashback Bonus This Period + $ 0.00 [Track recent FICO° Scores on our mobile app or online J Redeemed Th's Per'Od ’ s 0'00Cashback Bonus Balance $ 10.74 To learn more, log in at Discover.com J Make Check payable to Discover. Do Not Send Cash.NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Please fold an the perforation below, detach and return with your payment. Payment Coupon Pay Online e Pay by PhonePlease do not fold, clip or staple. _ ‘ Discover.com l-800-347-2683 'l"IIIIl'Il'll'l'lll'l'l'IIlII"""lI'II'lll'Ill'lll"I"'lIl'l JANET M BUDERUS 750 47TH AVE SPC l l " CAPITOLA CA 9501 0-31 36 PO BOX 51908 LOS ANGELES, CA 90051 -6208 IlllllllIIIIIIIIIIIlIllIIIIIIIIIIIIIIIllllllIIllIIIIIIIlIIImIIIPhone and lntemet payments must be received by 5PM ET to be credited as ofthe same day. Address, e-mail or telephone changed? Note changes on reverse side. JANET M BUDERUS Account number ending in 2971 Important Information See your CardmemberAgreement. Your Curdmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediatelyl Call 1-800-347-2683. What 9 Do If You Think You Find A Mistake Qn Your Statement: If you t Ink there Is an error on your statement, wnte to us at Discover, PO Box 30421 , Salt Lake City, UT 84130-0421 , or submit the form provided at https://discover.com/bitlingerrornotice. You must contact us within 60 days after the error appeared on your statement. You may call us, but if you do we are not required to investigate any potential errors, and you may have to pa the amount in question. The Billing Rights Notice further explains your rig ts. Please see your Cardmember Agreement or visit https://discover.com/billingrights for a copy of this Notice. Payments. You may pay all or part of your Account balance at an time. However, you must pay at least the Minimum Payment Due by the aymentDue Date. Send only your allowable form of payment "Payment") and the bottom portlon of this statement In the envelope provr ed, after affixing postage. Payments sent Without proper postage wrll be returned to thesender. If you pay b check, ou authorize us to use Information on our _c e_c to make an e ectranic nd transfer from your account at the nancial institution indicated on your check or to process the payment as a check transaction. if a P ment is processed as an electronic und transfer, thetransfer Will be for e amount of the check, funds may be Withdrawn from your account as soon as the some day we receive your check, and you will not receive your check back. Please do not send cash. Sending cash is not allowed. The processing of your allowable form of Payment maybe delayed if you send cash or correspondence with your Payments, if you send the Payment to any other address or if you use a_n envelope other than the one prowded. Polymentsreceived at our processrng faCility by 5PM local time on an ay wi b credited to your ‘ccount as of that daya Payments receive at our processingfacrli after 5PM cal time Will be credit to your Account as of e next d3. fyou hove mis laced your envelope send our Pa ment to Discover, P Box 6103, Caro Stream, IL 60] 97-6i03. Pease al ow 7-10 days for delivery. lf your Pa ment is returned unpaid .we reserve the right to resubmit it as on electro ic ebit.‘ aymergs made on ine or by phone Will be credited as of the day o receipt i mad y 5PM ET. You can also make a Payment or set up automatjc_payments by calling 1-800-347-2683. Automatic payments for the billing period shown on yourstatement wrll be deducted on the Payment Due Date shown on that statement, or the next automatic payment date referred to on your statement, unless you request a recurring payment date that occurs before your PaymentDue Date. lf your scheduled payment date falls on a weekend or bank holiday,dyour pa merit will be processed the business day prior to theweeken r ban .holiday. tn order to schedule monthly payments by . telephone, you Will need this statement and our. bank account information.You Will be asked to prowde the lost four (4 digits of the social securitynumber of the primary borrower ps your electronic signature. By providingthose numbers, you Will be agreeing to this authoriza on to allow us and your bank to deduct each payment you authorize, in the amount selected b you, from your bank account. You als_o authorize us to initiate debit or cre itentries to your bank account, as applicable, to correct an error in the processm of suchgayment. You can cancel a scheduled p ment by phoneat 1-800- 47-268 or by mail at Discover, PO Box 39421, alt Lake Ci ,UT 841 30-04213 payment cancellations must be received before 5 PM ofthe scheduled withdrawal date. If your payments may vary in amount, we will tell you on each monthly billingstatement whenyour payment WI e made arid how much it Will be. oumust ensure tha s fcient funds are available in your bank account, and alltransactions must comply With U.$. law. CHANGE OF ADDRESS Open Date: Nov 27, 201 8 - Close Date: Dec 26, 2018 Page2 of 4 You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) other dollar amount. If your scheduled "Other dollar amount" payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. If your scheduled payment is reater than the New Balance on your billing statement, that payment wi be processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the billing statement based on credits or payments after the Close Date. lf ou enroll by phone in our automatic payment service, please fill-in the fa lowing blanks below and retain the authorization for your records. Amount: D Full Pay UMin Pay DMin Pay+ S ; UOther Amount$ ; Bank Routing #z ; Bank Account # ; Monthly on the D Payment Due Date D Day of month (insert date) Credit Reporting.We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. It you believe that our report is inaccurate or incomplete, please write us at this address: Discover, PO Box 1531 6,Wi|mington, DE 19850-5316. Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billin periods that begin in February). We will not charge you any interest on Purc ases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Date or the rst day of the billing period in which the transadion posted to your Account. HowWe Calculate Interest Charges.We Use the Daily Balance Method (including current transactions) to calculate the Balance Subject to interest Rate. For more information, please call us at 1-800-347-2683. Balance Sub’ect to Interest Rate. Your statement shows a Bgilance Subiectto Interest Ra . It shows this for each transaction ca eg ry. T .e Balance. u Jest to Interest Rate is the average of the daily ba ances during the billing perio . Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billin statement. A credit balance is money that is owed to you. You may make c arges against this amount if our Account is open. We will send you a refund of any remainin balance a?“ .00 or more after 6 months, or as otherwise required by app icable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Balance Transfers. Balance Transfers are offer d at our discretion andaccrue interest at the standard purchase rate un ess we tel you otheMise. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® card is issued by Discover Bank, Member FDIC. 11.23-26wa f If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. W Street Address Home Phone Work Phone i City Email State, Zip To make changes to your address, email or telephone number, visit Discover.com Continued on next page DISC®VER' Discover" More" Cord Accouni number ending in 2971 Open Date: Nov 27, 201 8 - Close Date: Dec 26, 201 8 Page 3 of 4 Web Mobile Phone Inquiry Mail Payments Access your Manage your 'l -800-D|SCOVER Discover Discover account securely account anytime, (1 -800-347~2683) PO Box 30943 PO Box 6'l 03 at Discover.com anywhere at TDD 1-800-347-7449 Salt Lake City Carol Stream m.Discover.com UT 841 30 IL 60] 97-61 03 Transactions Trans. Date Post Date Payments and Credits Dec 20 Dec 20 PHONE PAYMENT - THANK YOU $ -425.00 Fees TOTAL FEES FOR THIS PERIOD 0.00 Interest Charged INTEREST CHARGE 0N PURCHASES $ 227.92 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 227.92 201 8 Totals Year-to-Date TOTAL FEES CHARGED IN 2018 5 94.89 TOTAL INTEREST CHARGED IN 201 8 3 2,543.98 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Pen'od:30 days ANNUAL PERCENTAGE PROMO APR BALANCE SUBJECT TO INTEREST TYPE OF BALANCE RATE (APR)" EXPIRATION DATE” INTEREST RATE CHARGE Purchases 02/04/2016 and alter 13.99% V N/A $2,288.90 $26.3] 02/03/2016 and prior 14.99% V N/A $1 0,068.02 $1 24.03 Expired Promotional Purchases Promotional Purchases 14.99% V N/A $6,294.28 $77.58 Cash Advances 25.99% V N/A $0.00 $0.00 Balance Transfers 0.00% 05/26/1 9 $0.00 $0.00 V=Variab|e Rate t If your account is currently enrolled in a special program or is placed into one during the term of the offer, you will receive the benefit of the lower rate while the special program is in effect. This includes, if applicable, any lower rates as authorized under the Servicemembers Civil Relief Act." This is the date your promotional rate expires and the remaining balance will be moved to your standard APR disclosed when you accepted the offer. Please note: Changing your payment due date may change your Promo APR Expiration Date. “‘ For more information, please call us at 1-800-347-2683. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION JANET M BUDERUS Account number ending in 2971 Open Date: Nov 27, 2018 - Close Date: Dec 26, 2018 P0964 of 4 Information For You FICO° Credit Score Terms Your FlCO” Credit Score, key fadors, and other credit information use the FICO” Score 8 model. They are based on data from TransUnion° and may be different from other credit scores and other credit information provided by different bureaus. This information is intended for and only provided to Primary account holders who have an available score. Your score, key factors and other credit information are available on Discover.com and cardmembers are also provided a score on statements. Customers will see up to a year of recent scores online. Discover and other lenders may use different inputs, such os FICO° Credit Scores, other credit scores and more information in credit decisions. This benefit may change or end in the future. FiCO is a registered trademark of the Fair Isaac Corporation in the United States and other countries. if you prefer not to receive your FICO” Credit Score iust call us at i-800-DlSCOVER (i -800-347-2683). Please give us two billing cycles to process your request. Discover Financial Services and Fair Isaac are not credit repair organizations as dened under federal or state law, including the Credit Repair Organizations Act. Discover Financial Services and Fair Isaac do not provide 'credit repair" services or assistance regarding "rebuilding' or "improving" your credit record, credit history or credit rating. Availability of FICO° Credit Score As an active cardmember, you may see your FICO° Credit Score on your monthly statement or online. Reasons why you may not see your FICO” Credit Score include: ifyou opt out; if you have key information that is mismatched or missing, as one example, an address change that has not been updated with Discover or TransUniono; if your credit history is too new; if your account status is abandoned, bankrupt, fraud, lost or stolen, closed, revoked, or charged oft; if you have a foreign address. Your FICO° Score is disclosed on statements when your statement is available. You may not receive a statement if you have no account activity such as no purchase transactions, fees, interest, or payments for approximately 30 days. More from Discover Did you know Discover also offers savings accounts to help you earn more? Whether you need to save for o rainy day or for the long term, when you open a Discover Online Savings account, you'll be sure to enioy a competitive annual percentage yield and no monthly fees. Plus, you'll continue to enioy the some 100% U.S. based customer service, anytime of day or night. Discover Bank, Member FDIC. Visit DiscoverBank.com/OSA to get started. DISC VER' Discover” More” Ca rdAccount number ending in 2971 Open Date: Oct 27, 20] 8- Close Date: Nov 26, 201 8 Cardmember Since 2002 Page 1 of 4 r r Previous Balance $1 8,576.33 W New Balance $1 8,639.99 Payments and Crediis :F $400.00 Minimum Paymen' Due $373.00 Purdmses $22900 Payment Due Date December 21 , 20] 8 Balance Transfers + $0.00 Cash Advances + $0.00 late Payment Warning: If we do not receive your minimum payment by the Fees Charged + $090 date listed above, you may have to pay a late fee of up to $37.00 and your + purchase and balance transfer APRs for new transactions may be increased up towere“ Charged 3234'66 the Penalty APR of 18.99% variable. New Balance $1 8,639.99 See Interest Charge Calculation section following the Transactions section for detailed APR information FlCO. Jrack recent FICO° Scares on our mobile app or online NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Credit Line $ I 9, I 00 Credit Line Available $460 Cash Advance Credit Line $3,400 Cash Advance Credit Line Available $460 You may be able to avoid interest on Purchases. See reverse for details.L J f W Your FICO° Credit Score on 1 1/20/1 8 Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your Only the minimum payment $645 3 years $23.21 7 (Savings= $24,3I8) It you would like information about credit counseling services, call 1-800-347-1 i2] . J J f Anniversary Month 0o .Cashback Bonus Odober Opening Balance $ 10.1 7 New Cashback Bonus This Period Everywhere Else + 5 0.57 Redeemed This Period - $ 0.00 Cashback Bonus Balance $ 10.74 To learn more, log in at Discover.com J Make Check payable to Discover. Do Not Send Cash. Please told on the perforation below, detach and return with your payment. [ Payment Coupon Please do not told, clip or staple. 9 Pay OnlineDiscover.com G Pay by Phone - i E r ’5'" W!§'¥§!9’ Mf‘ariIP'r] i353??? If” 'e 1191' {a 3?i -800-347-2683 JANET M BUDERUS 750 47TH AVE SPC 1 1 CAPITOLA CA 95010-31 36 Phone and lntemet payments must be received by 5PM ET to be credited as of the same day. Address, e-mail or telephone changed? Note changes on reverse side. PO BOX 51 908 LOS ANGELES, CA 90051 -6208 JANET M BUDERUS Account number ending in 2971 Important Information See your CardmemborAgreement Your Cardmember Agreemeni contains all the terms of your Account. Lost or stolen cards. Report immediately! Call 1-800-347-2683. What o_ Do If You Think You Find A Mistake O_n Your Statement: If yout Ink there Is an error on your statement, write to us at Discover, PO Box 30421 , Salt Lake City, UT 841 30-0421 , or submit the form provided at https://discover.com/billingerrornotice. You must contact us within 60 days after the error appeared on your statement. You may call us, but it you do we are not required to investigate any potential errors, and you may have to pa the amount in question. The Billing Rights Notice further explains your rig ts. Please see your Cardmember Agreement or visit https://discover.com/biIling rights for a copy of this Notice. Payments. You may pay all or part of your Account balance at an time. However, you must pay at least the Minimum Payment Due by the aymentDue Date. Send only your allowable form of paymentéWayment") and thebottom portion of this statement In the envelope prom ed, after afxrng postage. Payments sent wrhout proper postage Will be returned to thesender. If you pay by chec r, ou au horize us to use Information ongourcheck to make an electron-c und transfer from your account at the nancial institution indicated on your check or to process the payment as a check transaction. If a Payment is processed as an electronic und transfer, the he amount of the check, funds may be Withdrawn fromtransfer will be for . h your account as soon as the some day we receive your check, and you Will not receive your check back. Please do not send cash. Sending cash is not allowed. The processing of your allowable form of Payment maybe delayed if you send cash or correspondence with your Payments, If you send the Payment to any other address or If you use an envelope other than the one provrded. Pa ments receive at our processing facility by SPM local time on an ay wi be credited to your Account as of that day._P ments receive at our rocessing faCIIIt?’ after 5PM local time Will be credite to your Account as of e nextda . fyou hove mis laced your envelope send our Pa ent to Discover, P Box 6103, Caro Stream, IL 601 97-6303. P ease al ow 7-10 days for delivery. If your P ment is returned unpaid .we reserve the right to resubmit it as on electronic ebitn Payments made onlIne or by phone Will be creditedas of the day of receipt It made by 5PM ET. You can also make a Payment or set up automatic payments by calling1-800-347-2683. Automatic payments for the billing period shown on your statement will be deducted on the Payment Due Date shown on that statement, or the next automatic payment date referred to on your statement, unless you request a recurring payment date that occurs before your Payment Due Date. If your scheduled ayment date falls on a weekend or bank holiday, our pa merit Will be processed the business day prior to the weeken or ban .holiday. in order to schedule monthly payments by . telephone, you Will need this statement and our bank account information.You will be asked to prowde the lost four (4ydigits of the sOCIaI securitynumber of the primary borrower as your electronic Signature. By providing those numbers, you Will be agreeing to this authoriga ion to allow us and your bank to deduct each payment you authorize, in the amount selected b you, from your bank account. You also authorize us to initiate debit or cre it entries to your bank account, as applicable, to correct an error in the processin of such ayment. You can cancel a scheduled p merit by %honeat 1-800- 47-268 or by mail at Discover, PO Box 39421, alt Lake iUT 841 30-0421; payment cancellations must be received before 5 PM E ofthe scheduled Withdrawal date. If your payments may vary in amount, we will tell you on each monthly billing statement when our payment Wil e made and how much it Will be. ou must ensure tha sutfiCIent funds are available in your bank account, and all transactions must comply With U.S. law. CHANGE oi= ADDRESS Open Date: Oct 27, 201 8- Close Date: Nov 26, 20] 8 Page 2 of 4 You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a xed dollar amount, or (iv) other dollar amount. If your scheduled "Other dollar amount" payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. If your scheduled payment is greater than the New Balance on your billing statement, that payment wil be processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the billing statement based on credits or payments after the Close Date. it you enroll by phone in our automatic payment service, please fill-in the fo lowing blanks below and retain the authorization for your records. Amouni: E] Full Pay DMin Pay DMin Pay+ $ ; U Other Amounts ; Bank Routing #: ; Bank Account # ; Monthly on the E Payment Due Date D Day of month (insert date) Credit Reporting.We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at this address: Discover, PO Box 1531 6,Wilmington, DE 19850-5316. Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will not charge you any interest on Purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Date or the rst day of the billing period in which the transaction posted to your Account. HowWe Calculate Interest Charges. We Use the Dail Balance Method Encluding current transactions) to calculate the Balance ubiect to Interest ate. For more information, please call us at 1-800-347-2683. Balance Sub'ect to Interest Rate. Your statement shows a Balance Subiectto Interest Ra e. It showst is for each transaction ca‘egory. The Batance.uble to Interest Rate is t e average of the daily b ances during t e bi ling perio . Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billin statement. A credit balance is money that is owed to you. You may make c arges against this amount if our Account is open. We will send you a refund of any remainin balance o $1 .00 or more after 6 months, or as othenNise required by app Icable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Balance Transfers. Balarge Transf rs are offered at our discretion andaccrue interest at the stan ard purc ase rote un ess we tel you othervvise. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® card is issued by Discover Bank, Member FDIC. TL23-26N.0218 If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Street Address Home Phone Work Phone City Email State, Zip k 1 To make changes to your address, email or telephone number, visit Discover.com Continued on next page DISC .VER' CONTACT US Discover” More” Cord Account number ending in 2971 Open Date: Oct 27, 2018 - Close Date: Nov 26, 201 8 Page 3 of 4 Web If: Mobile Phone Inquiry Mail Payments WAccess your a Manage your l-BOO-DISCOVER Discover Discover _ account securely account anytime, (1 -800-347-2683) PO Box 30943 PO Box 61 03 Iat Discover.com anywhere at TDD 1-800-347-7449 Salt Lake City Carol Stream m.Discover.com UT 841 3O lL 601 97-61 03 J Transactions Trans. Date Post Date Payments and Credits Nov 4 Nov 4 PHONE PAYMENT - THANK YOU 5 -400.00 Services Oct 31 Oct 31 AAA COLORADO MBR DUES-A DENVER CO $ 229.00 Fees TOTAL FEES FOR THIS PERIOD s 0.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 234.66 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 234.66 201 8 Totals Year-to-Date TOTAL FEES CHARGED IN 2018 $ 94.89 TOTAL INTEREST CHARGED IN 2018 3 2,316.06 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Periodz31 days ANNUAL PERCENTAGE PROMO APR BALANCE SUBJECT TO INTEREST TYPE OF BALANCE RATE (APR)‘ EXPIRATION DATE“ INTEREST RATE CHARGE Purchases 02/04/2016 and after 13.99% V N/A $2 414.75 $28.69 02/03/2016 and prior 14.99% V N/A $9 961 .95 $1 26.82 Expired Promotional Purchases Promotional Purchases 14.99% V N/A $6 215.91 $79.1 5 Cash Advances 25.99% V N/A $0 00 $0.00 Balance Transfers 0.00% 05/26/1 9 $0 00 $0.00 V=Variable Rate 0 If your account is currently enrolled in a special program or is placed into one during the term of the offer, you will receive the benefit of the lower rate while the special program is in effect. This includes, if applicable, any lower rates as authorized under the Servicemembers Civil Relief Act.“ This is the date your promotional rate expires and the remaining balance will be moved to your standard APR disclosed when you accepted the offer. Please note: Changing your payment clue date may change your Promo APR Expiration Date. ‘“ For more information, please call us at 1-800-347-2683. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION JANET M BUDERUS Account number ending in 2971 Open Date: Oct 27, 201 8- Close Date: Nov 26, 2018 P0994 of 4 Information For You FICO° Credit Score Terms Your FICO° Credit Score, key factors, and other credi' information use the FICO° Score 8 model. They are based on data from TransUnion' and may be different from other credit scores and other credit information provided by different bureaus. This information is intended for and only provided to Primary account holders who have an available score. Your score, key factors and other credit information are available on Discover.com and cardmembers are also provided a score on statements. Customers will see up to a year of recent scores online. Discover and other lenders may use different inputs, such as FICO° Credit Scores, other credit scores and more information in credit decisions. This benet may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries. If you prefer not to receive your FlCO° Credit Score iust call us at l~800-DISCOVER (i -800-347-2683). Please give us two billing cycles to process your request. Discover Financial Services and Fair Isaac are not credit repair organizations as dened under federal or state law, including the Credit Repair Organizations Act. Discover Financial Services and Fair Isaac do not provide 'credit repair“ services or assistance regarding "rebuilding' or “improving" your credit record, credit history or credit rating. Availability of FlCO° Credit Score As an active cardmember, you may see your FICO° Credit Score on your monthly statement or online. Reasons why you may not see your FlCO° Credit Score include: if you opt out; if you have key information that is mismatched or missing, as one example, an address change that has not been updated with Discover or TransUniono; if your credit history is too new; if your account status is abandoned, bankrupt, fraud, lost or stolen, closed, revoked, or charged off; if you have a foreign address. Your FlCO° Score is disclosed on statements when your statement is available. You may not receive a statement if you have no account activity such as no purchase transactions, fees, interest, or payments for approximately 3O days. More from Discover Did you know Discover also otters savings accounts to help you earn more? Whether you need to save for a rainy day or for the long term, when you open a Discover Online Savings account, you'll be sure to enioy a competitive annual percentage yield and no monthly fees. Plus, you‘ll continue to enioy the same 100% U.S. based customer service, anytime of day or night. Discover Bank, Member FDIC. Visit DiscoverBank.com/OSA to get started. VER Discover° More° CardAccount number ending in 2971 Open Date: Sep 27, 201 8- Close Date: Oct 26, 201 8 DISC Cardmember Since 2002 Page 1 of 6 F W Previous Balance s1 8,750.37 New Balance $1 8,576.33 Payments and Credits .'+_ $400.00 Minimum paymen, Due $372.00 PurChases $090 Payment Due Daie November 21 , 201 8 Balance Transfers + $0.00 Cash Advances + $0.00 Late Payment Warning: If we do not receive your minimum paymenl by the Fees Charged + $0.00 date listed above, you may have to pay a late fee of up to $37.00 and your + purchase and balance transfer APR: for new transactions may be increased up to“are“ Chwged $22596 the Penalty APR of 18.99% variable. New Balance s] 8'576'33 Minimum Payment Warning: It you make only the minimum payment each See Interest Charge CaICUlation section following the period, you will pay more in interest and it will take you longer to pay off your Transactions section for detailed APR information balance. For example: Credit Line $l9,100 H 0 Credit Line Available $523 _ __ V _ I . ‘ x V __ _ . Cash Advance Credit Line $3,400 only the minimum payment 32 years I $47,373 . . . $643 3 years $23, 135Cash Advance Credit Line Available $523 (savings: $24,238) Y b bl t 'd ' t t P h . 5:: Sfeyrseefgr deetoaixm In ares on urc uses k If you would like information about credit counseling services, call 1-800-347-1 i2] .J' |=|co ‘ REWARDS- Anniversary Month WoCashback Bonus Odober Your Flco° Credit Score an 10/20/1 8 Opening Balance $ 10-1 7 museum New Cashback Bonus This Period + $ 0.00 Grack recent scores on the FICO page in this statement J Redeemed Th" Pe"°d ' s 0-00Cashback Bonus Balance 5 10.1 7 k To learn more, log in at Discover.com J Make Check payable to Discover. Do Not Send Cash.NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Please fold on the perforation below, detach and return with your payment. Payment Coupon Pay Online Pay by Phone [ Please do not fold, clip or staple. Discovercom a 18003472683 JANEr M BUDERus' '9‘750 47TH AVE spc 1 1 CAPITOLA CA 9501 0.31 36 PO BOX 51 908 LOS ANGELES, CA 90051 -6208 Phone and Internet payments must be received by 5PM ET to be credited as of the some day. Address, e-mail or telephone changed? Note changes on reverse side. JANET M BUDERUS Account number ending in 2971 Important Information $00 your CurdmembarAgreement. Your Cardmember Agreement contains all the terms of your Account. lost or stolen cards. Report immediately! Call 1-800-347-2683. What To o It You Think You Find A Mistake Qn Your Statement: If you thin there is on error on your statement, wnte to us at Discover, PO Box 30421 , Salt Lake City, UT 841 30-0421 , or submit the form provided at https://discover.com/bi||ingerrornotice. You must contact us within 60 days after the error appeared on your statement. You may call us, but if you do we are not required to investigate any potential errors, and you may have to pa the amount in question. The Billing Rights Notice further explains your rig ts. Please see your Cardmember Agreement or visit htips://discover.com/bil|ingrights for a copy of this Notice. Payments. You may pay all or part of your Account balance at an time. However, you must pay at least the Minimum Payment Due by the ayment Due Date. S_end only your allowable form of payment 'Payment“) and the.aottom portion of this statement In the envelope provu ed, after afxmg postage. Payments sent wrhout proper postage wrll be returned to thesender. If you pay by chec <, you authorize us to use Information on our .check to make an electron c und transfer from your account at the nanCial institution indicated on your check or to process the pa merit as a check transaction. If a Payment is processed as an electronic und transfer, thetransfer wtll be for he amount of the check, funds may be Withdrawn from your account as soon as the some day we receive your check, and you wrll not receive your check back. Please do not send cash. Sending cash is not allowed. The processing of your allowable form of Payment may'be delayed if you send cash or correspondence with your Payments, if you send the Payment to any otheraddress or if you use an envelope other than the one provtded. Pamentsreceived at our processing facility by 5PM local time on 03y day wi be credited to your Account as ofthat day..PaJments receive at our rocessingfacili after 5PM local time Will be credite to your Account as of e next do . fyou hove misplaced your envelope send our Payment to Discover,Pd Box 6103, Caro Str am, IL 601 97-6l03. P ease al ow 7-10 days for delivery. If your P ment is returned unpaid _we reserve the rig‘ht to resubmitit as on electronic e_bit.‘Payments made online or by phone Will be creditedas of the day of receipt if made by 5PM ET. You can also make a Payment or set up automaticpayments by calling1-800-347-2683. Automatic payments for the billing period shown on your statement will be deducted on the Payment Due Date shown on that statement, or the next automatic payment date referred to on your statement,unless you request a recurring payment date that occurs before your PaymentDue Date. If your scheduled payment date falls 9n a weekend or bank holiday, our pazment Will be processed the busmess day prior to the weekendyor ban _ho|iday. [n order to schedule monthly payments by ' telephone, you Will need this statement and ounbank account information.You Will be asked to provtde the lost four (4ildigits of the soctal securitynumber of the primary borrower as your electronic Si nature. By providingthose numbers, you Will be agreeing to this authoriga ion to allow us and your bank to deduct each payment you authorize, in the amougt selected b you, from your bank account. You also authorize us to initiate ebit or cre itentries to your bank account, as applicable, to correct an error in the processin of such ayment. You can cancel a scheduled pa merit by phoneat 1-800- 47-268 or by mail at Discover, PO Box 30421 , alt Lake City,UT 841 30-0421; payment cancellations must be received before 5 PM E ofthe scheduled withdrawal date. If your payments may vary in amount, we will tell you on each monthly billing statement when our payment Wil e made and how much it Will be. ou must ensure tha sufaent funds are available in your bank account, and alltransactions must comply With U.S. law. CHANGE OF ADDRESS Open Date: Sep 27, 2018- Close Date: Oct 26, 2018 Page2 of 6 You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) other dollar amount. If your scheduled “Other dollar amount" payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. lf the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. If your scheduled payment is reater than the New Balance on your billing statement, that payment wi be processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the billing statement based on credits or payments after the Close Date. f ou enroll by phone in our automatic payment service, please fill-in the fo lowing blanks below and retain the authorization for your records. Amount: U Full Pay DMin Pay U Min Pay+ $ ; U Other Amount$ ; Bank Routing #: ; Bank Account # ; Monthly on the D Payment Due Date [l Day of month (insert date) Credit Reporting.We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at this address: Discover, PO Box 153l 6,Wilmington, DE 19850-5316. Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will not charge you any interest on Purchases it you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Date or the first clay of the billing period in which the transaction posted to your Account. HowWe Calculate Interest Charges. We Use the Dail Balance Method (including current transactions) to calculate the Balance ubiect to Interest Rate. For more information, please call us at 1-800-347-2683. Ba-ance Sub'ect to Interest ate. Your statement shows a Balance Subjectto "nterest R e. It showst is or each transactio ,e Ba once. ng the billing n ca o . Suoje to Interest Rate is t e average of the daily balgceys duri perio . Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billin statement. A credit balance is money that is owed to you. You may make c arges against this amount if our Account is open. We will send you a refund of any remainin balance o $1 .00 or more after 6 months, or as otherwise required by app icable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Balance Transfe . Balance Transfers are offered at our discretion andaccrue interest at t e standard purchase rate unless we tel you otherwrse. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® card is issued by Discover Bank, Member FDIC. TL23-26Nmia If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Street Address Home Phone Work Phone City Email State, Zip K To make changes to your address, email or telephone number, visit Discover.com Continued on next page DISC®VER Discover” roe” Card Account number ending in 2971 Open Date: Sep 27, 201 8 - Close Date: Oct 26, 201 8 Page 3 of 6 CONTACT US Web é Mobile Phone Inquiry Mail Payments Access your Q Manage your I -800-DISCOVER Discover Discover account securely accouni anytime, (1 -800-347-2683) PO Box 30943 PO Box 61 03 at Discover.com anywhere a1 TDD 1-800-347-7449 Salt Lake Cily Carol Stream m.Discover.com UT 841 3O IL 601 97-61 03 Transactions Trans. Date Post Dale Payments and Credits Od 20 Ocl 20 PHONE PAYMENT - THANK YOU $ 400.00 Fees TOTAL FEES FOR THIS PERIOD 5 0.00 Interest Charged INTEREST CHARGE ON PURCHASES 5 225.96 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 225.96 201 8 Totals Year-to-Date TOTAL FEES CHARGED IN 201 8 $ 94.89 . EAL INTEREST CHARGED IN 2018 3 2'081 .40Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Periodz30 days ANNUAL PERCENTAGE PROMO APR BALANCE SUBJECT TO INTEREST TYPE OF BALANCE RATE (APR)‘ EXPIRATION DATE” INTEREST RATE CHARGE Purchases 02/04/2016 and after 13.99% V N/A $2,488.96 $28.61 02/03/2016 and prior I4.99% V N/A $9,877.65 $121 .69 Expired Promotional Purchases Promotional Purchases 14.99% V N/A $6,] 38.54 $75.66 Cash Advances 25.99% V N/A $0.00 $0.00 Balance Transfers 0.00% 05/26/1 9 $260.93 $0.00 V=Variable Rate‘ If your account is currently enrolled in a special program or is placed into one during the term of the offer, you will receive the benefit of the lower rate while the special program is in effect. This includes, if applicable, any lower rates as authorized under the Servicemembers Civil Relief Act." This is the date your promotional rate expires and the remaining balance will be moved to your standard APR disclosed when you accepted the offer.Please note: Changing your payment due date may change your Promo APR Expiration Date.“‘ For more information, please call us at 1-800-347-2683. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION JANET M BUDERUS Accoum number ending in 2971 Open Date: Sep 27, 2018- Close Date: 0d 26, 201 8 Page4 of 6 Information For You FICO° Credit Score Terms Your FICO° Credit Score, key factors, and other credit information use the FICO° Score 8 model. They are based on data from TransUnion° and may be different from other credit scores and other credit information provided by different bureaus. This information is intended for and only provided to Primary account holders who have an available score. Your score, key factors and other credit information are available on Discover.com and cardmembers are also provided a score on statements. Customers will see up to a year of recent scores online. Discover and other lenders may use different inputs, such as FICO“ Credit Scores, other credit scores and more information in credit decisions. This benet may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries. lfyou prefer not to receive your FICO’ Credit Score iust call us at l-800-DISCOVER (l -800-347-2683). Please give us two billing cycles to process your request. Discover Financial Services and Fair Isaac are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act. Discover Financial Services and Fair Isaac do not provide 'credit repair' services or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. Availability of FICO° Credit Score As an active cardmember, you may see your FICO° Credit Score on your monthly statement or online. Reasons why you may not see your FICO° Credit Score include: if you opt out; if you have key information that is mismatched or missing, as one example, an address change that has not been updated with Discover or TransUnion°; if your credit history is too new; if your account status is abandoned, bankrupt, fraud, lost or stolen, closed, revoked, or charged off; if you have a foreign address. Your FICO° Score is disclosed on statements when your statement is available. You may not receive a statement if you have no account activity such as no purchase transactions, fees, interest, or payments for approximately 30 days. More from Discover Did you know Discover also offers savings accounts to help you earn more? Whether you need to save for a rainy day or for the long term, when you open a Discover Online Savings account, you‘ll be sure to enioy a competitive annual percentage yield and no monthly fees. Plus, you'll continue to enioy the same 100% U.S. based customer service, anytime of day or night. Discover Bank, Member FDIC. Visit DiscoverBank.com/OSA to get started. Discover" More" Cord Account number ending in 2971 Open Date: Sep 27, 201 8- Close Dais: Od 26, 2018 Curdmember Since 2002 Page 5 of 6 k Your FICO® Credit Score History Exceptional 800 - 85 Very Good 740-799 Good 670-739 Fair 580-669 Poor 300 - 579 11/17 12/17 01/18 02/18 03/18 04/18 05/18 06/18 07/18 08/18 \ 09/18 10/18 Imporlani Information: - We may not always receive a score for you each month, so there may be months with no scores. - For questions on the availability of your score go to the 'lniormation For You' section of this statement. This chart will be shown in every Jan, Apr, Jul and Oct statement when you have up to 12 months of scores. Log in to Discover.cam/FICO any time ta see key factors that help explain your scores. FICO” Credit Scores consider the following tor the general population: 35% Payment History - - -------- 30% Amounts Owed 10% New Credit . _. 10% Credit Mix 15% Length of Credit See FICO° Credit Score Terms on the ‘lnformation For You' section otthis statement 201 7 Discover Bank, Member FDIC cona_sum_oai 7 JANET M BUDERUS Account number ending in 2971 Open Date: Sap 27, 201 8- Close Date: 0d 26, 2018 Page 6 of 6 DISCQVER Discover“ More" Cdor Account number ending in 2971 Open Date: Aug 27, 201 8- Close Date: Sep 26, 20] 8 Curdmember Since 2002 Page 1 of 4 r r wPrevious Balance $18,824.73 New Balance $1 8,750.37 Payments and Credits ; $500.00 Minimum Paymem Due $375.00PurChoses $19900 Payment Due Date OdOber 21 . 201 8Balance Transfers 'l' $0.00 Cash Advances + $0.00 late Payment Warning: |f we do not receive your minimum payment by the Fees Charged + $0.00 date listed above, you may have to pay a late fee of up to $37.00 and your + purchase and balance transfer APRs for new transactions may be increased up to"were“ Charged 5226'64 the Penalty APR of 18.74% variable. New Balance $1 8’750’37 Minimum Payment Warning: If you make only the minimum payment each See Interest Charge Calculation section following the PerlOd: YOU Will POY more i“ “9'65? and ll Will lake YOU IONQGT l° PGY 0“ YOU? Transactions section for detailed APR information balance. For example: Credit Line $1 9,100 '" ' Credit Line Available $349 I w Cosh Advance credit Line $3.400 31 years 545,59 . . . $646 3 years $23,245Cash Advance Credit Llne Available $349 (8min s: $23,346) Y be bl t 'd ' t st P h . 5::23:,“ f; jaguaslfo' m ere on urc uses J If you would like information about credit counseling services, call 'l-800-347-l 121 .L r FicQ 0 REWARDS Cashback Bonus° Ann'versa'yozlmmober Your FlCO° Credit Score on 9/20/1 8 oPenan Balance 5 3-1 8 museum New Cashback Bonus This Period Jrack recent FlCO° Scores on our mobile app or online J Regimgeifliriod 'l: i $33 Cashback Bonus Balance $ 10.1 7 To learn more, log in at Discover.com J Make Check payable to Discover. Do Not Send Cash. Please fold an the perforation below, detach and return with your payment. Payment Coupon 9 Pay Online a Pay by PhonePlease do not fold, clip or staple. Discover.com 1-800-347-2683 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION JANET M BUDERus “6 - 750 47TH AVE src 1 1 CAPITOLA CA 95010-31 36 PO BOX 5i 908 LOS ANGELES, CA 9005i -6208 I Imu I Imll Ilullll ll Ill nu Illl I l IPhone and Internet payments must be received by 5PM ET to be credited as of the some day. " I" l ll ll I I ll Ill I I I I I I IIII Address, e-mail or telephone changed? Note changes on reverse side. JANET M BUDERUS Account number ending in 2971 Important lnfotmaiion Sea your CardmemberAgreemam. Your Cardmember Agreement- confuins all the terms of your Account. Lost or stolen curds. Report immediately! Cull 1-800-347-2683. What 9 o It You Think You Find A Mistake Qn Your Statement: If yout In there is an error on your statement, wnte to us at Discover, PO Box 30421 , Salt Lake City, UT 841 30-0421 , or submit the form provided at https://discover.com/billingerrornotice. You must contact us within 60 days after the error appeared on your statement. You may call us, but if you do we are not required to investigate any potential errors, and you may have to pa the amount in question. The Billing Rights Notice further explains your rig ts. Please see your Cardmember Agreement or visit https://discaver.com/bil|ingrights for a copy of this Notice. 'Payments.You may pay all or part of your Account balance at anytime.However, you must pay at least the Minimum Payment Due by the ayment Due Date. Send only your allowable form of payment “Payment") and theoottom portion of this statement In the envelope prov: ed, after otxmg postage. Payments sent Without proper postage wrll be returned ta thesender. If you pay by check, you authorize us to use information on our check to make an electronic und transfer from your account at the nancial institution indicated on your check or to process the pa ment as a check transaction. lf a P ment is processed as an electronic und transfer, thetransfer Will be for e amount of the check, funds may be Wit rawn from your account as soon as the same day we receive your check, and you willnot receive your check back. Please do not send cash. Sending cash is not allowed. The processing of your allowable form of Payment maybe delayed if you send cash or correspondence with your Payments, if you send the Payment to any otheraddress or if you use an envelope other than the one prowded. Pa mentsreceive at our processing faCIlity by 5PM local time on an day WI be 'credited to your Account as of that day..Pa ments receive at our racessmgfacili after 5PM local time Will be credite to your Account as _e next d8. fyou hove misplaced your envelo;e send your Pa ent to Discover, P Box 6103, Carol Stream, IL 601 9 -6l 03. P ease a ow Z-10 days for . delivery. If your Pagment is returned unpaid .we reserve the ng'ht to resubmit it as on electronic ebit._Payments made online or by phone Will be credited as of the day of receipt it made by 5PM ET. You can also make a Payment or set up automatic. payments by calling 1-800-347-2683. Automatic payments for the billing period shown on yourstatement Will be deducted on the Payment Due Date shown on that statement, or the next automatic payment date referred ta on your statement,unless you request a recurring payment date t at occurs re your PaymentDue Date. If your scheduled payment date falls on a weekend or bank holidayayour payment will be processed the business day prior to the weeken r ban .holiday. [n order to schedule monthly payments by O telephpne, you Will need this statement and our. bank account information.You Will be asked to provide the lost four (4 digits of the sOCIal securitynumber of the primary borrower _as your electronic si nature. By providingthose numbers, you Will be agreeing to this authoriza on to allow us and your bank to deduct each payment you authorize, in the amount selected 3yyou, from your bank account. You also authorize us to initiate debit or cre itentries to your bank account, as applicable, to correct an error in the processingof such gayment. Y_au can cancel a scheduled pa ment by phoneat 1-800- 47-268 or by mail at Discover, PO Box 30421, alt Lake CiUT 841 30-0421; payment cancellations must be received before 5 PM E ofthe scheduled Wilhdrawal date. lf your payments may vary in amount, we Will tell you on each monthly billingstatement when‘your payment Will be made and how much it Will be. You must ensure tha s faent funds are available in your bank account, and all transactions must comply With U.S. law. CHANGE OF ADDRESS Open Date: Aug 27, 201 8- Close Date: Sep 26, 2018 Page2 of 4 You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a xed dollar amount, or (iv) other dollar amount. if your scheduled “Other dollar amount" payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. It the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. If your sd'ieduled payment is greater than the New Balance an your billing statement, that payment wil be processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the billing statement based on credits or payments after the Close Date. It you enroll by phone in our automatic payment service, please fill-in the fo lowing blanks below and retain the authorization for your records. Amount: D Full Pay DMin Pay D Min Pay+ S ; U Other Amount$ ; Bank Routing #2 ; Bank Account#___, Monthly on the U Payment Due Date D Day of month (insert date) Credit Reporting.We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults an your Account may be reected in your credit report. We normally report the status and payment history of your Account ta credit reporting agencies each month. If you believe that our report is inaccurate ar incomplete, please write us at this address: Discover, PO Box 15316,Wilmington, DE 19850-531 6. Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billin periods that begin in February). We will not charge you any interest on Purcases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Date or the rst day of the billing period in which the transaction posted to your Account. HowWe Calculate Interest Charges. We Use the Dail Balance Method (including current transactions) to calculate the Balance ubiect to Interest Rate. For more information, please call us at 1-800-347-2683. Balance Sub‘ect to Interest Rate. our statement shows a Bg‘lance Subiectto nterest Ra e. It shows this for eac transaction category. T .e Balance.Su _|e§1 to Interest Rate is the average of the daily balances during the billing perio . Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billin statement. A credit balance is money that is owed to you. You may make c arges against this amount if our Account is open. We will send you a refund of any remainin balance o $1 .00 or more after 6 months, or as otherwise required by app icable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Balance Transfe . Balarlfe Transfrs are offered at our discretion andaccrue interest att e stan ard purc ase rate unless we tell you atherWise. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® card is issued by Discover Bank, Member FDIC. TL23-26N.02|8 r N If correct an front, do riot use. Please print clearly in blue or black ink, in the space provided. Street Address Home Phone Work Phone City Email State, Zip j To make changes to your address, email or telephone number, visit Discover.com Continued on next page Discover’ More” CardDISC®VER Account number ending in 2971 Open Date: Aug 27, 2018 - Close Date: Sep 26, 2018 Page 3 of 4 CONTACT US Web 4-9 Mobile Phone Inquiry Mail Payments Access your B Manage your 'l -800-DISCOVER Discover Discover account securely account anytime, (1 -800-347-2683) PO Box 30943 PO Box 6‘] 03 at Discover.com anywhere at TDD 1-800-347-7449 Salt Lake City Carol Stream m.Discover.com UT 84] 30 IL 60] 97-61 03 Transactions Trans. Date Post Date Payments and Credits Sep 21 Sep 21 PHONE PAYMENT - THANK YOU S -500.00 Automotive Sep 16 Sep 16 MASTER CARWASH - 41 ST A CAPITOLA CA $ 199.00 Fees TOTAL FEES FOR THIS PERIOD 5 0.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 226.64 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 226.64 201 8 Totals Year-to-Date ' TOTAL FEES CHARGED IN 2018 5 94.89 TOTAL INTEREST CHARGED IN 2018 5 1,855.44 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Periodi days ANNUAL PERCENTAGE PROMO APR BALANCE SUBJECT T0 INTEREST TYPE OF BALANCE RATE (APR)‘ EXPIRATION DATE" INTEREST RATE CHARGE Purchases 02/04/2016 and after 13.74% V N/A $2,340.46 $27.29 02/03/2016 and prior 14.74% V N/A $9,860.25 $123.42 Expired Promotional Purchases Promotional Purchases 14.74% V N/A $6,062.76 $75.93 Cash Advances 25.74% V N/A $0.00 $0.00 Balance Transfers 0.00% 05/26/1 9 $644.37 $0.00 V=Variable Rate t If your account is currently enrolled in a special program or is placed into one during the term of the offer, you will receive the benet of the lower rate while the special program is in effect. This includes, if applicable, any lower rates as authorized under the Servicemembers Civil Relief Act.” This is the date your promotional rote expires and the remaining balance will be moved to your standard APR disclosed when you accepted the offer. Please note: Changing your payment due date may change your Promo APR Expiration Date. “‘ For more information, please call us at 1-800-347-2683. Information For You Effective October 31 , 201 8, we will discontinue Price Protection. This change requires no action on your part. As a cardmember you receive many free valuable card benefits, including FICO° Credit Scorecard, Freeze it”, $0 Fraud Liability on unauthorized purchases on your Discover card, alerts, and many more. To learn more about these benefits you enioy for no annual fee visit Discover.com/benefits NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION JANET M BUDERUS Account number ending in 2971 Open Duie:M 27, 2018- Close Date: Sep 26, 2018 P0964 of 4 Information For You Continued FICO“ Credil Score Terms Your FICO° Credit Score, key factors, and other credit information use the FICO° Score 8 model. They are based on data from TransUnion° and may be different from other credit scores and other credit information provided by different bureaus. This information is intended for and only provided to Primary account holders who have an available score. Your score, key factors and other credit information are available on Discover.com and cardmembers are also provided a score on statements. Customers will see up to a year of recent scores online. Discover and other lenders may use different inputs, such as FICOG Credit Scores, other credit scores and more information in credit decisions. This benefit may change or end in the future. FlCO is a registered trademark of the Fair Isaac Corporation in the United States and other countries. If you prefer not to receive your FICO° Credit Score iust call us at l-BOO-DISCOVER (t -800-347-2683). Please give us two billing cycles to process your request. Discover Financial Services and Fair Isaac are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act. Discover Financial Services and Fair Isaac do not provide 'credit repair' services or assistance regarding "rebuilding' or "improving" your credit record, credit history or credit rating. Availability of FlCO' Credit Score As an active cardmember, you may see your FICO° Credit Score on your monthly statement or online. Reasons why you may not see your FICO’ Credit Score include: if you opt out; if you have key information that is mismatched or missing, as one example, an address change that has not been updated with Discover or TransUnion”; if your credit history is too new; if your account status is abandoned, bankrupt, fraud, lost or stolen, closed, revoked, or charged off,- if you have o foreign address. Your FICO° Score is disclosed on statements when your statement is available. You may not receive a statement if you have no account activity such as no purchase transactions, fees, interest, or payments for approximately 30 days. More from Discover Did you know Discover also offers savings accounts to help you earn more? Whether you need to save for a rainy day or for the long term, when you open a Discover Online Savings account, you'll be sure to enioy a competitive annual percentage yield and no monthly fees. Plus, you'll continue to enioy the some 100% U.$. based customer service, anytime of day or night. Discover Bank, Member FDIC. Visit DiscoverBank.com/OSA to get started. DISC VER Discover“ More’ Card Account number ending in 2971 Open Date: Jul 27, 201 8- Close Daie: Aug 26, 201 8 Cordmember Since 2002 Page 1 of 4 r N r W Previous Balance $17,553.65 New Balance $1 8,824.73 Paymers and Credi's + 5500-00 Minimum Payment Due $377.00 PurChases $82799 Payment Due Date September 21 , 201 8Balance Transfers + $696.46 Cash Advances + $0.00 Lute Payment Warning: If we do not receive your minimum payment by the Fees charged + $20.39 date listed above, you may have to pay a late fee of up to $37.00 and your + purchase and balance transfer APR; for new transactions may be increased up towere“ CharQEd $22374 the Penalty APR of 18.74% variable. New Balance $18’824'73 Minimum Payment Warning: If you make only the minimum payment each See Interest Charge Calculation section following the period, you will pay more in interest and it will take you longer to pay off your Transactions section for detailed APR information balance. For example: Credit Line $19,100 _ w __‘:5' Credit Line Available $275 H _ ‘ v o _ _ I r Cash Advance Credit Line $3.400 Only the minimum payment 31 years $46,774 . . . $648 3 years $23,311Cash Advance Credit Line Available $275 (savings? $23,463) Y b bl t 'd ' t st P h . 5:: 33:“:er getoaas‘fo' m ere on um uses J k If you would |il', Mobile Phone Inquiry Mail Payments Access your Q Manage your I-800-DISCOVER Discover Discover account securely accounl anytime, (l -800-347-2683) PO Box 30943 PO Box 6] 03 at Discover.com anywhere ai TDD 1-800-347-7449 Salt Lake City Carol Slream m.Discover.com UT 841 30 IL 601 97-6103 Transactions Trans. Dale Posl Date Payments and Credits Ju 2t Ju 21 PHONE PAYMENT - THANK YOU $ -400.00 Travel/Entertainment Ju 12 Ju t2 ACE RENT A CAR RESERVATI INDIANAPOLIS IN $ 124.64 Ju 19 Ju 19 SHERATON SUITES KEYWEST 305-292-9800 FL 325.1 3 Ju I9 Ju 19 SHERATON SUITES KEYWEST 305-292-9800 FL 325.91 Ju 21 Ju 21 ROAM RENTAL CAR OF MIAMI MIAMI FL 193.84 Services Ju 5 Ju 5 ROTO ROOTER SANTA CRUZ CA $ 252.00 Fees TOTAL FEES FOR THIS PERIOD 5 0.00 Interest Charged INTEREST CHARGE ON PURCHASES 5 204.96 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 204.96 201 8 Totals Year-to-Date TOTAL FEES CHARGED IN 2018 5 74.00 TOTAL INTEREST CHARGED IN 2018 5 1,403.06 Interest Charge Calculation YourAnnual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Periods30 days ANNUAL PERCENTAGE PROMO APR BALANCE SUBJECT TO INTEREST TYPE OF BALANCE RATE (APR)‘ EXPIRATION DATE“ INTEREST RATE CHARGE Purchases 02/04/201 6 and altar 13.74% V N/A $1 248.20 $1 4.08 02/03/201 6 and prior 14.74% V N/A $9,842.28 $1 19.22 Expired Promotional Purchases Promotional Purchases 14.74% V N/A $5,914.06 $71 .66 Cash Advances 25.74% V N/A $0.00 $0.00 V=VariabIe Rate C If your account is currently enrolled in a special program or is placed into one during the term of the offer, you will receive the benefit of the lower rate while the special program is in effect. This includes, if applicable, any lower rates as authorized under the Servicemembers Civil Relief Act.” This is the date your promotional rate expires and the remaining balance will be moved to your standard APR disclosed when you accepted the offer. Please note: Changing your payment due date may change your Promo APR Bpiration Date. “‘ For more information, please call us at 1-800-347-2683. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION JANET M BUDERUS Account number ending in 2971 Open Daie: Jun 27, 2018- Close Date: Jul 26, 2018 P0994 of 6 Information For You FICO° Credit Score Terms Your FICO° Credit Score, key factors, and other credit information use ihe FICO° Score 8 model. They are based on dole from TransUnion° and may be differenl from other credit scores and other credit information provided by different bureaus. This information is intended for and only provided to Primary account holders who have an available score. Your score, key factors and other credit information are available on Discover.com and cardmembers are also provided a score on statements. Customers will see up to a year of recent scores online. Discover and other lenders moy use different inputs, such as FICO° Credit Scores, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries. If you prefer not to receive your FICO” Credit Score just call us at 1-800-DISCOVER (1 -800-347-2683). Please give us two billing cycles to process your request. Discover Financial Services and Fair Isaac are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act. Discover Financial Services and Fair Isaac do not provide "credit repair' services or assistance regarding “rebuilding' or "improving" your credit record, credit history or credit rating. Availability of FICO” Credit Score As an active cardmember, you may see your FlCO” Credit Score on your monthly statement or online. Reasons why you may not see your FICO° Credit Score include: if you opt out; if you have key information that is mismatched or missing, as one example, an address change that has not been updated with Discover or TransUnion°; if your credit history is too new; if your account status is abandoned, bankrupt, fraud, lost or stolen, closed, revoked, or charged off; if you have a foreign address. Your FICO° Score is disclosed on statements when your statement is available. You may not receive a statement if you have no account activity such as no purchase transactions, fees, interest, or payments for approximately 30 days. More from Discover Did you know Discover also offers savings accounts to help you earn more? Whether you need to save for a rainy day or for the long term, when you open a Discover Online Savings account, you'll be sure to enioy a competitive annual percentage yield and no monthly fees. Plus, you'll continue to enioy the some 100% U.$. based customer service, anytime of day or night. Discover Bank, Member FDIC. Visit DiscoverBank.com/OSA61 8N to get started. k Discover’ More” Card Accouni number ending in 297] Open Date: Jun 27, 2018- Close Date: Jul 26, 2018 Cardmember Since 2002 Page 5 of 6( Your FICO® Credit Score Histo Exceptional 800 - 850 Very Good 740-799 Good 670- 739 Fair 580-669 Poor 300 - 579 08/17 09/17 10/17 11/17 12/17 01/18 02/18 03/18 04/18 05/18 06/18 07/18 Important Information: - We may not always receive a score for you each month, so there may be months with no scores. - For questions on the availability of your score go to the 'Information For You' section of this statement. This chart will be shown in every Jan, Apr, Jul and Oct statement when you have up to 12 months of scores. Log in to Discover.com/FICO any time to see key factors that help explain your scores. FICOQ Credit Scores consider the following for the general population: N 35% Payment History -- -- -- 30% Amounts Owed 10% New Credit . 10% Credit Mix ....,...... . 15% Length at Credit See FICO° Credit Score Terms on the 'Information For You‘ section of this statement 201 7 Discover Bank, Member FDIC CODE_SUM_031 7 JANET M BUDERUS Account number ending in 2971 Open Dale: Jun 27, 2018 - Close Date: Jul 26, 2018 Pgge 6 of 6 DISC VER Discover" More“ Cord Account number ending in 2971 Open Date: May 27, 2018- Close Date: Jun 26, 201 8 Cardmember Since 2002 _ Page 1 of 4 (Previous Balance $16,321 .2? r New Balance $1 6,527.1 7 1 Payments and Credits ; $500.00 Minimum Payment Due $33] '00“@0595 30-00 Payment Due Date July 21, 201 8Balance Transfers + $0.00 Cash Advances + $0.00 Late Payment Warning: If we do not receive your minimum payment by the Fees Charged + $000 date listed above, you may have to pay a lole fee of up lo $37.00 and your + purchase and balance iransfer APRs for new transactions may be increased up towere“ Chars“ $20592 the Penalty APR of 18.49% variable. New Balance $1 6’527'] 7 Minimum Payment Warning: If you make only the minimum payment each See Interest Charge Calculation section following the period, you will pay more in interest and it will take you longer to pay off your Transactions section for detailed APR information balance. For example: Credit Line $19,100 ‘1‘" W m ' Credit Line Available $2,572 u: '_ ‘1 . _ . _ _ , Cash Advance Credit Line $3,400 Only the minimum payment $39,855 . . . $568 3 years $20,462Cosh Advance Credit Line Available $2,572 (Savings: $19,393) Y b bl t ‘d ' t t P h . 5:: 2‘21“:er designasfo' m ares on urc uses K If you would like information about credit counseling services, call 1-800-347-1 121JJ r F|co ‘ REWARDS- Anniversary Monthol Cashback Bonus Odober W Your rico" Credit Scare on 6/20/1 a Opening Balance $ 2-77 What-Mm New Cashback Bonus This Period + $ 0.00 Jrack recent FICO° Scores on our mobile app or online J Redeemed Th's Per'od ' s 0‘00Cashback Bonus Balance $ 2.77 k To learn more, log in at Discovemom J Make Check payable to Discover. Do Nat Send Cash.NOTICE: SEE REVERSE S'DE FOR IMPORTANT INFORMATION Please fold on the perforation below, detach and return with your payment. Payment Coupon 9 Pay Online Pay by PhonePlease do not fold, clip or staple. Discover.com 1800-3412683 I"II'I'I"lI'II'II'III'III'I|l"I'II'|I'Iu'ln'lllllllml-"I'I JANET M BUDERUS g750 47TH AVE SPC ll CAPITOLA CA 9501 0-31 36 PO BOX 51 908 LOS ANGELES, CA 9005l -6208 Phone and Internet payments must be received by 5PM ETto be credited as otthe same day. "IIIIIIIII"IllllllllllllllllnlIn"ll'"IIIIIIIIIIIIIHIIIIIII Address, e-mail or telephone changed? Note changes on reverse side. JANET M BUDERUS Account number ending in 2971 lmpoant lnformulion See your CardmamberAgreemenI. Your Cardmember Agreement contains all the terms of your Account. lost or stolen cards. Report immediately! Cull 1-800-347-2683. What 9 Do If You Think You Find A Mistake Qn Your Statement: If you t Ink there is an error on your statement, wnte to us at Discover, PO Box 30421 , Salt Loke City, UT 841 30-0421 , or submit the form provided at https://discover.com/billingerrornotice. You must contact us within 60 d s otter the error appeared on your statement. You may call us, but if youazo we are not required to investigate any potential errors, and you may have to p the amount in question. The Billing Rights Notice further explains your rig ts. Please see your Cordmember Agreement or visit https://discover.com/billingrights for a copy of this Notice. Payments. You may pay all or part of your Account balance at anytime.However, you must pay at least the Minimum Payment Due by the aymentDue Date. Send only your allowable form of payment “Payment") and thebottom portion of this statement in the envelope prov: ed, after affixing postage. Payments sent Without proper postage Will be returned to thesender. If you pay by check, Lou authorize us to use Information ongour _check to make an electronic rid transfer from your account at the manual institution indicated on your check or to process the pa ment as a check transaction. If a Payment is processed as an electronic und transfer, thetransfer Will be for he amount of the check, funds may be Wit rown rom your account as soon as the same day we receive your check, and you will not receive your check back. Please do not send cash. Sending cashij not allowed. The processing of your allowable form of Payment may be elayed if you send cash or correspondence with your Payments, if you send the Payment to any other address or if you use an envelope other than the one provided. Polymentsreceived at our processing facility by 5PM local time on an day wi be . credited to your Account as of that day..Pa ments receive at our rocessmg faculty after 5PM local time Will be credite to your Account as of .e next d3. f you hove misplaced your envelope send your Pa ment to Discover, P Box 6103, Carol Stream, |L 601 97-6l 03. P ease al ow 7-10 days for delivery. lfyour Pa ment is returned unpaid .we reserve the right to resubmit it as on electronic e_bit..rayments made o line or by phone will be credited as of the day of receipt i mad by 5PM ET. You can also make a Payment or set up automatic payments by calling1-800-347-2683. Automatic payments for the billing period shown on your statement will be deducted on the Payment Due Date shown on that statement, or the next automatic payment date referred to on your statement, unless you request a recurring payment date that occurs before your PaymentDue Date. If your scheduled payment date falls on a weekend or bank holiday, our pa ment Will be processed the busmess day prior to the weeken or ban _ holiday. in order to schedule monthly payments by telephone, you Will need this statement and our. bank account information.You will be asked to provrde the lost four (4ldigits of the social security.number of the primary borrower gs your electronic signature. By prowdingthose numbers, you Will be agreeing to this au‘hori_za ion to allow us and your bank to deduct each payment you author-2e, in the amount selected b you, om your bank account. You also author ze us to initiate debit or cre itentries to your bank account, as applicable, to correct an error in the processingof such gayment. You can cancel a scheduled pa ment by phoneat 1-800- 47-268 or by mail at Discover, PO Box 30421, alt Lake Ci ,UT 841 30-0421' payment cancellations must be received before 5 PM E ofthe scheduled Withdrawal date. If your payments may vary in amount, we will tell you on each monthly billingstatement when your payment Will be made arid how much it Wil e. oumust ensure that sufficrent funds are available in your bank account, and alltransactions must comply With U.S. law. CHANGE OF ADDRESS Open Date: May 27, 2018- Close Date: Jun 26, 2018 PageZ of 4 You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a xed dollar amount, or (iv) other dollar amount. If your scheduled 'Other dollar amount" payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month wi be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. If your scheduled payment is reater than the New Balance on your billing statement, that payment wi be processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the billing statement based on credits or payments after the Close Date. If you enroll by phone in our automatic payment service, please fill-in the fo lowing blanks below and retain the authorization for your records. Amount: U Full Pay DMin Pay D Min Pay+ S ; D Other Amount$ ; Bank Routing #: ; Bank Account # ; Monthly on the U Payment Due Date U Day of month (insert date) Credit Reporting.We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at this address: Discover, PO Box 1531 6,Wilmington, DE 19850-53] 6. Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will not charge you any interest on Purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Date or the rst day of the billing period in which the transaction posted to your Account. HowWe Calculate Interest Charges. We Use the Dail Balance Method gncluding current transactions) to calculate the Balance ubiect to Interest ate. For more information, please call us at 1-800-347-2683. Balance Subject to Interest Rate. Your statement shows a Balance Subjectto 'nterest Ra . It showst is for each transa i_on category. Th_e 311mg? Suqiedct to Interest Rate ist e average of the aily ba ances duringt e i ling perio . Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billin statement. A credit balance is money that is owed to you. You may make c arges against this amount if our Account is open. We will send you a refund of any remainin balance oz$1 .00 or more after 6 months, or as otherwise required by app icable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Balance Transfers. Balance Transfers are offered at our discretion andaccrue interest at the standard purchase rate unless we tell you otherwrse. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® card is issued by Discover Bank, Member FDlC. 11.23-26N.0218 W If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Street Address Home Phone Work Phone City Email State, Zip k J To make changes to your address, email or telephone number, visit Discover.com Continued an next page DISCQVER' CONTACT US Discover” More” Cord Accouni number ending in 2971 Open Dale: May 27, 201 8 - Close Doie: Jun 26, 201 8 Page 3 of 4 Web Mobile Phonea; Inquiry Mail Payments Access your a Manage your 1 -800-DISCOVER Discover Discover account securely account anytime, (1 -800-347-2683) PO Box 30943 PO Box 6] 03 at Discovemom anywhere a! TDD 1-800-347-7449 Sal! Lake City Carol Sirearn m.Discover.com UT 841 30 IL 601 97-6] 03 Transactions Trans. Dale Post Date Payments and Credits Jun 20 Jun 20 PHONE PAYMENT - THANK YOU -500.00 Fees TOTAL FEES FOR THIS PERIOD 0.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 205.92 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 205.92 201 8 Totals Year-to-Date TOTAL FEES CHARGED IN 2018 5 74.00 TOTAL INTEREST CHARGED IN 20I8 s 1,198.10 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Poriod:3'| days TYPE OF BALANCE Purchases 02/04/201 6 and after 02/03/201 6 and prior Expired Promotional Purchases Promotional Purchases Cash Advances V=Variable Rate 0 ANNUAL PERCENTAGE PROMO APR BALANCE SUBJECT TO INTEREST RATE (APR)" EXPIRATION DATE“ INTEREST RATE CHARGE 13.49% V N/A $1,103.87 $12.63 14.49% V N/A $9,862.12 $121.37 14.49% V N/A $5,842.31 $71.92 25.49% V N/A $0.00 $0.00 If your account is currently enrolled in a special program or is placed into one during the term of the offer, you will receive the benefit of the lower rate while the special program is in effect. This includes, if applicable, any lower rates as authorized under the Servicemembers Civil Relief Act.” This is the date your promotional rate expires and the remaining balance will be moved to your standard APR disclosed when you accepted the offer. Please note: Changing your payment due date may change your Promo APR Expiration Date. ’" For more information, please call us at 1-800-347-2683. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION JANET M BUDERUS Account number ending in 2971 Open Date: May 27, 2018- Close Date: Jun 26, 2018 P0964 of 4 lnformaiion For You FICO° Credit Score Terms Your FICO° Credit Score, key factors, and other credit informuon use the FICO° Score 8 model. They are based on data from TransUnion° and may be differeni from other credit scores and other credit information provided by different bureaus. This information is intended for and only provided to Primary account holders who have on available score. Your score, key factors and other credit information are available on Discover.com and cardmembers are also provided a score on statements. Customers will see up to a year of recent scores online. Discover and other lenders may use different inputs, such as FlC0° Credit Scores, other credit scores and more information in credit decisions. This benet may change or end in the future. FICO is a registered trademark of the Fair lsaac Corporation in the United States and other countries. If you prefer not to receive your FICO“ Credit Score iust call us at 1-800-DISCOVER (1 -800-347-2633). Please give us two billing cycles to process your request. Discover Financial Services and Fair Isaac are not credit repair organizations as dened under federal or state law, including the Credit Repair Organizations Act. Discover Financial Services and Fair Isaac do not provide "credit repair“ services or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. Availability of FICO° Credit Score As an active cardmember, you may see your FICO° Credit Score on your monthly statement or online. Reasons why you may not see your FICO° Credit Score include: if you opt out; if you have key information that is mismatched or missing, as one example, an address change that has not been updated with Discover or TransUnion’; if your credit history is too new; if your account status is abandoned, bankrupt, fraud, lost or stolen, closed, revoked, or charged off; if you have a foreign address. Your FICO° Score is disclosed on statements when your statement is available. You may not receive a statement if you have no account activity such as no purchase transactions, fees, interest, or payments for approximately 3O days. DI$C®VER Discover’ More” Card Account number ending in 2971 Open Date: Apr 27, 2018- Close Dole: May 26, 201 8 Cardmember Since 2002 Page 1 of 4 r rPrevious Balance s1 6,871 .ao 1 New Balance $1 6,821 .25 W Payments and Credits ; $338.00 Minimum payment Due $337.00thases $49-92 Payment Due Daze _ June 21, 201 8Balance Transfers + $0.00 Cash Advances + $0.00 Late Payment Warning: If we do not receive your minimum payment by the Fees Charged + $3700 date listed above, you may have to pay a late fee of up to $37.00 and your + purchase and balance transfer APRs for new transactions may be increased up toNew“ Chmged $20053 the Penalty APR of 1 8.49% variable. New Balance 316’821 '25 Minimum Payment Warning: If you make only the minimum payment each See Interest Charge Calculation section following {he period, you will pay more in interest and it will take you longer to pay off your Transactions section for detailed APR information balance. For example: - - A”: Linger-yr: ' ' i. ‘ v ‘ - ' " - '. "'46” a: ' f ,gCredit Line $19,100 3f”; gggg I IV _ i: f T Z ”g? :11.cred" Lme Available 52'278 F u’ l-I. ‘ W'- Ali 2:" ‘7 ..,.? .l. a ml . l, him: . aaé 5.}: COSh Advance Credit Line $3,400 Only the minimum payment 29 years $40,607 . . . $578 3 years $20,820Cash Advance Credit Line Available $2,278 (saving: s] 9,787) Y b bl t 'd ' t t P h . 5:: :31“:er deetzilas‘io' m eras on urc uses k lf you would like information about credit counseling services, call 1-800-347-1 121 .J .' F|co ‘ REWARDS~ Anniversa Month VO rYCashback Bonus Odober Your Flco° Credit Scare on 5/20/1 8 Opening Balance 5 2-65 WWW New Cashback Bonus This Period Jrack recent FICO° Scores on our mobile app or online J Re:::m2::iflg:riod l: i gag Cashback Bonus Balance S 2.77 To learn more, log in at Discover.com j Make Check payable to Discover. Do Not Send Cash.NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Please fold on the perforation below, detach and return with your payment. Payment Coupon 9 Pay Online Pay by PhonePlease do not told, clip or staple. Discover.com 1-800-347-2683 "llll""'l"I'lll"lll'll'II”l'lIl'l"'"llll"l"l'l'l'l'l'll JANET M BUDERUS . l:750 47TH AVE SPC 1 1 CAPITOLA CA 9501 0-31 36 PO BOX 51 908 LOS ANGELES, CA 90051 -6208 Phone and Internet payments must be received by 5PM ETto be credited as ofthe same day. lllll'llllllllll“I'IIIIIIIII'llllllllIllllllllllllll'll""lull Address, e-mall or telephone changed? Note thongs on reverse side. JANET M BUDERUS Account number ending in 2971 Important Information See your CurdmemberAgreement. Your Cardmember Agreement contains all the terms of your Account. lost or stolen cards. Report immediately! Call 1-800-347-2683. What To o If You Think You Find A Mistake Qn Your Statement: If you thin there is an error on your statement, write to us at Discover, PO Box 30421 , Salt Lake City, UT 841 30-0421 , or submit the form provided at https://discover.com/billingerrornotice. You must contact us within 60 da s after the error appeared on your statement. You may call us, but if you o we are not required to investigate any potential errors, and you may have to pa the amount in question. The Billing Rights Notice further explains your rig ts. Please see your Cardmember Agreement or visit https://discover.com/billingrights for a copy of this Notice. Payments. You may pay all or part of your Account balance at anytime.However, you must pay at least the Minimum Payment Due by the aymentDue Date. S_end only your allowable form of payment “Payment") and thebottom portion of this statement in the envelope provr ed, after afxtng postage. Payments sentWithout proper postage wrll be returned to thesender. if you pay by check, ou au horize us to use information on our ' check to make an electronic nd transfer from your account at the nancual institution indicated on your check or to process the pa merit as a check transaction. If a P ment is processed as an electronic und transfer, thetransfer Will be for e amount of the check, funds may be Withdrawn from your account as soon as the same day we receive your ched<, and you will not receive your check back. Please do rLot send cash. Sending cash is not allowed. The processing of your allowa Ie form of Payment may be delayed if you send cash or correspondence with your Payments, if you send the Payment to any other address or if you use on envelope other than the one prowded. Polymentsreceived at our processing faCIlity by 5PM local time on any day wi be . credited to your Account as of that day._Hments received at our ccesstngfactli after 5PM local time Will be credit to your Account as of next d8. fyou have misplaced your envelope sen our Payment to Discover, P Box 6103, Carol Stream, IL 601 97-61 03. P ease ol ow 7-10 days for delivery. If your .Pagment is returned unpaid .we reserve the right to resubmit it as on electronic e_bit._ Payments made online or by phone Will be creditedas of the day of receipt if made by 5PM ET. You can also make a Payment or set up automatic. payments by calling1-800-347-2683. Automatic payments for the billing period shown on yourstatement will be deducted on the Payment Due Date shown on that statement, or the next automatic payment date referred to on your statement,unless you request a recurring payment date that occurs before your PaymentDue Date. If your scheduled payment date falls on a weekend or bank holiday, our pa ment Will be processed the business day prior to the weekendyor bank. holiday. [n order to schedule monthly payments by . telephpne, you Will need this statement and our. bank account information.You Will be asked to provtde the lost four (4ldigits of the social security_number of the primary borrower as your electronic Signature. By provtding those numbers, you Will be agreeing to this authoriza ion to allow us and your bank to deduct each payment you authorize, in the amount selected b you, from your bank account. You also authorize us to initiate debit or cre itentries to your bank account, as applicable, to correct an error in the processingof such Sayment. You can cancel a scheduled pa ment by phoneat 1-800- 47-268 or by mail at Discover, PO Box 30421, alt Lake City,UT 841 30-0421,; payment cancellations must be received before 5 PM E ofthe scheduled Withdrawal date. lf your payments may vary in amount, we will tell you on each monthly billing statement when your payment Will be made arid how much it Will be. oumust eneure that suffiuent fpnds are available in your bank account, and alltransactions must comply With U.S. law. CHANGE OF ADDRESS Open Date: Apr 27, 201 B- Close Date: May 26, 2018 Page2 of 4 You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) other dollar amount. lf your scheduled 'Other dollar amount" payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. lf your scheduled payment is greater than the New Balance on your billing statement, that payment Wil be processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the billing statement based on credits or payments after the Close Date. if you enroll by phone in our automatic payment service, please fill-in the to lowing blanks below and retain the authorization for your records. Amount: U Full Pay UMin Pay UMin Pay+ $ ; U Other Amount$ ; Bank Routing #: ; Bank Account # ; Monthly on the D Payment Due Date D Day of month (insert date) Credit Reporting.We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at this address: Discover, PO Box 1531 6,Wilmington, DE 19850-531 6. Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will not charge you any interest on Purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Date or the rst day of the billing period in Whid'i the transaction posted to your Account. HowWe Calculate Interest Charges. We Use the Dail Balance Method gncluding current transactions) to calculate the Balance ubiect to Interest ate. For more information, please call us at 1-800-347-2683. Balance Subéect to Interest Rate. Your statement shows a Belance Subjectto nterest Ra e. ltshowst is for each transa ion cae o . T eBala c Sub dl g ry rbiing.(ect to Interest Rate ist e average of the aily balances during the period. Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billin statement. A credit balance is money that is owed to you. You may make c arges against this amount if our Account is open. We will send you a refund of any remainin balance o $1 .00 or more after 6 months, or as otherwise required by app icable law, or'upon request made to the address in the Contact Us section on page 3 of your billing statement. Balance Transfers. Balance Transfers are offered at our discretion andaccrue interest at the standard purchase rate unless we tell you otherwrse. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® card is issued by Discover Bank, Member FDIC. TL23-26N.02|8 If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Street Address Home Phone Work Phone City Email State, Zip c To make changes to your address, email or telephone number, visit Discover.com Continued on next page DISC VER' CONTACT US Discover° More” Cord Account number ending in 2971 Open Date: Apr 27, 201 8 - Close Daie: May 26, 201 8 Page 3 of 4 Web I?” Mobile Phone Inquiry Mail Payments Access your Q Manage your l-BOO-DISCOVER Discover Discover account securely account anytime, (1 -800-347-2683) PO Box 30943 PO Box 61 03 01 Discover.com anywhere at TDD 1-800-347-7449 Salt Lake City Carol Stream m.Discover.com UT 841 30 IL 601 97-61 03 j Transactions Trans. Date Post Date Payments and Credits May 22 May 22 PHONE PAYMENT - THANK YOU -338.00 Merchandise May 15 May 15 RICHARDSILVERSPUBLISH 888-2321834 NY 49.92 Fees May 21 May 21 LATE FEE 37.00 TOTAL FEES FOR THIS PERIOD 37.00 Interest Charged INTEREST CHARGE ON PURCHASES 200.53 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 200.53 201 8 Totals Year-to-Date TOTAL FEES CHARGED IN 2018 74.00 TOTAL INTEREST CHARGED IN 2018 992.18 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period330 days TYPE OF BALANCE Purchases 02/04/2016 and after 02/03/2016 and prior Expired Promotional Purchases Promotional Purchases Cash Advances V=Variable Rate ANNUAL PERCENTAGE PROMO APR BALANCE SUBJECT T0 INTEREST RATE (APR)' EXPIRATION DATE“ INTEREST RATE CHARGE 13.49% V N/A $1,380.52 $15.30 14.49% V N/A $9,779.85 $1 16.47 14.49% V N/A $5,771.98 $68.76 25.49% V N/A $0.00 $0.00 while the special program is in effect. This includes, if applicable, any lower rates as authorized under the Servicemembers Civil Relief Act.” This is the date your promotional rate expires and the remaining balance will be moved to your standard APR disclosed when you accepted the offer. Please note: Changing your payment due date may change your Promo APR Expiration Date."” For more information, please call us at 1-800-347-2683. If your account is currently enrolled in a special program or is placed into one during the term of the otter, you will receive the benefit of the lower rate NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION JANET M BUDERUS Account number ending in 297] Open Date: Apr 27, 2018- Close Dale: May 26, 2018 Page4 of 4 Information For You FICO° Credit Score Terms Your FICO° Credii Score, key factors, and other credit information use the FICO° Score 8 model. They are bosed on data from TronsUnion° and may be different from other credit scores and other credit information provided by different bureaus. This information is intended for and only provided to Primary account holders who have an available score. Your score, key factors and other credit information are available on Discover.com and cordmembers ore also provided a score on statements. Customers will see up to a year of recent scores online. Discover and other lenders may use different inputs, such as FICO° Credit Scores, other credit scores and more information in credit decisions. This benet may change or end in the future. FlCO is a registered trademark of the Fair Isaac Corporation in the United States and other countries. If you prefer not to receive your FICO° Credit Score iust call us at 1-800-DISCOVER (t -800-347-2683). Please give us two billing cycles to process your request. Discover Financial Services and Fair lsaac are not credit repair organizations as dened under federal or state law, including the Credit Repair Organizations Act. Discover Financial Services and Fair lsaac do not provide 'credit repair' services or assistance regarding "rebuilding' or "improving" your credit record, credit history or credit rating. Availability of FICO’ Credit Score As an active cardmember, you may see your FICO° Credit Score on your monthly statement or online. Reasons why you may not see your FICO° Credit Score include: if you opt out; if you have key information that is mismatched or missing, as one example, an address change that has not been updated with Discover or TransUnion°; if your credit history is too new; if your account status is abandoned, bankrupt, fraud, lost or stolen, closed, revoked, or charged off; if you have a foreign address. Your FlCO° Score is disclosed on statements when your statement is available. You may not receive a statement if you have no account activity such as no purchase transactions, fees, interest, or payments for approximately 30 days. More from Discover From higher-rate bill consolidation to spring home improvements, Discover® is here for you with a fixed-rate personal loan up to $35,000. Customize your loan with budget-friendly terms, plus $0 origination and $0 closing fees. Get started today. Call 1-888-347-9424 or visit DiscoverPersonalLoans.com/spring. DISC VER Discover" More” Card Account number ending In 2971 Open Date: Mar 27, 201 8- Close Date: Apr 26, 201 8 Cardmember Since 2002 Page 1 of 6 r N N Previous Balance $1 7,0] 2.78 New Balance $1 6,871 .80 Payments and Credits I; $387.00 Minimum Paymen. Due $338.00 30-00 Payment Due Date May 21, 201 8Balance Transfers + $0.00 Cash Advances + $0.00 Late Paymem Warning: If we do not receive your minimum p ment by theay Fees Charged + $3700 date listed above, you may have to pay a late fee of up to $37.00 and your + purchase and balance fransfer APRs for new lransacons may be increased up to'"le’es' Chmged $20902 the Penalty APR of 18.49% variable. New Balance “6’8“ ’80 Minimum Payment Warning: If you make only the minimum payment each See Interest Charge Calculation section following the period, you will pay more in interest and it will take you longer to pay off your Transactions section for detailed APR information balance. For ”example:Credit Line $1 9,1 oo ' Credit Line Available $2,228 J V V _ _ _ Cosh Advance Credit Line $3,400 Only themminimurnpayment 29years I $40726 - - - $580 3 years $20,879Cash Advance Credit Line Available $2,228 (Savings: $1 9,847) Y b bl t 'd ' t t P h . 5:: 236),“:er dee'oailasfm m eras on WC uses k If you would like information about credit counseling services, call 1-800-347-1 121 Jj r Flco 2 REWARDS- Anniversary Month loCashback Bonus Odober Your Flco° Credit Score on 4/20/1 8 Opening Balance $ 2.65 mow-Mow New Cashback Bonus This Period + $ 0.00 Jrack recent scores on the FICO page in this statement J Redeemed Th's Per'od ' s 0'00Cashback Bonus Balance $ 2.65 To learn more, log in at Discover.com J Make Check payable to Discover. Do Not Send Cash.NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Please fold on the perforation below, detach and return with your payment. Payment Coupon e Pay Online Pay by PhonePlease do not fold, clip or staple. Discover.com 1-800-347-2683 II'l-l-'I---'II'-'I'IIII"Hut-"III'I'IIIIIIIIIII'II-IIIII'I'II JANET M BUDERUS %750 47TH AVE SPC l l CAPITOLA CA 9501 0-31 36 PO BOX 51 908 LOS ANGELES, CA 90051 -6208 Phone and Internet payments must be received by 5PM ET to be credited as of the some day. Address, o-mail or telephone changed? Note changes on reverse side. JANET M BUDERUS Account number ending in 2971 Imporlant Information Sea your CardmemberAgreement. Your Cardmember Agreemen‘ contains all the terms of your Account. Lost or stolen cards. Report immediately] Call 1-800-347-2683. What 9 Do If You Think You Find A Mistake Qn Your Statement: If you t Ink there is an error on your statement, wnte to us at Discover, PO Box 30421 , Salt Lake City, UT 841 30-0421 , or submit the form provided at https://discover.com/billingerrornotice. You must contact us within 60 days after the error appeared on your statement. You may call us, but if you do we are not required to investigate any potential errors, and you may have to pay! the amount in question. The Billing Rights Notice further explains your rig ts. Please see your Cardmember Agreement or visit https://discover.com/billingrights for a copy of this Notice. Payments. You may pay all or part of your Account balance at anytime.However, you must pay at least the Minimum Payment Due by the ayment Due Date. Send only your allowable form of paymentéWayment") and the oottom portion of this statement In the envelope prov: ed, after afxing postage. Payments sent wuthout proper postage Will be returned to the sender. If you pay by check, you au honze us to use information on¥our .check to make an electronic und transfer from your account at the nancual institution Indicated on your check or to process the pa ment as a check transaction lt a Pa merit is processed as in fledronic und transfer, thetransfer Will be for he amount of the chec , unds may be Withdrawn from your account as soon as the same day we receive your check, and you will not receive your check back. Please do not send cash. Sending cash is not allowed. The processing of your allowable form of Payment may.be delayed if you send cash or correspondence with your Payments, if you send the Payment to any otheraddress or if you use an envelope other than the one prowded. Pa ments received at our processing faCIlity by 5PM local time on ardiy day wi be credited to your Account as of that days Pa merits receive at our rocessing faCIlitr after 5PM local time Will be credit to your Account as o .e nextda . fyou hove mis laced your envelgpe send your Pa merit to Discover, P 'Box 6103, Caro Stream, IL 6019 -6i03. Pease a ow 7-10 days for . elivery. If your Pagment is returned unpaid _we reserve the right to resubmit it as on electronic bit. Payments madenline or by phone will be credited 'as of the day of receipt if made by 5PM You can also make a Payment or set up automatic payments by calling 1-800-347-2683. Automatic payments for the billing period shown on your statement Will be deducted on the Payment Due Date shown on that statement, or the next automatic payment date referred to on your statement,unless you request a recurring payment date that occurs before your PaymentDue Date. If your scheduled payment date falls on a weekend or bank holidayayour pa ment Will be processed the busmess day prior to theweaken r ban _holiday. in order to sche ule monthly payments by h telephone, you Will need this statement an our. an account information.You will be asked to prowde the lost four (4 digits of the social securitynumber of the primary borrower as your eledronic 5i nature. By prowdingthose numbers, you Will be agreeing to this authorize on to allow us and your bank to deduct each payment you aut orize, in the amount selected b you, from your bank account. You also aut orize us to initiate debit or cre itentries to your bank account, as applicable, to correct an error in the processm of suchgayment. You can cancel a scheduled p ment by phoneat 1-800- 47-268 or by mail at Discover, PO Box 3942i, alt Lake City,UT - 421; payment cancellations must be received before 5 PM E of the scheduled Withdrawal date. If your payments may vary in amount, we will tell you on each monthly billingstatement when your payment Will be made arid how much it Will be. oumust ensure that sufCIent funds are available in your bank account, and alltransactions must comply With U.S. law. CHANGE OF ADDRESS Open Date: Mar 27, 2018 - Close Date: Apr 26, 201 8 Page2 of 6 You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a xed dollar amount, or (iv) other dollar amount. lf our scheduled 'Other dollar amount" payment is not enough to cover the Azinimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. lf the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. lf your scheduled payment is reater than the New Balance on your billing statement, that payment wi be processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the billing statement based on credits or payments after the Close Date. If ou enroll by phone in our automatic payment service, please till-in the fo lowing blanks below and retain the authorization for your records. Amount: D Full Pay DMin Pay DMin Pay+ $ ; [l Other Amount$ ; Bank Routing #: ; Bank Account # ; Monthly on the U Payment Due Date l] Day of month (insert date) Credit Reporting.We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at this address: Discover, PO Box 1531 6,Wilmington, DE 19850-5316. Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billin periods that begin in February). We Will not charge you any interest on Purc ases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Date or the rst day of the billing period in which the transaction posted to your Account. HowWe Calculate Interest Charges. We Use the Dail Balance Method (including current transactions) to calculate the Balance ubiect to Interest Rate. For more information, please call us at 1-800-347-2683. oBalance Subgect to Interest Rate. Your statement shows a Balance Subjectto nterest Ra e. lt shows this for each transaction ca eg ry. T .e Bola c _u Jedct to Interest Rate is the average of the daily ba ances during the illing perio . Credit Balances. If your Account has a credit balance, the amount is shown on the front ot your billin statement. A credit balance is money that is owed to you. You may make c arges against this amount if our Account is open. We will send you a refund of any remainin balance o $1 .00 or more after 6 months, or as otherwise required by app icable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Balance Transfers. Balance Transfers are offered at our discretion andaccrue interest at the standard purchase rate unless we tel you otheMise. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® card is issued by Discover Bank, Member FDIC. TL23-26N.o218 r N If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Street Address Home Phone Work Phone City Email State, Zip K J To make changes to your address, email or telephone number, visit Discover.com Continued on next page DISC®VER Discover” More’ Cord Account number ending in 2971 Open Date: Mar 27, 201 8 - Close Date: Apr 26, 201 8 Page 3 of 6 Web es Mobile Phone Inquiry Mail Payments -- Access your g Manage your 1-800-DISCOVER Discover Discover account securely accouni anytime, (1 -800-347-2683) PO Box 30943 PO Box 61 03 a! Discover.com anywhere at TDD 1-800-347-7449 Salt Lake City Carol Stream m.Discover.com UT 84130 IL 60] 97-61 03 Transactions Trans. Date Post Date Payments and Credits Apr 21 Apr 21 LATE FEE REVERSAL $ -37.00 Apr 26 Apr 26 PHONE PAYMENT - THANK YOU -350.00 Fees Apr 21 Apr 21 LATE FEE $ 37.00 TOTAL FEES FOR THIS PERIOD 37.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 209.02 lNTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 209.02 201 8 Totals Year-to-Date TOTAL FEES CHARGED IN 2018 $ 37.00 TOTAL INTEREST CHARGED IN 201 8 $ 791 .65 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period31 days ANNUAL PERCENTAGE PROMO APR BALANCE SUBJECT TO INTEREST TYPE OF BALANCE RATE (APRP EXPIRATION DATE“ INTEREST RATE CHARGE Purchases 02/04/201 6 and utter 13.49% V N/A $1,729.15 $1 9.79 02/03/2016 and prior 14.49% V N/A $9,670.84 $1 19.01 Expired Promotional Purchases Promotional Purchases 14.49% V N/A $5,702.49 $70.22 Cash Advances 25.49% V N/A $0.00 $0.00 V=Variab|e Rate' It your account is currently enrolled in a special program or is placed into one during the term of the offer, you will receive the benefit of the lower rate while the special program is in effect. This includes, if applicable, any lower rates as authorized under the Servicemembers Civil Relief Act.” This is the date your promotional rate expires and the remaining balance will be moved to your standard APR disclosed when you accepted the offer. Please note: Changing your payment due date may change your Promo APR Expiration Date. ‘” For more information, please call us at 1-800-347-2683. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION JANET M BUDERUS Account number ending in 297] Open Date: Mar 27, 2018- Close Date: Apr 26, 2018 Page4 of 6 Information For You FICO’ Credit Score Terms Your FICO” Credit Score, key fadors, and other credit information use the FICO° Score 8 model. They are based on data from TrcnsUnion” and may be different from other credit scores and other credit information provided by different bureaus. This information is intended for and only provided to Primary account holders who have an available score. Your score, key factors and other credit information are available on Discover.com and cardmembers are also provided a score on statements. Customers will see up to a year of recent scores online. Discover and other lenders moy use different inputs, such as FICO° Credit Scores, other credit scores and more information in credit decisions. This benet may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries. If you prefer not to receive your FICO° Credit Score iust call us at l-BOO-DISCOVER (1-800-347-2683). Please give us two billing cycles to process your request. Discover Financial Services and Fair Isaac are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act. Discover Financial Services and Fair Isaac do not provide “credit repair“ services or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. Availability of FICO° Credit Score As an active cardmember, you may see your FICO° Credit Score on your monthly statement or online. Reasons why you may not see your FICO' Credit Score include: if you opt out; if you have key information that is mismatched or missing, as one example, an address change that has not been updated with Discover or TransUnion°; if your credit history is too new; if your account status is abandoned, bankrupt, fraud, lost or stolen, closed, revoked, or charged oft; if you have a foreign address. Your FICO” Score is disclosed on statements when your statement is available. You may not receive a statement if you have no account activity such as no purchase transactions, fees, interest, or payments for approximately 3O days. More from Discover From higher-rate bill consolidation to spring home improvements, Discover® is here for you with a xed-rate personal loan up to $35,000. Customize your loan with budget-friendly terms, plus $0 origination and $0 closing fees. Get started today. Call 1-888-347-9424 or visit DiscoverPersonalLoans.com/spring. DISC®VER Discover” More” Cord Account number ending in 2971 Open Dale: Mar 27, 201 8- Close Date: Apr 26, 201 8 Cardmember Since 2002 Page 5 of 6 x Your FICO® Credit Score Histo Exceptional 800 - 850 Very Good 740-799 Good 670-739 Fair 580-669 Poor 300 - 579 05/17 06/17 07/17 08/17 09/17 10/17 11/17 12/17 01/18 02/18 03/18 04/18 Important Information: - We may not always receive a score for you each month, so there may be months with no scores. - For questions on the availability of your score go to the "Information For You" section of this statement. This chart will be shown in every Jan, Apr, .Iul and Oct statement when you have up to 12 months of scores. Log in to Discover.com/FICO any time to see key factors that help explain your scores. FlCO®Credit Scores consider the following for the general population: 35% Payment History . .. .. 30% Amounts Owed 10% New Credit 10% Cred" Mix W 15% Length of Credit See FICO' Credit Score Terms on the ‘lntormation For You' section ofthis statement ® 201 7 Discover Bank, Member FDIC CODE_SUM_031 7 k JANET M BUDERUS Accouni number ending in 2971 Open Date: Mar 27, 201 8- Close Dale: Apr 26, 2018 Pageb of 6 Discover” More” Cord Account number ending in 2971 Open Date: Feb 27, 2018- Close Dale: Mar 26, 2018 DISC VER' Cardmember Since 2002 Page 1 of 8 r . W NPrewous Balance 316,81 6.79 New Ba'ance $1 7,01 2.78 Payments and Credits I; $337.00 Minimum Paymen' Due $341 .00 PurChoses $34634 Payment Due Date April 21 , 201 8Balance Transfers + $0.00 Cash Advances + $0.00 Late Payment Warning: If we do not receive your minimum payment by the Fees charged + $090 date listed above, you may have to pay a late fee of up to $37.00 and your + purchase and balance transfer APRs for new transactions may be increased up toImeres‘ Charged $1 86'] 5 the Penalty APR of 18.24% variable. New Balance $1 7’01 2'78 Minimum Payment Warning: If you make only the minimum payment each See Interest Charge Calculation section following the period, you will pay more in interest and it will take you longer to pay off your Transactions section for detailed APR information balance. For example: . . -..._..__~ ff?" A _Credit Line $1 9,100 QEL $3”;wW :_ _ andlag‘?Credit Line Available $2,087 Egg?«fa Lav ‘ _ 2 - Cash Advance Credit Line $3,400 ROnly the mi_nimum payment 29hyears $40,094% . . . $583 3 years $20,974Cash Advance Credit Line Available $2,087 (savings: $1 9,120) Y b bl t 'd ' t t P h . 5:: ngrseefgr deacon?“ m eras on urc uses If you would like information about credit counseling services, call 1-800-347-1 121 .J ¥ J f FICQ P REWARDS Anniversary Montho- Cashback Bonus Odober Your FICO° Credit Score on 3/20/1 8 Opening Balance 5 l 73 WWW New Cashback Bonus This Period Jrack recent FICO° Scores on our mobile app or online J Reiimiflszod 4: g I 33(7) Cashback Bonus Balance $ 2.65 To learn more, log in at Discover.com J Make Check payable to Discover. Do Not Send Cash. Please fold on the perforation below, detach and return with your payment. Payment Coupon 9 Pay Online e Pay by PhonePlease do notfold, clip or staple. Discover.com l-800-347-2683 IIlumlI'll"lllllulllll“IIIIIIIIHIIIIIIIIIlllullllllllll" JANEr M BUDERUS . “‘-750 47TH AVE spc 1 1 CAPITOLA CA 9501 0-3136 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION PO BOX 51 908 LOS ANGELES, CA 90051 -6208 Phone and Internet payments must be received by 5PM ET to be credited as of the same-day. Address, e-mail or telephone changed? Note changes on reverse side. JANET M BUDERUS Account number ending in 2971 Important Information See your CurdmemberAgreement. Your Cardmember Agreement contains all the terms of your Account. lost or stolen cords. Report immediately! Cull 1-800-347-2683. What o Do If You Think You Find A Mistake On Your Statement: If you t ink there is an error on your statement, write to us at Discover, PO Box 30421 , Salt Lake City, UT 84 l 30-0421 , or submit the form provided at i1ttps://discover.com/billingerrornotice. You must contact us within 60 days after the error appeared on your statement. You may call us, but if you do we are not required to investigate any potential errors, and you may have to pa the amount in question. The Billing Rights Notice further explains your rig ts. Please see your Cardmember Agreement or visit https://discover.com/bil|ingrights for a copy of this Notice. Payments. You may pay all or part of your Account balance at an time. However, you must pay at least the Minimum Payment Due by the ayment Due Date. Send only your allowable form of payment “Payment") and thebottom portion of this statement In the envelope provu ed, after afxmg postage. Payments sentWIthout proper postage wull be returned to thesender. If you pay by check, ou au horlze us to use Information on our .check to make an electronic und transfer from your account at the inanCIal institution indicated on your check or to process the pa ment as a chec transaction. If a Payment is processed as an electronic und transfer, thetransfer Will be for he amount of the check, funds may be Withdrawn from your account as soon as the some day we receive your check, and you Will not receive your check back. Please do not send cash. Sending cash is not allowed. The processing of your allowable form of Payment may_be delayed if you send cash or correspondence with your Payments, if you send the Payment to any otheraddress or if you use an envelope other than the one provided. Pa ents received at our processing faCIIit'y by 5PM local time on an day WI be reditedaglo your Account as of that day ,POJments receive at our processingfacil er 5PM local time Will be credite to your Account as of e next d3. f you hove misplaced your envelope send our Pa ment to Discover, P Box 6103, Carol Stream, |L 601 97-6503. ease a ow 7-1 0 days for delivery. If your Payment is returned unpaid ’We reserve the right to resubmitit as on electronic debit“ Payments made on Ine or by phone Will be creditedas of the day of receipt If made by 5PM ET. You can also make a Payment or set Up automatic payments by calling 1-800-347-2683. Automatic payments for the billing period shown on your statement Will be deducted on the Payment Due Date shown on that statement, or the next automatic payment date referred to on your statement, unless you request a recurring payment date that occurs before your Payment Due Date. If your scheduled payment date falls on a weekend or bank holiday,dyour pa ment Will be processed the business day prior to theweeken r ban O holiday. [n order to schedule monthly payments by .te ep one, you Will ne this statement and ounbank account Information.You Will be asked to prowde the lost four (4 digits of the soaal securitynumber of the primary borrower as your electronic signature. By prowdingthose numbers, you Will be agreeing to this authoriga Ion to allow us and your bank to deduct each payment you authorize, in the amount selected b}you, from your bank account. You also authorize us to Initiate debit or cre itentries to your bank account, as applicable, to correct an error in the processin of such gayment. Y_ou cari cancel a scheduled pa ment by phoneat l-BOO- 47-268 or by mail at Discover, PO Box 3042i, alt Lake CI ,UT 84] 30-0421; payment cancellations must be received before 5 PM E ofthe scheduled Withdrawal date. If your payments may vary in amount, we will tell you on each monthl billingstatement when your payment Will e ma e arid how much it Will be. oumust ensure that sufficient funds are available in your bank account, and alltransactions must comply With U.S. law. CHANGE OF ADDRESS Open Date: Feb 27, 2018- Close Date: Mar 26, 2018 Page2 of 8 You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) other dollar amount. If your scheduled "Other dollar amount“ payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. lf the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. lf your scheduled payment is reater than the New Balance on your billing statement, that payment wi be processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the billing statement based on credits or payments after the Close Date. l'f you enroll by phone in our automatic payment service, please fill-in the fo lowing blanks below and retain the authorization for your records. Amount: D Full Pay DMin Pay U Min Pay+ $ ; U Other Amount$ -, Bank Routing #: ; Bank Account # ; Monthly on the U Payment Due Date l:l Day of month (insert date) Credit Reporting.We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at this address: Discover, PO Box 1531 6,Wilmington, DE 19850-5316. Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will not charge you any interest on Purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Dale or the first day of the billing period in which the transaction posted to your Account. HowWe Calculate Interest Charges.We Use the Daily Balance Method (including current transactions) to calculate the Balance Subject to Interest Rate. For more information, please call us at 1-800-347-2683. Balance Sub'ect to Interest Rate. Your statement shows a Balance Subiectto Interest Ra e. It shows this for each transaction cazegory. T .e Balar. Subjet to Interest Rate is the average of the daily ba ances during the i ling perio . Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billin statement. A credit balance is money that is owed to you. You may make c arges against this amount if our Account is open. We will send you a refund of any remainin balance 0151 .00 or more after 6 months, or as otherwise required by app icable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Balance Transfers. Balance Transfers'are offered at our discretion andaccrue interest at the standard purchase rate unless we tel you otheMise. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® card is issued by Discover Bank, Member FDIC. TL23-26N.0218 \ lf correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Street Address Home Phone Work Phone City Email State, Zip c To make changes to your address, email or telephone number, visit Discover.com Continued on next page DISCVER Discover” More” Card Account number ending in 2971 Open Date: Feb 27, 2018 - Close Date: Mar 26, 201 8 Page 3 of 8 Web 4/: Mobile Phone Inquiry Mail Payments \ Access your [a Manage your LEGO-DISCOVER Discover Discover account securely accounl anytime, (1 -800-347-2683) PO Box 30943 PO Box 61 03 at Discover.com anywhere ai TDD 1-800-347-7449 Salt Lake City Carol Stream m.Discover.com UT 84130 IL 60197-61 03 Transactions Trans. Date Post Date Payments and Credits Mar 21 Mar 2t PHONE PAYMENT - THANK YOU $ -337.00 Travel/Entertainment Feb 25 Feb 27 HOUDAY BILLING 61 9-683-2470 NV $ 346.84 Foes TOTAL FEES FOR THIS PERIOD 3 0.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 186.1 5 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 186.15 201 8 Totals Year-to-Date TOTAL FEES CHARGED IN 2018 $ 37.00 TOTAL INTEREST CHARGED IN 2018 $ 582.63 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Periodz28 days ANNUAL PERCENTAGE PROMO APR BALANCE SUBJECT TO INTEREST TYPE OF BALANCE RATE (APR)‘ EXPIRATION DATE“ INTEREST RATE CHARGE Purchases 02/04/2016 and after 13.24% V N/A $1 ,985.1 4 $20.1 7 02/03/2016 and prior 14.24% V N/A $9,559.50 $104.41 Expired Promotional Purchases Promotional Purchases 14.24% V N/A $5,636.64 $61 .57- Cash Advances 25.24% V N/A $0.00 $0.00 V=Variable Rate‘ If your account is currently enrolled in a special program or is placed into one during the term of the offer, you will receive the benefit of the lower rate while the special program is in effect. This includes, if applicable, any lower rates as authorized under the Servicemembers Civil Relief Act. “‘ This is the date your promotional rate expires and the remaining balance will be moved to your standard APR disclosed when you accepted the offer. Please note: Changing your payment due date may change your Promo APR B395. mm no. m: moon mastic 0.. row mzmcamnmmz. nan: nnnoc3 3 rm 906mm *9. =6 930:3 mom van-n m9, clawing 56012: 5335.63. Em 33 mmn=zm .Im armor .. -moobhu- om =8 armor. xgmm am 0+ oo\wo\nod A. 2513-5; 533$ 0-569 moho. :Ummngmq >>oqm 09.U-mn 895. 3.532. 03min m: mAVm Cum: 09.9 .c: MN no: . 0-08 03m” ._c_ MP no: 19cm w om o 9303.. new: Oran-6. no»: Era: <0: zoom s. .10.}. r0205: mm 30 m: moon «339.30 0., ram mzmcamnmoa n31: 0<0=aEo o. =6 23m 2.5 armor mu 0333mm $0.. 03303. no: Tmoobauhomw on 205... .0 Um 906mm .2. .ro 030:3. 0. .rm armor. wean 0m o. ou\w.\mo:. 3.13:3 3.08m. 0.569 moho. mom van-n .9. omn...o=o_ _3u01n=. 5.9.30.3... U.mn0nnoc:. 3:369 @3150 .z mANu Cum: 00.9 >>0< MN mo. A . QOmm 00.0” .c: n9 No. A 1.60 m o. o 0.205.. nun... Oran-8. new... Era: <0: soon ... . . a. . , xx... .l ...E...nw.uw:.h. gpmfmxda .A -.. . . .. . . Wamn. Bgzmnnga . wagiwiqimm. .\\....r . 5.0.9332... a I.....moo..uuwm.~.mlmm. JANET M BUDERUS Accouni number ending in 8475 Open Date: May 27, 2014- Close Date: Jun 26, 2014 P0936 of 6 Important Information What you need to know about cosh advances: Your cash advance credit line is part of yourtotal credit line. Other balances, such as purchases and balance transfers, may limit how much of your cash advance credit line is available. To be sure you can get the cash you want, please check your cash advance credit line before taking a cash advance. We will begin charging interest on cash advances as of the later of the transaction date or the first day of the billing period in which the transaction posts to your account. We apply payments and credits at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment. Some ATMs may have additional fees and restrictions. You can find surcharge-freeATMs by visiting Discover.com/cash-atm-locator. Discover is not BU SH BS H O G N B as n N am m sw tm om m a ar cs am as s: 'a nn sn - u M 01 39 N et s so dw vi s ‘iu am LO N on luv u vuuu, :u u u- I r .1 In: vuuuu-o. New Balance 51’827'23 Minimum Payment Warning: If you make only the minimum payment each See Interest Charge Calculation section following the period, you will pay more in interest and it will take you longer to pay off your Transactions section for detailed APR information balance. For example: Credit Line $8,300 _ .2 "‘92 mo , _ , t I .I ‘ ..r. ._ ' Credit Line Available $6,472 in: ‘ {kg-é Cash Advance Credit Line $3,400 only the minimum payment $2,216- - - $62Cash Advance Credit Lune Available $3,400 (savings: $434) You may be able to avoid interest on Purchases. see reverse for dew“; If you would like information about credit counseling services, call 1-800-347-1 121 . K' Flco W REWARDS- Anniversary Month W- f Cashback Bonus® OdoberA..--:.... D~I~..-- a An n:- DISC VER Discover More Card Account number ending in 8475 Open Date: Apr 27, 201 4- Close Date: May 26, 2014 Cardmember Since 2002 Page l of 6 ACCOUNT SUMMARY PAYMENT INFORMATIONr Opunmg'BuldnLu a ‘ ' -- Your FICO” Credit Score on 5/20/1 4. New Cashback Bonus This Period + $ 0.00 non-mm More at Discover.com/FICO Redeemed This Period - $ 0.00 Cashback Bonus Balance $ 49.25 To learn more, log in at Discover.com Make Check payable to Discover. Please fold on the perforation below, detach and return with your payment. NOTICE: SEE REVERSE 5'05 FOR IMPORTANT INFORMATION Account number ending in 8475 Minimum Payment Due $43.00 N .mun-lulu.II-IIII-I-m"IIIml-II-Iu-m-Iu-In-I.mm- “w “W “'8” 23 Payment Due Date June 2i, 2014 JANET M BUDERUS “'- A t d d2103 S GARFIELD AVE mOI-In en ose -I- LOVELAND CO 80537-7337 PO BOX 29033 PHOENIXAZ 85038-9033 III'IIIIIII'IIII'IIII'I-Il-I"IIIII'I'II'I'Ill'I-IIIIIIII-II'h-IPhone and Internet payments must be received by 5PM ET to be credited as otthe some day. Address, e-mail or telephone changed? Note changes on reverse side. Is processeu as an enecrronlc runa Iranster, Ine Iransrer wm De tor Ina amoum of the check. When we use in ormoon rom your check lo mo e on electronic fund transfer, funds may be withdrawn from our account as soon as the some day we receive your payment, and you wil not receive yourcheck back from your nancml institution. The processing of your poyment may be delayed if you send cash, corres- pondence or other items with your payments, if ou send the payment to any other address, or if you use an envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that da . Payments received at our processing facility after 5PM local time will be cre ited to your Account as of the next da . If you have mis laced your envelo e, send your ayment to Discover, PO ox 6103, Carol treom, IL 601 97‘6€03. Please allbw 7-10 days for delivery. If your payment is returned un aid, we reserve the right to resubmit it as an electronic debit. Payments ma e online or by phone will be credited as of the day of receipt if made by 5 PM Eastern time. You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service re resentative by calling 1-800-347-2683. Automatic pa ments tor the bi ling period shown on your statemlent will be deducted on t e ayment Dule Date shown on that.A_A.._.._a c JANET M BUDERUS Account number ending in 8475 Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen curds. Report immediately! Call 1-800-347-2683. What To Do If You Think You Find A Mistake Qn Your Statement If you think there is an error on your statement, wnte to us at: Discover, PO Box 3042i , Salt Lake City, UT 841 30-0421 . You must write to us within 60 days after the error ap ared on your statement. You may call us, but if you do we are not require to investi ate any potential errors, and you may have to ay the amount in question. T e Billing Rights Notice further explains your sia mekoeeiai'aierdm metere'rraa‘to on your statement, unless you re uest a recurring paBment date {e.F., the 15‘“ day of the month) that occurs bgtore your Payment u Date or C ose Date. If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4) digits of the social security number of the primary borrower. By providing those numbers as our electronic si nature, ou will be agreeing to this authorization to al ow us and your ank to educt each payment you authorize, in the amount selected b you, from your bank account. You also authorize us to initiate debit or next entries to your bank account, as applicable, to correct an error in the processin of such payment. You can cancel a scheduled ayment by phone at 1-80 (347-2683 or by mail at Discover, PO Box 3 421 , Salt Lake City, UT 841 30-O421;however, we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each mnghly billing statement when your payment will be made and how much it wr e. CHANGE OF ADDRESS Monthly on the U Payment Due Date DClose Date U Day of month (insert date) Credit Reporting.We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at this address: Discover, PO Box 15316,Wi|mington, DE 19850-5316.?lease include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will not charge you any interest an Purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as at the later of the Transaction Date or the first day of the billing period in which the transaction posted to your Account. HowWe Calculate Interest Charges. We Use the Dail Balance Method [including current transactions).to calculate the.Bal‘annc~e__ubioeft to Interest Open Date: Apr 27, 2014- Close Date: May 26, 2014 Pjge 2 of 6 You must ensure that sufcient funds are available in your bank account, and all transactions must comply with U.S. law. You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) Ot er dollar amount. If your scheduled "Other dollaramount” payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. If your scheduled payment is reater than the New Balance on your billing statement. thate. ror ore Information, please call us at I-UUU-d #1085. Balance Sub’ectto lnte st ate. our statement shows a Balance Subjectto Interest Ra . It showst Is or eac transaction category. T 'e Ba anc_e. Subject to Interest Rate Is the average of the daily balances during the billing perio . Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billin statement. A credit balance is money that is owed to you. You may make charges against this amount if our Account is open. We will send you a refund of any remainin balance 01$] .00 or more after 6 months, or as otherwise required by app icable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Balance Transfers. Balance Transfers are offered at our discretion andaccrue interest at the standard purchase rate unless we tell you othervvise. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® card is issued by Discover Bank, Member FDIC. TL23N r N If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Street Address Home Phone Work Phone City Email State, Zip j To make changes to your address, email or telephone number, visit Discover.com Continued on next page ruymuuus um: uruuns muy I4 may I4 rrumcwl - Irv-\Nk IUU b -DU.UU May 14 May 14 PAYMENT - THANK you .5oo.oo Fees TOTAL FEES FOR THIS PERIOD $ o.oo Interest Charged INTEREST CHARGE 0N PURCHASES s 22.72 INTEREST CHARGE 0N CASH ADVANCES 0.00 INTEREST CHARGE 0N BALANCE TRANSFERS 0.00 TOTAL INTEREsT Eon THIs PERIOD 22.72 201 4 Totals Year-to-Date a TOTAL FEES CHARGED IN 2014 25.00 TOTAL INTEREST CHARGED IN 2014 5 122.62 Interest Charge Calculuiion Your Annual Percentage Rafe (APR) is the annual interest rate on your account. Current Billing PeriodBO days Discover More Card Account number ending in 8475 Open Date: Apr 27, 2014 - Close Date: May 26, 201 4 R' Page 3 of 6 l wak A BL--- I.__..:._. u-” n... N ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchases 12.99% V $125.09 $1.33 Expired Promotional Purchases Promotional Purchases 12.99% V $2,002.77 $21.39 Cash Advances 23.99% V $0.00 $0.00 V=Variab|e Rate Information For You For more information about how interest Charges are calculated see your Cardmember Agreement or go to www.discover.com/interestcharges Your FICO° Credit Score is based on data from TransUnion and may be different from other credit scores. Discover and other lenders may use different inputs like a FICO” Credit Score, other credit scores and more information in credit decisions. If you prefer not to receive your FICO° Credit Score on your statement, iust call us at 1-800-347-3085. Please give us two billing cycles to process your request. To learn more, visit Discover.com/FICO. Your FICO’ score is provided for your own non-commercial personal review, use and benet. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Get cash at checkout with Discover® You’ll take care of Mo errands at once and avoid transaction fees. When nrnmnl’nrl ind :nlnr! “an nmnunf nF rack um: \unrd-': nuinlv JANET M BUDERUS Account number ending in 8475 Open Date: Apr 27, 2014- Close Date: Mo] 26, 2014 Page4 of 6 More from Discover Redeem $20 Cashback Bonus° for a $25 Bed Both 8: Beyond” Padner gift cord, iust in time to get your home sei for spring! I t u v .v-ur-vu, luv. "Iv \au-vvuu VI wuull ,vv vvuIII-‘II a \1v|\.l\, easy and fee freel You can get cosh of participating retailers. For a complete list, visit Discovencom/cashover Cosh Over inundation: are limited to $l20 24 hours. Most stem have a cosh over limit. Chock with your local store. Visit Discovnmom/oaslwvor for a complete lint participating retailers. O20“ Discover Bark, Member FDIC i SAVETIME 0514 Enioy the savings with Discover”! Make the most oi your Discover” card by taking advantage of money-saving otters from popular brands you know and love- and new ones tool Here’s how: l. Go to discovencom/extras 2. Log in to to see your otters. 3. Start shopping and save! @2014 Discover Bonlt, Member FDIC 05M vnzm .3533 <205... mm :0. m3 moon again on ram 53:59.: 2mm: a905: 8 rm nroamm mow =6 930:2. om Em nronr . mam won-n *oa 011.2031 560103 33.30203.. W33 0m 0* 0539MB A. 513:3 5.08% 0:060" moho 0-mn$305: 3:369 manic m: mgum Oum: Una" >2 NV. no: . Qomo 00.0” >>0< n9 mo: wnmm u 0* o 2205.. nnmr Oran-a. non: Era: <0: zoom w. 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A . . -_._.H.-.....- ... .H.B.owlm.0%zm5w305: mm :9 m: coon again oa ram “3:392: n31: onnoc1 .0 rm 3601 mos .rm 930:3 0* =3 armor. no.3 am 0* o._\w035: :cawmq antic m: maum Cum: 008” ha: Nu. no; . QOmm 00.0” mac n9 N9 A 10mm m 0* m Ummno»m_mno.,>295. mm so. m: aoom maniac oq ram 53392: 2mm: a395. .0 Um arc-don. *oq =6 030:1..moo.w#u. 0* .rm nronr. ”03w am 0+ dm\w._\wo._w. 2:25.53 imam. Dream” moho. mom won-n *9, nmmmzosa 560193 533520.... Ummno>o_‘m 09U_mn°295. :cBvmq manic m: muum Oum: 00.9 Dmn MN no; . ame 09m“ E: n9 no; wnmm m 0* o 2205a new... Oran-6. nan: Era: <0: 30mm =. ..>z,.m.H.3...mcomému.58 3.623156. .><.m...... .. . I ..... n0za0.0.88$~33.-I . .IHI. .>.nn....oc_.33.Mam. JANET M BUDERUS Accouni number ending in 8475 Open Date: Dec 27, 201 3- Close Date: Jan 26, 2014 Page 6 of 6 Important Information What you need to know about cash advances: Your cash advance credit line is part of your total credit line. Other balances, such as purchases and balance transfers, may limit how much of your cash advance credit line is available. To be sure you can get the cash you want, please check your cash advance credit line before taking a cash advance. We will begin charging interest on cash advances as of the later of the transaction date or the first day of the billing period in which the transaction posts to your account. We apply payments and credits at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higherAPRs before balances with lower APRs as of the date we credit your n“ . . 'QM.“ ATM: mm. Ln". admin-mat I... mu: mute-5:..." v-.. -,... a...) ....-L---.. I.“ In-u. i... ..:-:.:-- n- I--_|. -._ I SH EH BS U O G N B 35 D N O IM LE LS N I W D N VN H EO iG M ES JH 'S N I'I Si t- t1 M O 'la iN BS H O W is 'S llH M lO N 00 "IE FHHUII'Y OI I I .7770 Vurlanle. New Balance $3’847'74 Minimum Payment Warning: If you make only the minimum payment each See Interes‘l Charge Calculation sedion following the period, you will pay more in inleresl and i1 will fake you longer l0 pay Off your Transadions sedion for detailed APR information balance. For example: Credn Line $8,300 IE T ' 'I "‘ ~ at, .g I. . . . ’ Credit Line Available $4,452 l‘ ' ... g.- Cash Advance Credit Line $3,400 I 12 year; ' ' 'l blCash Advance Credit Llne Aval a e $3,400 $1 24 3 years $4,452 You may be able to avoid interest on Purchases. lsawngs: $1 :84?) See reverse for details. L J r Flco K If you would like information about credit counseling services, call 1-800-347-1 t2] .‘ J I‘F‘ A I A DISC VER Discover More Card Account number ending in 8475 Open Date: Jun 27, 2014- Close Date: .lul 26, 2014 Cardmember Since 2002 Page 1 of 6 ACCOUNT SUMMARY PAYMENT INFORMATION- Your Flco Credit Score on 7/20/14] REWARD) - mac-um More at Discover.com cashback Bonus® AMiverSOryohc/‘lorbitho er 49.89Opening Balance New Cashback Bonus This Period Everywhere Else 10.1 6 Redeemed This Period 0.00 s s Cashback Bonus Balance $ 60.05 To learn more, log in at Discover.com M t + Make Check payable to Discover. Please fold on the perforation below, detach and return with your payment. NOTICE: SEE REVERSE SIDE FOR IMPORIANT INFORMATION in" -- . . V I. g- jgg Account number ending In 8475 ' 2* rf’a .3 614‘s?- Minimum Payment Due $77.00 nl...|MIMI"II.II.|"|I..|.,I,|I..I|.I.|||...|.I.,....mn, New 30'0"“ 531847-74 Payment Due Date August 21, 2014 JANET M BUDERUS " ' Amount enclosed E2103 s GARFIELD AVE LOVELAND CO 80537-7337 PO BOX 29033 PHOENIX AZ 85038-9033 III m I Il Imll I I IIII nl lu Ill Illl ll Phone and Internetpayrnents mustbereceived by 5PM ETto be credited as ofthe same day. I I I Ill I I“ I" I I I III II I III I II I Address, e-mail or telephone changed? Note dianges on reverse side. Exceptional 800 - 850 Very Dependable 740-799 Good 670-739 Below Average 580-669 Very Risky 300 - 579 DISC VER Discover° More° CardAccount number ending in 2971 Open Dale: Mar 27, 201 7- Close Date: Apr 26, 201 7 Cardmember Since 2002 Page 5 of6 05/16 06/16 07/16 03/16 09/16 10/16 11/16 12/16 01/17 02/17 03/17 04/17 lmporlani Information: - We may not always receive a score for you each month so there may be months with no scores. - For questions on the availability of your score go to the "Information For You" section of the document. This chart will be shown in every Jan, Apr, Jul and Oct statement when you have up to 12 months of scores. Log in to Discover.com/FICO any time to see key factors that help explain your scores. What your FICOQ Credit Score means to lenders 300 - 579 580 - 669 670 - 739 740 - 799 800 - 850 Indication at Some lenders will Scores in this average Indication at a Indication of a very risky approve borrowers US. rangem very dependable an exceptional borrower with this score considered good borrower bonower See FlCO’ Credit Score Terms on the 'lnformation For You' section of the statement. 201 5 Discover Bank, Member FDIC CODE_SUM_01 15 C J JANET M BUDERUS Account number ending in 2971 Open Date: Mar 27, 2017- Close Date: Apr 26, 201 7 Posed of 6 Illa rellully r‘u’K OI l/ .4770 VurlODle. New Balance $20,446.94 . . . . .Minimum Payment Warning: If you make only the minimum payment each See Interest Charge Calculation sedion followmg the period, you will pay more in inieresi and it will lake you longer lo pay off your Trunsadions section for detailed APR information balance. For example: credit Line $1 9,1 oo ’ ‘ ‘ ’ ' ' v r . gm' amt. .' Credit Line Available $0 r ‘ K ’ ' 3:? 55!ng - $3“«a .. .i w mic ’-, :Mh. is :zé " if; Cash Advance Credit Line $3,400 minimum puymeni 29 years 545,21 3 . . . $692 3 years $24,895Cash Advance Credit Lme Available $0 (savings: $2013] 8) You may be able lo avoid interest on Purchases. see reverse for detoils‘ If you would like information about credit counseling services, call 1-800-347-1 121. k FICQ REWARDS f cashback Bonuso Anniversary Month 1 f October an - ...... DISC VER Discover° More” CardAccount number ending in 297i Open Date: Feb 27, 201 7- Close Date: Mar 26, 201 7 Cardmember Since 2002 Page l of 6 ACCOUNT SUMMARY PAYMENT INFORMATION - Your FICO° Credit Score on 3/20/1 7 r Openlngulénce 3 0-29 Hamill-hr New Cashback Bonus This Period + $ 0.00 Track recent FICO° Scores on our mobile app or online Redeemed Th's Penod ' s 0'00 Cashback Bonus Balance S 0.29 You are overlimit by $1 346.94. Paying more than the. . . . . e o ' ' .Minimum Payment Due wrll reduce your overllmit amount. To learn mor ’ l g In m D'scover com Make Check payable to Discover. Do Not Send Cash.NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Please fold on the perforation below, detach and return with your payment. Payment Coupon 9 Pay Online e Pay by PhonePlease do not fold, clip or staple. Discover.com l-800-347-2683 JANET M BUDERus 750 47TH AVE src 1 1 CAPITOLA CA 9501 0-31 36 PO BOX 51 908 LOS ANGELES, CA 90051 ~6208 Phone and Internet payments must be received by 5PM ET to be credited as of the some day. Address, e-mall er telephone changed? Note changes on reverse side. InsMuhon Indicated on yoyr check or to process the pa men! as a check transaction. If a Po ment Is processed as an eledronlc und transfer, thetransfer wnll be for he amount of the check, fuods may be wuthdrown from your account as soon as 1he some day we receive your check, and you wull not receive your check boc . Please do not send cash. Sending cosh is no! allowed. The processing of your allowable form of Payment may.be delayed If you send cash or correspondence with your Payments, If you send the Payment to any other address or if you use an envelope other than the one provtded. Pa ments recelyed at our processing facullty by 5PM local time on an day wi be I credited to your Account as of that day._Pa ments receive at ou grocessmgacnli after 5PM local time WIII be credlte to your Account as o _e next d8. fyou hove misplaced your envelo e send your Pa ment to Dlscover, P Box 6103, Carol Stream, IL 601 9 -él 03. F ease al ow 7-10 days for delivery. If your P ment is returned unpaid we reserve the right to resubmit it as on electronic ebitx Payments made on ine or by phone will be creditedas of the day of receipt if made by 5PM ET. You can also make a Payment or set up automatic. payments by calling 1-800-347-2683. Automatic payments for the bllllng period shown on your statement wull be deducted on the Payment Due Date shown on that statement, or the next automatic payment date referred to on your statement, unless you request a recurnng payment date that occurs before your Payment Due ,Date. If your scheduled payment date falls on a weekend or bank JANET M BUDERUS Account number ending in 297i Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. lost or stolen cards. Report immediately] Call 1-800-347-2683. What To o If You Think You Find A Mistake Qn Your Statement: If you thln there Is an error on your statement, write to us at Discover, PO Box 30421 , Salt Lake City, UT 841 30-0421 , or submit the form provided at https://discover.com/biIlingerrornotice. You must contact us within 60 days after the error appeared on your statement. You may call us, but if you do we are not required to investigate alrliy potential errors, and you may have toammuuz... .... -A' - : :_.. '_ - k -11-- ....i -.. -..._ '.._..-..- olidbyayour palment wT'beTpL'rogessed ihe business day Iprior to Theweeken or ban . holiday. in order to schedule monthly payments by _ telephone, you Will need this statement and our_bank account information.You will be asked to prowde the lost four (4 digits of the socual security.number of the primary borrower as your electronic s: nature. By provndingthose numbers, you Will be agreeing to this authoriza ion to allow us an your bank to deduct each payment you authorize, in the amount selected b you, from your bank account. You also authorize us to initiate debit or cre itentries to your bank account, as applicable, to correct an error In the processin of such ayment. You can cancel a scheduled pa ment by phoneat 1-800- 47-268 or by mail at Discover, PO Box 39421, alt Lake Ci ,UT 841 30-0421; payment cancellations must be received before 5 PM E ofthe scheduled Withdrawal date. If your payments may vary in amount, we will tell you on each monthly billing statement when yourpayment will be made and how much it Will be. oumust ensure that suffICIent funds are available in your bank account, and alltransactions must comply With U.S. law. CHANGE OF ADDRESS U Day of month (insert date) Credit Reporting.We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at this address: Discover, PO Box 15316,Wilmington, DE 19850-5316. Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will not charge you any interest on Purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Date or the first day of the billing period in which the transaction posted to your Account. HowWe Calculate Interest Charges. We Use the Dail Balance Method gncluding current transactions) to calculate the Balance ubiect to Interest ate. For more information, please call us at 1-800-347-2683. palance Subjecttojntergst Bate. Your statement shows a B_a|an_ce Subiect Open Date: Feb 27, 201 7- Close Date: Mar 26, 201 7 Page2 of 6 You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) other dollar amount. If your scheduled 'Other dollar amount" payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. lf the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. If your scheduled payment is reater than the New Balance on your billing statement, that payment wi b processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the ts'tnsr‘e's'rraisuhsszts wristsaemrarsaéiiste‘Sac'yT‘igee... c9;u Jest to Interest Rate i t e average of the aily ba nces during the illing perio . Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billin statement. A credit balance is money that is owed to you. You may make charges against this amount if our Account is open. We will send you a refund of any remainin balance o $1 .00 or more after 6 months, or as otherwise required by app icable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Balance Transfers. Balance Transfers are offered at our discretion andaccrue interest at the standard purchase rate unless we tel you othervvise. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® card is issued by Discover Bank, Member FDIC. TL23-25N.1116 r W lf correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Street Address Home Phone Work Phone City Email Siaie, Zip x To make changes to your address, email or telephone number, visit Discover.com Continued on next page u uuu "nun ‘- Inul LI I I IVIVL rrunnI-IVI - II Inn“ lvu o -3W.UU Fees TOTAL FEES FOR THIS PERIOD 5 0.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 21 0.74 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 210.74 201 7 Totals Year-Io-Dute TOTAL FEES CHARGED IN 2017 $ 0.00 TOTAL INTEREST CHARGED IN 201 7 3 679.94 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual Interest rate on your account. Current Billing Periodz28 days ANNUAL PERCENTAGE RATE BALANCE SUBJECT T0 DISC' VER Discover” More” Card Account number ending in 2971 Open Date: Feb 27, 201 7 - Close Date: Mar 26, 201 7 Page 3 of 6 CONTACT US L Waln MANIA Phnnn lam-In; nun Dunn-..» TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchases 02/04/2016 and alter 12.49% V $4,958.10 $47.49 02/03/2016 and prior 13.49% V $9,879.] 4 $102.23 Expired Promotional Purchases Promotional Purchases 13.49% V $5,893.65 $61.02 Cash Advances 24.49% V $0.00 $0.00 V=Variab|e Rate Information For You Your Billing Rights: Keep This _Document For Future Use This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. What To Do If You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at: Discover PO Box 30421 Salt Luke City, UT 84130-0421. You may also contact us on the Web: https://discover.com/billingerrornotice In your letter or on theWeb, please give us the following information: - Account information: Your name and account number. - Dollar amount: The dollar amount of the suspected error. ' Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us: - Within 60 days after the error appeared on your statement. ' By 5:00 PM. ET on the date an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. You NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION III'U3II$HIU VI Ilvl Illclc “II ellvln ' We cannot fry to coiled the amount in question, or report you as delinquent on that amount. - The charge in question may continue to appear on your statement. - While you do not have to pay the amount in question, you are responsible for the remainder of your balance. - We can apply any unpaid amount against your credit limit. After we finish our investigation, one of two things will happen: - lf we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. - It we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement at the amount you owe and the date payment is due. We may then report you as delinquent it you do not pay the amount we think you owe. If you receive our explanation but still believe your bill is wrong, you must write to us [or visit https://discover.com/bi|lingerrornotice) within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us. JANET M BUDERUS Account number ending in 297i Open Date: Feb 27, 201 7- Close Date: Mar 26, 2017 Pa3e4 of 6 Information For You Continued must notify us of any potential errors in writing or electronically. You may call us, but if you do we are not necessarily required to investigate any potential errors and you may have to pay the amount in question. It we do not tollow all ot the rules above, you do not have to pay the first $50 of the amount you question even it your bill is correct. Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: l. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing or electronically at: Discover PO Box 30945 Salt Lake City, UT 84130-0945 https://discover.com/billingerrornotice While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. For more information about how interest charges are calculated see your Cardmember Agreement or go to www.discover.comnterestcharges If you prefer not to receive your FICO° Credit Score iust cull us at I-800-DISCOVER (1 ~800-347-2683). Please give us two billing cycles lo process your request. To learn more, visit Discover.com/FICO Discover Financial Services and Fair Isaac are not credit repair organizations as defined under federal or stole law, including lhe Credit Repair Organizations Act. Discover Financial Services and Fair Isaac do not provide "credit repail" services or assistance regarding "rebuilding' or "improving“ your credit record, credit history or credit rating. Availability of FICO° Credit Score As an active cardmember, you may see your FICO° Credit Score on your monthly statement or online. Reasons why you may not see your FlCO’ Credit Score include: if you opt out; if you have key information that is mismatched or missing, as one example, an address change that has not been updated with Discover or TransUnion; if your credit history is too new; if your account status is abandoned, bankrupt, fraud, lost or stolen, closed, revoked, or charged off; if you hove a foreign address. Your FlCO° Score is disclosed on statements when your statement is available. You may not receive a statement if you have no account activity such as no purchase transactions, fees, interest, or payments for approximately 30 days. More from Discover DISC VER Discover” More° CardAccount number ending in 2971 Open Date: Feb 27, 201 7 - Close Date: Mar 26, 201 7 Page 5 of 6 Information For You Continued FICOO Cradil Srnrn Tarme Log in to your Discover account online to see your 201 6 Year-End Summary. Review last year's transactions, get ready for tax season, plan for 20] 7 budgeting, and more. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION JANET M BUDERUS Account number ending in 297] Open Date: Feb 27, 20] 7- Close Dole: Mar 26, 201 7 Page 6 of 6 IIIU rellully NR UV II .‘0770 Vu'lunle. New Balance $20,736.20 . . . . .Minimum Payment Warning: If you make only ihe mmlmum paymeni each See Interest Charge Calculation section following the period, you will pay more in inleresl and it will lake you longer lo pay off your Transaclions sedion for detailed APR informalion balance. For example: Credit Line $1 9,1 oo moms; _ '“ lawap ' ' j Credit Line Available . $0 g n r V V _ J I I a ‘ P A ”ERIE”“xx-Ag «well»_ -._ at «g1 COSh Advance Clad" L'ne $3,400 Only lhe minimum payment 29 years $45,823 c - . - $70] 3 years $25,242Cash Advance redll Llne Available $0 (savings: $20,581) You may be able lo avoid inleresl on Purchases. , _ _ _ . . see reverse for detail; k If you would like Information about crednl counseling servnces, call 1-800-347-1 121 .a J' F|co ‘ REWARDS Cashback Bonus° Anniversa'y Mm'hOdober DISC VER Discover° More° Card Accounl number ending in 2971 Open Dale: Jan 27, 20] 7- Close Dale: Feb 26, 201 7 Cardmember Since 2002 Page l of 4 - Your Hco" Credit Score on 2/20/1 7 ' Open-newlénce 5 ‘ 61 319 HOV MN New Cashbaek Bonus This Period + S 0.00 Track recent FICO° Scores on our mobile app or online Redeem“ Th's Per'od ' s 6] '00 Cashback Bonus Balance S 0.29You are overlimil by $1636.20. Paying more lhan lhe T I I . t D.Minimum Paymenl Due will reduce your overlimil amount. ° earn more’ 09 m a 'scover'com . Make Check payable to Discover. Do Nat Send Cash.NOTICE' SEE REVERSE SIDE FOR IMPORTANT INFORMAT'ON Please fold on lhe perforation below, detach and return with your payment. Payment Coupon 9 Pay Online Q Pay by PhonePlease do not fold, clip or staple. Discover.com 1-800347-2683 IIIIIIIIIIlllllllllllh'llllullllllllllllIIIIIIIIIIIIIIIIIIIIIII JANET M BUDERUS . ‘1'750 47TH AVE SPC l l CAPITOLA CA 9501 0-31 36 PO BOX 51 908 LOS ANGELES, CA 90051 -6208 lull: Ill-Ilnllullll IIIIIIIIIIIII Phone and lnternelpayments must be received by 5PM ETto be credited as ofthe same day. I ll I I" I I I I I II I ll I I "I I I I I IIIII Address, e-mail or telephone changed? Note changes on reverse side. Insmunon Indlcated on your check or to process me pa men! as a check transaction. If a P meni is processed as an eledronic und transfer, thetransfer WIII be for he amoum of the check, funds may be withdrawn frorn your accpunt as soon as the same day we receive your ched<, and you wull not receive your check back. Please do no! send cash. Sending cash is not allowed. The processing of your allowable form of Payment may be delayed If you send cash or correspondence with your Payments, if you send the Payment to any other address or If you use a_n envelope other than the one provuded. Pamentsreceived at our processung facullty by 5PM local time on any day w: be . credited to your Account as of that day.. P ments received at our Frocessmgfacull after 5PM local time wnll be credit to your Account as of he next d8. you hove misplaced your envelope send your Pa ment to Discover, P Box 61 O3, Carol Stream, lL 601 97-6l03. Pease a ow 7-10 days for delivery. If your Pa ment is returned unpai _we reserve the right to resubmit it as on electronic eobitu Payments made on Ine or by phone will be creditedas of the day of recelpt If made by 5PM El. You can also make a Payment or set up automatic. payments by calling1-800-347-2683. Automatic payments for the billing period shown on your statement will be deducted on the Payment Due Date shown on that statement, or the next automatic payment date referred to on your statement, unless you request a recurring payment date that occurs before your Payment .Dune lDate. If your scheduled payment date falls 9n a wleekerid or bpn JANETM BUDERUS Account number ending in 2971 Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. lost or stolen cards. Report immediately! Call 1-800-347-2683. What o Do If You Think You Find A Mistake O_n Your Statement:lf you t ink there is an error on your statement, write to us at Discover, PO Box 30421 , Salt Lake City, UT 841 30-0421 , or submit the form provided at https://discover.com/billingerrornotice. You must contact us within 60 days after the error appeared on your statement. You may call us, but if you do we are not required to investigate any potential errors, and you may have to Hana‘ay‘é‘ya‘a‘r' 'aa'Re'riin'beTé‘r-oé‘é'é'ee thektsuzlagsédy'b'rro‘m1m; " weeken or ban .holiday. |_n order to schedule monthly payments by . telephone, you wull need this statement and our bank account information.You will be asked to prowde the lost four (4 digits of the soctal securitynumber of the primary borrower _as your electronic Si nature. By providingthose numbers, you wnll be agreeing to this authorize ion to allow us and your bank to deduct each payment you authorize, in the amount selected I?you, from your bank account. You also authorize us to initiate debit or cre itentries to your bank account, as applicable, to correct an error in the processin of such ayment. Ypu can cancel a scheduled pa ment by phoneat 1-800- 47-268 or by mail at Discover, PO Box 30421 , alt Lake Ci , UT 841 30-0421; payment cancellations must be received before 5 PM E ofthe scheduled Withdrawal date. If your payments may vary in amount, we will tell you on each monthly billing statement whenyour'payment Will be made and how much it Will be. oumust ensure tha s ftICient funds are available in your bank account, and alltransactions must comply With U.S. law. CHANGE OF ADDRESS Lt Day of month (insert date) Credit Reporting.We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agendas each month. If you believe that our report is inaccurate or incomplete, please write us at this address: Discover, PO Box 1531 6,Wilmington, DE 19850-531 6. Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billin periods that begin in February). We will not charge you any interest on Purc ases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Date or the rst day of the billing period in which the transaction posted to your Account. HowWe Calculate Interest Charges. We Use the Dai Balance Method gncluding current transactions) to calculate the Balance ubiect to Interest ate. For more information, please call us at 1-800-347-2683. balance ISgbjectltollntereIst gate. Your statement shows a Qalance Subjectn i Open Date: Jan 27, 201 7 - Close Date: Feb 26, 201 7 Page2 of 4 You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) other dollar amount. If your scheduled "Other dollar amount" payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. If your scheduled payment is greater than the New Balance on your billing statement, that payment wil be processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the Pa'liiiseetmsvthstetei issétsearcrtransa .stteopswsmaa c_ _ Subjeé to Interest Rate is the average of the aily ba ances during t erbiTling perio . Credit Balances. If your Account hos a credit balance, the amount is shown on the front of your billin statement. A credit balance is money that is owed to you. You may make c urges against this amount if our Account is open. We will send you a refund of any remainin balance 01$] .00 or more after 6 months, or as otherwise required by app icable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Balance Transfe . Balance Transfers are offer d at our iscretion andaccrue interest att e standard purchase rate un ess we tel you otherWIse. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® card is issued by Discover Bank, Member FDIC. n23.25N.ii is N lf correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Street Address Home Phone Work Phone City Email State, Zip To make changes to your address, email or telephone number, visit Discover.com Continued on netd page ruymems unu groans reD LU reD 4U INIEKNtl FAYMtNI - IrlANlk YUU b 4536.00 Award and Rebate Credits Feb 20 Feb 2O CASHBACK BONUS REDEMPTION PYMT/STMT CRDT 5 -61 .00 Fees TOTAL FEES FOR THIS PERIOD 5 0.00 Interest Charged INTEREST CHARGE 0N PURCHASES $ 235.39 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 235.39 201 7 Totals Year-to-Date TOTAL FEES CHARGED IN 2017 s 0.00 TOTAL INTEREST CHARGED IN 2017 5 469.20 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Periodl days DISCGVER' Discover° More° CardAccount number ending in 2971 Open Date: Jun 27, 201 7 - Close Date: Feb 26, 201 7 Page 3 of 4 I uh}. , A u-I.:I- aL--- n--..:-. “-9 - .._ \ ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchases 02/04/2016 and alter 12.49% V $5,319.45 $56.41 02/03/201 6 and prior 13.49% V $9,790.08 $1 12.1 7 Expired Promotional Purchases Promotional Purchases 13.49% V $5,829.73 $66.81 Cash Advances 24.49% V $0.00 $0.00 V=Variable Rate Information For You For more information about how interest charges are calculated see your Cardmember Agreement or go to www.discover.comnterestcharges Request for Information To meet government guidelines that require nancial institutions to maintain current information about their customers, we are requesting that you update your account information. It‘s quick and easy. Simply visit Discover.com/updateprole or call the number on the back of your cord. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Discover Financial Services and Fair Isaac are not credit repair organizaons as dened under federal or state law, including the Credit Repair Organizations Act. Discover Financial Services and Fair lsaac do not provide 'credit repair" services or assistance regarding “rebuilding" or "improving" your credit reco‘rd, credit history or credit rating. Availability of FICO° Credit Score As an active cardmember, you may see your FlCO° Credit Score on your monthly statement or online. Reasons why you may not see your FICOO Credit Score include: if you opt out; if you have key information that is mismatched or missing, as one example, an address change that has not been updated with Discover or TransUnion; if your credit history is too new; if your account status is abandoned, bankrupt, fraud, lost or stolen, closed, revoked, or charged oft; if you have a foreign address. Your FICO° Score is disclosed on statements when your statement is available. You may not receive a statement if you have no account activity such as no purchase transactions, tees, interest, or payments for approximately 30 days. More from Discover JANET M BUDERUS Account number ending in 297i Open Date: Jan 27, 201 7- Close Date: Feb 26, 201 7 Page 4 of 4 Information For You Continued FICO° Credit Score Terms Ynur and lrav fartnre “on thn Flrno Srnrn R mndnl TI-unu rum knegrl nn unnr Tnuul lninn ”v5.4“ rnnnro and mm. Lam “the, lulu-Ito Log in to your Discover account online to see your 201 6 Year-End Summary. Review last year's transactions, get ready for tax season, plan for 201 7 budgeting, and more. " " ' “' '''''' 1he Penalty APR of 17.49% variable. New Bolance ”0’91 9‘81 Minimum Payment Warning: If you make only the minimum payment each see |n1eres1 charge ca|cu|qon sedion following the period, you will pay more in interest and i! will fake you longer lo pay off your Transadions sedion for detailed APR information balance. For example: Credit Line $1 9,100 Credit Line Available . $0 t _ > 5% "i 153%.; l t I _ _ . _ . Cash Advance Credit Line $3,400 Only the minim rn payment 29 years $46,244 - t - $707 3 years $25,460Cash Advance Credit Line Available $0 (savings: $20,784) You may be able to avoid interest on Purchases. . , _ , . . see reverse for dew“; If you would like information about credit counseling serwces, call ‘l-800-347-t 12t .J' |=|co_ ‘ REWARDS Anniversary Month{ Cashback Bonus° Odober DISC®VER Discover° More° Card Account number ending in 2971 Open Date: Dec 27, 201 6- Close Date: Jan 26, 201 7 Cardmember Since 2002 Page l of 6 _ Your HCOG Credit score on i /20/i 7. Opening Balance $ 61 29 New Cashback Bonus This Period + $ 0.00 Track recent scores on your FICO° page in this statement. Radeemed Th" Penod I ' s 0'00 Cashback Bonus Balance $ 61 .29 You are overlimit by $181 9.81 . Paying more than the T I I . ‘ D.Minimum Payment Due will reduce your overlimit amount. ° sum more’ °9 m a lscover'com Make Check payable to Discover. Do Not Send Cash.NOTICE: SEE REVERSE S'DE FOR IMPORTANT INFORMATION Please fold on the perforation below, detach and return with your payment. Payment Coupon Pay Online Pay by Phone Please do not fold, clip or staple. "‘ " Discover.com 1-800-347-2683 |i..im..iii.ii||..ihiiiiiirilIi.|i.i..il..i|.i..|i.||.i.i||.|i JANET M BUDERUS . ‘1-750 47TH AVE SPC 11 CAPITOLA CA 9501 0-31 36 PO BOX 51 908 LOS ANGELES, CA 90051 -6208 Ili ll i ii Ii llil l l ii illllililll Phone and Internet payments must be received by 5PM ETto be credited as ofthe some day. III "I I I lull" l l | "”lll "I'll" I u Address, e-mail or telephone changed? Note changes on reverse side. ll-IlllVIlVll VII ’UUI \.I VI IV Pl IIIC Pu lllc'll u \.IIULRtransaction. If a P men! is processed as an eledronic und ironsfer, the transfer will be foruyhe amount of the check, funds may be withdrawn from your accpunt as soon as the same day we receive your check, and you WIIInot receive your check back. Please do not send cash. Sending osh is not a lowed. The promessing of your allowable form of Payment may'be delays If you send cas or correspondence with your Payments, If you send the Payment to any otheraddress or If you use an envelope other than the one provided. Pa ments received at our processing facrllty by 5PM local time on an day wi be credited to your Account as of that days P ments receive at our rocessing famllty after 5PM local time wrll be credit to your Account as of .e next d8. fyou hove misplaced your envelope send our Payment to Discover, P Box 6103, Carol Stream, IL 601 9 -6.lOB. P ease al ow 7-10 days for delivery. If your Pa merit is returned unpaid _we reserve the right to resubmit it as on elgctronic ebitn Payments made online or by phone will be creditedas of the ay f receipt if made by 5PM ET. You can also make a Payment or set up automaticpayments by calling1-800-347-2683. Automatic payments for the billing period shown on yourstatement will be deducted on the Payment Due Date shown on that statement, or the next automatic payment date referred to on your statement,unless you request a recurring payment date that occurs before your PaymentDue Date. If your scheduled payment date falls 9n a weekend or banknlirlm: uni-r nnumantmi o a u- t - JANET M BUDERUS Account number ending in 2971 Important Information See your CardmemberAgreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediatelyl Call 1-800-347-2683. What o o If You Think You Find A Mistake Qn Your Statement:If you t in there is an error on your statement, write to us at Discover, PO Box 30421 , Salt Lake City, UT 841 30-0421 , or submit the form provided at https://discover.com/billingerrornotice. You must contact us within 60 days after the error appeared on your statement. You may call us, but if you do we are not required to investigate any potential errors, and you may have to Henley, emaupt inguseisandhe'lm BieitebtsseJuphrrusxeJ 9m: vowweekend or ban .holiday. [n order to schedule monthly payments by telephone, you Will need this statement and ounbank account information.You wil be asked to provide the lost four (4l’digits of the social securitynumber of the primary borrower ps your electronic signature. By providingthose numbers, you Will e agreeing to this authorize ion to allow us and your bank to deduct each payment you authorize, in the amount selected b you, from your bank account. You also authorize us to initiate debit or cre itentries to your bank account, as applicable, to correct an error in the processin of such ayment. You can cancel a scheduled pa ment by phoneat 1-800- 47-268 or by mail at Discover, PO Box 30421 , alt Lake CiEty,UT 841 30-0421; payment cancellations must be received before 5 PM ofthe scheduled Withdrawal date. If your payments may vary in amount, we will tell you on each monthly billingstatement when your paymentwdl be made and how much it Will be. oumust ensure that s Cient tuRdLs’ grel available in your bank account, and alltransactions must comply wrt . aw. CHANGE OF ADDRESS LJ Uuy OT monln [Insert Gale) Credit Reporting.We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected n your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. It you believe that our report is inaccurate or incomplete, please write us at this address: Discover PO Box 15316,Wilmington, DE 19850-5316. Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at east 23 days for billin periods that begin in February). We will not charge you any interest on Purc ases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Ba ance Transfers as of the later of the Transaction Date or the first day of the billing period in which the transaction posted to your Account. HowWe Calculate Interest Charges. We Use the Dail Balance Method gncluding current transactions) to calculate the Balance ubiect to Interest ate. For more information, please call us at 1-800-347-2683. Balance Sub’ect to Interest Rate. Your statement shows a Balance Subject0A Internet Dn 'l' Dala to gimme Haze ism-k «gnaw-um. Open Date: Dec 27, 201 6- Close Date: Jan 26, 201 7 Page2 of 6 You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a xed dollar amount, or (iv) other dollar amount. If your scheduled "Other dollar amount" payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. If your scheduled payment is reater than the New Balance on your billing statement, that payment wi be processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the billing statement based on credits or p ments after the Close Date. suhiec'iiZ; isi'e‘i‘esi'aé'i; iii"; 36375923? {62“33‘i’i'y' B‘c‘il‘éi’i‘é'e’s'db'rii‘é' ‘i‘i‘iing perio . Credit Balances. It your Account has a credit balance, the amount is shown on the front of your billin statement. A credit balance is money that is owed to you. You may make c arges against this amount if our Account is open. We will send you a refund of any remainin balance 0I$1 .00 or more after 6 months, or as otherwise required by app icable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Balance Transfers. Balance Transfers are offered at our discretion andaccrue interest at the standard purchase rate unless we tell you othenmse. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® card is issued by Discover Bank, Member FDIC. TL23-25N.1116 r If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. N Street Address Home Phone Work Phone City Email State, Zip k To make changes to your address, email or telephone number, visit Discover.com Continued on next page ruymams unu Jun Lu Jun 1U rrIUIV: rAIMENI - IHANK IUU 3 -:JUU.UU Fees TOTAL FEES FOR THIS PERIOD $ 0.00 [Meresi Charged INTEREST CHARGE ON PURCHASES $ 233.81 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 233.81 201 7 Totals Year-Io-Date TOTAL FEES CHARGED IN 2017 5 0.00 TOTAL INTEREST CHARGED IN 2017 $ 233.81 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Periodl days ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO DISC VER Discover° More° Card Account number ending in 2971 Open Date: Dec 27, 2016 - Close Date: Jan 26, 201 7 Page 3 of 6 f A u..I.:I.. 9L--- u--..:_. - “-9 \ TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchases 02/04/2016 and alter 12.49% V $5,298.39 $56.1 9 02/03/2016 and prior 13.49% V $9,737.1 3 $11 1 .56 Expired Promotional Purchases Promotional Purchases 13.49% V $5,763.30 $66.06 Cash Advances 24.49% V $0.00 $0.00 Balance Transfers 0.00% $387.25 $0.00 V=Variable Rate Information For You For more information about how interest charges are calculated see your Cardmember Agreement or go to www.discover.com/interestcharges NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Discover Financial Services and Fair lsuac are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act. Discover Financial Services and Fair Isaac do not provide "credit repair' services or assistance regarding "rebuilding' or "improving" your credit record, credit history or credit rating. Availability of FICO° Credit Score As an active cardmember, you may see your FICO° Credit Score on your monthly statement or online. Reasons why you may not see your FICO” Credit Score include: if you opt out; if you have key information that is mismatched or missing, as one example, an address change that has not been updated with Discover or TransUnion; it your credit history is too new; if your account status is abandoned, bankrupt, fraud, lost or stolen, closed, revoked, or charged off; if you have a foreign address. Your FICO° Score is disclosed on statements when your statement is available. You may not receive a statement if you have no account activity such as no purchase transactions, fees, interest, or payments for approximately 30 days. Starting in 20] 7, your FICO° Credit Score history chart will be shown quarterly on the last page in every Jan, Apr, Jul and Oct statement when you have any FICO’ Score on record over the past 12 months. Your history chart will continue to be available any time both online and on mobile. JANET M BUDERUS Account number ending in 2971 Open Date: Dec 27, 201 6- Close Date: Jan 26, 201 7 Pam of 6 Information For You Continued FICO° Credit Score Terms v ... 0 r. ' c .J 1.....t...oMore #omiscover lean-AA 4-5.. T...__I l-t-.. _._J __.. L- J:L[-.-..L 'I'LE- 3-K-..__A!.._ i. 2_A__J._l I-.. Log in to your Discover account online to see your 20] 6 Year-End Summary. Review last year’s transactions, get ready for tax season, plan for 20i 7 budgeting, and more. Exceptional 800 - 850 Very Dependable 740-799 Good 670-739 Below Average 580-669 Very Risky 300 - 579 DISC VER Discover” More” Cord Account number ending in 297] Open Date: Dec 27, 2016- Close Date: Jan 26, 201 7 Curdmember Since 2002 Page 5 of 6 02/16 03/16 04/16 05/16 06/16 07/16 08/16 09/16 10/16 11/16 12/16 01/17 Important Information: - We may not always receive a score for you each month so there may be months with no scores. - For questions on the availability of your score go to the "Information For You" section of the document. Starting in 2017, your FICO® Credit Score history chart will only be available quarterly in your statements every Jan, Apr, Jul and Oct. It will continue to be available any time both online and on mobile. What your FlCOO Credit Score means to lenders 300 - 579 580 - 669 670 - 739 740 - 799 800 r 850 Indication at Scores in this average Indication ol o Indication of a very risky approve borrowers 0.5. range are very dependable an exceptional borrower with this score considered good borrower borrower See FlCO’ Credit Score Terms on the 'lnformation For You' section ofthe statement. 201 5 Discover Bank, Member FDIC CODE_SUM_01 l5 k J JANET M BUDERUS Account number ending in 2971 Open Date: Dec 27, 201 6- Close Date: Jun 26, 201 7 Page 6 of 6 [he Venolfy AI’K of l /.Z4% VOI’IGDle. New Balance $21,] 86.00 . . . . .Minimum Payment Warning: If you make only the manlmum payment each See Interest Charge Calculation section following the period, you will pay more in interest and i1 will take you longer lo pay off your Transodions section for detailed APR information balance. For example: . . -'Credit Line $19,100 )‘ig $92?§;&% > _Credit Line Available $0 I “g? _ j: 1‘ it: $1 :11 . _ ' . W 'A CGSl'i Advance Cred“ Line $3,400 Only the minimum payment $45,793 . . . $71 3 3 years $25,684Cash Advance Credit Line Available $0 (Savings: $20,] O9) You may be able to avoid interest on Purchases. see reverse for details. If you would like information about credit counseling services, call 1-800-347-1 121 .k J' Flco ‘ REWARDS" r Anniversary MonthoCashback Bonus October 1 DISC VER Discover” More” Card Account number ending in 2971 Open Date: Nov 27, 201 6- Close Date: Dec 26, 201 6 Cordmember Since 2002 Page l of 6 ’-vour Ficoo Credit score on 12/20/1 6‘. ' Opening Balance s 61 .29 New Cashback Bonus This Period + $ 0.00 Track recent scores on your FICO‘ page in this statement. Redeemed Th's Pen°d ' s 0'00Cashback Bonus Balance $ 61 .29You are overlimit by $2086.00. Paying more than the T I I . ‘ D.Minimum Payment Due will reduce your overlimit amount. ° earn more’ 09 In a lscmmncom t Make Check payable to Dlseowr. Do Not Send Cash.NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION Please told on the perforation below, detach and return with your payment. Payment Coupon . Pay Online G Pay by Phone ;.l.'_‘ éjfél‘m . uPlease do not told, clip or staple. "" Discover.com l-800647-2683 ': -..... - JANET M BUDERUS ' 750 47TH AVE SPC 11 CAPITOLA CA 95010-3136 PO BOX 51 908 LOS ANGELES, CA 90051 -6208 Phone and Internet payments must be received by 5PM ETto be credited as ofthe some day. ."llllllullI'lllulllll'lllu'l'llllll'l'Il'llllllll'lllllll'll Address, e-mail or telephone changed? Note changes on reverse side. Insmmlon Indicated on your cnecK or to process me pa mem as a check transaction. If a P men! is processed as an electronic und transfer, the transfer will be fora¥he amount of the check, funds may be wit drawn rorn your account as soon as the some day we recelve your check, and you wnllnot receive your check back. Please do not send cash. Sending cash is not allowed. The processing of your allowable form of Payment may_be delayed If you send cash or correspondence with your Payments, If you send the Payment to any otheraddress or if you use an envelope other than the one prowded. Polymentsreceived at our processing facility by 5PM local time on any day wi be credited to your Account as of that day“ Payments recewed at our processingfacull after 5PM local time will be credlte to your Account as of he next d8. f you have misplaced your envelope send our Pa ment to Discover, P Bax 6103, Carol Stream, |L 60197-6l03. ease a aw 7-10 days for delivery. If your Pa ment is returned unpaid _we reserve the right to resubmit it as on electronic ebita Payments made onllne or by phone will be creditedas of the day of receipt If made by 5PM ET. You can also make a Payment or set up automaticpayme'nts by calling1-800-347-2683. Automatic payments for the billing period shown an yourstatement will be deducted on the Payment Due Date shown an that statement, or the next automatic payment date referred to on your statement, unless you request a recurring payment date that occurs before your Payment Pug 'Date. If your schedulue'd payment date falls on a weekend or bank JANET M BUDERUS Account number ending in 2971 Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately! Call 1-800-347-2683. What 9 o If You Think You Find A Mistake Qn Your Statement: If you t In there Is an error on your statement, write to us at Discover, PO Box 3042i , Salt Lake City, UT 84] 30-0421 , or submit the form provided at https://discover.com/biIlingerrornotice. You must contact us within 60 days after the error appeared on your statement. You may call us, but if you do we are not required to investigate any potential errors, and you may have to end'aygym 'Bagine'iin'beTr‘a Est-gee theksmétaggsa‘dy'atrom'ihe W " weeken or ban _holiday. in order to schedule monthly payments by telephone, you Will need this statement and our. bank account information.You will e asked to provide the lost four “(digits of the social securitynumber of the primary borrower as your electronic si nature. By providingthose numbers, you Will be agreeing to this authorize ion to allow us and your bank to deduct each payment you authorize, in the amount selected b you, from your bank account. You also authorize us to initiate debit or cre it entries to your bank account, as applicable, to correct an error in the processingof suchgayment. You can cancel a scheduled pa ment by phoneat 1-800- 47-268 or by mail at Discover, PO Box 39421, alt Lake Ci ,UT 841 30-0421; payment cancellations must be received before 5 PM E ofthe scheduled Withdrawal date. If your payments may vary in amount, we will tell you on each monthly billing statement when our payment Will be made and how much it Will be. ou must ensure tho s iCIent funds are available in your bank account, and alltransactions mustcomply Wit U.S. ow. CHANGE OF ADDRESS LJ Day 0t month (insert date) Credit Reporting.We may report information about your Account ta credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at this address: Discover, PO Box 1531 6,Wilmington, DE 19850-5316. Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billin periods that begin in February). We will not charge you any interest on Purcases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Date or the rst day of the billing period in which the transaction posted to your Account. HowWe Calculate Interest Charges. We Use the Dail Balance Method gncluding current transactions) to calculate the Balance ubiect to Interest ate. For more information, please call us at 1-800-347-2683. Eu!59$9.§2!'i'9'39interest. Bu'e- Yovr statement shows a Salaries. Subiect Open Date: Nov 27, 201 6 - Close Date: Dec 26, 2016 PageZ of 6 You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) other dollar amount. If your scheduled "Other dollar amount" payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. lf your scheduled payment is reater than the New Balance on your billing statement, that payment wi be processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the tailliiises'msi'testsqnimiseaeWisassneaaego esteem c Subjegt to Interest Rate is the average of t e daily ba ances during therbilling perio . Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billin statement. A credit balance is money that is owed ta you. You may make c arges against this amount if our Account is open. We will send you a refund of any remainin balance o $1 .00 or more after 6 months, or as otherwise required by app icable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Balance Transfers. Balance Transfers are offered at our discretion an_daccrue interest at the standard purchase rate unless we tell you othenNise. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® card is issued by Discover Bank, Member FDIC. TL23-25N.t i 16 If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Street Address Home Phone Work Phone City Email I State, Zip l To make changes to your address, email or telephone number, visit Discover.com Continued on next page ..... _ . .. -.._. .-. _ ._. . .. Foes TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 219.73 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 219.73 201 6 Totals Year-Io-Date TOTAL FEES CHARGED IN 2016 $ 105.00 TOTAL INTEREST CHARGED IN 2016 5 2,188.02 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period:30 days ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO Discover” More” Card Account number ending in 2971 Open Date: Nov 27, 201 6 - Close Date: Dec 26, 201 6 Page 3 of 6 CONTACT USm s‘A’I’Nca A M°'°"° wt)‘ "*‘°"° mnesl'tz ‘ MEIEWEII‘ARGE N Purchases 02/04/201 6 and after 12.24% V $5,243.96 $52.75 02/03/2016 and prior 13.24% V $9,646.01 $1 04.96 Expired Promotional Purchases Promotional Purchases 13.24% V $5,699.31 $62.02 Cash Advances 24.24% V $0.00 $0.00 Balance Transfers 0.00% $81 1 .1 3 $0.00 V=Variab|e Rate Information For You For more information about how interest charges are calculated see your Cardmember Agreement or go to www.discover.com/interestcharges Enrollment Changes for DirectPay Effective January I, 201 7, we wiII no longer accept written requests to enroll in DirectPay. You can still enroll by phone at 1-800-DISCOVER (800-347-2683) or at Discover.com. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Discover Financial Services and Fair Isaac are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act. Discover Financial Services and Fair Isaac do not provide 'credit repair' services or assistance regarding "rebuilding' or "improving" your credit record, credit history or credit rating. Availability of FICO° Credit Score As an active cardmember, you may see your FICO° Credit Score on your monthly statement or online. Reasons why you may not see your FlCO” Credit Score include: if you opt out; if you have key information that is mismatched or missing, as one example, an address change that has not been updated with Discover or TransUnion; if your credit history is too new; if your account status is abandoned, bankrupt, fraud, lost or stolen, closed, revoked, or charged off; if you have a foreign address. Your FICO° Score is disclosed on statements when your statement is available. You may not receive a statement it you have no account activity such as no purchase transactions, fees, interest, or payments for approximately 30 days. Starting in 201 7, your FICO° Credit Score history chart will be shown quarterly on the last page in every Jan, Apr, Jul and Oct statement when you have any FICO” Score an record over the past 12 months. Your history chart will continue to be available any time both online and on mobile. JANET M BUDERUS Account number ending in 2971 Open Date: Nov 27, 20] 6- Close Date: Dec 26, 201 6 Page4 of 6 Information For You Continued FICO° Credit Score Terms Your FICO” Credit Score and kev factors are based on data from TransUnion and mav be different from other credit scores. This information is intended fnr Excepiional 800 - 850 Very Dependable 740-799 Good 670-739 Below Average 580-669 Very Risky L” 300-579 Discover" More’ Card Account number ending in 2971 Open Date: Nov 27, 201 6- Close Dale: Dec 26, 201 6 Cardmember Since 2002 Page 5 of 6 01/16 02/16 03/16 04/16 05/16 06/16 07/16 08/16 09/16 10/16 11/16 12/16 Important lnfarmalion: - We may not always receive a scare for you each month so there may be months with no scores. - For questions on the availability of your score go to the "Information For You" section of the document. Starting in 201 7, your FICO® Credit Score history chart will only be available quarterly in your statements every Jan, Apr, .lul and Oct. 1t will continue to be available any time both online and on mobile. What your FICOQ Credit Score means to lenders 300 579 580 - 669 670 - 739 740 - 799 800 - 850 Indication oi Some lenders will Stores in this average indication oi a indication oi a very risky apprwe borrowers U.S. rangem very dependable an exoeptional borrower with this score considered good borrower borrower See FlCO° Credit Score Terms on the 'lnformotion For You‘ section ofthe statement. 201 5 Discover Bank, Member FDIC cooE_su~i_01 15 K JANET M BUDERUS Accouni number ending in 2971 Open Date: Nov 27, 201 6 - Close Date: Dec 26, 2016 Page 6 of 6 ' me renany Am or variable. New Balance $21,394.27 Minimum Payment Warning: If you make only the minimum paymeni each See Interesi Charge Calculation sedion following the period, you will pay more in interest and it will take you longer to pay off your Transactions sedion for detailed APR information balance. For example: Crednune $19,100 ' ' ' ‘ i‘ if," r 19%g ' Credit Line Available $0 ‘ d is 2 5‘ r2311. " ’ ‘ ’ ' n i. -. 1'5 - COSh Advance Credil Line $3,400 Only lhe minimum paymeni 29 years $46,220 . . . $720 3 years $25,923Cash Advance Credit Line Available $0 (Savings: $20,297) You may be able lo avoid interest on Purchases. . . _ , . _ see reverse for detaili k If you would like Information about credit counseling serVIces, call 1-800-347-1 i2] .J’ Fico- ‘ REWARDS- Anniversa Montho 'YCashback Bonus Odober 1 DISC VER Discover° More° Card Account number ending in 2971 Open Date: Oct 27, 201 6- Close Date: Nov 26, 2016 Cardmember Since 2002 . Page l of 6 ACCOUNT SUMMARY PAYMENT INFORMATION -Your Fico° Credii Score on 1 1/20/16. ' Opening Baldnce $ 58.59 New Cashback Bonus This Period Lrackmrecent scores on your FICO° page in this statement. Raisemzeiflszriod T: 2 (2)38 You are overlimit by $2294.27. Paying more than the Cashback Bonus BuIance $ 6] .29 Minimum Payment Due will reduce your overlimit amount. . .To learn more, log In at Discover.com Make Check payable to Discover. Do Not Send Cash.NOTlCE: SEE REVERSE SIDE FOR lMPORTANT INFORMATION Please fold on the perforation below, detach and return with yourW. P ment Coupon Pay Online Pay by Phone [ Plgoyse do not fold, clip or staple. Discover.com e 1-800-347-2683 JANEI' M BUDERUS . ‘1‘750 47TH AVE SPC l i CAPITOLA CA 950] 0-3'l 36 PO BOX 51908 LOS ANGELES, CA 90051 -6208 'I'Il'lllll'I'I-II1'-I|1'1“1'-l|-l'1-l1||'l-|l'11-I'll-'I'IIIIPhone and Internet payments must be received by 5PM ET to be credited as oi the same day. Address, e-mail or telephone changed? Nola changes on reverse side. InsMuhon Indicated on your check or to process the gu¥ment as a check transaction. If a Po¥ment is processed as un eledronlc und transfer, thetransfer w:|| be for he amoun! of 1he check, fur-Ids may be Withdrawn from your accpum as soon us the some day we receive your check, and you w||| not receive your check back. Please do rLol send cosh. Sending cash is no! allowed. The processing of your ollowa le {orm of Payment mayhbe delayed If you send cash or correspondence with your Payments, If you send the Payment to ony other address or if you use an envelope other than the one provided. Pa entsreceived at our processing factllty by 5PM local tlme on any day wr be _ credited to your Account as of that day“ Pgments recelved at our rocesslngfactll after 5PM local trme wrll be credlte to your Account as of 'e nextda . fyou hove misplaced your envelope sendPyour Po ment to Discover,PaBox 6103, Carol Stream, IL 601 9 -6l 03. ease a| ow Z-‘IO days for delivery. If your Pa ment is returned unpaid we reserve the right to resubmit it as on electronic e_bit. Payments made online or by phone will be credited as of the day of receipt if made by 5PM ET. You can also make a Payment or set up automatic. payments by calling1-800-347-2683. Automatic payments for the billing period shown on your statement will be deducted on the Payment Due Date shown on that statement, or the next automatic payment date referred to on your statement, unless you request a recurnng payment date that occurs before your Payment Due ,Date. If your scheduled payment date falls on a weekend or bank JANET M BUDERUS Account number ending in 297i Important Information See your CardmemberAgreement. Your Cardmember Agreement contains all the terms of your Account. lost or stolen cards. Report immediately! Call 1-800-347-2633. What To Do If You Think You Find A Mistake Qn Your Statement: If you think there is an error on your statement, write to us at Discover, PO Box 30421 , Salt Lake City, UT 84] 30-0421 , or submit the form provided at htips://discover.com/billingerrornotice. You must contact us within 60 days after the error appeared on your statement. You may call us, but it you do we are not required to investigate any potential errors, an'd you rrliay have to Haliday,"so;BarnerimmmeTmEé'éea teases-5357prror‘e tit-a“ ‘- weeken or ban _holiday. I_n order to schedule monthly payments by . telephone, you Will ne this statement and our_ bank account information.You will be asked to provide the lost four (4ldigits of the socral security.number of the primary borrower as your electronic 5i nature. By provrding those numbers, you wrll be agreeing to this authorize on to allow us and your bank to deduct each payment you authorize, in the grnount selected b you, from your bank account. You also authorize us to initiate debit or cre it entries to your bank account, as applicable, to correct an error in the processin of such ayment. You can cancel a scheduled pa ment by phoneat 1-800- 47-268 or by mail at Discover, PO Box 3042i , alt Lake City,UT 841 30-0421; payment cancellations must be received before 5 PM E ofthe scheduled Withdrawal date. If your payments may vary in arnount, we will tell you on each monthl billing statement whenyourpayment will be made and how much it wcll be. ou must ensure tha s ftiaent funds are available in your bank account, and all transactions must comply wit U.$. aw. CHANGE OF ADDRESS LI Day of month (insert date) Credit Reporting.We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. lf you believe that our report is inaccurate or incomplete, please write us at this address: Discover, PO Box i531 6,Wilmington, DE 19850-5316. Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billin periods that begin in February). We will not charge you any interest on Purc ases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Date or the first day of the billing period in which the transaction posted to your Account. HowWe Calculate Interest Charges. We Use the Dail Balance Method Enduding current transactions) to calculate the Balance ubiect to Interest ate. For more information, please call us at l-800-347-2683. palance Subject'tojnteres't gate. Your statement shows a B_a,|an_ce, Subiect Open Date: Oct 27, 201 6- Close Date: Nov 26, 201 6 Page 2 of 6 You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) other dollar amount. If your scheduled “Other dollar amount" payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. lf the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. If your scheduled payment is reater than the New Balance on your billing statement, that payment wi b processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the ts'iiiisrse's' a at sse‘etnn‘ét‘eazrmsst etefeag'yi‘nrtr in c - Subjegt to Interest Rate is the average of the daily ba nces during t elbilling perio . Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billin statement. A credit balance is money that is owed to you. You may make c arges against this amount if our Account is open. We will send you a refund of any remainin balance o $1 .00 or more after 6 months, or as otherwise required by app icable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Balance Transfers. Balance Transfers are offered at our discretion andaccrue interest at the standard purchase rate unless we tell you otherWIse. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® card is issued by Discover Bank, Member FDIC. TL23-25N.i I 16 r \ If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Street Address Home Phone Work Phone City Email State, Zip J To make changes to your address, email or telephone number, visit Discover.com Continued on next page ruymels ul'lu IVOV ll IVOV ll IIVICKIVEI FAIMEIVI - II'IHIVR IUU b -ODU.UU Travel/Entertainment Nov 4 Nov 4 SPIRIT AIRLINES MIRAMAR FL 3 1,081 .75 Fees TOTAL FEES FOR THIS PERIOD 3 0.00 lnlerest Charged INTEREST CHARGE ON PURCHASES $ 223.06 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 223.06 201 6 Totals Year-fo-Dafe TOTAL FEES CHARGED IN 2016 s 105.00 TOTAL INTEREST CHARGED IN 2016 $ 1,968.29 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. n‘ll'. n. ‘..l0~ .I... DISC VER Discover° More“ CardAccount number ending in 2971 Open Date: Oct 27, 201 6 - Close Date: Nov 26, 201 6 Page 3 of 6 tum unwrenoou| any; A u..|.:l- A 01.....- A n-_..:_. u-" a ..... \ ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchases 02/04/2016 and after 12.24% V $4 91 1 .87 $51 .04 02/03/2016 and prior 13.24% V $9 660.83 ' $108.62 Expired Promotional Purchases Promotional Purchases 13.24% V $5 636.62 $63.40 Cash Advances 24.24% V $0 00 $0.00 Balance Transfers 0.00% $1 125.1 9 $0.00 V=Voriable Rate J Information For You For more information about how interest charges are calculated see your Cardmember Agreement or go to www.discover.com/interestcharges Enrollment Changes for DirectPay Effective January 1, 201 7, we will no longer accept written requests to enroll in DirectPay. You can still enroll by phone at 1-800-DISCOVER (800-347-2683) or at Discover.com. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Discover Financial Services and Fair Isaac are not credit repair organizoiions as dened under federal or state law, including the Credit Repair Organizations Ad. Discover Financial Services and Fair Isaac do no! provide "credit repair' services or assistance regarding "rebuilding' or "improving" your credit record, credit history or credit rating. \ Availability of FlCO'j Credit Score As an active cardmember, you may see your FICO“ Credit Score on your monthly statement or online. Reasons why you may not see your FICOO Credit Score include: if you opt out; if you have key information that is mismatched or missing, as one example, an address change that has not been updated with Discover or TransUnion; if your credit history is too new; if your account status is abandoned, bankrupt, fraud, lost or stolen, closed, revoked, or charged off; if you have a foreign address. Your FICO° Score is disdosed on statements when your statement is available. You may not receive a statement if you have no account activity such as no purchase transactions, fees, interest, or payments for approximately 30 days. Starting in 201 7, your FICO° Credit Score history chart will be shown quarterly on the last page in every Jan, Apr, Jul and Oct statement when you have any FICO° Score on record over the past 12 months. Your history chart will continue to be available any time both online and on mobile. JANET M BUDERUS Account number ending in 297i Open Date: Oct 27, 201 6- Close Date: Nov 26, 201 6 Page4 of 6 Information For You Continued FICO° Credit Score Terms :ir‘nl rum“. "mt L... rm“... -... I‘m-Mt A-.. rm... T.--..| I..:.... --.J ....... L... -u.-. -....J: -ri_:_ :- :_._._.i-4 r-_ Bceptional 800 - 850 Very Dependable 740-799 Good 670-739 Below Average 580-669 Very Risky 300 - 579 DISC®VER Discover” More” Cord Account number ending in 2971 Open Date: Od 27, 201 6- Close Dale: Nov 26, 201 6 Cardmember Since 2002 Page 5 of 6 12/15 01/16 02/16 03/16 04/16 05/16 06/16 07/16 08/16 09/16 10/16 11/16 Important Information: - We may not always receive a score for you each monlh so there may be months with no scores. - For questions on the availability of your score go to the "Information For You" section of the document. Starting in 201 7, your FICO® Credit Score history chart will only be available quarterly in your statements every Jan, Apr, Jul and Oct. It will continue to be available any time both online and on ‘ mobile. What your FICO® Credit Score means to lenders 300 - 579 580 - 669 670 - 739 740 - 799 800 - 850 Indication ol Some lenders will Scores 'n this average Indication of a lndication of a very risky approve borrowers 0.5. range an very dependable on exceptional borrower with this score considered seed borrower borrower See FlCO' Credit Score Terms on the 'Inforrnation For You' section of the statement. 2015 Discover Bank, Member FDIC CODE_SUM_01 15 k J JANET M BUDERUS Account number ending in 2971 Open Date: Oct 27, 201 6- Close Date: Nov 26, 201 6 Pageé of 6 "15 renally I‘U'K Of | / .l‘Wh VOHGDIB. New Balance $20,739.46 . . . . .MInImum Paymen! Wurnlng: If you make only the minimum payment each See Interesi Charge Calculation sedion following the period, you will pay more in interest and i1 will take you longer to pay off your Transactions sedion for deiailed APR information balance. For example: Credit Line $ 1 9, i 00 l I Credit Line Available $0 .V _ u I , .. , __.-. i, , . '_ y Cash Advance Credit Line $3,400 I I l l I I $44133 Cash Advance Credit Line Available $0 $698 3 years . 525'] 25 (Savrngs: $1 9,206) You may be able to avoid interest on Purchases. . ‘ y see reverse for denim If you would like Information about credit counseling services, call 1-800-347-1 121 .J’ |=|co ‘ REWARDS cashback Bonuso Anniversary MonthOctober DISC®VER Discover° More” CardAccount number ending in 2971 Open Date: Sep 27, 201 6- Close Date: Oct 26, 201 6 Cardmember Since 2002 Page 1 of 6 _Your FICO° Credit Score on 10/20/1 6. r UPen'"9 ”Glance 5 5359 "WWW New Cashback Bonus This Period + $ 0.00 Track recent scores on your FICO” page in this statement. REdeemed Th's Pen°d ' $ 0‘00 ‘ Cashback Bonus Balance $ 58.59You are overlimlt by $1 639.46. Paying more than the T I I . D.Minimum Payment Due will reduce your overlimit amount. ° earn more’ 09 m at 'scovor'com Make Check payable to Discover. Please told on the perforation below, detach and return with your payment. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Payment Coupon 9 Pay Online e Pay by PhonePlease do not fold, clip or staple. Discover.com 1-800347-2683 JANET M BUDERus . P - 750 47TH AVE SPC H ‘ CAPITOLA CA 9501 0-31 36 PO BOX 51 908 LOS ANGELES, CA 90051 -6208 lullllllllu III IIIIIIIIIII II nll Phone and Internet payments must be received by 5PMETto be credited as ofthe same day. I" II I I I I I'll " ll III I I I I "II I "I I Address, e-mail or telephone changed? Note changes on reverse side. on your check or to roces§ the parmeni as a check transpdion. ‘f a payment is processed as an e edronlp fund rpnsfer, the ironsfer wull be for the amountof the check. When we use Information from your check to make an electronic fund transfer, funds may be withdrawn from our accqunt as soonas the some day we receive your payment, and you wnl not receive your check back from your finanCIal Institution. The processing of your payment may be delayed if you send cash, corres- pondence or other items with your payments, if you send the payment to any other address, or if you use an envelope other t an the one provided. Payments rece ved in proper form at our processing facility by 5PM local time on any day wi l be credited to your Account as of that da . Payments received at our process ng facility after 5PM local time will be cragted to your Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, |L 601 97-6103. Please allow 7-10 days for delivery. lf your payment is returned un aid, we reserve the right to resubmit it as an electronic debit. Payments ma e online or by phone will be credited as of the day of receipt if made by 5 PM Eastern time. You can poy your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic ayments through a customer service representative by calling 1-800-3 7-2980. Automatic payments for th_e bi ling period shown JANET M BUDERUS Account number ending in 2971 Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. lost or stolen cards. Report immediately! Call 1-800-347-2683. What 9 o If You Think You Find A Mistake O_n Your Statement: If you t In there is an error on your statement, wnte to us at Discover P Box 30421 , Salt Lake City, UT 841 30-0421 ,or submit the form provided at https://discover.com/bil|ingerrornotice. You must contad us within 60 days after the error appeared on your statement. You may call us, but it you do we are not required to investigate aqny potential errors,'and you may have to on y'o"u'r statement will be dedii'ct'ea on th'e P'a'ynien't Due date shown on that statement, or the next automatic payment date referred to on your statement, unless you request a recurring payment date (e.P., the 15'“ day of the month) that occurs before your Payment Due Date or C ose Date. If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked ta provide the last four (4) digits of the social security number of the primary borrower. By providing those numbers as our electronic si nature, ou will be agreeing to this authorization to allow us and your nk to educt each payment you authorize, in the amount selected b you, from your bank account. You also authorize us to initiate debit or cre it entries to your bank account, as applicable, to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1-800-347-2683 or by mail at Discover, PO Box 30421 , Salt Lake City, UT 841 30-0421; ayment cancellations must be received before 5 PM ET of the scheguled withdrawal date. if your payments may vary in amount, we will tell ou on each monthly billing statement when your payment will be made and ow much it will be. CHANGE OF ADDRESS DunK HCCOUT“ 7F ,' Monthly on the D Payment Due Date DClose Date [l Day of month (insert date) Credit Reporting.We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at this address: Discover, PO Box 15316,Wi|mington, DE 19850-5316.Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will not charge you any interest on Purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Date or the first day of the billing period in which the transaction posted to your Account. HowWe Calculate Interest Charges.We Use the Dail Balance Method (_includi_ng current transactions)_to calculate the Balance ubiect to Interest Open Date; Sept 27, 201 6. Close Date: Oct 26, 201 6 Page2 of 6 You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. law. You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, iii) statement Minimum Payment Due plus a xed dollar amount, or (iv) Ot er dollar amount. If your scheduled “Other dollaramount" payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agree'fnent. If your scl'Leduled Egi’e'l‘lr'séfé’liél‘r‘liléiii'p gagglé'a Teué’iii" 9566-3915523???“ ' M Balance Sub’iect to Interest Rate. our statement shows a Balance Subiectto Interest Ra e. It shows this for eac transaction ca'egory. he Bala c Sublegt to Interest Rate is the average of the daily ba ances during therbiiling perio . Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billin statement. A credit balance is money that is owed to you. You may make c arges against this amount if our Account is open. We will send you a refund of any remainin balance o $1 .00 or more after 6 months, or as otherwise required by app Icable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Balance Transfers. Balance Transfgrs are offered at our discretion andaccrue Interest at the standard purc ase rate unless we tel you otherWIse. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® card is issued by Discover Bank, Member FDIC. TL23-25N.o916 f If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. W Street Address Home Phone Work Phone City Email State, Zip To make changes to your address, email or telephone number, visit Discover.com Continued on next page ruyrnoms and ueuus Uct Iv Uct Iv FHUNI: r’AYMtNI - IHANK YUU 5 -700.00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 08.9] INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 208.91 201 6 Totals Year-Io-Daie TOTAL FEES CHARGED IN 201 6 3 105.00 TOTAL INTEREST CHARGED IN 2016 3 1,745.23 Interest Charge Calculation Your Annual PercenIage Ra‘Ie (APR) is the annual inleresl rule on your account. Current Billing Periodo days ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO Discover” More” Cord Account number ending in 2971 Open Dale: Sep 27, 201 6 - Close Dale: Oct 26, 201 6 Disc VER' Page 3 of 6 ul-l. A u-L:l- ..nL . _-'. ...... A -- v \ TYPE OF BALANCE (APR) INTEREST RAT INTEREST CHARGE Purchases 02/04/20] 6 and after 12.24% V $4 064.56 $40.89 02/03/201 6 and prior 13.24% V $9 868.] 5 $107.36 Expired Promotional Purchases Promotional Purchases 13.24% V $5 574.59 $60.66 Cash Advances 24.24% V $0 00 $0.00 Balance Transfers 0.00% $1 637.66 $0.00 V=Variable Rate Information For You For more information about how interest charges are calculated see your Cardmember Agreement or go to www.discover.com/Interestcharges NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Discover Financial Services and Fair Isaac are not credit repair organizations as dened under federal or state law, including the Credit Repair Organizations Act. Discover Financial Services and Fair Isaac do not provide "credit repair' services or assistance regarding "rebuilding' or "improving' your credit record, credit history or credit rating. Availability of FICO° Credit Score As an active cardmember, you may see your FICO° Credit Score on your monthly statement or online. Reasons why you may not see your FICO° Credit Score include: if you opt out; if you have key information that is mismatched or missing, as one example, an address change that has not been updated with Discover or TransUnion; if your credit history is too new; if your account status is abandoned, bankrupt, fraud, lost or stolen, closed, revoked, or charged off; if you have a foreign address; or if you have no account activity such as no purchase transactions, fees, interest, or payments for approximately 30 days. JANET M BUDERUS Account number ending in 2971 Open Date: Sep 27, 201 6- Close Date: Oct 26, 201 6 Page4 of 6 Information For You Continued FICO° Credit Score Terms Your FICO° Credit Score and key factors are based on data from TransUnion and mav be different from other credit scores. This information is intended for Exceptional 800 - 850 Very Dependable 740-799 Good 670- 739 Below Average :- 580-669 Very Risky 300 - 579 Discover° More” Cord Account number ending in 2971 Open Date: Sep 27, 201 6- Close Date: 0d 26, 201 6 Curdmember Since 2002 Page 5 of 6 W 11/15 12/15 01/16 02/16 03/16 04/16 05/16 06/16 07/16 05/16 09/16 10/16 Important lnformuon: - We may not always receive u score for you each month so Ihere may be months with no scores. - For questions on the availability of your score go to the "Information For You" section of the document. Log into Discover.com/FICO to see key factors impacting all your scores. What your FICO° Creclit Score means to lenders 300 - 579 580 - 669 670 - 739 740 - 799 3m ' 350 indication ol Some lenders will Scores in this average indication of o indication oi o very risky approve borrowers US. range we very dependable on exceptional borrower with this score considered good borrower borrower See FICO° Credit Score Terms on the 'Information For You' section oi the statement. L 201 5 Discover Bank, Member FDIC CODE_SUM_01 15 JANET M BUDERUS Account number ending in 2971 Open Date: Sep 27, 201 6- Close Date: 0d 26, 2016 Page 6 of 6 .._.- ..,....... ..._..- New Balance $21’230'55 Minimum Payment Warning: If you make only Ihe minimum payment each See Interest Charge Calculation section following the period, you will pay more in interest and it will take you longer to pay off your Transactions section for detailed APR information balance. For example: Credit Line $1 9,100 “ i Credit Line Available $0 V i _.\. _. - = ,- Cash Advance Credit Line $3,400 'Bnly themmur: pwaymenlt-l 28 years I. $45,365 Cash Advance Credit Line Available $0 $7M 3 years (Sm/“123:!6591991666) You may be able to avoid interest on Purchases. See reverse for detaih If you would like information about credit counseling services, call 1-800-347-1 l2] . K J N FlcQ REWARDS A ' M th [ Cashback Bonus° "n've'sur’édzger W V. . cite/No r... .I-- t- _. . . n Inn 1- 1 ne-«inn Rnlnnra C 04 n7 DISCQVER Discover° More” CardAccount number ending in 297i Open Date: Aug 27, 201 6- Close Date: Sep 26, 201 6 Cardmember Since 2002 Page l of 6 ACCOUNT SUMMARY PAYMENT INFORMATION iour riCu" Crean ocore‘on Y/ZU/ lo. 5F°Mw9m5nw ' ’ W New Cashback Bonus This Period Everywhere Else 32.52 Redeemed This Period 0.00 $ $ You are overlimit by $21 30.55. Paying more than the Cashback Bonus Balance $ 58.59 Minimum Payment Due will reduce your overlimit amount. Anew-p”,- Track recent scores on your FICO“ page in this statement. - + To learn more, log in at Discover.com Make Check payable to Discover. Please fold on the perforation below, detach and return with your payment. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Payment Coupon Pay Online Pay by Phone Please do not fold, clip or staple. Discover.com 1-800347-2683 '-Ilill'l"'Illi'll'll"-I"lil"I'IIIII'I'IIIIIl-IIII'I'III-II'I JANET M BUDERUS 750 47TH AVE SPC I I CAPITOLA CA 9501 0-3136 PO BOX 51 908 LOS ANGELES, CA 90051 -6208 Phone and Internet payments must be received by 5PM ET to be credited as ofthe same day. III'IIIIIIIIIIIIIIIIIIII.IIIlll'l'll"Illlnllllllll'lll""lull Address, e-mail or telephone changed? Note changes on reverse side. is p'rocessed as an el-edronip funrd gnsfer, the transfer will be for therarqwountof ihe check. When we use Information ffom your check to make anelectronic fund transfer, funds may be Withdrawn from our accqunt as soonas the some day we reqelve your pgynnent, and you wrl not receive yourcheck back from your flnoncuol InsMuhon. The processing of your payment may be delayed if you send cash, corres- pondence or other items with your payments, if ou send the payment to any other address, or if you use an envelope other than the one provided. Payments received in proper form at our processing facility by 5PM locol time on any day will be credited to your Account as of that da . Payments received at our processing facility after 5PM local time will be cre ited to your Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 601 97-6103.Please allow 7'1 0 days for delivery. lf your payment is returned un aid, we reserve the right to resubmit it as an electronic debit. Payments ma e online or by phone will be credited as of the day of receipt if made by 5 PM Eastern time. You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic ayments through a customer service re resenlative by calling l-800-3f7-2683. Automatic pa ments for the bi ling period shown on vour statement will be deducted ont e Pavment Due Date shown on that JANET M BUDERUS Account number ending in 2971 Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. lost or stolen cards. Report immediately] Call 1-800-347-2683. What To Do If You Think You Find A Mistake O_n Your Statement: If you think there is an error on your statement, write to us at Discover PO Box 3042i , Salt Lake City, UT 841 30-0421 ,or submit the form provided at https://discover.com/billingerrornotice. You must contact us within 60 do s after the error appeared on your statement. You may call us, but if you we are not required to investi ate any potential errors, and you may have to pay the amount in question. he Billing Rights Notice further explains your statement, or the next automatic payment date referred to on your statement, unless you request a recurring payment date (e.F., the 15'“ day of the month) that occurs before your Payment Due Date or C ose Date. lf your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. tn order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4) digits of the social security number of the primary borrower. By providing those numbers as our electronic si natureqou will be agreeing to this authorization to allow us and your nk to educt each payment you authorize, in the amount selected b you, from your bank account. You also authorize us to initiate debit or cre it entries to your bank account, as applicable, to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1-800-347-2683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 841 30-O421;payment cancellations must be received before 5 PM ET of the scheduled withdrawal date. If your payments may vary in amount, we will tell ou on each monthly billing statement when your payment will be made and ow much it will be. CHANGE OF ADDRESS Monthly on the [l Payment Due Date UCiose Date D Day of month (insert date) Credit Reporting.We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reected in your credit report. We normally report the status and payment history of your Account to credit reporting agendas each month. lf you believe that our report is inaccurate or incomplete, please write us at this address: Discover, PO Box 1531 6,Wilmington, DE 19850-5316.Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billin periods that begin in February). We will not charge you any interest on Purc ases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Date or the first day of the billing period in which the transaction posted to your Account. HowWe Calculate Interest Charges. We Use the Dail Balance Method gncluding current transactions) to calculate the Balance ubiect to Interest ate. For more information. please call us at 1-800-347-2683 Open Date: Aug 27, 201 6- Close Date: Sep 26, 2016 Page2 of 6 You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. law. You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (ilii) statement Minimum Payment Due plus a xed dollar amount, or (iv) Ot er dollar amount. If your scheduled "Other dollaramount" payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. if your scheduled payment is gr'eater than the New Balance on your billing statement, thstI .ui ., _.. ......-..---.| ”4.1..” - ..-.- kn- -- Balance Sub'ect to interest Rate. Your statement shows a Bglance Subjectto Interest Ra e. It s ows this or eac transaction category. T .e Balance. Sublegt to Interest Rate is the average of the daily balances during the billing perio . Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billin statement. A credit balance is money that is owed to you. You may make c arges against this amount if our Account is open. We will send you a refund of any remainin balance or$1 .00 or more after 6 months, or as otherwise required by app icable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Balancp Transfers. Balance Transfrs are offered at our iscretion andaccrue interest at the standard purc ase rate unless we tel you otheMise. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® card is issued by Discover Bonk, Member FDIC. 11.23-25N.o916 r \ If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Street Address Home Phone Work Phone City Email State, Zip C J To make changes to your address, email or telephone number, visit Discover.com Continued on neid page _ _..._ _.-_..- -_r ._ ._ . ._ ......._. ~. uuu ‘u v --rvv.vu Aulomofive Sep 8 Sep 8 T AND T OK TIRE INC LOVELAND CO $ 677.33 Trovel/Entorluinment Sep 8 Sep 8 SPIRIT AIRLINES MIRAMAR FL $ 68.09 Sep 9 Sep 9 CHEAPOAIRCOM AIR CHEAPOAIR.COMNY 29.00 91 305626 Sep 24 Sep 24 AMERICANAIROOI2393374805 800-428-4322 TX 825.76 Sep 24 Sep 24 AMERICANAIROOI 2393374806 800-428-4322 TX 825.76 Sep 24 Sep 24 AMERICANAIROOI2393374807 800-428-4322 TX 825.76 Foes TOTAL FEES FOR THIS PERIOD 5 0.00 Interest Charged INTEREST CHARGE ON PURCHASES S 188.34 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 188.34 DISC®VER Discover° More° Card Accoum number ending in 2971 Open Date: Aug 27, 201 6 - Close Date: Sep 26, 201 6 Page 3 of 6 CONTACT US r A web Mobile A Phone Inauirv Mn" Pnvmnnk 201 6 Totals Year-io-Daie TOTAL FEES CHARGED IN 2016 3 105.00 TOTAL INTEREST CHARGED IN 2016 $ 1,536.32 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period531 days ANNUAI. PERCENTAGE RATE BALANCE SUBJECT TO TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchases 02/04/2016 and after 12.24% V $1 496.46 $15.54 02/03/2016 and prior 13.24% V $9 854.24 $1 10.78 Expired Promotional Purchases Promotional Purchases 13.24% V $5 51 3.25 $62.02 Cash Advances 24.24% V $0 00 $0.00 Balance Transfers 0.00% $1 974.09 $0.00 V=Variable Rate Information For You For more information about how interest charges are calculated see your Cardmember Agreement or go to www.discover.com/interestcharges NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Availability of FICO‘ Credit Score As an active curdmember, you may see your FICO° Credit Score on your monthly statement or online. Reasons why you may not see your FlCO' Credit Score include: if you opt oul; if you hove key informalion lhol is mismatched or missing, as one example, an address change that hos not been updated with Discover or TransUnion; if your credit history is too new; if your account status is abandoned, bankrupt, fraud, lost or stolen, closed, revoked, or charged off; if you have a foreign address; or if you have no account activity such as no purchase transactions, fees, interest, or payments for approximately 30 days. More from Discover Get 5% Cashback Bonus at Amazon.com, Department Stores and Sam's Club from October through December 20] 6, on up to $1 .500 in purchases, when you activate] Visit Discover.com/five JANET M BUDERUS Account number ending in 297i Open Date: Aug 27, 201 6- Close Date: Sep 26, 201 6 Page4 of 6 Information For You Continued FlCO’ Credit Score Terms Your FICO° Credit Score and key factors are based on data from TransUnion and may be different from other credit scores. This information is intended for Exceptional 800 - 850 Very Dependable 740- 799 Good 670- 739 Below Average 580-669 Very Risky 300 - 579 Discover” More° Card Account number ending in 297] Open Date: Aug 27, 201 6- Close Date: Sep 26, 201 6 Cordmember Since 2002 Page 5 of 6 10/15 11/15 12/15 01/16 02/16 03/16 04/16 05/16 06/16 07/16 08/16 09/16 Important Information: - We may not always receive a score for you each month so 1here may be months wilh no scores. - For quesllons on the availability of your score go to the "Information For You" section of the document. Log into Discover.com/FICO to see key factors impacting all your scores. What your FICOQ Credit Score means to lenders ‘ 300 - 579 580 - 669 670 - 739 740 - 799 800 - 850 If: 1a. Indication at Some lenders will Scores in this avenge Indication oi a indication at a very risky approve borrowers US. rangem very dependable an exceptional borrower with this score comidorod good borrower borrower See FICO° Credit Score Terms on the 'lnforrnation For You' section of the statement. 2015 Discover Bank, Member FDIC coaa_su~\_01 15 K JANET M BUDERUS Account number ending in 2971 Open Dole: Aug 27, 201 6- Close Date: Sep 26, 201 6 Page 6 of 6 New Balance $18'190'51 Minimum Payment Warning: If you make only the minimum payment each See Inierest Charge Calculation sedion following the period, you will pay more in interest and it will take you longer to pay off your Transactions section for detailed APR information balance. For example: Credit Line $1 9,100 Credit Line Available $909 I . COSh AdVance Cred" Line $3,400 Ohlythe minimum payment 27 years I $38,655 Cash Advance Credit Line Available $909 $61 2 3 Years (savinzgi'032186’621) You may be able to avoid interest on Purchases. see reverse for detaib If you would like information about credit counseling services, call 1-800-347-1 121 .J’ F|co REWARDS Anniversa Month0 [Y { Cashback Bonus Odober clr‘no rmazo N. arm/i A Ooeninn Balance s 'M n7 DISC . VER Discover° More" CardAccount number ending in 2971 Open Date: Jul 27, 20] 6- Close Date: Aug 26, 201 6 Cardmember Since 2002 Page 'l of 6 ACCOUNT SUMMARY PAYMENT INFORMATION Iuul I ugvlrfOIT OI'ZUI'I‘U. V c 1 a 1 New Cashback Bonus This Period + $ 0.00 Track recent scores on your FICO' page in this statement. Redeemed This PerlOd ' s 0'00 Cashback Bonus Balance $ 26.07 To learn more, log in at Discaver.com Make Check payable to Discover. Please fold an the perforation below, detach and return with your payment. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Payment Coupon Pay Online GayPay by PhonePlease do notfold,c|ip or staple. “ Discovercom 1-800-3472683 IIIII'Ill-Il'lll"IllI|"""I'I"'I-II-IIIII'IIIIIIIIIII"II-III JANET M BUDERUS ‘1'750 47TH AVE SPC ii CAPITOLA CA 9501 0-31 36 PO BOX 51 908 LOS ANGELES, CA 90051 -6208 IIIIIII Ilimlmllll IIIIIIIIIIIIIII Phone and Internetpayments must be received by 5PM ETta be credited as otthe same day. " I I I I Ill I I I ll I ll" I II I I I I I I I Address, e-mail or telephone changed? Note changes on reverse side. .- -.. -.. mung"... ..:........., u... w w. n... muw...of the check. When we use Information from your check fo make anelectronic fund transfer, funds may be Withdrawn from our accqunt as soonas the same day we receive you_r pgyment, and you w1| not receive yourcheck back from your financnal Inshlulion. The processing of your payment may be delayed if you send cash, corres- pondence or oiher items with your paymenis, if ou send the payment to any other address, or if you use an envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that d . Payments received at our processing facility after 5PM local time will be cre ited to your Account as at the next da . It ou have mis laced your envelope, send your payment to Discover, PO ox 103, Carol tream, IL 60197'61 03. Please allow 7-10 days for delivery. If your payment is returned un aid, we reserve the right to resubmit it as an electronic debit. Payments mad; online or by phone will be credited as of the day of receipt if made by 5 PM Eastern time. You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service re resentative by calling 1-800-347-2683. Automatic pa ments for the bi ling period shown on your statement will be deducted on t e Payment Due Date shown on that ctntnmnnt nr ”in new! nlnmntir nnvmnnl rlnta rn‘arrnrl On an um" “Moment JANET M BUDERUS Account number ending in 297i Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately! Call 1-300-347-2683. What 9 o If You Think You Find A Mistake On Your Statement If you t In there is an error on your statement, write to us at: Discover, PO Box 30421 , Salt Lake City, UT 84130-0421 . You must write to us within 60 days after the error op eared on your statement. You may call us, but if you do we are not require to investi ate any potential errors, and you may have to ay the amount in question. T e Billing Rights Notice further explains your .rig .-.-l’.|.9q,se.ts.ee. x99n§9rdmemb9r.&ne9mnt9n met“. ,w. unless you re uest a recurring p ment date (e.p., the 15'“ day of the month) that occurs bgfore your PaymentaDue Date or C ose Date. It your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4) digits of the social security number ot the primary borrower. By providing those numbers as our electronic si nature, ou will be agreeing to this authorization to aliow us and your ank to educt each payment you authorize, in the amount selected b you, from your bank account. You also authorize us to initiate debit or cre it entries to your bank account, as applicable, to correct an error in the processin of such payment. You can cancel a scheduled payment by phone at l-SOg-347-2683 or by mail at Discover, PO Box 3042i, Salt Lake City, UT 841 30-0421 ; ayment cancellations must be received before 5 PM ET of the sch uled withdrawal date. lf your payments may vary in amount, we will tell ou on each monthly billing statement when your payment will be made and ow much it will be. CHANGE OF ADDRESS Monthly on the U Payment Due Date U Close Date D Day of month (insert date) Credit Reporting.We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at this address: Discover, PO Box 1531 6,Wi|mington, DE 19850-531 6.Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will not charge you any interest on Purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Date or the first day of the billing period in which the transaction posted to your Account. HowWe Calculate Interest Charges. We Use the Daily Balance Method (including current transactions) to calculate the Balance ubiect to Interestnuts Fm inhuman. Mn ... no t nnn on lune Open Date: Jul 27, 201 6- Close Date: Aug 26, 201 6 Page 2 of 6 You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. law. You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) Ot er dollar amount. If your scheduled "Other dollaramount" payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. If your scheduled payment is reater than the New Balance on your billing statement, that .ww. .o. .v u. ....v....u..o.., pause-w" us u. oBalance Sub)ect to Interest Rate. Your statement shows a Bance Subiectto Interest Ra . It shows this for each transaction ca egory. T .e BalarET' SubJegt to Interest Rate Is the average of the daily ba ances dunng the I ling perlo . Credit Balances. If your Account has a credit balance, the amount is shown on the tront of your billin statement. A credit balance is money that is owed to you. You may make c arges against this amount if our Account is open. We will send you a refund of any remainin balance 0151 .00 or more after 6 months, or as othewvise required by app icable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Balance Transfers. Balance Transfers are offered at our discretion andaccrue interest at the standard purchase rate unless we tell you otherwnse. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® card is issued by Discover Bank, Member FDIC. TL23-25N.0716 f W If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Street Address Home Phone Work Phone City Email State, Zip J To make changes to your address, email or telephone number, visit Discover.com Continued on next page . -I.._... -.._ -.--..- u. .v . ”nun..." n u v -uvv.vv Fees TOTAL FEES FOR THIS PERIOD 5 0.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 179.05 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 179.05 201 6 Totals Year-Io-Date TOTAL FEES CHARGED IN 2016 5 105.00 TOTAL INTEREST CHARGED IN 2016 5 1,347.98 Inierest Charge Calculation Your Annual Percenlage Rate (APR) is the annual interest rate on your account Current Billing Periods31 days ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO DISC VER Discover” More” CardAccount number ending in 2971 Open Dale: Jul 27, 20] 6 - Close Dole: Aug 26, 201 6 Page 3 of 6 CONTACT US ' I- M il P man} Nm 3W“ NCE M°b"° (APR) PM“ INIEREST'VKI'E’ IN"IERE‘§T CH‘ARGE Purchases' 02/04/2016 and after 12.24% V $773.44 $8.03 02/03/2016 and prior 13.24% V $9,757.90 $109.71 Expired Promolional Purchases Promotional Purchases 13.24% V $5,451.60 $61.31 Cash Advances 24.24% V $0.00 $0.00 Balance Transfers 0.00% 52376.1 6 $0.00 V=Variab|e Rate Information For You For more information about how interest charges are calculated see your Cardmember Agreement or go to www.discover.com/interestcharges FICO’ Credit Score Terms Your FICO° Credit Score and key factors are based on data from TransUnion and may be different from other credit scores. This information is intended for and only provided to Primary cardmembers who have an available score. See Discover.com/FICO about the availability of your score. Your score and key factors are available on Discover.com and your score is provided on statements. You will see up to a year of recent scores starting when you become a cardmember. Discover and other lenders may use different inputs, such as a FICO’ Credit Score, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries. If you prefer not to receive your FICO° Credit Score just call us at 1-800-DISCOVER (1 -800-347-2683). Please give us two billing cycles to process your request. To learn more, visit Discover.com/FICO Availability of FICO° Credit Score As an active cardmember, you may see your FlCO° Credit Score on your monthly statement or online. Reasons why you may not see your FICO° Credit Score include: if you opt out; if you have key information that is mismatched or missing, as one example, an address change that has not been updated with Discover or TransUnion; if your credit history is too new; if your account status is abandoned, bankrupt, fraud, lost or stolen, closed, revoked, or charged off; if you have a foreign address; or if you have no account activity such as no purchase transactions, fees, interest, or payments for approximately 30 days. JANET M BUDERUS Account number ending in 2971 Open Daie: Jul 27, 2016- Close Dale: Aug 26, 2016 Page4 of 6 More from Discover Did you know that Discover” also offers unsecured personal loans? Choose a loan amount up lo $35,000 with a fixed rule and $0 origination or closing fees. Visit DiscoverPersonalLoans.com lo apply or learn more. Exceptional 800 - 850 Very Dependable 740-799 Good 670-739 Below Average 580-669 v Very Risky 300 - 579 Discover” More“ Cord Account number ending in 2971 Open Date: Jul 27, 201 6- Close Dale: Aug 26, 201 6 Cardmember Since 2002 Page 5 of 6 r W 09/15 10/15 11/15 12/15 01/16 02/16 03/16 04/16 05/16 06/16 07/16 08/16 lmporianf Information: - We may not always receive a score for you each month so there may be months with no scores. - For questions on the availability of your score go to the "Information For You“ section of the document. Log into Discover.com/FICO to see key factors impacting all your scores. What your FICOG Credit Score means to lenders K. 300 - 579 Indication oi a very risky borrowar approve borrowers with this score 580 - 669 Some lends: will 670 - 739 Scores in this average US. rangem considered good 740 - 799 lndioation ol a very dependable borrower 800 - 850 indication of an exceptional borrower See FICO° Credit Score Terms on the 'lnformation For You‘ section of the statement. 201 5 Discover Bank, Member FDIC CODE_SUM_01 1 5 JANET M BUDERUS Account number ending in 2971 Open Dofe: Jul 27, 2016 - Close Dole: Aug 26, 201 6 Page 6 of 6 Ina I'BHOIIY AFR 01 I I .1470 VOTIGDIB. New Balance $1 8’379‘46 Minimum Payment Warning: If you make only 1he minimum payment each See Interest Charge Calculation sedion following 1he period, you will pay more in interest and it will lake you longer lo pay off your Transadions sedion for detailed APR information balance. For example: Credit Line $19,100 ' " Credit Line Available $720 _ 1 ' ‘ ' Cash Advance Credit Line $3,400 only the minimumpayment 27 years $39,0l 9 . . . $61 7 3 years $22,226Cash Advance Credit Line Available $720 I (savings: s I 6,793) You may be able to avoid interest on Purchases. see reverse for dawns. If you would like information about credit counseling services, call 'l-800-347-l 121 .kr F|co_ REWARDS { cashback Bonuso Anniversary Month W October DISC VER Discover° More” CardAccount number ending in 297i Open Date: Jun 27, 201 6- Close Date: Jul 26, 201 6 Cardmember Since 2002 Page l of 6 ACCOUNT SUMMARY PAYMENT INFORMATION - Your FICO° Credit Score-on 7/20/1 6. r Open'wralénce 5 22.59 “W m New Cashback Bonus This Period Track recent scores on your FICO° page in this statement. Reieemgfiflsiiod 4: i ga: Cashback Bonus Balance $ 26.07 To learn more, log in at Discovemom Make Check payable to Discover. Please fold on the perforation below, detach and return with your payment. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Payment Coupon 9 Pay Online Pay by PhonePlease do not fold, clip or staple. Discover.com 1800-1347-2683 "ulmlI'llllllllllllilllIllllllllllllll"'lullllllllllulllll JANET M BUDERUS . l" ' 750 47TH AVE SPc 11 ‘ CAPITOLA CA 9501 0-31 36 PO BOX 51 908 LOS ANGELES, CA 90051 -6208 Ill: u Illli I lIlI ii I llli III II ll Phone and Internetpaymenls must be received by 5PMETto be credited as oflhe same day. I I ll "Ill I I" II Illlll” I II II II I I I I I Address, e-mail or telephone changed? Note changes on reverse side. .- ,.-__---_ .- .... ..._..-...., ...- ..-........ -., .... ...-of the check. When we use information from your check to make aneledronlc fund 'ransfer, funds may be Withdrawn from our uccquni as soonas the some day we receive you; pgyment, and you qu no! receive yourcheck back from your nancnal InsMuhon. The processing of your payment may be delayed if you send cash, corres- pondence or other items w'nh your paymenis, if ou send the paymeni 10 any oiher address, or if you use on. envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local time on any day wi|| be credited to your Account as of that da . Payments received at our processing facility after 5PM local time will be cre ited to your Account as of the next da . If ou have misplaced your envelope, send your payment to Discover, PO ox 103, Carol Stream, IL 601 97-6103. Please allow 7-10 days for delivery. If your payment is returned un aid, we reserve the right to resubmit it as an electronic debit. Payments maJe online or by phone will be credited as of the day of receipt if made by 5 PM Eastern time. You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service re resentative by calling 1-800-347-2683. Automatic pa ments tor the bi ling period shown on your statement will be deducted on t e Payment Due Date shown on that stntpment nr the nnvt nutnmntir mvmnnt rlntn retnrrerl tn rm um u- etntnmnnt JANET M BUDERUS Account number ending in 2971 Monthly on the D Payment Due Date D Close Date D Day of month (insert date) Credit Reporting.We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at this address: Discover, PO Box 15316,Wilmington, DE 19850-531 6.Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will not charge you any interest on Purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Date or the first day of the billing period in which the transaction posted to your Account. HowWe Calculate Interest Charges. We Use the Dai Balance Method (including current transactions) to calculate the Balance ubiect to Interestan». Fm mm. :ntmmnmm “Imus ".II m no 1 .enn an Inn-z Open Date: Jun 27, 2016- Close Date: Jul 26, 2016 Page 2 of 6 Important Information See your CardmemberAgreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediatelyl Call 1-800-347-2683. What To Do It You Think You Find A Mistake Qn Your Statement If you think there is an error on your statement, write to us at: Discover, PO Box 30421 , Salt Lake City, UT 841 30-0421 . You must write to us within 60 days after the error ap eared on your statement. You may call us, but it youdo we are not requir to investigate any potential errors, and you may have to ay the amount in question. The Billing Rights Notice further explains your rig..t.s...-!’.l,eqs.e..s.ee..Kgucggrstmsnsbsmqresmnler.xis't- -.. unless you request a recurring pa ment date (e. ., the 15'“ day of the month)that occurs before your Payment ue Date or Case Date. lf your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4) digits of the social security number of the primary borrower. By providing those numbers as our electronic si nature, ou will be agreeing to this authorization to allow us and your gank to edud each payment you authorize, in the amount selected b you, from your bank account. You also authorize us to initiate debit or cre$t entries to your bank account, as applicable, to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1-800-347-2683 or by mail at Discover, PO Box 30421 , Salt Lake City, UT 841 30-0421,- ayment cancellations must be received before 5 PM ET of the sche uled withdrawal date. If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be. CHANGE OF ADDRESS You must ensure that sufcient funds are available in your bank account, and all transactions must comply with U.S. law. You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) Ot er dollar amount. if your scheduled "Other dollaramount" payment Is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. It the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. If your scheduled payment is greater than the New Balance on your billing statement, that. r. .mmuuunéu, p-Juoo'uuu v. u: 1-c'auv-u-H-LUDJ. Balance Sub'ect to Interest Rate. Your statement shows a Balance Subiectto Interest Ra e. It shows this for each transaction category. The Balance. Subjegt to Interest Rate Is the average of the daily balances during the billing perio . Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billin statement. A credit balance is money that is owed to you. You may make c arges against this amount if our Account is open. We will send you a refund of any remainin balance o $1 .00 or more after 6 months, or as otherwise required by app icable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Balance Transfe. . Balarace Transfers are offered at our discretion andaccrue interest att e stun ard purchase rate unless we tell you otherWise. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® card is issued by Discover Bank, Member FDIC. TL23-25N.0716 N( If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Street Address Home Phone Work Phone City Email State, Zip K J To make changes to your address, email or telephone number, visit Discover.com Continued on next page . _,...-...- _.... -.-...... .-. . . ..... . , . ..v-u. - n mun luv a -.Juu.uu Merchandise Jul 3 Jul 3 FANDANGOCOM FANDANGOCOM CA $ 39.75 921951 71 o travel/Entenuinmem Jul 19 Jul 19 RC1 31 7-805-8000 31 7.805-8000 1N $ 21 9.00 Jul 19 Jul 19 RC1 31 7.805-8000 31 7.805-8000 1N 59.00 Foes TOTAL FEES FOR THls PERIOD $ 0.00 1n1eres1 Charged INTEREST CHARGE 0N PURCHASES S 170.31 INTEREST CHARGE 0N CASH ADVANCES 0.00 INTEREST CHARGE 0N BALANCE TRANSFERS 0.00 TOTAL INTEREST Eon THIS PERIOD 170.31 201 6 Totals Year-io-Date TOTAL FEES CHARGED IN 201 6 s 105.00 DISC®VER Discover° More” Cord Account number ending in 2971 Open Dale: Jun 27, 201 6 - Close Date: Jul 26, 201 6 Page 3 of 6 f . . . XA M b l PI‘I Innlurv - ml Danna-Me' web ° TOTAL INTER'E'S'T CHARGED IN 2016 1,1 60.93 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period'30 days ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO TYPE 0F BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchases 02/04/2016 and after 12.24% V $554.54 $5.57 02/03/201 6 and prior 13.24% V $9,746.96 $106.05 Expired Promotional Purchases Promotional Purchases 13.24% V $5,391 .62 $58.69 Cash Advances 24.24% V $0.00 $0.00 Balance Transfers 0.00% $2,752.86 $0.00 V=Variable Rate Information For You For more information about how interest charges are calculated see your Cardmember Agreement or go to www.discover.com/Interestcharges Balance Transfer Fee Reduction: Good news! We are excited to let you know about a fee reduction on your Discover” card account. If you lake a Balance Transfer, the new maximum Fee has been lowered from 5% to 3% of the amount of each transfer. Beginning March 8, 201 6, the following replaces the Balance Transfer Fees section of your Pricing Schedule: 3% of the amount of each transfer. For more information about Balance Transfers or if you have any questions, call us at l-800-767-7339 or visit Discover.com NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION .- r.-_-__ I--. .- ..._.-, ..-.. Availability of FICO” Credit Score As an active cardmember, you may see your FICO° Credit Score on your monthly statement or online. Reasons why you may not see your FICO° Credit Score include: if you have o ioint account; if you opt out; if you hove key information that is mismatched or missing, as one example, an address change that has not been updated with Discover or TransUnion; if your credit history is too new; if your account status is abandoned, bankrupt, fraud, lost or stolen, closed, revoked, or charged off; if you have a foreign address; or if you have no account activity such as no purchase transactions, fees, interest, or payments for approximately 30 days. JANET M BUDERUS Account number ending in 2971 Open Date: Jun 27, 201 6- Close Date: Jul 26, 2016 Page4 of 6 Information For You Continued FICO° Credit Score Terms \I I-.- In r . I I r. I q- ”- I I mlr' .t a 1-. In.-r a. u u. I c- Exceptional 800 - 850 Very Dependable 740-799 Good 670-739 Below Average 580-669 Very Risky 300 - 579 Discover” More° Cord Accouni number ending in 2971 Open Date: Jun 27, 2016- Close Date: Jul 26, 20‘ 6 Cardmember Since 2002 Page 5 of 6 ( N 08/15 09/15 10/15 11/15 12/15 01/16 02/16 03/16 04/16 05/16 06/16 07/16 Important Information: - We may not always receive a score for you each month so there may be months with no scores. - For questions on the availability of your score go to the "Information For You' section of the document. Log into Discover.com/FICO to see key factors impacting all your scores. What your FlCO“ Credit Score means to lenders 300 - 579 580 - 669 670 - 739 740 - 799 800 - 850 indication Ol Some lenders will Scores in this average Indication at a Indication of o very risky approve borrowers U5. range are vay dependable an exceptional borrower with this score considered good borrower borrower See FlCO' Credit Score Terms on the 'lnformatian For You' section ofthe statement. 2015 Discover Bank, Member FDIC CODE_SUM_01 15 K JANET M BUDERUS Account number ending in 2971 Open Date: Jun 27, 201 6- Close Daie: Jul 26, 2016 Pageé of 6 New Balance $1 8,391 .40 See Interest Charge Calculation section following the Transadions sedion for detailed APR information Credit Line $1 9,1 00 Credit Line Available $708 Cash Advance Credit Line $3,400 Cash Advance Credit Line Available $708 You may be able to avoid interest on Purchases. see reverse for details. FICO. r REWARDS nu. u nun-nu, nu u v: u I .‘w/u vulnuvnc. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: V E. -, . _ , _ 5| mpg. .’ 'Il'lalta'z ' W9 c ‘ 3 , 3E .-!‘ 3 ii .‘r:' ~': Q' $38.[only the minimum payment 27 years 97o $61 7 3 years $22,210 (Savings= $16,766) If you would like information about credit counseling services, call 1-809-347-1 121 .J u n. n l Anniversary Month N October nn an Cashback Bonus” DISC®VER Discover" More” Card Account number ending in 2971 Open Date: May 27, 2016- Close Date: Jun 26, 201 6 Cardmember Since 2002 Page 1 of 6 ACCOUNT SUMMARY PAYMENT INFORMATION _ rour Lrean ocore on O/ZU/ Io. Qbe'll'lu'bud'lw 0 [1-67 Hessian-cm New Cashback Bonus This Period + $ 0.00 Track recent scores on your FICOO page in this statement. RadeemEd Th" Pemd ' s 0‘00 Cashback Bonus Balance $ 22.89 Please see Notice of Changes To learn more, log in at Discover.comA to Your Payment Address Make Check payable to Discover. Please fold on the perforation below, detach and return with your payment. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Payment Coupon Please do not fold, clip or staple. Pay Online Discover.com[ 9 -l'I'II'II-lI'I"'I-III'I-III'II'Illll-illlI-IIII'IIIhII-l'hll- JANET M BUDERUS %750 47TH AVE SFC 1 1 CAPITOLA CA 95010-3136 Phone and Internet payments must be received by 5PM ET to be credited as ofthe same day. Address, e-mail or telephone changed? Note changes on reverse side. Q Pay by Phone1-800-347-2683 PO BOX 51 908 LOS ANGELES, CA 90051 -6208 u nun. Hung-cu, um vvm u: n." Inc ulnuvul... of the check. When we use information fyom your check to make anelectronic fund transfer, funds may be Withdrawn from our uccqunt as soonas the same day we receive your pgynjleni, and you wII n01 receive yourcheck back from your nancral institution. The processing of your payment may be delayed if you send cosh, corres- pondence or other iiems with your payments, if ou send the payment to any other address, or if you use an envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that da . Payments received at our processing facility after 5PM local time will be cre ited to your Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 601 97-61 03. Please allow 7-1 0 days for delivery. If your payment is returned un aid, we reserve the right to resubmit it as an electronic debit. Payments maJe online or by phone will be credited as of the day of receipt if made by 5 PM Eastern time. You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service re resentative by calling 1-800-347-2633. Automatic pa ments for the bi ling period shown on your statement will be deducted on t e Payment Due Date shown on thatadamant m ol-m new mdnmnr nnumanr Ania. "Jam”! on .mm JANET M BUDERUS Account number ending in 297i Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediatelyl Coll 1-800-347-2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at: Discover, PO Box 3042] , Salt Lake City, UT 841 30-0421 . You must write to us within 60 days after the error ap ared on your statement. You may call us, but it you do we are not require to investi ate any potential errors, and you may have to ay the amount in question. T e Billing Rights Notice further explains your rig a.-l’.l,eqse.see xqvcgerrtmerphsmqcwwter.seat... ,w. unless you re uest a recurring paBment date (e.F., the 15"“ day of the month) that occurs be ore your Payment u Date or C ose Date. If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4) digits of the social security number of the primary borrower. By providing those numbers as our electronic si nature, ou will be agreeing to this authorization to allow us and your ank to Jeduct each payment you authorize, in the amount selected b you, from your bank account. You also authorize us to initiate debit or cre it entries to your bank account, as applicable, to correct an error in the processing of such payment. You can cancel a scheduled ayment b phone at 1-800-347-2683 or by mail at Discover, PO Box 3 421 , Salt lake City, UT 841 30-0421; payment cancellations must be received before 5 PM ET of the scheduled withdrawal date. If your payments may vary in amount, we will tell ou on each monthly billing statement when your payment will be made and how much it will be. CHANGE OF ADDRESS _- ....... , Monthly on the D Payment Due Date DClose Date D Day of month (insert date) Credit Reporting.We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. It you believe that our report is inaccurate or incomplete, please write us at this address: Discover, PO Box 15316,Wilmington, DE 19850-531 6. Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will not charge you any interest on Purchases it you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Date or the rst day of the billing period in which the transaction posted to your Account. HowWe Calculate Interest Charges. We Use the Dail Balance Method including current transactions) to calculate the Balance ubiect to Interest' ’ I "nae-l1 Of‘nOlTCar aim-lush Open Date: May 27, 2016- Close Date: .lun 26, 2016 Page2 of 6 You must ensure that sufcient funds are available in your bank account, and all transactions must comply with U.S. law. You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, iii) statement Minimum Payment Due plus a xed dollar amount, or iv) Ot er dollar amount. If your scheduled "Other dollaramount" payment Is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. lf your scheduled payment is reater than the New Balance on your billing statement, that nuns. Iv: n' I: uuurllluuou, plduac'cun ua ul I-OVU-a‘OI-LUOJ. Ba-ance Sub'ect to Interest Rate. Your statement shows a Bance Sub ect to nterest Ra e. It shows this for each transaction category. .e Balance Suqlegt to Interest Rate is the average of the dolly balances during the bII' ng perro . Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billin statement. A credit balance is money that is owed to you. You may make c arges against this amount if our Account is open. We will send you a refund of any remainin balance o $1 .00 or more after 6 months, or as otherwise required by app icable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Balance Transte . Balarhce Transfgrs are offered at our iscretion andaccrue Interest att e st n ard purc ase rate unless we tel you othenmse. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® card is issued by Discover Bank, Member FDIC. TL23-24N.0215 r N If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Street Address Home Phone Work Phone City Email State, Zip J To make changes to your address, email or telephone number, visit Discover.com Continued on next page ._,...-...- _.... - .-. um m .numuu - n mun uvu a -auu.uu Fees TOTAL FEES FOR THIS PERIOD 3 0.00 Incerest Charged INTEREST CHARGE ON PURCHASES $ 174.1 6 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 174.16 201 6 Totals Year-Io-Date TOTAL FEES CHARGED IN 2016 $ 105.00 TOTAL INTEREST CHARGED IN 201 6 5 998.62 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Periodi days ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO DISC VER Discover” More‘ Card Account number ending in 2971 Open Date: May 27, 2016 - Close Date: Jun 26, 2016 Page 3 of 6 Ra web A Mobile A mm... A .n-..:-. A I...“E F BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchases 02/04/201 6 and after 12.24% V $443.85 $4.60 02/03/2016 and prior 13.24% V $9,746.96 $109.58 Expired Promotional Purchases Promotional Purchases 13.24% V $5,332.29 $59.98 Cash Advances 24.24% V . $0.00 $0.00 Balance Transfers 0.00% $3,068.74 $0.00 V=Variable Rate- Information For You For more information about how interest charges are calculated see your Cardmember Agreement or go to www.discover.com/interestcharges FICO° Credit Score Terms Your FICO° Credit Score and key factors are based on data from TransUnion and may be different from other credit scores. This information is intended for and only provided to Primary cardmembers who have an available score. See Discover.com/FICO about the availability of your score. Your score is provided on the statement for individual accounts and on Discover.com with key factors for individual and ioint accounts. You will see up to a year of recent scores starting when you become a cardmember. Discover and other lenders may use different inputs, such as a FICOO Credit Score, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries. If you prefer not to receive your FlCO” Credit Score on your statement, iust call us ot 1-800-DISCOVER (1 -800-347-2683). Please give us two billing qcles to process your request. To learn more, visit Discover.com Availability of FICO° Credit Score As an active cardmember, you may see your FICO° Credit Score on your monthly statement or online. Reasons why you may not see your FICO° Credit Score include: if you have a ioint account; if you opt out; if you have key information that is mismatched or missing, as one example, an address change that has not been updated with Discover or TransUnion; if your credit history is too new; if your account status is abandoned, bankrupt, fraud, lost or stolen, closed, revoked, or charged off; if you have a foreign address; or if you have no account activity such as no purchase transactions, fees, interest, or payments for approximately 30 days. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION JANET M BUDERUS Accoun! number ending in 2971 Open Daie: May 27, 201 6- Close Dole: Jun 26, 2016 Page 4 of 6 Information For You Continued Notice of Changes to Your Payment Address V L'J J0- 0L... JJ L ..........- __...__._A ALL- L_u-_. -t V-.. .L-..l.l.._J_n-..-...mnn‘ n Exceptional 800 - 850 Very Dependable 740-799 Good 670-739 Below Average 580.669 _ Very Risky 300- 579 Discover” More” Cord Account number ending in 2971 Open Date: May 27, 201 6- Close Date: Jun 26, 201 6 Cardmember Since 2002 Page 5 of 6 W 07/15 08/15 09/15 10/15 11/15 12/15 01/16 02/16 03/16 04/16 05/16 06/16 Imponan! Information: - We may not always receive a score for you each monlh so there may be months with no scores. - For questions on the availability of your score go to the "Information For You" section of the document. Log into Discover.com/FICO to see key factors impacting all your scores. What your FICOG Credit Score means to lenders 300 - 579 580 - 66 670 - 739 740 - 799 800 - 850 Indication at Some lenden will Scores in this average Indication ot a Indication ot a very risky approve borrowen 1.1.5. range we very dependabte an exceptional ower with this more considered good borrower borrower See FICO' Credit Score Terms on the 'lntormation For You' section of the statement. 2015 Discover Bank, Member FDIC CODE_SUM_01 15 K J JANET M BUDERUS Account number ending in 2971 Open Daie: May 27, 2016- Close Date: Jun 26, 201 6 Pageé of 6 Ine I'EHGH'Y AFR OI ll .1470 VOI’IODIe. New Balance $1 8,7] 7.24 . . . . .Mlnlmum Payment Warnlng: If you make only the minimum payment each See Interest Charge Calculaon section following the period, you will pay more in interest and it will take you longer to pay off your Transactions section for detailed APR information balance. For awexample.Credit Line $1 9,100 Credit Line Available $382 z A ’__ ._ i Cash Advance Credit Line $3,400 Onlythetaminimum payment 27 years $39,628 - - - $627 3 years $22,566Cash Advance CredIt LIne AvaIlable $382 (Savings: $1 7,062) You may be able to avoid interest on Purchases. See reverse for details. K’ F|co_ REWARDS f cashback Bonuso Anniversary Month W If you would like information about credit counseling services, call 1-800-347-1 121 . October DISC VER Discover° More” Card Account number endIng In 297i Open Date: Apr 27, 2016- Close Date: May 26, 201 6 Cardmember Since 2002 Page l of 6 ACCOUNT SUMMARY PAYMENT INFORMATION _ Your FICO° Credit Score on 5/20/1 6. r Open'ng Balance 5 22-89W M New Coshback Bonus This Period + $ 0.00 Track recent scores on your FlCO' page in this statement. Redeemed Th" Pen°d ' s 0'00 Cashback Bonus Balance . $ 22.89 To learn more, log in at Discover.com Make Check payable to Discover. Please fold on the perforation below, detach and return with your payment. Payment Coupon e Pay Online G Pay by PhonePlease do not fold, clip or staple. Discovercom l-800-347-2683 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION JANET M BUDERus ' . ‘1-2103 s GARFIELD AVE LOVELAND CO 80537-7337 PO BOX 790213 ST. LOUIS, MO 63179-0213 IIIlIllI lIIIIlllIIIl IIIlIIl II llll Phone andlntemetpayments must be received by 5PMETto be credited as ofthe some day. I l I" I l ll I II I II I III I I I III IIIII I I Address, e-mail or telephone changed? Note changes on reverse side. EfTEé'EEéEE.WEé‘nWe‘LEEiBfB’rh‘waWi-o};'fEHr FREE-EEK}; Hal}; d'n'"eledromc fund transfer, funds may be wnhdrawn from your accqunt us soon as the some day we receive your payment, and you wul not receive yourcheck back from your nancral institution. The processing of your payment may be delayed if you send cosh, corres- pondence or other items wiih your poymenis, if Kou send the payment to any other address, or if you use an envelope other t an the one provided. Payments received in proper form at our processing facility by 5PM local lime on any day will be credited to your Account as of that da . Payments received at our processing facility after 5PM local time will be cre ited to your Account as of the next da . If you have mis laced your envelope, send your payment to Discover, PO ox 61 03, Carol tream, IL 601 97'6103. Please allow 7-10 days for delivery. It your payment is returned un aid, we reserve the right to resubmit it as an electronic debit. Payments ma e online or by phone will be credited as at the day of receipt if made by 5 PM Eastern lime. You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service re resentative by calling 1-800-347-2683. Automatic pa ments for the bi ling period shown on your statement will be deducted ont e Payment Due Date shown on that statement or the next automatic nnvment date referred tn nn vnnr shipment JANET M BUDERUS Account number ending in 2971 Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately! Call 1-800-347-2683. What To Do If You Think You Find A Mistake Qn Your StatementIt you think there is an error on your statement, write to us at: Discover, PO Box 30421 , Salt Lake City, UT 841 30-0421. You must write to us within 60 days after the error ap ared on your statement. You may call us, but if you do we are not requir to investi ate any potential errors, and you may have to ay the amount in question. T e Billing Rights Notice further explains your rights-.jleqsesee. 1951cQwdmemlaengesmsntgr..Visit- - - , unless you re uest a recurring pa ment date (e.F., the 15'“ day of the month) that occurs be ore your Payment ue Date or C ose Date. If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4) digits of the social security number of the primary borrower. By providing those numbers as our electronic si nature, ou will be agreeing to this authorization to allow us and your nkto educt each payment you authorize, in the amount selected b you, from your bank account. You also authorize us to initiate debit or cre it entries to your bank account, as applicable, to correct an error in the processin of such payment. You can cancel a scheduled payment by phone at 1-80 -347-2683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 841 30-O421;payment cancellations must be received before 5 PM ET of the scheduled withdrawal date. If your payments may vary in amount, we will tell ou on each monthly billing statement when your payment will be made and ow much it will be. CHANGE OF ADDRESS Monthly on the l] Payment Due Date DClose Date D Day of month (insert date) Credit Reporting. We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at this address: Discover, PO Box 1531 6,Wilmington, DE 19850-531 6. Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will not charge you any interest on Purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Date or the first day of the billing period in which the transaction posted to your Account. HowWe Calculate Interest Charges.We Use the Dui Balance Method gncluding current transactions) to calculate the Balance ubiect to Interesttn F r mare infnrmntinn nlanea rr-ll n: nt ‘l .Rnn QA7.')A9Q Open Date: Apr 27, 201 6- Close Date: May 26, 2016 Page2 of 6 You must ensure that sufcient funds are available in your bank account, and all transactions must comply with U.S. law. You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) Ot er dollar amount. lf your scheduled "Other dollaramount" payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. lf the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. lf your scheduled payment is greater than the New Balance on your billing statement, that........ . .-. ...............e.., peruse-u... us u. t-auo-o-n-Luoa. Balance Sub']ect to Inter st ate. our statement shows a Balance Subjectto lnterest Ra e. It shows rs or eac transaction category. .e Ba once. Sublegt to Interest Rate is t e average of the daily balances during the billing perio . Credit Balances. lf your Account has a credit balance, the amount is shown on the front of your billin statement. A credit balance is money that is owed to you. You may make c urges against this amount if our Account is open. We will send you a refund of any remoinin balance o $1 .00 or more after 6 months, or as otherwise required by app icable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Balance Transfers. Balance Transfers are offered at our discretion andaccrue interest at the standard purchase rate unless we tell you otherwnse. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® card is issued by Discover Bank, Member FDIC. TL23-24N.0215 f If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. W Street Address Home Phone Work Phone Ciiy Email State, Zip p j To make changes to your address, email or telephone number, visit Discover.com Continued on next page _ .. ..... . .........'- v -v:l.vv Fees TOTAL FEES FOR THIS PERIOD 5 0.00 Interest Charged INTEREST CHARE ON PURCHASES $ 167.26 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 167.26 201 6 Totals Year-Io-Dale TOTAL FEES CHARGED IN 2016 $ 105.00 TOTAL INTEREST CHARGED IN 201 6 5 824.46 lnIeresI Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Periodz30 days ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO....... DISC VER Discover° More” Card Account number ending in 2971 Open Date: Apr 27, 2016 - Close Date: May 26, 2016 Page 3 of 6 CONTACT US Lamb“ A M°b"° WI,‘ ”W mustiam/ ‘ Mgmaace \ Purchases 02/04/201 6 and after 12.24% V $439.34 $4.43 02/03/201 6 and prior 13.24% V $9,691 .70 3 l 05.45 Expired Promotional Purchases Promotional Purchases 13.24% V $5,273.63 $57.38 Cash Advances 24.24% V $0.00 $0.00 Balance Transfers 0.00% $3,276.53 $0.00 =Variable Rate Information For You Effective August I", 201 6, Discover card will be revamping the Ierms for Auto Rental Insurance. Revised coverage will be $25,000 Secondary Loss Damage Waiver and will include coverage if the cardmember suffers a loss due to a collision or damage to an eligible rented vehicle. Please visit Discover.com/cardbenefits and login for additional details of this Benefit. For more information about how interest charges are calculated see your Cardmember Agreement or go to www.discover.com/interestcharges NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Availability of FICO' Credit Score As an adive cardmember, you may see your FICO° Credit Score on your monthly statement or online. Reasons why you may not see your FICO° Credit Score include: if you have a ioint account; if you opt out; if you have key information that is mismatched or missing, as one example, an address change that has not been updated with Discover or TransUnion; if your credit history is too new; if your account status is abandoned, bankrupt, fraud, lost or stolen, closed, revoked, or charged off; if you have a foreign address; or if you have no account activity such as no purchase transactions, fees, interest, or payments for approximately 30 days. JANET M BUDERUS Account number ending in 2971 Open Date: Apr 27, 201 6- Close Date: May 26, 201 6 P0994 of 6 Information For You Continued FICO° Credit Score Terms Your FICO” Credit Score and key factors are based on data from TransUnion and mav be different from other credit scores. This information is intended for Exceptional 800 - B50 Very Dependable 740-799 Good 670- 739 Below Average 580-669 Very Risky 3" 300 - 579 ; Discover‘ More° Cord Accounl number ending in 2971 Open Date: Apr 27, 201 6- Close Duie: May 26, 2016 Cardmember Since 2002 Page 5 of 6 W 06/15 07/15 08/15 09/15 10/15 11/15 12/15 01/16 02/16 03/16 04/16 05/16 Important Information: - We may n01 always receive a score for you each month so there may be months with no scores. - For questions on the availability of your score go to the "information For You“ section of the document. Log into Discover.com/FICO to see key factors impacting all your scores. What your FlCO° Credit Score means to lenders 300 - 579 580 - 669 670 - 739 740 - 799 800 ~ 850 Indication oi Some lender: will Scores 'n this average Indication of a Indication of a very rislry approve borrowers U5. rangem very dependable an exceptional borrower with this score comidend good borrower borrower See FlCO' Credit Score Terms on the 'lnformation For You' section of the statement. 201 5 Discover Bank, Member FDIC CODE_$UM_01 15 K JANET M BUDERUS Account number ending in 297] Open Date: Apr 27, 201 6- Close Dale: May 26, 2016 Page 6 of 6 IIIU TUIIUIIY I‘I’l‘ UI II .‘470 Vulluule. New Balance $18,928.98 . . . . .Mummum Payment Warning: If you make only the mlmmum payment each See Interesi Charge Calculation section following the period, you will pay more in interest and if will take you longer to pay off your Transactions section for detailed APR information balance. For example: Credit Line $19,100 4f ‘gahi‘f’a 7,‘ ~ ’ ; in”; 9E," 3", '17 1E6? g:Credit Line Available $1 7] ' 'f 3}. V mgnu’g': 3,“; j " 7,; 'hi _ {if Cash Advance Credil Line $3,400 the minimum payment 27 years $40,005 Cash Advance Credit Line Available $1 7i $633 3 Years (savinzgg'zglzzn You may be able lo avoid interest on Purchases. see reverse for details. If you would like information about credit counseling services, call 1-800-347-1 121 . FICQ REWARDS o Anniversary Month- { Cashback Bonus OdoberA - n1 . f DISCQVER Discover” More” Cord Account number ending in 2971 Open Date: Mar 27, 201 6- Close Date: Apr 26, 201 6 Cardmember Since 2002 Page l of 6 - Your FICO' Credit Score on 4/20/1 6. r Openingalance 5 ' '1 l .UZ momma: New Cashback Bonus This Period o - - Everywhere Else + $ 1.87Track recent scores on your FlCO page in this statement. Redeemed This Period _ s 0.00 _ Cashback Bonus Balance $ 22.89Please see "once 0f Changes To learn more, log in at Discover.com to Your Payment Address Make Check payable to Discover. Please told on the perforation below, detach and return with your payment. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMAT'ON Payment Coupon 9 Pay Online e Pay by PhonePlease do not fold, clip or staple. Discover.com 1-800-347-2683 JANET M BUDERUS . ‘1' 21 O3 S GARFIELD AVE LOVELAND CO 80537-7337 PO BOX 79021 3 ST. LOUIS, MO 63179-0213 Phone and Internet payments must be received by 5PM ET to be credited as of the some day. Address, e-mail or telephone changed? Note changes on reverse side. m Fun-amou- ua mu unwuuvun. uvuu nun-mun, um uuualul "In uc Iv: Inc ullluunl of the check. When we use information from your check Io make an eledronic fund transfer, funds may be withdrawn from our uccquni as soonas the some day we receive your payment, and you wilrnot receive yourcheck back from your nanCIal institution. The processing of your payment may be delayed if you send cash, corres- pondence or other items with your payments, if ou send the payment to any other address, or if you use an envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that d . Payments received at our processing facility after 5PM local time will be cr ited to your Account as of the next da . If you have misplaced your envelope, send your payment to Discover, PO ox 6103, Carol Stream, IL 601 97-6103. Please allow 7-10 days for delivery. If your payment is returned un aid, we reserve the right to resubmit it as an electronic debit. Payments maJe online or by phone will be credited as of the day of receipt if made by 5 PM Eastern time. You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service re resentative by calling 1-800-347-2683. Automatic po ments for the bi ling period shown on your statement will be deducted on t e Payment Due Date shown on that datamnnt Ar 0kg nevi nuntnmntir navy-nan. Ante rA‘arraA On an nun-w «hunmmnt JANET M BUDERUS Account number ending in 297i Important Information See your CardmemberAgreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately! Call 1-800-347-2683. What o o If You Think You Find A Mistake Qn Your Statement If you t In there is an error on your statement, wnte to us at: Discover, PO Box 30421 , Salt Lake City, UT 841 30-0421 . You must write to us within 60 days after the error ap ored on your statement. You may call us, but if you do we are not require to investi ate any potential errors, and you may have to ay the amount in question. Tate Billing Rights Notice further explains your n9 tslweeemvwerdmmbsr Awesmenw test... ,w. ..u.e...=..., unless you re uest a recurring pa ment date (e. ., the 15'“ day of the month) that occurs bgfore your Payment Due Date or CFose Date. If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4) digits of the social security number of the primary borrower. By providing those numbers as our electronic si nature, ou will be agreeing to this authorization to aliow us and your nk to educt each payment you authorize, in the amount selected b you, from your bank account. You also authorize us to initiate debit or cre it entries to your bank account, as applicable, to correct an error in the processin of such payment. You can cancel a scheduled payment by phone at 1-808-347-2683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 841 30-0421 ; payment cancellations must be received before 5 PM ET of the scheduled withdrawal date. If your payments may vary in amount, we will tell ou on each monthly billing statement when your payment will be made and ow much it will be. CHANGE OF ADDRESS Monthly on the D Payment Due Date D Close Date D Day of month (insert date) Credit Reporting.We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. if you believe that our report is inaccurate or incomplete, please write us at this address: Discover, PO Box 15316,Wilmington, DE 19850-531 6.Pleose include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will not charge you any interest on Purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Date or the first day of the billing period in which the transaction posted to your Account. HowWe Calculate Interest Charges. We Use the Dai Balance Method (including current transactions) to calculate the Balance ubiect to Interest probe I II a-l 1 OnFar :n‘nv-nntion n Open Date: Mar 27, 201 6- Close Date: Apr 26, 2016 Page2 of 6 You must ensure that sufcient funds are available in your bank account, and all transactions must comply with U.$. law. You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) Ot er dollar amount. If your scheduled "Other dollaramount" payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. If your scheduled payment is reater than the New Balance on your billing statement, that “um. Iv: It nuvluluuou, pIWou‘Luu u; Lu I-Ovv-a‘ol'tuod. Balance Sub'ect to Interest Rate. our statement shows a Balance Subiectto Interest Ra e. It shows this for eac transaction ca egory. h_e Balarl. Subjegl to Interest Rate Is the average of the dally ba ances during the I |Ing perlo . Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billin statement. A credit balance is money that is owed to you. You may make c arges against this amount if our Account is open. We will send you a refund of any remainin balance oz$1 .00 or more after 6 months, or as otherwise required by app Icoble law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Balance Transfe . Balance Transfers are offer d at our discretion an_daccrue Interest att e standard purchase rate un ess we tell you otherwnse. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® card is issued by Discover Bank, Member FDIC. TL2a-24N.o215 F N If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Street Address Home Phone' Work Phone City Email State, Zip C To make changes to your address, email or telephone number, visit Discover.com Continued on next page . .....-... ...... -.-_.._ ..,... . n... . "u...“w. ”nun..." - n uuux .vu a Services Apr 19 Apr 19 FSI‘XCEL ENERGY PMTS 800-895-4999 CO $ 186.94 471 393481 74 Balanco Transfers Apr 5 Apr 5 BALANCE TRANSFER CHECK 0382 USA $ 3,500.00 APR 0.00% EXPIRES 01/20] 7 Fees Apr 5 Apr 5 BAL TRANS FEE $ 105.00 TOTAL FEES FOR THIS PERIOD 105.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 170.02 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 170.02 201 6 Totals Year-to-Dute DISCQVER Discover° More° Cord Account number ending in 2971 Open Date: Mar 27, 201 6 - Close Date: Apr 26, 201 6 Page 3 of 6 I A web Mobile 1‘ phone Imus", Man W TOTAL FEES CHARGED IN 2016 5 105.00 TOTAL INTEREST CHARGED IN 2016 s 657.20 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Periodz31 days ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchases 02/04/2016 and after 12.24% V $346.03 $3.60 02/03/2016 and prior 13.24% V $9,585.11 $107.77 Expired Promotional Purchases Promotional Purchases 13.24% V $5,215.62 $58.65 Cash Advances 24.24% V $0.00 $0.00 Balance Transfers 0.00% $2,558.38 $0.00 V=Variable Rate Information For You For more information about how interest charges are calculated see your Cardmember Agreement or go to www.discover.com/interestcharges NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION u. I--. n. um. Availability of FICO° Credit Score As an active curdmember, you may see your FICO° Credit Score on your monthly sialement or online. Reasons why you may not see your FICO° Credil Score include: if you have a joint account; if you opt out; if you have key information that is mismatched or missing, as one example, an address change that has not been updated with Discover or TransUnion; if your credit history is too new; if your account status is abandoned, bankrupt, fraud, lost or stolen, closed, revoked, or charged off; if you have a foreign address; or if you have no account activity such us no purchase transactions, fees, interest, or payments for approximately 30 days. Notice of Changes to Your Payment Address Your payment address was changed to the address shown on your payment coupon at the bottom of page one. You should update your online banking information with your bank to include this new address. More from Discover JANET M BUDERUS Account number ending in 2971 Open Date: Mar 27, 20] 6- Close Date: Apr 26, 201 6 Page4 of 6 Information For You Continued FICO° Credit Score Terms u r-nAm A n. .- il r . I i I . r I I I i I I." . I- .I Now for a limited time you can get a $25 Applebee's° gift card for only $20 Cashback Bonus. Don't let this one pass you by. Offer ends June 30, 201 6. Visit Discover.com/extravalue Exceptional 800 - 850 Very Dependable 740-799 Good 670-739 Below Average 580-669 Very Risky 300 - 579 DISCOVER Discover” More° CardAccount number ending in 2971 Open Date: Mar 27, 20] 6- Close Date: Apr 26, 2016 Cardmember Since 2002 Page 5 of 6 W 05/15 06/15 07/15 03/15 09/15 10/15 11/15 12/15 01/16 02/16 03/16 04/16 Important Information: - We may not always receive a score for you each month so there may be months with no scores. - For questions on the availability of your score go to the “Information For You“ section of the document. Log into Discover.com/FICO to see key factors impacting all your scores. What your FICO° Credit Score means to lenders 300 - 579 580 - 669 670 - 739 740 - 799 800 ' 850 Indication at Some lenders will Scam in this averag- lndioation ot a indication of a vary risky approve borrowers U5. range an very dependable an exceptional borrower with this score considered good borrower borrower See FICO° Credit Score Terms on the 'Intonnation For You' section of the statement. o 2015 Discover Bank, Member FDIC i cooe_su~\_01 15 JANET M BUDERUS Account number ending in 2971 Open Date: Mar 27, 201 6- Close Date: Apr 26, 201 6 Page 6 of 6 ' me Fenulty AFK 01 I [14% VOI’IOble. New Balance $1 5,273.02 . . . . .Minimum Payment Warning: If you make only the minimum payment each See Interest Charge Calculation sedion following the period, you will pay more in interest and it will take you longer to pay off your Transadions sedion for delailed APR information Credit Line $ l 9,1 00 g“ Credit Line Available $3,826 #32; x x k Cosh Advance Credit Line $3,400 Only the minimum oayment 532,38 . . . $51 6 3 years $1 8,580Cash Advance Credit Line Available $3,400 (Savings: $1 3,802) You may be able to avoid interest on Purchases. see reverse for details. If you would like information about credit counseling services, call 1-800-3474 121 .k f F|co_ REWARDS cashback Bonuso Anniversary Month 1October DISC®VER Discover” More° CardAccount number ending in 297i Open Date: Feb 27, 201 6- Close Date: Mar 26, 2016 Cardmember Since 2002 Page i of 8 ACCOUNT SUMMARY PAYMENT INFORMATIO ’- Your Ficoo Credit score on 3/20/1 6. Opening Balance - s 16.41 WWW New Cashback Bonus This Period Track recent scores on your FICO' page in this statement. Reggmgeiflgod 'l: g 88; Cashback Bonus Balance S 21 .02 To learn more, log in at Discover.coma Please see Notice of Changes to Your Payment Address Make Check payable to Discover. Please fold on the pertoration below, detach and return with your payment. Payment Coupon 9 Pay Online G Pay by PhonePlease do not fold, clip or staple. Discover.com l-800347-2683 Ill"-I-IIlIIIII-I'I'll-IIII'III-"l"l-"|-llI-I'l-ll'l'I-lilll' JANET M BUDERus g NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION 2103 S GARFIELD AVE LOVELAND CO 80537-7337 PO BOX 7902i 3 ST. LOUIS, MO 631 79-0213 Phone and Internet payments must be received by 5PM ET to be credited as of the some day. Address, e-mail or telephone changed? Note changes on reverse side. .. .... .m. m: .v. um muw... ofrt'he check. When we use information fyom your check to make an eledronic fund transfer, funds may be wrthdrown from our accqunt as soonas the same day we receive your pgyment, and you WII not receive yourcheck back from your nancral msMquon. The processing of your payment may be delayed if you send cash, corres- pondence or other items with your payments, if you send the payment to any other address, or if you use on envelope othert an the one provided. Payments received in proper form ot our processing facility by 5PM local time on any day witl be credited to your Account as of that d . Payments received at our processing facility after 5PM local time will be cre ited to your Account as of the next da . If you have mis laced your envelope, send your payment to Discover, PO ox 61 03, Carol tream, lL 601 97-6103. Please allow 7-1 O days for delivery. If your payment is returned urroid, we reserve the right to resubmit it as an electronic debit. Payments ma e online or by phone will be credited as of the day of receipt if made by 5 PM Eastern time. You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service re resentative by calling 1-800-347-2683. Automatic pa ments for the bi ling period shown on your statement will be deducted on t e Payment Due Date shown on that «mama-.0 m elm new munmnoir mum“... Anon “Lanna 9n mm JANET M BUDERUS Account number ending in 297i Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately! Call 1-800-347-2683. What To e If You Think You Find A Mistake Qn Your Statement If you thIn there is an error on your statement, wnte to us at: Discover, PO Box 3042i , Salt Lake City, UT 841 30-0421 . You must write to us within 60 days after the error ap eared on your statement. You may call us, but if you do we are not requir to investi ale any potential errors, and you may have to y the amount in question. T e Billing Rights Notice further explains your Lie multimeaeemvcggrdmerqhsmemmenmr.met.“ ,w. unless you re uest a recurring paBment date (e.p., the 15'“ day of the month) that occurs bgfore your Payment u Date or C ose Date. If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4) digits of the social security number of the primary borrower. By providing those numbers as our electronic si nature, ou will be agreeing to this authorization to aliow us and your ankto edud each payment you authorize, in the amount selected b you, from your bank account. You also authorize us to initiate debit or cre it entries to your bank account, as applicable, to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1-800-347-2683 or by mail at Discover, PO Box 30421 , Salt Lake City, UT 841 30-0421 ;payment cancellations must be received before 5 PM ET of the scheduled withdrawal date. lf your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be. CHANGE OF ADDRESS Monthly on the D Payment Due Date U Close Date D Day of month (insert date) Credit Reporting.We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at this address: Discover, PO Box 1531 6,Wilmington, DE 19850-531 6. Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will not charge you any interest on Purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Date or the rst day of the billing period in which the transaction posted to your Account. HowWe Calculate Interest Charges. We Use the Dail Balance Method (including current transactions) to calculate the Balance ubiect to Interestoars Fm armamen- Mu ... ”o 1 onn on mun Open Date: Feb 27, 201 6- Close Date: Mar 26, 201 6 Page2 of 8 You must ensure that sufcient funds are available in your bank account, and all transactions must comply with U.S. law. You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) Ot er dollar amount. If your scheduled "Other dollaramount" payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. If your scheduled payment is greater than the New Balance on your billing statement, that “um. I v‘u I1 re nuulluuru‘ln, plduoc'uun va ur I-dvv-u-tl-LWJ. Balance Sub'ect to Interest Rate. Your statement shows a B lance Subjectto Interest Ra e. It shows this for each transaction category. re Balance. Sublest to Interest Rate is the average of the daily balances during the billing perio . Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if our Account is open. We will se'nd you a refund of any remainin balance o $1 .00 or more after 6 months, or as otherwise required by app icable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Balance Transfers; Balance Transfrs are offered at our discretion an_daccrue Interest att e standard purc ase rate un ess we tell you otherWise. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® card is issued by Discover Bank, Member FDIC. TL23.24N.0215 K If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Street Address Home Phone Work Phone City Email State, Zip J To make changes to your address, email or telephone number, visit Discover.com Continued on next page ruymenls unu mar I/ mar I/ rnUN: rfumtl‘u - II'IANK VUU b -bUU.UU Merchandise Mar 5 Mar 5 8006855781TRYP1 99EYE BOO-6855781 NJ S 6.96 Mar 23 Mar 23 CHAMONIX 800-754-621 'l NJ 189.90 Restaurams Mar 16 Mar 16 SQ ‘INTAJUICE - LOVELA LOVELAND CO $ 6.87 0001 152921 5071 67003947 Services Feb 28 Feb 28 FANTASTIC SAMS LOVELAND CO $ 82.96 Supermarkets Mar 8 Mar 8 1-844-646-1 349 TMM 844-6461349 CAN $ 173.90 Fees TOTAL FEES FOR THIS PERIOD 5 0.00 Interest Charged INTEREST CHARGE ON PURCHASES S 160.37 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 160.37 DISCVER Discover” More° CordAccount number ending in 2971 Open Date: Feb 27, 2016 - Close Date: Mar 26, 201 6 Page 3 of 8 CONTACT US r uI-L A u-L:I- nL--- n..-..:_. u_:ln._ \ 201 6 Totals Year-to-Date TOTAL FEES CHARGED IN 2016 3 0.00 TOTAL INTEREST CHARGED IN 2016 $ 487.18 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period29 days ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchases 02/04/2016 and after 12.24% V $51 6.75 $5.04 02/03/2016 and prior 13.24% V $9,571 .1 1 $100.67 Expired Promotional Purchases Promotional Purchases 13.24% V $5,197.41 $54.66 Cash Advances 24.24% V $0.00 $0.00 V=Variable Rate Information For You For more information about how interest charges are calculated see your Cardmember Agreement or go to www.discover.comnterestcharges NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Availability of FICO° Credit Score As an udive cardmember, you may see your FICO” Credit Score on your monthly statement or online. Reasons why you may not see your FICO” Credit Score include: ifyou hove o ioint account; if you opt out; if you have key information that is mismatched or missing, as one example, an address change that has not been updated with Discover or TransUnion; if your credit history is too new; if your account status is abandoned, bankrupt, fraud, lost or stolen, closed, revoked, or charged off; if you have a foreign address; or if you have no account activity such as no purchase transactions, fees, interest, or payments for approximately 30 days. Notice ot Changes to Your Payment Address Your payment address was changed to the address shown on your payment coupon at the bottom of page one. You should update your online banking information with your bank to include this new address. JANET M BUDERUS Account number ending in 297i Open Date: Feb 27, 2016- Close Date: Mar 26, 201 6 Page 4 of 8 Information For You Continued FICO° Credit Score Terms Your FlCOo Credil Score and kev factors are based on dnin from Trnnsllninn nnrl mnv he (liprgnt frnm ntl-mr rrndit ernrn: Tlnie infnrmntinn ie intended Far - Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us: - Within 60 days after the error appeared on your statement. - By 5:00 P.M. ET. on the date of your scheduled automated payment withdrawal if you want to cancel or modify your payment. You must notify us of any potential errors in writing. You may call us, but it you do we are not necessarily required to investigate any potential errors and you may have to pay the amount in question. What Will Happen After We Receive Your Letter When we receive your letter, we must do two things: l. Within 30 days of receiving your letter, we must tell you in writing that we received your letter. We will olso tell you if we have already corrected the error. 2. Within 90 days of receiving your letter, we must either correct the error and notify you in writing of the correction or explain to you in writing why we believe the bill is correct. Page 5 of DISC VER Your Billing Rights: Keep This Document For Future Use This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. What To Do If You Find A Mistake On Your Statement lf you think there is on error on your statement, write to us at: mime/We mvesngme wnerner or nor mere nas been an error: - We cannot try to collect the amount and related interest in question or report you as delinquent on that amount. - The charge in question may continue to appear on your statement. - While you do not have to pay the amount in question, you are responsible for the remainder oi your balance. ' We can apply any unpaid amount against your credit limit. After we finish our investigation, one of two things will happen: ' If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. - If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent it you do not pay the amount we think you owe. If you receive our explanation but still believe your bill is wrong, you must write to us within 'lO days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you in writing the name ot anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us. It we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even it your bill is correct. Your Rights If You Are Dissatisfied With Your Credit Card Purchases lf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: l. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services, or if the company that sold you the goods or services owns us.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. lf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Discover PO Box 30945 Salt Lake City, UT 841 30-0945 While we investigate, the some rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe on amount and you do not pay, we may report you as delinquent. Very Dependable 740-799 Good 670-739 Below Average 580-669 Very Risky “ 300 - 579 04/15 05/15 06/15 07/15 08/15 09/15 10/15 11/15 12/15 01/16 02/16 03/16 JANET M BUDERUS Account number ending in 2971 Open Date: Feb 27, 201 6- Close Date: Mar 26, 2016 Page 6 of 8 Important lnformaiion: - We may not always receive a score for you each month so there may be months with no scores. - For questions on the ovoilobitity of your score go to the "Information For You“ section of the document. Log into Discover.com/FICO to see key factors impacting all your scores. What your FlCO° Credit Score means to lenders 300 579 580 - 669 670 - 739 740 - 799 800 - 850 Indication ot Some lender: will Scores in this average Indication of o lndicotion of a very risky approve borrowers U5. rangem very dependable an exceptiond borrower with this score comidend good borrower borrower See FICO° Credit Score Terms on the 'lnformation For You' section ot the statement. 2015 Discover Bank, Member FDIC CODE_$UM_01 15 k J Irunsters For checks that do not receive {he promo APR, the standard APR for cosh advances will apply, currently 24.24%. This APR will vary with the market based on the Prime Rate. Use By Date This check must post to your account by 05/1 7/201 6 for the promo APR to apply. If the check posts after 05/1 7/201 6, we may still honor this check, but you will not receive the promo APR. Instead the standard APR for cash advances will apply. This APR will vary with the market based on the PrimeRate. Fees 3% of the amount of each transfer if the transfer posts to your account from 03/23/201 6 to 05/1 7/201 6. If the check posts after 05/1 7/201 6, the standard cash advance fee of either $10 or 5% of the amount of each transaction, whichever is greater, will apply, as well as the standard cash advance APR. Paying Interest We will begin charging interest on this check as of the later of the transaction date or the first day of the billing period in which the transfer posts to your account. DISC VER Discover’ More” Card' Account number ending in 2971 Open Date: Feb 27, 201 6 - Close Date: Mar 26, 201 6 Page 7 of 8 Transfer higher-rate balances to your Discover card and enioy a low promo rate. . m3 It you pay late, we may (i) terminate the availability of this promotional rate for new transactions, and (ii) increase your APRs tor new purchases and balance transfers to variable Penalty APRs. We may decline this check if your Account is not in good standing or has insufcient credit available at the time this check is presented for payment. To check credit availability or transfer a balance, visit Discover.com/balancetransfer or call 1-800-767-7339. The use of this check will cause your Account to be charged for the amount of this check plus any applicable fees. Variable rates are based on the Prime Rate in effect as of the last business day of the previous month. Minimum Interest Charge: $0.50. See back for additional Important Information. E . 2.103sGARFIEIoAVE ;}-- _T LOVELANDc‘o8053],,7337- balances with lower APRs us of the date we credit your payment The minimum payment requirement can cause promotional balances to be paid in full before the end of the promotional period. Can I avoid interest on purchases it l transfera balance? You can avoid interest on new purchases you make if you pay your entire balance in full each month. This means that, unless your purchase APR is at a 0%, you will pay interest on new purchases if you do not pay the balances you transfer under this offer in full by the first payment due date. See your Cardmember Agreement for details. >0 Are there any other limitations or detailsl should know about this balance transfer offer? Yes. If your account is past due, overlimit, or in default for any other reason stated in your Cardmember Agreement, we may decline to authorize a balance transfer check when it is presented for payment. Furthermore, if your account is in default you may not be able to take advantage of this offer by phone or online. If you use a balance transfer check in other than paper form, we will treat the transaction as a cash advance and your standard Cash advance APR and fee will apply. For example, if you provide the routing number and account number shown on the check to a payee instead of writing the check to the payee, it will be processed as o cash advance. lf your account is currently enrolled in a special program or is placed into one during the term of the offer, you will receive the benefit of the lower rate while the special program is in effect. This includes, if applicable , any lower rates as authorized under the Servicemembers Civil Relief Act. >0 JANET M BUDERUS Account number ending in 2971 Open Date: Feb 27, 201 6- Close Date: Mar 26, 201 6 P_age8 of 8 IMPORTANT INFORMATION ABOUT BALANCE TRANSFERS Do l earn rewards on balance transfers? Balance transfers do not earn rewards. Can l use a balance transfer to pay another Discover® account? No, you may not use a balance transfer to pay any Discover accounts. O >D >0 How can I calculate mv savinas an interest? SH BH BS H O G N E 39 H N G IT ‘L LE IS N I M D N VN H 30 1 G BA H BS BU 'S N l'l Sl l'l lM 01 33 N O B H O W 15 'B 'd M lO l‘l 00 " the Penalty AFN O? |/.24‘h varlable. New Balance $1 5,1 52.06 . . . . .Minimum Payment Warning: If you make only the minimum payment each See Interest Charge Calculation sedion following 1he period, you will pay more in inferesl and i1 will lake you longer lo pay off your Transacons section for detailed APR information balance. For example: Credit Line $19,100 0 >0 balances wiih lower APRs us ot Ihe dole we credit your payment The minimum payment requirement can cause promoonal balances to be paid in full before the end of the promotional period. Can l avoid interest on purchasesif I transfer a balance? You can avoid interest on new purchases you make if you pay your entire balance in full each month. This means that, unless your purchase APR is at a 0%, you will pay interest on new purchases if you do not pay the balances you transfer under this offer in full by the first payment due date. See your Cardmember Agreement for details. Are there any other limitations or details l should know about this balance transfer offer? Yes. If your account is past due, overlimit, or in default for any other reason stated in your Cardmember Agreement, we may decline to authorize a balance transfer check when it is presented for payment. Furthermore, if your account is in default you may not be able to take advantage of this offer by phone or online. If you use a balance transfer check in other than paper form, we will treat the transaction as a cash advance and your standard Cash advance APR and fee will apply. For example, if you provide the routing number and account number shown on the check to a payee instead of writing the check to the payee, it will be processed as a cash advance. If your account is currently enrolled in a special program or is placed into one during the term of the offer, you will receive the benefit of the lower rate while the special program is in effect. This includes, if applicable , any lower rates as authorized under the Servicemembers Civil Relief Act. JANET M BUDERUS Account number ending in 2971 Open Date: .lan 27, 201 6 - Close Date: Feb 26, 201 6 FageB of 8 IMPORTANT INFORMATION ABOUT BALANCE TRANSFERS O >O >0 Do I earn rewards on balance transfers? Balance transfers do not earn rewards. Can I use a balance transfer to pay another Discover® account? No, you may not use a balance transfer to pay any Discover accounts. How can I calculate my savings on interest? SH BH H SH O O N B 39 0 N O Im lU SN tW D N VN H IO :( BA YE R 'Q N I'I Si H J. .M O 'E E N 91 5 H O 5W 5 '3 1! !!“ lO N CG $14,891 .33New Balance See Interest Charge Calculation section following lhe Transadions section for detailed APR information Credit Line $ 1 9, 'l 00 Credit Line Available $4,208 Cash Advance Credit Line $3,400 Cash Advance Credit Line Available $3,400 You may be able to avoid interest on Purchases. the Penalty APR of 18.24% variable. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: vvvvv 25 years 3 years $l 8,1 25 (Savings= $1 3,404) $503 lf you would like information about credit counseling services, call 'l-800-347-l 121 . r See reverse for details. FICO. REWARDS- i Disc VER' ACCOUNT SUMMARY - Your FICO° Credit Score on 1/20/1 6. Track recent scores on your FICO° page in this statement. Make Check payableto Discover. Please fold on the perforation below, detach and return with your payment. Anniversary MonthCashback Bonus° October Discover“ More” Cord Account number ending in 2971 Open Date: Dec 27, 2015- Close Date: Jan 26, 2016 Cardmember Since 2002 Page 1 of 6 PAYMENT INFORMATION Opening Balance $ 9.1 7 New Cashback Bonus This Period Everywhere Else + $ 5.26 Redeemed This Period - $ 0.00 Cashback Bonus Balance $ 14.43 To learn more, log in at Discover.com NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Pay Online Discover.com Payment Coupon Please do not told, clip or staple.[ 9 IlllllllllllllllllllllllIIIllllmllllhllIlllullllIllllllmlll JANET M BUDERUS %2103 S GARFIELD AVE LOVELAND CO 80537-7337 Phone and Internet payments must be received by 5PM ET to be credited as ot the some day. Address, e-mail or telephone changed? Note changes on reverse side. Pay by Phone I~800~347-2683 l PO BOX 29033 PHOENIX AZ 85038-9033 ... ..- ... _._-..-...__ ..'.........., .... ..... -...W...of the check. When we use mformahon fg'om your check 10 make aneledronic fund transfer, funds may be w rown from our accqum as soonas the some day we recere youy pgyment, and you wul n01 receive yourcheck back from your financtal msMuhon. The processing of your payment may be delayed if you send cash, corres- pondence or other items with your payments, if ou send the payment to any other address, or if ou use an envelope other than the one provided. Payments received in proper form at our processing taci|ity by 5PM local time on any day will be credited to your Account as of that daJ. Payments received at our processing facility after 5PM local time will be cre ited to your Account as of the next da . If ou have mis laced your envelope, send your payment to Discover, PO ox 103, Carol tream, IL 601 97-61 03. Please allow 7-10 days for delivery. If your payment is returned un aid, we reserve the right to resubmit it as an electronic debit. Payments maJe online or by phone will be credited as of the day of receipt if made by 5 PM Eastern time. You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service re resentative by calling 1-800-347-2683. Automatic pa ments for the bi ling period shown on your statement will be deducted on t e Payment Due Date shown on that etntemant or the navt mitnmntir mvmant r'lntn rnfnrrnrl tn nn vnur ctntamnnt JANET M BUDERUS Account number ending in 297i Important Information See your CardmemberAgreement. Your Cardmember Agreement contains all the terms of your Account. lost or stolen cards. Report immediately! Call 1-800-347-2683. What o Do If You Think You Find A Mistake Qn Your Statement If yout ink there is an error on your statement, write to us at: Discover, PO Box 3042i , Salt Lake City, UT 841 30-0421 . You must write to us within 60 days after the error ap eared on your statement. You may call us, but if you do we are not requirefto investigate any potential errors, and you may have to oy the amount in question. The Billing Rights Notice further explains your zi9.J.s...-P.|.90.S.e.see.mucgerstmemhsmqresmnm not- -....-...-. unless you request a recurring p ment date (6.?” the 15'" day of the month) that occurs before your PaymentaDue Date or C ose Date. If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4) digits of the social security number of the primary borrower. By providing those numbers as our electronic signature, ou will be agreeing to this authorization to aliow us and your bank to educt each payment you authorize, in the amount selected b you, from your bank account. You also authorize us to initiate debit or cre it entries to your bank account, as applicable, to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1-800-347-2683 or by mail at Discover, PO Box 3042i , Salt Lake City, UT 841 30-0421 ; payment cancellations must be received before 5 PM ET of the scheduled withdrawal date. If your payments may vary in amount, we will tell ou on each monthly billing statement when your payment will be made and ow much it will be. CHANGE OF ADDRESS Monthly on the l] Payment Due Date UClose Date U Day of month (insert date) Credit Reporting.We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at this address: Discover, PO Box 1531 6,Wilmington, DE 19850-531 6. Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will not charge you any interest on Purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Date or the rst day of the billing period in which the transaction posted to your Account. HowWe Calculate Interest Charges. We Use the Dail Balance Method (including current transactions) to calculate the Balance ubiect to Interestpain Fm inrnmnomn "In"... mu no 1 .ann an Open Date: Dec 27, 201 5- Close Date: Jan 26, 201 6 Page2 of 6 You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. law. You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, Eii) statement Minimum Payment Due plus a xed dollar amount, or (iv) Ot er dollar amount. lf your scheduled "Other dollaramount“ payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. If your scheduled payment is reater than the New Balance on your billing statement, that mu... . a. .t e unwu-unon, p-Jums'euu u. Balance Sub'ect to Interest ate. our statement shows a Balance Subjectto Interest Ra e. It showsthis or eac transaction category. The Balance. SubJegt to Interest Rate Is the average of the daily balances during the billing perio . Credit Balances. It your Account has a credit balance, the amount is shown on the front of your billin statement. A credit balance is money that is owed to you. You may make c arges against this amount if our Account is open. We will send you a refund of any remainin balance o $1 .00 or more after 6 months, or as otherwise required by app icable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Balance Transfers. Balance Transfers are offered at our discretion andaccrue Interest at the standard purchase rate unless we tell you otherwrse. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® card is issued by Discover Bank, Member FDIC. TL23-24N.0215 r If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Street Address Horne Phone Work Phone City Email State, Zip J To make changes to your address, email or telephone number, visit Discover.com Continued on next page Jan 16 Jun 19 NGOA 636-922-9310 6369229310 MO -72.00 Jan 18 Jan 19 NGOA 636-922-9310 6369229310 MO - -56.00 Jan 18 Jan l9 NGOA 636-922-931 0 636922931 0 MO -2.00 Jan 20 Jan 20 PHONE PAYMENT - THANK YOU -258.00 Merchandise Jon 16 Jan 16 NGOA 636-922-931 0 314-669-1 685 MO $ 1 10.00 Jan 16 Jan 16 NGOA 636-922-931 0 31 4-669-1 685 MO 72.00 Jan 16 Jan 16 NGOA 636-922-9310 314-669-1685 MO 56.00 Jan 16 Jun 16 NGOA 636-922-931 O 314-669-1685 MO 20.00 Jan 17 Jan 17 STUBHUB, INC 866-788-2482 CA 297.50 Jan 1B Jan 18 STUBHUB, INC 866-788-2482 CA 681.26 Jan 24 Jan 24 A EAGLE OUT00020826041 LOVELAND CO 205.49 Supermarkels Jan 1 Jan 1 NUCIFIC 888-6795520 CA $ 240.00 I__ 1 u u nnn DISCQVER Discover° More“ Card Account number ending in 2971 Open Date: Dec 27, 2015 - Close Date: Jan 26, 201 6 Page 3 of 6 rA web % MObile Jan I Mm. 85093793320 CA A Immi" Mu" hymen" 392$ Jon 1 Jun 1 NUCIFIC 888-6795520 CA 135.00 Jan 1 Jan 1 NUCIFIC 888-6795520 CA 120.00 Depurimenl Store Dec 24 Dec 27 MACY‘S EAST #351 LOVELAND CO $ 32.00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 lnteresi Charged INTEREST CHARGE ON PURCHASES $ 157.63 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 157.63 201 6 Totals Year-to-Daie TOTAL FEES CHARGED IN 2016 s 0.00 TOTAL INTEREST CHARGED IN 2016 5 157.63_ _ Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interesi rate on your account. Current Billing Periodz31 days ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchasas 13.24% V $8,816.94 $99.14 Expired Promotional Purchases Promotional Purchases 13.24% V $5,202.18 $58.49 Cash Advances 24.24% V $0.00 $0.00 V=Variable Rate Information For You For more information about how interest charges are calculated see your Cardmember Agreement or go to www.discover.comnterestcharges NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION .. r.-____ ,__. .-..---.. .- .__... ...-._, Availability of FICO° Credit Score As an adive cardmember, you may see your FICOO Credit Score on your monthly slatemenl or online. Reasons why you may not see your FICO° Credit Score include: if you have a ioinl account; if you opt out; if you have key information that is mismatched or missing, as one example, an address change that has not been updated with Discover or TransUnion; if your credit history is too new; if your account status is abandoned, bankrupt, fraud, lost or stolen, closed, revoked, or charged off; if you have a foreign address; or if you have no account activity such as no purchase transactions, fees, interest, or payments for approximately 30 days. Discover Account Payments Discontinued at Sears Effective February l, 20] 6, cardmembers will no longer have the option to make any payments to their Discover account at Sears locations. You will continue to have the option to make payments online by visiting our website at Discover.com, by calling us at l-800-DISCOVER (1 -800-347-2683), or by mailing us a check. JANET M BUDERUS Account number ending in 297i Open Date: Dec 27, 201 5- Close Date: Jan 26, 2016 Page4 of 6 Information For You Continued FICO° Credit Score Terms v-... :Ia h_._I-.. e--... ._...I I... r. .n. .. _ ._ I....I . .I . i- -r I. u u I I." .u n. .4. . o .. . . . . .'. Exceponul 800 - 850 Very Dependable 740-799 Good 670-739 Below Average q 580-669 Very Risky I 300 - 579 - DISC§VER Discover° More” Cord Account number ending in 2971 Open Date: Dec 27, 2015- Close Date: Jun 26, 201 6 Cordmember Since 2002 Page 5 of 6 W 02/15 03/15 04/15 05/15 06/15 07/15 08/15 09/15 10/15 11/15 12/15 01/16 Important Information: - We may not always receive a score for you each month so there may be months with no scores. - For questions on the availability of your score go to the "Information For You" section of the document. Log into Discover.com/FICO to see key factors impacting all your scores. What your FICOG Credit Score means to lenders 300 - 579 580 - 669 670 - 739 740 - 799 800 - 850 Indication oi Some lenders will Seems in this average Indication oi a Indication of a very risky approve borrowers 1.1.5. rune are very dependable an exceptional borrower with this score considered good borrower borrower See FICO° Credit Score Terms on the 'lnfarmation For You' section of the statement. 2015 Discover Bank, Member FDIC CODE_SUM_01 15 k J JANET M BUDERUS Account number ending in 2971 Open Date: Dec 27, 2015- Close Daie: Jan 26, 201 6 Page 6 of 6 " the Penalty APK 0t I /.99% vuable. New Balance $1 2,888.45 . . . . .Mlnlmum Payment Warning: If you make only the minimum payment each See Interest Charge Calculation section following the period, you will pay more in interest and it will take you longer to pay off your Transactions section for detailed APR information balance. For example: Credit Line $19,] 00 _ m H _ _ _ Credit Line Available $6,2l l Cash Advance Credit Line $3,400 7 24 years (n L. A 1 bl $434 3 years $1 5,631Cash Advance Cre I Ine val a e $3,400 (savings: $10,921) You may be able to avoid interest on Purchases. . _ _ ‘ , , see reverse for dawns. If you would like Information about credlt counseling servnces, call 1-800-347-1 l2] .J' F|co ‘ REWARDS Anniversary Montho { Cashback Bonus October DISC®VER Discover” More“ CardAccount number ending in 2971 Open Date: Nov 27, 2015- Close Date: Dec 26, 2015 Cardmember Since 2002 Page 1 of 8 ACCOUNT SUMMARY PAYMENT INFORMATION -Your FIco credit Score on 12/20/1 5. ' Opening Balance $ 8.88 New Cashback Bonus This Period Track recent scores on your FICO° page in this statement. Re§::m:?:ifl::riod T: g 833 Cashback Bonus Balance $ 9.1 7 To learn more, log in at Discover.om Make Check payable to Discover. Please fold on the perforation below, detach and return with your payment. Payment Coupon 9 Pay Online e Pay by PhonePlease do not fold, clip or staple. Discover.com 1-800347-2683 I-Im'II'II'I"|"II'IIIII"I'IIIII'l-IIIII-IlI-III""Il'm"l JANET M BUDERus ' ‘” - 21 03 s GARFIELD AVE ‘ LOVELAND CO 80537-7337 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION PO BOX 29033 PHOENIX AZ 85038-9033 Phone and Internet payments must be recein by 5PM ET to be credited as otthe same day. Address, e-mail or telephone changed? Note changes on reverse side. is processed as an eledronic fund transfer, the ironsfer will be for the' ur'nount of the check. When we use information fyom your check to make an electronic fund transfer, funds may be Withdrawn frorn our occqun! as soonas the same day we receive your payment, and you wrl not receive your check back from your nancml institution. The processing of your payment may be delayed if you send cash, corres- pondence or oiher hems with your payments, if ou send Ihe payment to any other address, or if you use on envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that da . Payments received at our processing facility after 5PM local time will be creted to your Account as of the next do . If ou have mis laced your envelope, send your payment to Discover, PO ox 103, Carol tream, lL 601 97‘6103.Please allow 7'10 days for delivery. If your payment is returned un aid, we reserve the right to resubmit it as an electronic debit. Payments ma e online or by phone will be credited as of the day of receipt if made by 5 PM Eastern time. You can pay your monthly Minimum Payment Due, or a greater amount that oes not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service re resentative by calling 1-800-347-2683. Automatic pa ments for the bi ling period shown on your statement will be deducted ont e Payment Due Date shown on that JANET M BUDERUS Account number ending in 2971 Important Information See your CardmemberAgreement. Your Cordmember Agreement contains all the terms of your Account. Lost or stolen curds. Report immediatelyl Call 1-800-347-2683. What o o If You Think You Find A Mistake Qn Your Statement If yout in there is an error on your statement, write to us at: Discover, PO Box 30421 , Salt Lake City, UT 841 30-042] . You must write to us within 60 days after the error op eared on your statement. You may coll us, but if you do we are not require to investi ate any potential errors, and you may have to ay the amount in questioln. Ie Billing Rights Notice further explains your state'mei'i't, or the next automatic payment date r'eterred‘to on your statement, unless you request a recurring pa ment date (e. ., the 15'“ day of the month) that occurs before your Payment Bue Date or C?ose Date. If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4) digits of the social security number of the primary borrower. By providing those numbers as our electronic si nature, ou will be agreeing to this authorization to allow us and your ank to Jeduct each payment you authorize, in the amount selected b you, from your bank account. You also authorize us to initiate debit or cre it entries to your bank account, as applicable, to correct an error in the processin of such payment. You can cancel a scheduled a ment b phone at 1-80g-347-2683 or by mail at Discover, PO Box 3 4%] , Salt ake City, UT 84l 30-0421;payment cancellations must be received before 5 PM ET ofthe scheduled withdrawal date. If your payments may vary in amount, we will tell ou on each monthly billing statement when your paymentwill be made and ow much it will be. CHANGE OF ADDRESS aanK Account Jr i Monthly on the D Payment Due Date UClose Date D Day of month (insert date) Credit Reporting.We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at this address: Discover, PO Box 15316,Wilmington, DE 19850-5316.Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will not charge you any interest on Purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Date or the first day of the billing period in which the transaction posted to your Account. HowWe Calculate Interest Charges. We Use the Dail Balance Method [including current transactions)_to calculate the Balance ubiect to Interest Open Date: Nov 27, 2015 - Close Date: Dec 26, 201 5 Page2 of 8 You must ensure that sufcient funds are available in your bank account, and all transactions must comply with U.S. law. You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, gii) statement Minimum Payment Due plus a xed dollar amount, or (iv) Ot er dollar amount. If your scheduled "Other dollaramount" payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordane with yur Carldmember Agreelinent. If your sclLeduled ESL"? $r"n?6?§'fiér%$ii$en, 513:6; E’é‘li‘it‘s’gtvt‘i'étl’é-E‘ffé’é‘fm ' "' Balance Sub'ect to Interest Rate. Your statement shows a Balance Subiectto Interest Rafe. It shows this for each transaction ca:egory. e a ance SubIedct to Interest Rate is the average of the daily ba ances during the billing peno . Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billin statement. A credit balance is money that is owed to you. You may make c arges against this amount if our Account is open. We will send you a refund of any remainin balance o $1 .00 or more after 6 months, or as otherwise required by app icable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Balance Transfers. Balance Transfrs are offered at our discretion andaccrue Interest at the standard purc ase rate un ess we tel you otheMise. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® card is issued by Discover Bank, Member FDIC. Tt23-24N.0215 K W If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Street Address Home Phone Work Phone City Email State, Zip k To make changes to your address, email or telephone number, visit Discover.com Continued on next page Payments and Crediis Dec 21 Dec 2'l PHONE PAYMENT - THANK YOU $ -258.00 Travel/Entertainmenl Nov 30 Nov 30 RCI 31 7-805-8000 31 7-805-8000 IN S 1 19.00 Fees TOTAL FEES FOR THIS PERIOD 5 0.00 lnleresl Charged INTEREST CHARGE ON PURCHASES 5 138.93 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 138.93 201 5 Totals Year-to-Dute TOTAL FEES CHARGED IN 2015 3 0.00 TOTAL INTEREST CHARGED IN 2015 $ 575.26 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. DISCQVER Discover" More“ CardAccount number ending in 2971 Open Date: Nov 27, 201 5 - Close Date: Dec 26, 201 5 Page 3 of 8 Current Billing Periodz30 days ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchases 12.99% V $7,805.86 $83.35 Expired Promotional Purchases Promotional Purchases 12.99% V $5,205.35 $55.58 Cash Advances 23.99% V $0.00 $0.00 V=Variable Rate Information For You For more information about how interest charges are calculated see your Cardmember Agreement or go to www.discover.comfinterestcharges FICO° Credit Score Terms Your FICO° Credit Score and key factors are based on data from TransUnion and may be different from other credit scores. This information is intended for and only provided to Primary cardmembers who have an available score. See Discover.com/FICO about the availability of your score. Your score is provided on the statement for individual accounts and on Discover.com with key factors for individual and ioint accounts. You will see up to a year of recent scores starting when you become a cardmember. Discover and other lenders may use different inputs, such as a FICO° Credit Score, other credit scores and more information in credit decisions. This benet may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries. If you prefer not to receive your FICO° Credit Score on your statement, iust call us at 1-800-DISCOVER (I -800-347-2683). Please give us two billing cycles to process your request. To learn more, visit Discover.com Availability of FICO’ Credit Score As an active cardmember, you may see your FICO° Credit Score on your monthly statement or online. Reasons why you may not see your FICOP Credit Score include: it you have a ioint account; if you opt out; if you have key information that is mismatched or missing, as one example, an address change that has not been updated with Discover or TransUnion; if your credit history is too new; if your account status is abandoned, bankrupt, fraud, lost or stolen, closed, revoked, or charged off; if you have a foreign address; or if you have no account activity such as no purchase transactions, fees, interest, or payments for approximately 30 days. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION JANET M BUDERUS Account number ending in 2971 Open Date: Nov 27, 2015 - Close Date: Dec 26, 2015 P0964 of 8 Information For You Continued Discover Account Paymems Discontinued at Sears r" .- n-I a run-1 I I ~u I I .I .- . I . .n I .. .- .u Exceptional 800 - 850 Very Dependable 740-799 Good 670-739 Below Average 580-669 Very Risky 300 - 579 g: Discover” More” Cord Account number ending in 2971 Open Date: Nov 27, 2015- Close Date: Dec 26, 201 5 Cordmember Since 2002 Page 5 of 8 01/15 02/15 03/15 04/15 05/15 06/15 07/15 08/15 09/15 10/15 11/15 12/15 Important Information: - We may not always receive a score for you each month so there may be months with no scores. - For questions on the availability of your score go to the “Information For You" section of the document. Log into Discover.com/FICO to see key factors impacting all your scores. What your FICOQ Credit Score means to lenders 3m - 579 580 - 669 670 - 739 740 - 799 8m - 850 .457:- Indication oi Some lenders will Seem in this average indication at a Indication of a very risky approve borrowers U3. range are very dependable an exceptional borrower with this score considered good borrower borrower See FICO’ Credit Scare Terms on the 'lntormation For You' section of the statement. ® 2015 Discover Bank, Member FDIC CODE_SUM__01 15 k JANET M BUDERUS Account number ending in 2971 Open Date: Nov 27, 2015 - Close Date: Dec 26, 2015 Page 6 of 8 Transfers For checks that do not receive the promo APR, the standard APR for cash advances will apply, currently 23.99%. This APR will vary with the market based on the Prime Rate. Use By Date This check must post to your account by 01/26/201 6 for the promo APR and fee to apply. If the check posts after Ol /26/20l 6, we may still honor this check, but you will not receive the promo APR and fee. Instead the standard APR and fee for cash advances will apply. This APR will vary with the market based on the Prime Rate. Fees 3% of the amount of each transfer if the transfer posts to your account from 12/02/201 5 to 01/26/201 6. lf the check posts after 01/26/201 6, the standard cash advance fee of either $10 or 5% of the amount of each transaction, whichever is greater, will apply, as well as the standard cash advance APR. For other balance transfers, the standard balance transfer fee is either $10 or 5% of the amount of each transfer, whichever is greater. Paying Interest We will begin charging interest on this check as of the later of the transaction date or the first day of ' the billing period in which the transfer posts to your account. DS A H i u A I Disov°ore° Card Account number ending In 2971 Open Date: Nov 27, 2015 - Close Date: Dec 26, 2015 Page 7 of 8 Transfer higher-rate balances to your Discover card and enioy a low promo rate. WWWKWWMKi‘mi’iws’EJTWWMRWWz- 'immmmiy Rx? ’5 If you pay late, we may (i) terminate the availability of this promotional rate for new transactions, and (ii) increase your APRs for new purchases and balance transfers to variable Penalty APRs. We may decline this check if your Account is not in good standing or has insufficient credit available at the time this check is presented for payment. To check credit availability or transfer a balance, visit Discover.com/balancetransfer or call 1-800-767-7339. The use of this check will cause your Account to be charged for the amount of this check plus any applicable fees. Variable rates are based on the Prime Rate in effect as of the last business day of the previous month. Minimum Interest Charge: $0.50. See back for additional Important Information. I i03sGARFIELDAVE ovmrrp cososajJaa I \ _ I‘ 'w ' If : \ l .“ .\ _‘. \ '-\ .\' >0 >0 balances “21h lower APRs os'of the amé we credit youjr pa'yn'1ent. The minimum payment r'equirement can cause promotional balances to be paid in full before the end of the promotional period. Can I avoid interest on purchases if l transfer a balance? You can avoid interest on new purchases you make if you pay your entire balance in full each month. This means that, unless your purchase APR is at a 0%, you will pay interest on new purchases if you do not pay the balances you transfer under this offer in full by the first payment due date. See your Cardmember Agreement for details. Are there any other limitations or details l should know about this balance transfer offer? Yes. If your account is past due, overlimit, or in default for any other reason stated in your Cardmember Agreement, we may decline to authorize a balance transfer check when it is presented for payment. Furthermore, if your account is in default you may not be able to take advantage of this offer by phone or online. If you use a balance transfer check in other than paper form, we will treat the transaction as a cash advance and your standard Cash advance APR and fee will apply. For example, if you provide the routing number and account number shown on the check to a payee instead of writing the check to the payee, it will be processed as a cash advance. If your account is currently enrolled in a special program or is placed into one during the term of the otter, you will receive the benefit of the lower rate while the special program is in effect. This includes, if applicable , any lower rates as authorized under the Servicemembers Civil Relief Act. JANET M BUDERUS Account number ending in 297i Open Date: Nov 27, 2015 - Close Date: Dec 26, 201 5 Page8 of 8 IMPORTANT INFORMATION ABOUT BALANCE TRANSFERS Q A Q A J Do l earn rewards on balance transfers? Balance transfers do not earn rewards. Can l use a balance transfer to pay another Discover® account? No, you may not use a balance transfer to pay any Discover accounts. I1-..- l .u-I-uI-lu cu" «uni-au- €- 'J 'il . ’W n‘ l ‘r- l'é : , : . 33 3H BS H O O N B 7"? as n no um us n. m er m ai d 30 a aa m as au ‘a m Si m M 01 33 ne ts ao ar m s ‘a ua M LO N 00 New Balance $1 2,888.52 See Interest Charge Calculation section following the Transactions section for detailed APR information IIIU FHHUIIY MFR OI I/ .7770 VurluD|e. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: v gtie I W re_ - ' x‘r . , ”bugle" xii-gm- Ay - x' ‘s. Only the m_inimum payment 24 years $26,549 $434 3 years $1 5,632 (Savings: $10,917) If you would like information about credit counseling services, call 1~800-347-l 121 .J Credit Line $1 9, l 00 Credit Line Available $6,211 Cash Advance Credit Line $3,400 Cash Advance Credit Line Available $3,400 You may be able to avoid interest on Purchases. See reverse for details. J W FICO. REWARDS AnniversaryMonth OctoberCashback Bonus° - I DISC VER' Discover” More° CardAccount number ending in 2971 Open Date: Oct 27, 2015- Close Date: Nov 26, 2015 Cardmember Since 2002 Page l of 6 ACCOUNT SUMMARY PAYMENT INFORMATION -Your FICO° CreditScore on 11/20/15. U‘Pen'nQ-bménce 5 O T L _ ' _ L58 Winn-“In- New Cashback Bonus This Period . . Ev h El + 5 1 .30Track recent scores on your FICO° page In thIs statement. Redeeemdeis :zriod _ s o00 Cashback Bonus Balance 5 8.88 To learn more, log in at Discover.com Make Check payable to Discover. Please fold on the perforation below, detach and return with your payment. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Pay Online Discover.com[ Payment Coupon Please do not told, clip or staple. 9 G Pay by Phone1-800-347-2683 llllllIIIIIIIIIIIlullI"I"llllllllllllllllllllIIIIIIIIIIIIIIIIII JANEr M BUDERUS w2103 S GARFIELD AVE LOVELAND CO 80537-7337 Phone and Internet payments must be received by 5PM EI' to be credited as ot the same day. Address, e-mail or telephone changed? Note changes on reverse side. PO BOX 29033 PHOENIX AZ 85038-9033 .. u. m. M... n... w w. muwu. of the check. When we use information from your check to make an eledronic fund transfer, funds may be withdrawn from our account as soonas the same day we receive your payment, and you wul not receive yourcheck back from your nanctal institution. The processing of your payment may be delayed if you send cash, corres- pondence or other items with your payments, if ou send the payment to any other address, or if you use an envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that do . Payments received at our processing facility after 5PM local time will be cr ited to your Account as of the next do . If you have mis laced your envelope, send your payment to Discover, PO ox 6103, Carol tream, lL 601 976103. Please allow 7-10 days for delivery. lfyour payment is returned uTaid, we reserve the right to resubmit it as an electronic debit. Payments ma e online or by phone will be credited as of the day of receipt if made by 5 PM Eastern time. You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service re resentative by calling 1-800-347-2683. Automatic pa ments for the bi ling period shown on your statement will be deducted ont e Payment Due Date shown on that sonogram» m il-m new mum-nan» nmlmano Anon return”! in .mm JANET M BUDERUS Account number ending in 2971 Important Information See your CardmemberAgreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately! Call 1-800-347-2683. What To o If You Think You Find A Mistake Qn Your Statementf you thin there is an error on your statement, write to us at: Discover, PO Box 30421 , Salt Lake City, UT 841 30-0421 . You must write to us within 60 days after the error ap eared on your statement. You may call us, but if you do we are not require to investi ate any potential errors, and you may have to ay the amount in question. T e Billing Rights Notice further explains your no aweleqseaee mvcserdmemksr retirements! eat“, ,w. s.u.e...e..., unless you re uest a recurring paBment date (e.?., the 15'“ day of the month) that occurs bgfore your Payment u Date or C ose Date. If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4) digits of the social security number of the primary borrower. By providing those numbers as our electronic si nature, ou will be agreeing to this authorization to allow us and your ank to educt each payment you authorize, in the amount selected b you, from your bank account. You also authorize us to initiate debit or cre it entries to your bank account, as applicable, to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1-800-347-2683 or by mail at Discover, PO Box 30421 , Salt Lake City, UT 841 30-0421 ;payment cancellations must be received before 5 PM ET of the scheduled withdrawal date. If your payments may vary in amount, we will tell ou on each monthly billing statement when your payment will be made and ow much it will be. CHANGE OF ADDRESS Monthly on the U Payment Due Date DClose Date D Day of month (insert date) Credit Reporting.We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at this address: Discover, PO Box 1531 6,Wilmington, DE 19850-531 6.Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will not charge you any interest on Purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Date or the first day of the billing period in which the transaction posted to your Account. HowWe Calculate Interest Charges. We Use the Dai Balance Method (including current transactions) to calculate the Balance ubiect to Interest Duh-n Eru- mnvn :u‘n'mnuan n'annh an" na- nl I On Open Date: Oct 27, 2015- Close Date: Nov 26, 201 5 Page2 of 6 You must ensure that sufcient funds are available in your bank account, and all transactions must comply with U.S. law. You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (.ilii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) Ot er dollar amount. If your scheduled “Other dollar amount” payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. tf your scheduled payment is reater than the New Balance on your billing statement, thatnuiv. nun n re nuurnuuuou, piduev‘uall u; all I-ouu-oHl-LUDJ. Balance Sub'ect to Interest Rate. Your statement shows a Balance Subiectto Interest Ra e. lt showst Is for each transaction ca egory. Th_e Balanc Sublegt to Interest Rate Is the average of the daily ba-ances during the biTTing peno . Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billin statement. A credit balance is money that is owed to you. You may make charges against this amount if our Account is open. We will send you a refund of any remainin balance o $1 .00 or more after 6 months, or as otherwise required by app Icoble law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Balance Transfers. Balance Transfrs are offer d at our iscretion andaccrue Interest at the standard purc ase rate un ess we tel you otherwuse. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® card is issued by Discover Bank, Member FDlC. TL23-24N.0215 r N If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Street Address Home Phone Work Phone City Email State, Zip c To make changes to your address, email or telephone number, visit Discover.com Continued on next page u -n- ‘Iv-uo u “n u ‘vv Iv . n .v. u. u um... n u u u u ux u vu v Merchandise Nov 22 Nov 22 API‘SHOP.CURVATION.COM 270-781 -6400 WA S 53.94 OXJWQNYJ4I9 Nov 24 Nov 24 OSHKOSH #0047 LOVELAND CO 59.1 7 Nov 24 Nov 24 POLO/RL LOVELAND 164 LOVELAND CO 22.03 Departmen! Store Nov 18 Nov 18 MACY'S EAST #351 LOVELAND CO S 331 .97 Nov 23 Nov 23 MACY'S EAST #351 LOVELAND CO 56.14 Fees TOTAL FEES FOR THIS PERIOD 3 0.00 lnlerest Charged INTEREST CHARGE ON PURCHASES $ 138.74 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 138.74 DISC VER Discover” More” CardAcc'ouni number ending in 2971 Open Date: OcI 27, 2015 - Close Date: Nov 26, 201 5 Page 3 of 6 rA Webl A Mobile 1‘ Phone A Inauirv A Mail Pnvmenis x 201 5 Toto s Year-to-Dale TOTAL FEES CHARGED IN 201 5 $ 0.00 TOTAL INTEREST CHARGED IN 2015 $ 436.33- Interest Charge CalcuIaIion Your Annual Percentage Rate (APR) is the annual interest rote on your account. Current Billing Periodz31 days ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchases 12.99% V $7,378.58 $81.42 Expired Promotional Purchases Promotional Purchases 12.99% V $5,196.25 $57.32 Cash Advances 23.99% V $0.00 $0.00 =Variable Rate Information For You For more information about how interest charges are calculated see your Cardmember Agreement or go to www.discover.com/interestcharges NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION u I u Availability of FICO° Credii Score As an adive cardmember, you may see your FICOG Credit Score on your monthly statement or online. Reasons why you may not see your FICO” Credit Score include: if you hove a ioini account; if you opt out; if you have key information that is mismatched or missing, as one example, on address change that has not been updated with Discover or TransUnion; if your credit history is too new; if your account status is abandoned, bankrupt, fraud, lost or stolen, closed, revoked, or charged off; if you have a foreign address; or if you have no account activity such as no purchase transactions, fees, interest, or payments for approximately 30 days. Discover Account Payments Discontinued at Sears Effective February 1, 201 6, cardmembers will no longer have the option to make any payments to their Discover account at Sears locations. You will continue to have the option to make payments online by visiting our website at Discover.com, by calling us at l-800-DISCOVER (l -800-347-2683), or by mailing us a check. JANET M BUDERUS Account number ending in 2971 Open Date: Oct 27, 20] 5- Close Date: Nov 26, 2015 Page4 of 6 Information For You Continued FICO° Credit Score Terms v-..- :II‘AD r‘..-J:A c .l L-.. _-- L_-__l _._ 1..-... T__--I I-‘ J ....... L... J:Ll---..- -AL Ju ...... TL:. :_ :._ t. :--._J.J t. _ Exceptional 800 - 850 Very Dependable 740-799 Good 670-739 Below Average 580-669 Very Risky '- 3oo - 579 iv»; Discover“ More“ Cord Account number ending in 2971 Open Date: 0d 27, 2015- Close Date: Nov 26, 201 5 Curdmember Since 2002 Page 5 of 6 12/14 01/15 02/15 03/15 04/15 05/15 06/15 07/15 08/15 09/15 10/15 11/15 Important Information: - We may not always receive a score for you each month so there may be months with no scores. - For questions on the availability of your score go to the "Information For You" section of the document. Log into Discover.com/FICO to see key factors impacting all your scores. What your FICOO Credit Score means to lenders 300 - 579 580 - 669 670 - 739 740 - 799 800 - 850 lndication at Some lenders will Scores in this average Indication at a Indication of a very risky approve borrowers US. range we very dependable an exceptional homer with this score considered good borrower borrower See FlCO' Credit Score Terms on the 'lntormation For You‘ section of the statement. 201 5 Discover Bank, Member FDIC CODE_5UM_01 15 K JANET M BUDERUS Account number ending in 2971 Open Data: 0d 27, 201 5 - Close Date: Nov 26, 2015 Page 6 of 6 ' me renany ArK ot I Lyvvb vananle. New Balance $1 2,476.53 Minimum Payment Warning: If you make only the minimum payment each See Interest Charge Calculation section following the period, you will pay more in interest and it will take you longer to pay off your Transactions section for detailed APR information balance. For example: Credit Line $1 9,100 * ”U orig; i _ . i _ '!§:n-% 'L ' . ' , .CreditLine Available I $6,623 V I p_ -: ‘- Ame g. . Seam f, , , i3 Cash Advance Credll Llne $3,400 Only the minimum payment 23 years $25:663 . . . $420 3 years $15, 132Cash Advance Credit Lune Available $3,400 (savings: $1 0’53” You may be able to avoid interest on Purchases. see reverse for details. If you would like information about credit counseling services, call 1-800-347-1 121 .x k r FICQ . T REWARDS cashback Bonuso Anniversary Month W October DISC VER Discover” More° CardAccount number ending m 2971 Open Date: Sep 27, 201 5- Close Date: Oct 26, 201 5 Cardmember Since 2002 Page l of 8 ACCOUNT SUMMARY PAYMENT INFORMATION "ml-Your FICOO Credit Score on 'lO/20/l 5. I openinQ Balance New Coshback Bonus This Period M 88.77 Everywhere Else 7.58 Redeemed This Period 88.77 s s Cashback Bonus Balance $ 7.58 To learn more, log in at Discover.com Track recent scores on your FlCO° page in this statement. - + Make Check payable to Discover. . Please fold on the pertoralion below, detach and return with your payment. NOTICE‘ SEE REVERSE SIDE FOR IMPORTANT INFORMATION Payment Coupon Pay Online Pay by Phone Please do not told, clip or staple. "‘ Discover.com l-800~347-2683 llI‘ll"II"lllllllullllllllllllllll"Ill"Illllllllllllllllllll JANET M BUDERUS . ‘1' 21 O3 S GARFIELD AVE LOVELAND CO 80537-7337 PO BOX 29033 PHOENIX AZ 85038-9033 I" I III II I II II III II III III mm II I Phone and Internet payments must be received by 5PM ET to be credited as otthe some day. ll" l I ll II I I l_l I lllll ll I II I I I III Address, e-mail or telephone changed? Note changes on reverse side. y" ,w. um”? ,m w ... .......'......v... .. u Pu, Is processed as an erecfromc fund ransfer, the transfer WIII be for the amount of the c ec . When we use information from your c ec Io ma e an electronic fund transfer, funds may be withdrawn from our account as soon as the some day we receive your payment, and you wnl not receive your check back from your nancral institution. The processing of your payment may be delayed it you send cash, corres- pondence or other items with your payments, if ou send the payment to any other address, or if you use an envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that da . Payments received at our processing facility after 5PM local time will be cre ited to your Account as of the next da . If you have mis laced your envelo e, send your payment to Discover, PO ox 61 03, Carol tream, IL 601 97-6 03. Please allow 7-10 days for delivery. If your payment is returned un aid, we reserve the right to resubmit it as an eledronic debit. Payments ma e online or by phone will be credited as of the day of receipt if made by 5 PM Eastern time. You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service re resentative by calling 1-800-347-2683. Automatic pa ments for the biing period shown nn vnur statement will he deducted on t e Pnvmnnt Dun Data shown nn that JANET M BUDERUS Account number ending in 2971 Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediatelyl Call 1-800-347-2683. What To Do If You Think You Find A Mistake 0_n Your Statement If you thlnk there is an error on your statement, write to us at: Discover, PO Box 30421 , Salt Lake City, UT 841 30-0421 . You must write to us within 60 days after the error ap eared on your statement. You may call us, but if you do we are not require to investigate any potential errors, and you may have L9 .eqxthesmpym inwess’n; _.T.h_eBilling .Rjshtstzlcaise Lumber. .exelpinsmw statement, or the next automatic payment date referred to on your statement, unless you request a recurring pa ment date (e. ., the 15"‘ day of the month) that occurs before your Payment Eue Date or CFose Date. If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the last tour (4) digits of the social security number of the primary borrower. By providing those numbers as our electronic si nature, ou will be agreeing to this authorization to allow us and your nkto educt each payment you authorize, in the amount selected b you, from your bank account. You also authorize us to initiate debit or cre it entries to your bank account, as applicable, to correct an error in the processin of such payment. You can cancel a scheduled payment by phone at 1-80 -347-2683 or by mail at Discover, PO Box 30421 , Salt Lake City, UT 841 30-0421;payment cancellations must be received before 5 PM ET of the scheduled withdrawal date. If your payments may vary in amount, we will tell ou on each monthly billing statement when your paymentwill be made and ow much it will be. CHANGE OF ADDRESS Bank Account # ; Monthly an the D Payment Due Date j Close Date D Day of month (insert date) Credit Reporting.We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reected in your credit report. We normally report the status an payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at this address: Discover, PO Box 15316,Wilmington, DE 19850-531 6.Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will not charge you any interest on Purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Date or the first day of the billing period in which the transaction posted to your Account. HowWe Calculate Interest Charges.We Use the Daily Balance Method linrlurlinn current trnnsnrtinnsl tn rnlrulnte the Bnlnnre "bier-t tn Interest Open Date: Sep 27, 2015- Close Date: Oct 26, 2015 Page2 of 8 You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. law. You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, Eii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) 0t er dollar amount. If your scheduled "Other dollar amount" payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agree’ment. It your scheduled_ '.r.-.~.-..la'---n-.\. .. "nonoal, .L.I L---.J-f-.. \..\ . ate. For more information, please calrus at.l :800-347-2683. Balance Subyect to Interest Rate. our statement shows a Balance Subiect to Interest Ra e. It showst is for eac transa Ion cayegory. Th_e once SubJe to Interest Rate Is t e average of the ally be ances during t e billing perio . Credit Balances. It your Account has a credit balance, the amount is shown on the front of your billin statement. A credit balance is money that is owed to you. You may make charges against this amount if our Account is open. We will send you a refund of any remainin balance o $1 .00 or more after 6 months, or as othenNise required by app icable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Balance Transfers. Balance Transfers are offer d at our iscretion andaccrue Interest at the standard purchase rate un ess we tel you otherwrse. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® card is issued by Discover Bank, Member FDIC. TL23-24N.0215 r If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Street Address Home Phone Work Phone City Email State, Zip To make changes to your address, email or telephone number, visit Discover.com Continued on netd page raymems and Lreulls ucr u UCI AI r'rIUN: rAvchI - InANk YUU b -ZdV.UU Award and Rebate Credils 0d 21 Oct 21 REWARD STATEMENT CREDIT S -88.77 Travel/Enterluinmeni Sep 25 Sep 27 RCI 31 7-805-8000 31 7-805-8000 IN S 235.1 3 Sep 25 Sep 27 RCI 31 7-805-8000 31 7-805-8000 IN 235.1 3 Sep 25 Sap 27 RCI 31 1805-8000 31 7-805-8000 IN 99.00 Sep 27 Sep 27 ALLINGTON INN & SUITES KREMMLING CO I 15.51 Supermarkeis Sap 30 Sep 30 ESH'S DISCOUNT GROCERY LOVELAND CO $ 73.40 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interesl Charged INTEREST CHARGE ON PURCHASES $ 135.1 9 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 135.19 Discover” More’ Card Account number ending in 297] Open Daie: Sep 27, 2015 - Close Date: 0d 26, 2015 Page 3 of 8 Dsc VER' CONTACT US L. \u I. u L'I - nL 1 - - AA n 201 5 Totals Year-fo-Date TOTAL FEES CHARGED IN 2015 s o.oo TOTAL INTEREST CHARGED IN 2015 5 297.59 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period:30 days ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchases 12.99% V $7,456.30 $79.61 Expired Promotional Purchases Promotional Purchases 12.99% V $5,205.38 $55.58 Cash Advances 23.99% V $0.00 $0.00 V=Variable Rate Information For You For more information about how interest charges are calculated see your Cardmember Agreement or go to www.discover.com/interestcharges NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Availability of FICO° Credil Score As an adive cardmember, you may see your FICO° Credi! Score on your monthly statement or online. Reasons why you may not see your FICO° Credit Score include: ifyou have u ioini account; if you opt out; if you have key information that is mismaiched or missing, as one example, an address change that has noi been updated wilh Discover or TransUnion; if your credit history is too new; if your’ account status is abandoned, bankrupt, fraud, lost or stolen, closed, revoked, or charged off; if you hove a foreign address; or if you have no account activity such as no purchase transactions, fees, interest, or payments tor approximately 30 days. Discover Account Payments Discontinued at Sears Effective February l, 201 6, cardmembers will no longer have the option to make any payments to their Discover account at Sears locations. You will continue to have the option to make payments online by visiting our website at Discover.com, by calling us at i-BOO-DlSCOVER (i -800-347-2683), or by mailing us a check. JANET M BUDERUS Account number ending in 297i Open Date: Sep 27, 2015- Close Date: Oct 26, 2015 Page 4 of 8 Information For You Continued FICO° Credit Score Terms Your FlCOo Credit Score and ltev factors are based nn dntn from TrnnsUninn nnrl mnv ha different fmm nthnr rmrlit stores This information is intnnrlari fnr More from Discover Get more to spend at Bed Bath & Beyond° - without spending morel Redeem Cashback Bonus for a gift card loaded with extra value. Visit Discover.com/redeem Exceptional 800 - 850 Very Dependable 740-799 Good 670-739 Below Average 580-669 Very Risky ._ 300 - 579 3+1; DISC VER Discover” More” CardAccouni number ending in 2971 Open Date: Sep 27, 201 5- Close Date: Oct 26, 201 5 Cardmember Since 2002 Page 5 of 8 \ 11/14 12/14 01/15 02/15 03/15 04/15 05/15 06/15 07/15 08/15 09/15 10/15 Important Information: - We moy not always receive a score for you each month so there may be months with no scores. - For questions on the availability of your score go to the "Information For You" section of the document. Log into Discover.com/FICO to see key factors impacting all your scores. What your FlCOQ Credit Score means to lenders 300 579 580 - 669 670 - 739 740 - 799 800 - 850 Indication ot Some lenders will Scores in this average Indication oi a Indication of a very risky approve bonowen 0.5. rouge are very dependable on exceptional borrower with this score considered good borrower borrower See FICO° Credit Score Terms on the 'lnformation For You' section otthe statement. o 201 5 Discover Bank, Member mic cooe_sUM_m 15 x J JANET M BUDERUS Account number endirlg in 2971 Open Date: Sep 27, 201 5- Close Date: 0d 26, 2015 Page 6 of 8 Iransters For checks that do not receive the promo APR, the standard APR for cash advances will apply, currently 23.99%. This APR will vary with the market based on the Prime Rate. Use By Date This check must post to your account by 12/01 /201 5 for the promo APR and fee to apply. If the check posts after 12/01 /201 5, we may still honor this check, but you will not receive the promo APR and fee. Instead the standard APR and tee for cash advances will apply. This APR will vary with the market based on the Prime Rate. Fees 3% of the amount of each transfer if the transfer posts to your account from 10/07/201 5 to 12/01/201 5. If the check posts after 12/01/201 5, the standard cash advance fee of either $10 or 5% of the amount of each transaction, whichever is greater, will apply, as well as the standard cash advance APR. For other balance transfers, the standard balance transfer fee is either $10 or 5% of the amount of each transfer, whichever is greater. Paying Interest We will begin charging interest on this check as of the later of the transaction date or the first day of the billing period in which the transfer posts to your account. DISCQVER- Discover° More° CardAccount number ending in 2971 Open Date: Sep 27, 201 5 - Close Date: Oct 26, 201 5 Page 7 of 8 Transfer higher-rate balances to your Discover card and enioy a low promo rate. mm’mmw 5m¥wm If you pay late, we may (i) terminate the availability of this promotional rate for new transactions, and (ii) increase your APRs for new purchases and balance transfers to variable Penalty APRs. We may decline this check if your Account is not in good standing or has insufficient credit available at the time this check is presented for payment. To check credit availability or transfer a balance, visit Discover.com/balancetronsfer or call 1-800-767-7339. The use of this check will cause your Account to be charged for the amount of this check plus any applicable fees. Variable rates are based on the Prime Rate in effect as of the last business day of the previous month. Minimum interest Charge: $0.50. See back for additional Important Information. This checkmust-p‘ost by»12/01/2015 toggetyour 2]03- sGARFIELD.AVE - _ promotionalA_PRandF_ee.S_'ee_promotionaloffer for ' LQVELAN’D .c'o8053717337 Account.endingIn' 297.1 >0 >0 -u-n -.._._.., _,..,.., _...-_..._ ,-_ r_, ..._. -..__-_ ...-.. .. .-... . -l...-... _-- . . .- .- ..-.-.-a . _ ..._.,..-. balances wiih lower APRs as of the date we credit your payment The minimum payment requirement can cause promotional balances to be paid in full before the end of the promotional period. Can I avoid interest an purchasesif I transfera balance? You can ovoid interest on new purchases you make if you pay your entire balance in full each month. This means that, unless your purchase APR is at a 0%, you will pay interest on new purchases it you do not pay the balances you transfer under this offer in full by the rst payment due date. See your Cardmember Agreement for details. Are there any other limitations or detailsl should know about this balance transfer offer? Yes. If your account is past due, overlimit, or in default for any other reason stated in your Cardmember Agreement, we may decline to authorize a balance transfer check when it is presented for payment. Furthermore, if your account is in default you may not be able to take advantage of this offer by phone or online. If you use a balance transfer check in other than paper form, we will treat the transaction as a cash advance and your standard Cash advance APR and fee will apply. For example, if you provide the routing number and account number shown on the check to a payee instead of writing the check to the payee, it will be processed as a cash advance. If your account is currently enrolled in a special program or is placed into one during the term of the offer, you will receive the benefit of the lower rote while the special program is in effect. This includes, if applicable , any lower rates as authorized under the Servicemembers Civil Relief Act. JANET M BUDERUS Account number ending in 2971 Open Date: Sep 27, 2015- Close Date: Oct 26, 2015 PageB of 8 IMPORTANT INFORMATION ABOUT BALANCE TRANSFERS Q A Q A Do l earn rewards on balance transfers? Balance transfers do not earn rewards. Can l use a balance transfer to pay another Discover® account? No, you may not use a balance transfer to pay any Discover accounts. Sa il- t BS EO G N E 39 f] N O lll llS N l ‘M D N VN H 30 5 m aa ‘JN II 'I El l-L l. M 01 39 N SI S BO dW Vl S 'B JJ' G M LO N 00 lnlel’eS‘l Lnafgeu ' OOAJ4 ihe Penalty APR of 1 7.99% variable. New Balance $1 1,91 0.94 . . . . .Mlmmum Payment Warning: If you make only the minimum payment each See Interest Charge Calculaon section following 1he period, you will pay more in interest and it will take you longer to pay off your Transactions section for detailed APR information balance. For example: Credit Line $19,l00 j ‘5 lz'r 3:» Vim "-- .. . Ewith? m: toCredit Lune Available y $7,] 89 :5:3.5;. -_; J XL l I m ,i=1: .jfgfg .V- If. 63% r ~ 363%? COSh Advance Cred” Llne $3,400 Only the minimum payment 23 years $24,433 Cash Advance Credit Line Available $3,400 $40] 3 Years (savifglstggan You may be able to avoid interest on Purchases. See reverse for dawns. If you would like information about credit counseling services, call l-800-347-l l 21 .J F FICQ REWARDS Anniversary Monthor Cashback Bonus Odober DISC®VER Discover” More° CardAccount number ending in 297i Open Date: Aug 27, 201 5- Close Date: Sep 26, 201 5 Cardmember Since 2002 Page l of 6 Your FICO° Credit Score on 9/20/1 5. Opening Balance 5 37-1 5 New Cashback Bonus This Period o - . Everywhere Else + $ 1.62Track recent scores on your FICO page In this statement. Redeemed This Period - s 0.00 Cashback Bonus Balance $ 88.77 To learn more, log in at Discover.com Make Check payable to Discover. Please fold on the pertoration below, detach and return with your payment. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Payment Coupon Pay Online g Pay by PhonePlease do not fold, clip or staple. _ ' Discover.com 1-800-347-2683 l-'-|-"iii||il'|"li'llill'Iiliilll'lilllIi-iimli'ii'ii'lli-‘l JANET M BUDERUS . ‘1'2103 S GARFIELD AVE LOVELAND CO 80537-7337 PO BOX 29033 PHOENIX AZ 85038-9033 Ill Illi II ln ill l ll ll ll Ill I n ll Phone and Internet payments must be received by 5PM ET to be credited as ofthe same day. "ll ll I "ll l l " "h lllllll" I ll I I I I Address, e-mail or telephone changed? Note changes on reverse side. is p'rocessed as an eledronic fun'd frgnsfer, the transfer will be for the'ar'noumof the check. When we use information 'om your c ec to ma e aneledronlc fund Ironsfer, funds may be Withdrawn from {our accqum as soon as the same day we receive you; pgyment, and you wtl not receive your check buck from your nanctal Institution. The processing of your payment moy be delayed if you send cosh, corres- pondence or other items with your payments, if ou send the payment to any other address, or if you use an envelope othert an the one provided. Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that do . Payments received at our processing facility after 5PM local time will be cre ited to your Account as of the next do . If ou have mis laced your envelope, send your payment to Discover, PO ox g1 03, Carol treom, IL 601 97-6103. Please allow 7-1 0 days for delivery. If your payment is returned un aid, we reserve the right to resubmit it as an electronic debit. Payments ma e online or by phone will be credited as of the day of receipt if made by 5 PM Eastern time. You can pay your monthly Minimum Payment Due, or a greater amount that does not excee your current Account balance, over the telephone or you can setup automatic payments through a customer service re resentative by calling 1-800-347-2683. Automatic pa ments for the billing period shown on your statement will be deducted ont e Payment Due Date shown on that JANET M BUDERUS Account number ending in 2971 Important Information See your CardmemberAgreement. Your Cordmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately! Call 1-800-347-2683. What 9 Do If You Think You Find A Mistake Qn Your Statement If you t ink there Is an error on your statement, write to us at: Discover, PO Box 30421 , Salt Lake City, UT 841 30-0421 . You must write to us within 60 days after the error aproared on your statement. You may call us, but if you do we are not require to invest‘‘ate any potential errors, and you may have to pay the amount in question. le Billing Rights Notice further explains your statement, or the next automatic payment date referred to on your statement, unless you request a recurring pa ment date (e. ., the 15'“ day of the month) that occurs before your Payment Due Date or CFose Date. If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4) digits of the social security number of the primary borrower. By providing those numbers as our electronic signature, ou will be agreeing to this authorization to allow us and your bank to educt each payment you authorize, in the amount selected b you, from your bank account. You also authorize us to initiate debit or cre$t entries to your bank account, as applicable, to corred an error in the processin of such payment. You can cancel a scheduled payment by phone at 1-80 -347-2683 or by mail at Discover, PO Box 3042i, Salt Lake City, UT 841 30.0421;payment cancellations must be received before 5 PM ET of the scheduled withdrawal date. If your payments may vary in amount, we will tell ou on each monthly billing statement when your payment will be made and ow much it will be. CHANGE OF ADDRESS Bank Account # ; Monthly on the D Payment Due Date DClose Date l:l Day of month (insert date) Credit Reporting.We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at this address: Discover, PoiBox 15316,Wilmington, DE l9850-5316.Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will not charge you any interest on Purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cas Advances and Balance Transfers as of the later of the Transaction Date or the first day of the billing period in which the transaction posted to your Account. HowWe Calculate Interest Charges. We Use the Dail Balance Method (including current transactions) to calculate the Balance ubiect to Interest Open Date: Aug 27, 2015- Close Date: Sop 26, 2015 Page2 of 6 You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. low. You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, iii) statement Minimum Payment Due plus a xed dollar amount, or liv) Ot er dollar amount. If your scheduled "Other dollaramount” payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cordmember Agreement. If your scheduledmum-mane mono" than the New Rnlnm-e .mm killtnn chum...» that Rate. For more information, please call us at 1-800-347-2683. Balance Sub'ect to Inter st ate. our statement shows a Bo‘lance Subiect to Interest Ra e. It showst is or eac transaction ca'egory. T .e Balance. ubjeét to Interest Rate Is the average of the daily a ances during the billing peno . Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billin statement. A credit balance is money that is owed to you. You may make c urges against this amount if our Account is open. We will send you a refund of any remainin balance o $1 .00 or more after 6 months, or as otherwise required by app icable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Balance Transfers. Balance Transfers are offered at our discretion an_daccrue interest at the standard purchase rate un ess we tell you otherwnse. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® card is issued by Discover Bank, Member FDIC. TL23-24N.o215 F If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. N Street Address Home Phone Work Phone City Email State, Zip '\ To make changes to your address, email or telephone number, visit Discover.com Continued on new page Payments and Credits Sep 1 7 Sep 17 PHONE PAYMENT - THANK YOU S -940.00 Travel/Entertainment Sep 20 Sep 20 RESIDENCE INN MARRIOTT LAKEWOOD CO $ 162.38 01 934R Fees TOTAL FEES FOR THIS PERIOD 3 0.00 Interest Charged INTEREST CHARGE ON PURCHASES S 82.74 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BAIANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 82.74 201 5 Totals Year-to-DaIe TOTAL FEES CHARGED IN 201 5 $ 0.00 TOTAL INTEREST CHARGED IN 201 5 5 162.40 lnteresT Charge Calculation DISCQVER Discover" More” CardAccounI number ending in 2971 Open DaIe: Aug 27, 201 5 - CIose DaIe: Sep 26, 201 5 Page 3 of 6 r _ Your Annual Percentage Rafe (APR) is the annual interest rate on your account. Current Billing Periodz31 days ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchases 12.99% V $2,299.27 $25.38 Expired Promotional Purchases Promotional Purchases 12.99% V $5,198.97 $57.36 Cash Advances 23.99% V $0.00 $0.00 Balance Transfers 0.00% $4,881 .64 $0.00 V=Variable Rate Information For You For more information about how interest charges are calculated see your Cardmember Agreement or go to www.discover.com/interestcharges NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION IU PIULUa) YUUI [CHUBDIA IU ICU U u, VIBII UIDLUVUI .LUIII Availability of FICO° Credit Score As an odive cardmember, you may see your FICO° Credit Score on your monthly siotement or online. Reasons why you may not see your FICO° Credit Score include: if you have o ioini occouni; if you opt oui; if you have key information ihat is mismatched or missing, as one example, an address change that has not been updated with Discover or TransUnion; if your credit history is too new; if your account status is abandoned, bankrupt, fraud, lost or stolen, closed, revoked, or charged off; if you have a foreign address; or if you have no account activity such as no purchase transactions, fees, interest, or payments for approximately 30 days. JANET M BUDERUS Account number ending in 2971 Open Date: Aug 27, 2015- Close Date: Sep 26, 2015 Page4 of 6 Information For You Continued FICO° Credit Score Terms Exceptional 800 - 850 Very Dependable 740- 799 Good 670-739 I Below Average E 580.669 Very Risky 1m . 479 Discover“ More° Card Account number ending in 2971 Open Date: Aug 27, 2015- Close Date: Sep 26, 201 5 Cardmember Since 2002 Page 5 of 6 \ 10/14 11/14 12/14 01/15 02/15 03/15 04/15 05/15 06/15 07/15 08/15 09/15 Important Information: - We may not always receive a score for you each monlh so 1here may be months with no scores. - For questions on the availability of your score go to the "Information For You" section of the document. Log into Discover.com/FICO to see key factors impacting all your scores. What your FlCO° Credit Score means to lenders 300 - 579 580 - 669 670 - 739 740 - 799 800 - 850 Indication at Some lenders will 5mm in this average Indication oi o indication at a very rislzy approve borrower: US. rangem very dependable on exceptional borrower with this scare c ' rod good borrower borrower See FICO° Credit Score Terms on the 'lnformation For You' section ot the statement. 201 5 Discover Bonk, Member FDIC CODE_SUM_01 15 k 2 JANET M BUDERUS Account number ending in 2971 Open Daie: Aug 27, 2015 - Close Date: Sep 26, 2015 Page 6 of 6 "nun... gaunayu w: -v.: 1he Penalty APR of 1 7.99% variable. New Balance $12,605.82 . . . . .Mlnlmum Payment Warning: If you make only the mmlmum payment each See Interest Charge Calculation section following the period, you will pay more in interest and it will take you longer to pay off your Transactions section for detailed APR information Credit Line $1 9,100 Credit Line Available $6,494 I ‘ ' v COSh Advance Cred“ Line $3,400 Only the minimum payment I 23‘years I $25,828 Cash Advance Credit Line Available $3,400 $424 3 Years (Savinséli'iglsés) You may be able to avoid interest on Purchases. see reverse for details. If you would like information about credit counseling services, call 1-800-347-1 121 .k J F FICQ ‘ REWARDS Anniversary Monthf Cashback Bonus° ember DISC®VER Discover° More” CardAccount number ending in 2971 Open Date: Jul 27, 201 5- Close Date: Aug 26, 201 5 Cardmember Since 2002 Page 1 of 6 _ Your Flco° Credit score on 8/20/1 s. Opening Balance $ 74.28 New Cashback Bonus This Period F coo - c . Everywhere Else + $ 12.87Track recent scores on your l page In this statement Redeemed This Period _ s 0‘00 Cashback Bonus Balance $ 87.1 5 To learn more, log in at Discover.com Make Check payable to Discover. Please fold on the perforation below, detach and return with your payment. NOTICE: SEE REVERSE S'DE FOR IMPORTANT .NFORMATION Payment Coupon Pay Online g Pay by PhonePlease do not fold, clip or staple. Discover.com 1-800-347-2683 JANET M BUDERUS ‘1‘ 21 03 S GARFIELD AVE LOVELAND CO 80537-7337 PO BOX 29033 PHOENIX AZ 85038-9033 I IIII II IIII II Ill III I I Illll Illl Illl Phone and Internet payments must be received by 5PM ET to be credited as althe same day. l III I I ll I'll" I I IIII III III II II I Address, e-mail or telephone changed? Note changes on reverse side. is p'rocessed as an electronic fund frgnsfer, the transfer will be for {he amount of the check. hen we use information [om your c ec to make on electronic fund transfer, funds may be Withdrawn from {our accqunt as soon as the some day we receive you; pgyrnent, and you WII no‘ recewe your check back from your finoncral InsMuhon. The processing of your payment may be delayed if you send cash, corres- pondence or oIher items with your payments, if you send the payment to any other address, or if you use an envelope other t an the one provided. Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that do . Payments received at our processing facility after 5PM local time will be cre ited to your Account as of the next da . If you have mis laced your envelo e, send your payment to Discover, PO ox 61 03, Carol tream, IL 601 97-6 03. Please allow 7‘10 days for delivery. If your payment is returned un aid, we reserve the right to resubmit it as an electronic debit. Payments ma e online or by phone will be credited as of the day of receipt if made by 5 PM Eastern time. You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service re resentative by calling 1-800-347-2683. Automatic pa ments for the bi ling period shown on your statement will be deducted on t e Payment Due Date shown on that JANEI' M BUDERUS Account number ending in 2971 Important Information See your CurdmembarAgreement. Your Cardmember Agreement contains all the terms of your Account. lost or stolen cards. Report immediately! Call 1-800-347-2683. What To o It You Think You Find A Mistake Qn Your Statement If you thin there is an error on your statement, write to us at: Discover, PO Box 3042i , Salt Lake City, UT 841 30-0421 . You must write to us within 60 days after the error up eared on your statement. You may call us, but if you do we are not requireIto investigate any potential errors, and you may have to pay the amount in question. The Billing Rights Notice further explains your statement, or the next automatic payment date referred to on your statement, unless you request a recurring pa ment date (e.F., the 15'” day of the month) that occurs before your Payment Due Date or C ose Date. If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4) digits of the social security number of the primary borrower. By providing those numbers as our electronic signature,Jou will be agreeing to this authorization to allow us and your ank to educt each payment you authorize, in the amount selected b you, from your bank account. You also authorize us to initiate debit or cre it entries to your bank account, as applicable, to correct an error in the processin of such payment. You can cancel a scheduled payment by phone at 1-808-347-2683 or by mail at Discover, PO Box 3042i , Salt Lake City, UT 841 30-0421; payment cancellations must be received before 5 PM ET of the scheduled withdrawal date. If your payments may vary in amount, we will tell ou on each monthly billing statement when your payment will be made and ow much it will be. CHANGE OF ADDRESS bank Account at -, Monthly on the U Payment Due Date D Close Date D Day of month (insert date) Credit Reporting.We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at this address: Discover, PO Box 15316,VVIlmington, DE l9850-5316.Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will not charge you any interest on Purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Date or the first day of the billing period in whidi the transaction posted to your Account. HowWe Calculate Interest Charges. We Use the Dail Balance Method (including current transactions) to calculate the Balance ubiect to Interest Open Date: Jul 27, 2015 - Close Date: Aug 26, 2015 Page2 of 6 You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. law. You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, iii) statement Minimum Payment Due plus a xed dollar amount, or (iv) 0t er dollar amount. If your scheduled "Other dollaramount” payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. If your schedulednvmnnfje "renter Iknn Glue Nam nnlnnrn An vn Ir killinn etnfnmanb “5M ate. For more information, please call us at 11800-347-2683. Balance Subject to Interest ate. Your statement shows a Balance Subjectto nterest Ra . It showstpis or each transaction ca'egory. T .e BalanceSu ‘(ect to Interest Rate I e average of the daily ba ances during the billing perio . Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billin statement. A credit balance is money that is owed to you. You may make c arges against this amount if our Account is open. We will send you a refund of any remainin balance o $l .00 or more after 6 months, or as otherwise required by app icable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. 'Balance Transfers. Balance Transfers are offered at our iscretion andaccrue interest at the standard purchase rate un ess we te you otheMise. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® card is issued by Discover Bank, Member FDIC. n23.24N.0215 r If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Street Address Home Phone Work Phone City Email State, Zip 1 To make changes to your address, email or telephone number, visit Discover.com Continued on next page Payments and Credits Aug 17 Aug 1 7 PHONE PAYMENT - THANK YOU $ ~230.00 Merchandise Jul 31 Jul 31 1.800-FLOWERS.COM,INC. 800-468-1 141 NY $ 74.83 1345621 22 Aug 10 Aug 10 SHARKNINJA SALES COMPANY 800-798-7398 MA 428.88 Aulomotive Aug 19 Aug 19 FORT COLLINS DODGE CHR FORT COLLINS CO $ 51 5.44 Supermarkets Aug 24 Aug 24 HONEYVILLE GRAIN O BRIGHAM CITY UT $ 267.89 Fees TOTAL FEES FOR THIS PERIOD 5 0.00 Interest Charged INTEREST CHARGE ON PURCHASES S 74.75 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 74.75 \l -.I\-. DISC VER Discover” ore” CrdAccouni number ending In 2971 Open DaIe: Jul 27, 201 5 - CIose DaIe: Aug 26, 201 5 Page 3 of 6 f . .. _. _ . _._ .. - NIOTOIS Year-TO-Um TOTAL FEES CHARGED IN 2015 5 0.00 TOTAL INTEREST CHARGED IN 2015 5 79.66 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Periodz31 days ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchases 12.99% V $1,614.74 $17.81 Expired Promotional Purchases Promotional Purchases 12.99% V $5,160.13 $56.94 Cash Advances 23.99% V $0.00 $0.00 Balance Transfers 0.00% 55,1 19.06 $0.00 V=Variable Rate Information For You For more information about how interest charges are calculated see your Cardmember Agreement or go to www.discover.comnterestcharges About Your New, Higher Credit Lino. As a reminder, your credit line was increased to $1 9,100. A higher credit line means more buying power, more opportunities to earn Rewards, and more options for managing your finances. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION u I c Availability of FICO° Credit Score As an adive cardmember, you may see your FICO” Credit Score on your monthly statement or online. Reasons why you may not see your FlCO” Credit Score include: if you hove a ioint account; if you opt out; if you have key information that is mismatched or missing, as one example, on address change that has not been updated with Discover or TransUnion; if your credit history is too new; if your account status is abandoned, bankrupt, fraud, lost or stolen, closed, revoked, or charged oft; if you have a foreign address; or if you have no account activity such as no purchase transactions, fees, interest, or payments for approximately 30 days. Discover Account Payments Discontinued at Sears Effective February 'I, 2016, cardmembers will no longer have the option to make any payments to their Discover account at Sears locations. You will continue to have the option to make payments online by visiting our website at Discover.com, by calling us at l-800-DISCOVER (l -800-347-2683), or by mailing us a check. JANET M BUDERUS Account number ending in 297i Open Date: Jul 27, 2015 - Close Date: Aug 26, 2015 Page4 of 6 Information For You Continued FICO° Credit Score Terms v-.... :Ir‘ne I‘._J:A c ...... ..l I“... bud-.- _-_ L..-..A ..- A-.- 1.-.. 1'-.__AI I..:.._. -_.l L- .l:u._.___n -AL J‘ TLt. :-t--....u-_ 3- J. J 1-- More from Discover Get more to spend at Bed Bath 8: Beyond, Lands' End, Mays or Staples this fall - Redeem Cashback Bonus for a gift card loaded with extra value. Visit Discover.com/redeem Exceptional 800 - 850 Very Dependable 740- 799 Good 670- 739 Below Average 580-669 Very Risky 300 - 579 Discover” More” Cord Account number ending in 2971 Open Date: Jul 27, 201 5- Close Dale: Aug 26, 201 5 Cardmember Since 2002 Page 5 of 6 09/14 10/14 11/14 12/14 01/15 02/15 03/15 04/15 05/15 06/15 07/15 08/15 Important Information: - We may not always receive a score for you each month so there may be months with no scores. - For questions on the availability of your score go to the “Information For You" section of the document. Log into Discover.com/FICO to see key factors impacting all your scores. What your FlCO“ Credit Score means to lenders 300 - 579 580 - 669 670 - 739 740 - 799 800 ~ 850 lncation ol Some lenders will Scores 'm this average ‘ Indication ol a Indication of a very risky approve borrowers U5. rangem very dependable on exceptional borrower with th'n score considered good borrower borrower See FICO° Credit Score Terms on the 'lnformation For You' section ofthe statement. 201 5 Discover Bank, Member FDIC CODE_SUM_01 15 unv-ve. ynu-uuu v-vu . ihe Penalty APR of 17.99% variable. New Balance $1 1’474'03 Minimum Payment Warning: If you make only the minimum payment each See Interest Charge Calculation section following the period, you will pay more in interest and it will take you longer to pay off your Transactions section for detailed APR information balance. For example: Credit Line $ l 3,600 Credit Line Available $2,] 25 _ a ‘ V Cash Advance Credit Line $3.400 only the minimum payment 22 years $23,259 ' - ' -| bl $385 3 years $13,851Cash Advance Credit Line Ava» a e $2,] 25 (savings: $9,408) Y b bl t 'd ‘ t t P h . 5:: '23:“:er Sezi‘lls‘im m eras on we uses If you would like information about credit counseling services, call 1-800-347-1 121 . L J r Flco ‘ REWARDS- Cashback Bonuss ' Anniversary MonthOctober DISCQVER Discover° More CardAccount number endingIn 2971 Open Date: Jun 27, 201 5- Close Date: Jul 26, 201 5 Cardmember Since 2002 Page 1 of 6 ACCOUNT SUMMARY PAYMENT INFORMATION Opening Balance 29.90 Your FICO° Credit Score 0n 7/20/1 5- New Cashback Bonus This Period M More at Discovercorn Everywhere Else 44.38 . + $ Redeemed This Period $ 0.00 Cashback Bonus Balance $ 74.28 To learn more, log in at Discover.com Make Check payable to Discover. Please fold on the perforation below, detach and return with your payment. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Payment Coupon 9 Pay Online g Pay by PhonePlease do not told, clip or staple. Discover.com l-800-347-2683 I'Ill'lIl'HII'l""lll"lI|l'II""Il--IIl'l"-'I-Il-III'I-llm JANET M BUDERus 2103 S GARFIELD AVE LOVELAND CO 80537-7337 PO BOX 29033 PHOENIX AZ 85038-9033 I Ill l I III III II l III I I ull I lull Phone and Internet payments must be received by 5PM ETto be credited as ofthe same day. ll" ll “ll ml lull II II I I Ill I II II II Address, e-rnail or telephone changed? Note changes on reverse side. is p'rocessed as an electronic fun'd frgnsfer, the transfer will be for the' ar'nount of the check. When we use information from your check to make an electronic fund transfer, funds may be wnt rawn from {our accqunt as soon as the some day we receive your payment, and you wrl not receive your check back from your nancral institution. The processing of your payment may be delayed if you send cash, corres- pondence or other items with your payments, if you send the payment to any other address, or it you use an envelope other t an the one provided. Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that do . Payments received at our processing facility after 5PM local time will be cr ited to your Account as of the next da . If ou have mis laced your envelope, send your payment to Discover, PO ox d103, Carol tream, IL 601 97-6103. Please allow 7'10 days for delivery. If your payment is returned un aid, we reserve the right to resubmit it as an electronic debit. Payments ma e online or by phone will be credited as of the day of receipt if made by 5 PM Eastern time. You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service re resentative by calling 1-800-347-2683. Automatic pa merits for the bi ling period shown on your statement will be deducted on the Payment Due Date shown on that JANET M BUDERUS Account number ending in 2971 Important Information See your CardmemberAgreement. Your Cardmember Agreement contains all the terms of your Account. lost or stolen cards. Report immediatelyl Call 1-800-347-2683. What To Do If You Think You Find A Mistake Qn Your Statement If you think there is an error on your statement, write to us at: Discover, PO Box 30421 , Salt Lake City, UT 841 30-0421 . You must write to us within 60 days after the error ap eared on your statement. You may call us, but if you do we are not require to investi ate any potential errors, and you may have to pay the amount in question. .e Billing Rights Notice further explains your statement, or the next automatic payment date referred to on your statement, unless you request a recurring pa ment date (e. ., the 15'” day of the month) that occurs before your Payment Due Date or CFose Date. If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4) digits of the social security number of the primary borrower. By providing those numbers as our electronic signature, ou will be agreeing to this authorization to al ow us and your ank to educt each payment you authorize, in the amount selected b you, from your bank account. You also authorize us to initiate debit or cret entries to your bank account, as applicable, to correct an error in the processin% of such payment. You can cancel a scheduled payment by phone at 1-80 -347-2683 or by mail at Discover, PO Box 30421 , Salt Lake City, UT 841 30-0421; ayment cancellations must be received before 5 PM ET of the sche uled withdrawal date. If your payments may vary in amount, we will tell ou on each monthly billing statement when your payment will be made and ow much it will be. CHANGE OF ADDRESS bank Account # ; Monthly on the D Payment Due Date DCIose Date U Day of month (insert date) Credit Reporting.We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at this address: Discover, PO Box 1531 6,Wilmington, DE 19850-531 6.Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will not charge you any interest on Purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Date or the rst day of the billing period in which the transaction posted to your Account. HowWe Calculate Interest Charges. We Use the Dail Balance Method (including current transactions) to calculate the Balance ubiect to Interest Open Date: Jun 27, 2015- Close Date: Jul 26, 2015 Page2 of 6 You must ensure that sufcient funds are available in your bank account, and all transactions must comply with U.S. law, You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a xed dollar amount, or (iv) Ot er dollar amount. If your scheduled “Other dollar amount" payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. If your scheduled nrwmnnt is nrantpr flu-in the New Rnlnn a nn vniir l-iillinn dntnmnnt "an. Rate. For more information, please call us at 1-800-347-2683. Balance Sub'ect to Interest ate. Your statement shows a Balance Subject to Interest Ra e. lt shows this or each transaction category. The Ba once. Subject to Interest Rate is the average of the daily balances during the billing perio . Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billin statement. A credit balance is money that is owed to you. You may make c arges against this amount if our Account is open. We will send you a refund of any remainin balance o $1 .00 or more after 6 months, or as othenivise required by app icable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Balance Transfers. Balance Transfers are offered at our discretion andaccrue interest at the standard purchase rate unless we tell you otheMise. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® card is issued by Discover Bank, Member FDIC. TL23-2AN.0215 V If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Street Address Home Phone I Work Phone City Email State, Zip L 1 To make changes to your address, email or telephone number, visit Discover.com Continued on next page Payments and Credits Ju 8 Ju 8 PHONE PAYMENT - THANK YOU $ -3,000.00 Ju H Ju H PAYMENT - THANK YOU ~1 ,000.00 Merchandise Ju 9 Ju 9 SURF LIFE SANTA CRUZ CA 3 35.80 Ju 9 Ju 9 O NEILL DOWNTOWN SANTA CRUZ CA 1 1 1.02 .IU 9 JU 9 0426 FOREVER 21 SANTA CRUZ CA 23.45 Restaurams Ju 20 Ju 20 SONIC DRIVE IN #3219 LOVELAND CO $ 9.05 Gasoline .Iu 16 Ju 16 PILOTWINNEMUCCA NV S 80.00 Ju 16 Ju 16 MAVERIK #421 RENO NV 74.08 Ju 1 7 Ju 17 PILOT LAKE POINT UT 75.00 Ju 17 Ju 17 PILOT RAWLINSWY 66.05 Travel/Entertainment Ju 9 .Iu 9 BAY FRONT INN - SANTA CR SANTA CRUZ CA 5 20.00 Ju 15 Ju 15 PAYLESS CAR RENTAL-REN RENO NV 377.58 DISC VER U Discover” More" Card Accounl number ending in 2971 Open Dale: Jun 27, 2015 - Close Date: Jul 26, 2015 Page 3 of 6 f .. _ .__ . _. _ . _ - "N Jul 15 Jul 15 HOTWIRE-SALES FINAL 866-468-9473 CA 97.32 1 1228036UBJ2MGTF Jul 15 Jul 15 RIO SANDS MOTEL 800-826-2077 CA 328.25 Jul 17 JUI 17 RAINBOW FRONT DESK WEST WENDOVERNV 35.90 Services Jul 6 Jul 6 TRACY'S NAILS CAPITOLA CA S 105.00 Medical Services Jun 29 Jun 29 ROCKY MOUNTAIN CHIROPRAC LOVELAND CO S 3,000.00 Fees TOTAL FEES FOR THIS PERIOD 5 0.00 Interest Charged INTEREST CHARGE ON PURCHASES S 4.91 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 4.91 201 5 Totals Year-to-Date TOTAL FEES CHARGED IN 201 5 3 0.00 TOTAL INTEREST CHARGED IN 2015 I $ 4.917 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period-30 days ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchases 12.99% V $459.49 $4.91 Promotional Purchases PromotionaI Purchases 0.00% $6,371 .99 $0.00 Cash Advances 23.99% V $0.00 $0.00 Balance Transfers 0.00% 55,1 93.26 $0.00 V=Variable Rate NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION If you prefer not Io receive your FlCO' Credit Score on your statement, iust call us at 1-800-DISCOVER (1 -800-347-2683). Please give us two billing cycles to process your request. To learn more, visit Discover.com Availability of FICO’ Credit Score As an active cardmember, you may see your FlCO° Credit Score on your monthly statement or online. Reasons why you may not see your FlCO’ Credit Score include: if you have u ioint account; if you opt out; if you have key information that is mismatched or missing, as one example, an address change that has not been updated with Discover or TransUnion; if your credit history is too new; if your account status is abandoned, bankrupt, fraud, lost or stolen, closed, revoked, or charged oft; if you have a foreign address; or if you have no account activity such as no purchase transactions, tees, interest, or payments for approximately 30 days. JANET M BUDERUS Account number ending in 2971 Open Date: Jun 27, 2015- Close Date: Jul 26, 2015 Page 4 of 6 Information For You For more information about how interest charges are calculated see your Cardmember Agreement or go to www.discover.com/interestcharges Transfers For checks that do no? receive the promo APR, the standard APR for cash advances will apply, currently 23.99%. This APR will vary with the market based on the Prime Rate. Use By Date This check must post to your account by 08/1 1/201 5 for the promo APR and fee to apply. If the check posts after 08/1 l /20'| 5, we may still honor this check, but you will not receive the promo APR and fee. Instead the standard APR and fee for cash advances will apply. This APR will vary with the market based on the Prime Rate. Fees 3% of the amount of each transfer if the transfer posts to your account from 06/1 7/201 5 to 08/1 1/201 5. If the check posts after 08/1 1/201 5, the standard cash advance fee of either $10 or 5% of the amount of each transaction, whichever is greater, will apply, as well as the standard cash advance APR. For other balance transfers, the standard balance transfer fee is either $1 0 or 5% of the amount of each transfer, whichever is greater. Paying Interest We will begin charging interest on this check as of the later of the transaction date or the rst day of the billina period in which the transfer hosts tn vmir arr-mint. Dvm ., .. _. .. WsverOMoreardo Account number ending in 2971 Open Date: Jun 27, 2015 - Close Date: Jul 26, 2015 . Page 5 of 6 Transfer higher-rate balances to your Discover card and enioy a low promo rate. If you pay late, we may (i) terminate the availability of this promotional rate for new transactions, and (ii) increase your APR: for new purchases and balance transfers to variable Penalty APRs. We may decline this check if your Account is not in good standing or has insufficient credit available at the time this check is presented for payment. To check credit availability or transfer a balance, visit Discover.com/ba|ancetransfer or call 1-800-767-7339. The use of this check will cause your Account to be charged for the amount of this check plus any applicable fees. Variable rates are based on the Prime Rate in effect as of the last business day of the previous month. Minimum interest Charge: $0.50. See back for additional Important Information. “ promotionalAPR and Fee Seepromotional:offer fo32193 5-GARFIELDAVE- . ' _ details.- €hecksvotd t6r-d- u oses after.02/28/201 6:- - _-_LOVELAND _CO_80537.J33 ' -- - . I: Slauwlodurni-T inci‘odtd“-- ' Z: __ t Detaiimnbedn..’,../ balances wnh lower APKS as of me dale we credit your payment. The minimum payment requirement can cause promotional balances to be paid in full before ihe end of the promotional period. Can l avoid inlet-est on purchases if I transfer a balance? You can avoid interest on new purchases you make if you pay your entire balance in full each month. This means that, unless your purchase APR is at a 0%, you will pay interest on new purchases if you do not pay the balances you transfer under this offer in full by the first payment due date. See your Cardmember Agreement for details. >0 Are there any other limitations or details I should know about this balance transfer offer? Yes. If your account is past due, overlimit, or in default for any other reason stated in your Cardmember Agreement, we may decline to authorize a balance transfer check when it is presented for payment. Furthermore, if your account is in default you may not be able to take advantage of this offer by phone or online. If you use a balance transfer check in other than paper form, we will treat the transaction as a cash advance and your standard Cash advance APR and fee will apply. For example, if you provide the routing number and account number shown on the check to a payee instead of writing the check to the payee, it will be processed as a cash advance. If your account is currently enrolled in a special program or is placed into one during the term of the offer, you will receive the benefit of the lower rate while the special program is in effect. This includes, if applicable , any lower rates as authorized under the Servicemembers Civil Relief Act. >0 JANEI' M BUDERUS Account number ending in 297i Open Date: Jun 27, 2015- Close Date: Jul 26, 2015 Page6 of 6 IMPORTANT INFORMATION ABOUT BALANCE TRANSFERS Do I earn rewards on balance transfers? Balance transfers do not earn rewards. Can I use a balance transfer to pay another Discover® account? No, you may not use a balance transfer to pay any Discover accounts. D >D >0 How can I calculate my savings on interest? . . ' a, fg-H-n-w; gag .- f . - 33 3H BS EO G N E '3 9” N O lin Li JS N t‘ W D N VN H H O :O W ES SI '3 N i'l Si t- II . M 01 39 N 98 w W 15 '3 1! !!“ 10 M O I! " "" """" {he Penalty APR of 17.99% variable. New Balance $1 1,030.62 Minimum Payment Warning: If you make only 1he minimum payment each See Interest Charge Calculation section following the period, you will pay more in interest and it will take you longer ta pay off your Transactions section for detailed APR information balance For example: Credit Line $13,600 V ”mg1kg; ‘ Credit Line Available $2,569 Will I I ls}; :- l‘2“: . , . it . V . lau.- war at" ' ' Cash Advance Credit Line $3,400 Only the minimum payment 22 years $22,O42 . . . $368 3 years $t3,245Cash Advance Credit Line Available $2,569 (savings: s8,797) You may be able to ovoid interest on Purchases. see reverse for details. If you would like information about credit counseling services, call 1-800-347-1 121 . k J r FICO 1 REWARDS . Anniversary Month_ f Cashback Bonus° October DISC VER Discover° More“ CardAccount number ending in 2971 Open Date: May 27, 201 5- Close Date: Jun 26, 201 5 Cardmember Since 2002 Page 1 of6 ACCOUNT SUMMARY PAYMENT INFORMATION - Opening Balance $ 15.46 Your FICO° Credit Score on 6/21/15. New Cashback Bonus This Period moan-Mar More at Discover.com 5% Cashback Bonus + $ 1.69 Everywhere Else + $ 12.75 Redeemed This Period - $ 0.00 Cashback Bonus Balance $ 29.90 To learn more, log in at Discover.com Make Check payable to Discover. Please fold on the perforation below, detach and return with your payment. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Payment Coupon Pay Online Pay by Phone Please do not fold, clip or staple. ‘ Discover.com 1-800-347-2683 IIullllllllllIIIIllulllllIllllllllllllllmllI|||II||ll|||I||ll JANET M BUDERus g21 03 S GARFIELD AVE LOVELAND CO 80537-7337 PO BOX 29033 PHOENIX AZ 85038-9033 Phone and Internet payments must be received by 5PM ET to be credited as of the same day. Address, e-mail or telephone changed? Note changes on reverse side. is processed as an eledronlp tund irgnsfer, the transfer wull be tor the amountof the check. When we use Information fg’om your check to make an electronic fund transfer, funds may be Withdrawn from {our uccqunt as soon as the same day we receive you_r payment, and you WII not receive your check back from your nancial Institution. The processing of your payment may be delayed if you send cash, corres- pondence or other items with your payments, if ou send the payment to any other address, or if you use an envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that da . Payments received at our processing facility after 5PM local time will be cregted to your Account as of the next da . It you have misplaced your envelope, sand your payment to Discover, PO ox 6l03, Carol Stream, IL 601 97-6103. Please allow 7-l O days for delivery. lf your payment is returned un aid, we reserve the right lo resubmit it as an electronic debit. Payments ma e online or by phone will be credited as of the day of receipt if made by 5 PM Eastern time. You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service re resentative by calling 1-800-347-2683. Automatic pa ments for the bi ling period shown on your statement will be deducted on t e Payment Due Date shown on that JANET M BUDERUS Account number ending in 2971 Important lnfomiation See your CardmemberAgreement. Your Cordmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediatelyl Call 1-800-347-2683. What o Do If You Think You Find A-Mistake Qn Your Statement If you ink there is an error on your statement, write to us at: Discover, PO Box 30421 , Salt Lake City, UT 841 30-0421 . You must write to us within 60 days after the error ap eared on your statement. You may call us, but if you do we are not require to investigate any potential errors, and you may have to pay the amount in question. The Billing Rights Notice further explains your s'ta. e‘me'rt'm‘r'th'e'n'ew aaraire-pb'yin‘ehrdaie‘ 'r‘efe'rr'ea‘io on your statement, unless you request a recurring pa ment date (e.p., the 15'” day of the month) that occurs before your Payment Due Date or C ose Date. lf your scheduled payment date falls on o weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4) digits of the social security number of the primary borrower. By providing those numbers as our electronic signature, ou will be agreeing to this authorization to al ow us and your ank to educt each payment you authorize, in the amount selected b you, from your bank account. You also authorize us to initiate debit or cre it entries to your bank account, as applicable, to correct an error in the processin% of such payment. You can cancel a scheduled payment by phone at 1-80 -347-2683 or by mail at Discover, PO Box 30421 , Salt Lake City, UT 841 30-0421 ;payment cancellations must be received before 5 PM ET of the scheduled withdrawal date. If your payments may vary in amount, we will tell ou on each monthly billing statement when your payment will be made and ow much it will be. CHANGE OF ADDRESS DUNK HLLUUIII 1f ', Monthly on the D Payment Due Date [l Close Datej Day of month (insert date) Credit Reporting.We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. lf you believe that our report is inaccurate or incomplete, ease write us at this address: Discover, PO Box 15316,Wilmington, DE 198 0-531 6.Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will not char e you any interest on Purchases if you pay your entire balance by the due ate each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Date or the first day of the billing period in which the transaction posted to your Account. HowWe Calculate Interest Charges. We Use the Dail Balance Method (including current transactions)_to calculate the Balance ubiect to Interest Open Date: May 27, 2015- Close Date: Jun 26, 2015 Page2 of 6 You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. law. You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) Ot er dollar amount. If your scheduled “Other dollaramount" payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. If your scheduled ngment is areoter than )Ihe New Balance on vopéwliétstgwent. thate. t-or more intorma on, please cal us at Balance Sub)ect to Interest Rate. Your statement shows a Balance Subject to Interest Ra . It shows this for each transaction category. The Balance. Sublegt to Interest Rate Is the average of the daily balances during the billing perio . Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billin statement. A credit balance is money that is owed to you. You may make c arges against this amount if our Account is open. We will send you a refund of any remainin balance o $1 .00 or more after 6 months, or as otherwise required by app Icable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Balance Transfers. Balance Transfers are offered at our discretion andaccrue interest at the standard purchase rate unless we tell you otherWIse. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® card is issued by Discover Bank, Member FDIC. TL2a-24N.0215 wr If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Street Address Home Phone Work Phone City Email State, Zip L J To make changes to your address, email or telephone number, visit Discover.com Continued on next page Fuymel‘lls Gnu LI'BCIIS JUn I7 JUI" I7 l'l'IUIVE FAIMCIVI - IMIVK YUU 9 - I YV.UU Merchandise May 28 May 28 PATRIOTH EALTHALUANCE 61 5-81 5-9598 TN 5 149.00 May 28 May 28 PATRIOTHEALTHALLIANCE 61 5-81 5-9598 TN 49.95 May 28 May 28 PATRIOTHEALTHALLIANCE 615-81 5-9598 TN 47.00 Automotive Jun 1 1 Jun I 1 ALLIANCE AUTO CARE INC LOVELAND CO $ 844.64 Travel/Enterlainment Jun 14 Jun 14 HOLIDAY TWIN DRIVE IN FORT COLLINS CO $ 33.75 Jun 20 Jun 20 AMTRAK-MOBILEI AMTRAK.COM DC 184.50 SHARFES/JOCELYN MRS Fees TOTAL FEES FOR THIS PERIOD 5 0.00 Inlerest Charged TOTAL INTEREST FOR THIS PERIOD 5 0.00 201 5 Totals Year-Io-Dale DISC VER Discover” More” CordAccount number ending in 2971 Open DaIe: May 27, 2015 - Close Date: Jun 26, 201 5 Page 3 of 6 . . - -.. .- - A 11.4."... BL--- |_-..:_. u_:| n ._ \ TOTAL FEES CHARGED IN 2015 $ 0.00 TOTAL INTEREST CHARGED IN 2015 5 0.00 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Periodz31 days ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchases 12.99% V $0.00 $0.00 Promotional Purchases Promotional Purchases 0.00% $5,405.93 $0.00 Cash Advances 23.99% V $0.00 $0.00 Balance Transfers 0.00% $5,] 93.26 $0.00 V=Variab|e Rate Information For You For more information about how interest charges are calculated see your Cardmember Agreement or go to www.discover.com/interestcharges NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Availability of FICO° Credit Score As an odive cardmember, you may see your FICO° Credii Score on your monthly siaIemeni or online. Reasons why you may nol see your FICO° Credit Score include: if you have a ioint accouni; if you opt ouf; if you have key informuiion that is mismatched or missing, as one example, an address change that has not been updated with Discover or TransUnion; if your credii history is too new; if your account status is abandoned, bankrupt, fraud, lost or stolen, closed, revoked, or charged off; if you have a foreign address; or if you have no account activity such as no purchase transactions, fees, interest, or payments for approximately 30 days. JANET M BUDERUS Account number ending in 2971 Open Date: May 27, 2015- Close Date: Jun 26, 2015 P0964 of 6 Information For You Continued FICO° Credit Score Terms Vaur Clf‘ne Pvgdio Qanyg in knqu an Ant" In“... Tun-ml lnlnn and man Ln 4130’...“ AIL“.- .nmlu 11-h. :..-..--u-.. t.- :-JA-AAA in. --.J _.A..:.l...l 1.. I runs‘ers For checks that do not receive 1he promo APR, the standard APR for cosh advances will apply, currently 23.99%. This APR will vary with the market based on the Prime Rate. Use By Date This check must post to your account by 08/1 1/201 5 for the promo APR and fee to apply. If the check posts after 08/] 1/201 5, we may still honor this check, but you will not receive the promo APR and tee. Instead the standard APR and fee for cash advances will apply. This APR will vary with the market based on the Prime Rate. Fees 3% of the amount of each transfer if the transfer posts to your account from 06/1 7/201 5 to 08/1 1/201 5. If the check posts after 08/1 1/201 5, the standard cash advance fee of either $10 or 5% of the amount of each transaction, whichever is greater, will apply, as well as the standard cash advance APR. For other balance transfers, the standard balance transfer fee is either $10 or 5% of the amount of each transfer, whichever is greater. Paying Interest We will begin charging interest on this check as of the later of the transaction date or the first day of the billing period in which the transfer posts to your account. DISCQVER Discover” More” CardAccount number ending In 2971 Open Date: May 27, 201 5 - Close Date: Jun 26, 201 5 Page 5 of 6 Transfer higher-rate balances to your Discover card and enioy a low promo rate. Mm%“%VWWWWWWE‘m& g‘im‘émmW-QVWWWWWW: If you pay late, we may (i) terminate the availability of this promotional rate for new transactions, and (ii) increase your APRs for new purchases and balance transfers to variable Penalty APRs. We may decline this check if your Account is not in good standing or has insufficient credit available at the time this check is presented for payment. To check credit availability or transfer a balance, visit Discover.com/balancetransfer or call 1-800-767-7339. The use of this check will cause your Account to be charged for the amount of this check plus any applicable fees. Variable rates are based on the Prime Rate in effect as of the last business day of the previous month. Minimum Interest Charge: $0.50. See back for additional Important Information. 2"]03 s__GARFIELD AVE- ' ZLQVEL-ANI’D .c‘o80532-7_ DOLLARS@mg »: >0 0 u .. . u . - .w v. u... "v uvuu ,vv- yupuvu- lquuuu-mu Flu-IIvIIvI-ul uululmua Iv be paid in {LII gefgre‘the end of the promotional period. Can I avoid inIeresl on purchases if l transfer a balance? You can ovoid interesi on new purchases you make if you pay your entire balance in full each month. This means that, unless your purchase APR is at a 0%, you will pay interest on new purchases if you do not pay the balances you transfer under this offer in full by the first payment due date. See your Cardmember Agreement for details. Are there any other limitations or detailsl should know about this balance transfer offer? Yes. If your account is past due, overlimit, or in default for any other reason stated in your Cardmember Agreement, we may decline to authorize a balance transfer check when it is presented for payment. Furthermore, if your account is in default you may not be able to take advantage of this offer by phone or online. If you use a balance transfer check in other than paper form, we will treat the transaction as a cash advance and your standard Cash advance APR and fee will apply. For example, if you provide the routing number and account number shown on the check to a payee instead of writing the check to the payee, it will be processed as a cash advance. If your account is currently enrolled in a special program or is placed into one during the term of the offer, you will receive the benefit of the lower rate while the special program is in effect. This includes, if applicable , any lower rates as authorized under the Servicemembers Civil Relief Act. JANET M BUDERUS Account number ending in 297] Open Date: May 27, 2015- Close Date: .lun 26, 201 5 Pageé of 6 IMPORTANT INFORMATION ABOUT BALANCE TRANSFERS ‘0 >0 >0 Do I earn rewards on balance transfers? Balance transfers do not earn rewards. Can I use a balance transfer to pay another Discover® account? No, you may not use a balance transfer to pay any Discover accounts. How can I calculate my savings on interest? BH BH BS JO G N H 38 H N O ilf 'll llS M M D N VN H H O d CH M BS BH 'S N I'I Sl l-I L M 01 39 N 93 H O dW ‘v ‘iS '1 LI EI M lO N 0' 3 me rcnuny Hm UI H.777» VurluDlB. New Balance 59’920'78 Minimum Payment Warning: If you make only the minimum payment each See Interest Charge Calculation section following the PeriOd: YOU Wi“ Pay "1°79 in were" and ii Wi" take YO” l°"9°r i0 P°Y Off Your Transadions section for detailed APR information balance. For example: Credit Line $13,600 I ‘ m ‘39? gy; e ‘ _ I g”?Credit Line Available $3,679 I w __j Iggy; 3i}? it; " mg; 1.: ~ H u . 'I;_ _ 1 Cash Advance Credit Line $3,400 Only the minim m payment 21 years $1 ,439 . . . $329 3 years $1 1,844Cash Advance Credit Line Available $3,400 (savings: $7,595) Y be bl t 'd ' t t P h . 5:: :Voeyrse f; deetzilasvm In eras on urc uses If you would like information about credit counseling services, call 1-800-347-1 i2] .' y J F Flco ‘ REWARDS. f O Anniversary MonthCashback Bonus October Discover” More’ Card Account number ending in 297i Open Date: Apr 27, 201 5- Close Date: May 26, 201 5 Cardmember Since 2002 DISC VER' Page 1 of'é ACCOUNT SUMMARY PAYMENT INFORMATION L_ Y°Ur FICOO cred" Score 0n 5/20/1 5} :epvannags':lnaaI::cBeonus This Period 12.93More at Discover.com Everywhere Else 2.53 Redeemed This Period 0 00 s s . Cashback Bonus Balance $ 15.46 To learn more, log in at Discover.com H - + Make Check payable to Discover. Please fold on the perforation below, detach and return with your payment. Payment Coupon 9 Pay Online e Pay by PhonePlease do not fold, clip or staple. Discover.com 18003472683 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION JANET M BUDERus . P - 21 03 s GARFIELD AVE ‘ LOVELAND CO 80537-7337 PO BOX 29033 PHOENIX AZ 85038-9033 Phone and Internet payments must be received by 5PM ET to be credited as of the same day. Address, e-mail or telephone changed? Note changes on reverse side. is processed as an eI-ectronip fund frgnsfer, ihe transfer will be for the amountof 1he check. When we use Informahon fyom your check Io make on electronic fund transfer, funds may be Withdrawn from {our accqunt as soon as the some day we receive your pgyment, and you wrl not recerve yourcheck back from your nancrol Institution. The processing of your payment may be delayed if you send cash, corres- pondence or other items with your payments, if ou send the payment to any other address, or if you use an envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that da . Payments received at our processing facility after 5PM local time will be chted to your Account as of the next do . If you have misplaced your envelope, send your payment to Discover, PO ox 6103, Carol Stream, IL 601 97-6103. Please allow 7-10 days for delivery. If your payment is returned un aid, we reserve the right to resubmit it as an electronic debit. Payments ma e online or by phone will be credited as of the day of receipt if made by 5 PM Eastern time. You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service re resentative by calling 1-800-347-2683. Automatic pa ments for the bi ling period shown on your statement will be deducted on t e Payment Due Date shown on that JANET M BUDERUS Account number ending in 297i Important Information See your CardmemberAgreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately! Call 1-800-347-2683. What 'I'o_ Do If You Think You Find A Mistake On Your Statement lf you think there is an error on your statement, write to us at: Discover, PO Box 30421 , Salt Lake City, UT 841 30-0421. You must write to us within 60 days after the error op eared on your statement. You may call us, but if you do we are not requir to investi ate any potential errors, and you may have to pay the amount in question. T e Billing Rights Notice further explains your statement, or the next automatic payment date referred to on your statement, unless you re uest a recurring paBment date (e.F., the 15'“ day of the month) that occurs be ore your Payment u Date or C ose Date. If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4) digits of the social security number of the primary borrower. By providing those numbers as our electronic si nature, ou will be agreeing to this authorization to allow us and your gunk to educt each payment you authorize, in the amount selected b you, from your bank account. You also authorize us to initiate debit or cre it entries to your bank account, as applicable, to correct an error in the processin of such payment. You can cancel a scheduled payment by phone at 1-80 ~347-2683 or by mail at Discover, PO Box 3042i, Salt Lake City, UT 841 30-0421; yment cancellations must be received before 5 PM ET of the schegualed withdrawal date. If your payments moy vary in amount, we will tell ou on each monthly billing statement when your payment will be made and ow much it will be. CHANGE OF ADDRESS Bank Account # ; Monthly on the D Payment Due Date U Close Date D Day of month (insert date) Credit Reporting.We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. lf you believe that our report is inaccurate or incomplete, please write us at this address: Discover, PO Box 153i 6,Wilmington, DE 19850-53] 6.Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will not charge you any interest on Purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Date or the rst day of the billing period in which the transaction posted to your Account. HowWe Calculate Interest Charges.We Use the Dail Balance Method lindudina current transactions) to calculate the Balance ubiect to Interest Open Date: Apr 27, 2015 - Close Date: May 26, 2015 Page2 of 6 You must ensure that sufcient funds are available in your bank account, and all transactions must comply with U.S. law. You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, iii) statement Minimum Payment Due plus a xed dollar amount, or (iv) Ot er dollar amount. If your scheduled "Other dollaramount" payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased lo cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. If your scheduled~.MA-5J. a-nain. 0L-.. at..- Mr... n..l....-- .. 55-...-.“ sL-I.I .0 ate. For more information, please call us at 1-800-347-2683. Ba ance Subtlect to Interest Rate. Your statement shows a B‘ance Subject to 'nterest Ra e. It shows this for each transaction caregory. _e Ballargz'e Susuegt to Interest Rate Is the average of the daily ba'ances during t e i ling perio . Credit Balances. lf your Account has a credit balance, the amount is shown on the front of your billin statement. A credit balance is money that is owed to you. You may make c urges against this amount if our Account is open. We will send you a refund of any remainin balance o $1 .00 or more after 6 months, or as otherwise required by app icable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Balance Transfers. Balance Transfers are offered at our discretion andaccrue interest at the standard purchase rate unless we tel you otheMise. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® card is issued by Discover Bank, Member FDIC. TL23-24Nmts F W If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Street Address Home Phone Work Phone City Email State, Zip L j To make changes to your address, email or telephone number, visit Discover.com Continued on neid page Payments and Credits May 13 May 14 TMF‘BILLING.FOOL.COM 855-695-3665 VA $ -99.00 81 751 31 May 19 May 19 PHONE PAYMENT - THANK You .1 98.00 Merchandise May 13 May 13 TMF‘BILLING.F00L.COM 855-695-3665 VA s 99.00 81 751 31 Travel/Emanuinmem May s May 5 ENTERPRISE CAR RENTA SAN 105E CA s 253.60 Fees TOTAL FEES FOR THIs PERIOD $ 0.00 Interest Charged TOTAL INTEREST Eon THIs PERIoD $ 0.00 201 5 Totals Year-io-Date TOTAL FEES CHARGED IN 2015 $ 0.00 TOTAL INTEREST CHARGED IN 2015 s 0.00 DISC VER ‘ Discover” More” Cord Accouni number ending in 2971 Open Daie: Apr 27, 201 5 - Close Date: May 26, 2015 Page 3 of 6 r \ Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period-30 days ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchases 12.99% V $0.00 $0.00 Promotional Purchases Promotional Purchases 0.00% $4,808.39 $0.00 Cash Advances 23.99% V $0.00 $0.00 Balance Transfers 0.00% 55,1 93.26 $0.00 V=Variable Rate Information For You For more information about how interest charges are calculated see your Cardmember Agreement or go to www.discover.com/Interestcharges Your card has a new security feature - Freeze It‘" When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers. However, some activity will continue, including bills that merchants mark as recurring, as well as returns, credits, dispute adiustments, payments, Discover protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions. Learn more at discover.com/security Effective August l, 201 5 Discover card will discontinue the following benefits: 24/7 Travel Assistance, Baggage Delay Insurance, and Emergency Roadside Assistance. Discover Card purchases made on or after August 1 will not be covered by these benefits. Please visit Discover.com/cardbenets for details on these benefits. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Availability of FICO° Cradii Score As an udive cardmember, you may see your FICO° Credit Score on your monIhIy statement or online. Reasons why you may not see your FICOO Credit Score include: if you have a ioint account; if you opt out; if you have key information that is mismatched or missing, as one example, an address change that has not been updated with Discover or TransUnion; if your credit history is too new; if your account status is abandoned, bankrupt, fraud, lost or stolen, closed, revoked, or charged off; if you have a foreign address; or if you have no account activity such as no purchase transactions, fees, interest, or payments for approximately 30 days. JANET M BUDERUS Account number ending in 2971 Open Date: Apr 27, 2015- Close Date: May 26, 201 5 Page4 of 6 Information For You Continued FICO° Credit Score Terms Transfers For checks that do no? receive the promo APR, the standard APR for cash advances will apply, currently 23.99%. This APR will vary with the market based on the Prime Rate. Use By Date This check must post to your account by 06/1 6/201 5 for the promo APR and fee to apply. If the‘ check posts after 06/1 6/201 5, we may still honor this check, but you will not receive the promo APR and fee. Instead the standard APR and tee for cash advances will apply. This APR will vary with the market based on the Prime Rate. Fees 3% of the amount of each transfer if the transfer posts to your account from 04/22/201 5 to 06/1 6/201 5. If the check posts after 06/1 6/201 5, the standard cash advance fee of either $1 O or 5% of the amount of each transaction, whichever is greater, will apply, as well as the standard cash advance APR. For other balance transfers, the standard balance transfer fee is either $10 or 5% of the amount of each transfer, whichever is greater. Paying Interest We will begin charging interest on this check as of the later of the transaction date or the first day of DISCQVER‘ " Discovero MergedAccount number endIng In 2971 Open Date: Apr 27, 2015 - Close Date: May 26, 2015 Page 5 of 6 Transfer higher-rate balances to your Discover card and enioy a low promo rate. l I lne Dllllng periOd In WhlCh the Trans‘l'el’ pOSiS t0 YOUF OCCOUnT. I If you pay late, we may (i) terminate the availability of this promotional rate for new transactions, and (ii) increase your APRs for new purchases and balance transfers to variable Penalty APRs. We may decline this check if your Account is not in good standing or has insufcient credit available at the time this check is presented for payment. To check credit availability or transfer a balance, visit Discover.com/balancetransfer or call 1-800-767-7339. The use of this check will cause your Account to be charged for the amount of this check plus any applicable fees. Variable rates are based on the Prime Rate in effect as of the last business day of the previous month. Minimum Interest Charge: $0.50. See back for additional Important Information. >0 >0 cucn unung penou, we wm generally apply amounts you puy Ina! exceea me Mlnlmum rayrnenl uue Io Dalances wnn nlgner ArKs Derore balances with lower APRs as of the date we credii your payment The minimum payment requirement can cause promotional balances to be paid in full before the end of the promotional period. Cun I avoid interest on purchases if I transfer a balance? You can avoid interest on new purchases you make if you pay your entire balance in full each month. This means that, unless your purchase APR is at a 0%, you will pay interest on new purchases if you do not pay the balances you transfer under this offer in full by the rst payment due date. See your Cardmember Agreement for details. Are there any other limitations or detailst should know about this balance transfer offer? Yes. If your account is past due, overlimit, or in default for any other reason stated in your Cardmember Agreement, we may decline to authorize a balance transfer check when it is presented for payment. Furthermore, if your account is in default you may not be able to take advantage of this offer by phone or online. lf you use a balance transfer check in other than paper form, we will treat the transaction as a cosh advance and your standard Cash advance APR and fee will apply. For example, if you provide the routing number and account number shown on the check to a payee instead of writing the dweck to the payee, it will be processed as a oash advance. If your account is currently enrolled in a special program or is placed into one during the term of the offer, you will receive the benefit of the lower rate while the special program is in effect. This includes, if applicable , any lower rates as authorized under the Servicemembers Civil Relief Act. JANET M BUDERUS Account number ending in 2971 Open Date: Apr 27, 20] 5- Close Date: May 26, 2015 Page 6 of 6 IMPORTANT INFORMATION ABOUT BALANCE TRANSFERS Q A Q A Do I earn rewards on balance transfers? Balance transfers do not earn rewards. Can l use a balance transfer to pay another Discover® account? No, you may not use a balance transfer to pay any Discover accounts. SH BH SS EI O G N B as n M om m a“ It w m m N H no t oa nu as au ‘a t- tn Si t- u M 01 39 N 91 5 so ar m s ’m am 10 M or : wv.vv the Penalty APR of 1 7.99% variable. New Balance $9,865.] 8 . . . . .Minimum Payment Warning: If you make only the minimum payment each See Interest Charge Calculation section following the period, you will pay more in interest and it will take you longer lo pay off your Transactions section for deloiled APR information balance. For example: Credit Line $1 3,600 ‘ ' ' ‘ Credit Line Available $3,734 _ , at . . V I _ Cash Advance Credit Line $3,400 Only the minimum payment 21 years $1 9,101 . . . $325 3 years $1 1,716Cash Advance Credit Lune Available $3,400 (savings: $7,385) Y b bl t 'd ' t t P ch . 5:: '25:“:er dedoauslfm In ere: on w uses if you would like information about credit counseling services, call 1-800-347-1 121 . a J f Flco ‘ REWARDS. Anniversary Monthof Cashback Bonus Odober DISC VER Discover“ More” Card Account number ending in 297i Open Date: Mar 27, 201 5- Close Date: Apr 26, 2015 Cardmember Since 2002 Page 1 of 6 Opening Balance $ 12.93 Your FlCO° Credit Score on 4/20/1 5. New Cashback Bonus This Period + $ 0.00 nova-mm More at Discover.com Redeemed This Period - $ 0.00 Cashback Bonus Balance $ 12.93 To learn more, log in at Discaver.com Make Check payable to Discover. Please fold on the perforation below, detach and return with your payment. NOTICE: SEE REVERSE SIDE FOR IMPORTANT 'NFORMATION Payment Coupon 9 Pay Online e Pay by PhonePlease do not told, clip or staple. Discover.com 18003472683 JANET M BUDERUS l" ' 21 O3 S GARFIELD AVE 9 LOVELAND CO 80537-7337 PO BOX 29033 PHOENIX AZ 85038-9033 Phone and lnternet payments must be received by 5PM_ET to be credited as otthe some day. llll'll'll'"Ill"ll'llllIIllIIIIIII|III|IIHIIIIIIIIIlll'lllll" Address, e-mail or telephone changed? Note changes on reverse side. Ull ’UUI bl U. IU [Ubu§? Pu IIIU'" u I. Ull3uLI'Ulla II u Puylllvl II is processed as an e edronlc fund ansfer, the transfer will be for the amount of the check. When we use informaon from your check 10 make an eledronic fund transfer, funds may be wi'hdrown from our accqunt as soonas t e some uy we receive your pgyrnent, an you wil not receive yourcheck back from your nancual Insinutlon. The processing of your payment may be delayed if you send cash, corres- pondence or other items wiih your paymenis, if ou send the payment to any other address, or if you use an envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that da . Payments received at our processing facility after 5PM local time will be cre ited to your Account as of the next da . If you have misplaced your envelope, send your payment to Discover, PO ox 6103, Carol Stream, IL 601 97-61 03. Please allow 7~l 0 days for delivery. If your payment is returned un aid, we reserve the right to resubmit it as an electronic debit. Payments ma e online or by phone will be credited as of the day of receipt if made by 5 PM Eastern time. You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1-800-347-2683. Automatic payments for the billing period shown nrl vnnr ctr-turnout will l'm rlnrinrtnrl nn t n Prwmnnt nun nntn el‘num an that JANET M BUDERUS Account number ending in 2971 Important Information See your CardmemberAgreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediatelyl Call 1-800-347-2683. What To Do It You Think You Find A Mistake Qn Your Statement If you think there is an error on your statement, wnte to us at: Discover, PO Box 30421 , Salt Lake City, UT 841 30-0421 . You must wn'te to us within 60 days after the error ap eared on your statement. You may call us, but if you do we are not requir to investi ate any potential errors, and you may have tsegeuhegmpummpysstmoj kill-m: .RthtsNQyse Mbemxolqms yew statement, or the next automatic payment date referred to on your statement, unless you request a recurring paEment date (e.g., the 15'“ day of the month) that occurs before your Payment u Date or C ose Date. If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. ln order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4) digits of the social security number of the primary borrower. By providing those numbers as our electronic signature, ou will be agreeing to this authorization to aliow us and your bank to deduct each payment you authorize, in the amount selected b you, from your bank account. You also authorize us to initiate debit or cre it entries to your bank account, as applicable, to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1-80 -347-2683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 841 30-0421 ; payment cancellations must be received before 5 PM ET of the scheduled withdrawal date. If your payments may vary in amount, we will tell ou on each monthly billing statement when your payment will be made and ow much it will be. CHANGE OF ADDRESS Bank Account # ; Monthly on theD Payment Due Date U Close Date D Day of month (insert date) Credit Reporting.We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at this address: Discover, PO Box 15316,Wilmington, DE 19850-5316.Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will not charge you any interest on Purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Date or the first day of the billing period in which the transaction posted to your Account. HowWe Calculate Interest Charges. We Use the Daily Balance Method finrlnriinn rnrrnnt Ornneninnd in rnlrnln’n ’ka Rnlnnrn ”Hint-t ta In Open Date: Mar 27, 201 5- Close Date: Apr 26, 201 5 Page 2 of 6 You must ensure that sufcient funds are available in your bank account, and all transactions must comply with U.S. law. You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) 0t er dollar amount. If your scheduled “Other dollar amount" payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. If your scheduled ‘uumuunle "\Euauc-uvhe nu. uu. '.' ‘u sat-1p.“ unblem Rate. For more information, please call us at 1-800-347-2683. Balance Sub)ect to Interest Rate. Your statement shows a Balance Subiect to Interest Ra . It shows this for each transaction cazegory. The 811mg? Sublegt to Interest Rate is the average of the daily ba ances dunngt e iling perio . Credit Balances. lf your Account has a credit balance, the amount is shown on the front of your billin statement. A credit balance is money that is owed to you. You may make charges against this amount if our Account is open. We will send you a refund of any remainin balance o $1 .00 or more after 6 months, or as othenNise required by app Icable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Balance Transfers. Balance Transfers are offered at our discretion andaccrue Interest at the standard purchase rate unless we tel you otherw:se. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® card is issued by Discover Bank, Member FDIC. TL23-24N.0215 W If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Street Address Home Phone Work Phone City Email State, Zip c To make changes to your address, email or telephone number, visit Discover.com Continued on next page Paymenls and Credits Apr 19 Apr 19 PHONE PAYMENT - THANK YOU $ -202.00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged TOTAL INTEREST FOR THIS PERIOD 5 0.00 201 5 Totals Year-Io-Date TOTAL FEES CHARGED IN 2015 3 0.00 TOTAL INTEREfST CHARGED IN 2015 s 0.00j Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period:31 days ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchases 12.99% V $0.00 $0.00 DISCVER Discover" More° CardAccount number ending in 297i Open Date: Mar 27, 201 5 - Close Date: Apr 26, 201 5 Page 3 of 6 CONTACT US Ffomollonal Purchases Promotional Purchases 0.00% $4,821 .79 $0.00 Cash Advances 23.99% V $0.00 $0.00 Balance Transfers 0.00% 55,1 93.26 $0.00 V=Variable Rate I Information For You For more information about how interest charges are calculated see your Cardmember Agreement or go to www.discover.com/interestcharges FICO’ Credit Score Terms Your FICO° Credit Score is based on data from TransUnion and may be different from other credit scores. This information is intended for and provided to the Primary cardmembers only that have an available score and is provided on the statement for individual accounts and on Discover.com for individual and ioint accounts. See Discover.com/FICO about the availabiliw of your score. Discover and other lenders may use different inputs like a FICO’ Credit Score, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries. if you prefer not to receive your FICO° Credit Score on your statement, iust call us at 1-800-DISCOVER (I -800-347-2683). Please give us two billing cycles to process your request. To learn more, visit Discover.com Availability ot FICO° Credit Score As 'an active cardmember, you may see your FICO° Credit Score on your monthly statement or online. Reasons why you may not see your FICO° Credit Score include: if you have a ioint account; if you opt out; if you have key information that is mismatched or missing, as one example, an address change that has not been updated with Discover or TransUnion; if your credit history is too new; if your account status is abandoned, bankrupt, fraud, lost or stolen, closed, revoked, or charged off; it you have a foreign address; or if you have no account activity such as no purchase transactions, fees, interest, or payments for approximately 30 days. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION JANET M BUDERUS Account number ending in 2971 Open Date: Mar 27, 2015 - Close Date: Apr 26, 201 5 P0994 of 6 Transfers For checks that do not receive the promo APR, the standard APR for cash advances will apply, currently 23.99%. This APR will vary with the market based on the Prime Rate. Use By Date This check must post to your account by 06/1 6/201 5 for the promo APR and fee to apply. It the check posts after 06/] 6/201 5, we may still honor this check, but you will not receive the promo APR and fee. Instead the standard APR and tee for cash advances will apply. This APR will vary with the market based on the Prime Rate. Fees 3% of the amount of each transfer if the transfer posts to your account from 04/22/201 5 to 06/1 6/201 5. If the check posts after 06/] 6/201 5, the standard cash advance tee of either $l0 or 5% of the amount of each transaction, whichever is greater, will apply, as well as the standard cash advance APR. For other balance transfers, the standard balance transfer fee is either $10 or 5% of the amount of each transfer, whichever is greater. Paying Interest We will begin charging interest on this check as of the later of the transaction date or the first day of VER- Discover“ More” CardAccount number ending in 2971 Open Date: Mar 27, 201 5 - Close Date: Apr 26, 201 5 Page 5 of 6 DISC Transfer higher-rate balances to your Discover card and enioy a low promo rate. I I the billing period in which the transter posts to your account. I If you pay lute, we may (i) terminate the availability of this promotional rate for new transactions, and (ii) increase your APRs for new purchases and balance transfers to variable Penalty APRs. We may decline this check if your Account is not in good standing or has insufficient credit available at the time this check is presented for payment. To check credit availability or transfer a balance, visit Discover.com/balancetra'nsfer or call 1-800-767-7339. The use of this check will cause your Account to be charged for the amount of this check plus any applicable fees. Variable rates are based on the Prime Rate in effect as of the last business day of the previous month. Minimum Interest Charge: $0.50. See back for additional Important Information. This checkmust postby 96/1_6/20_15.to*get_your promotionalAPRand Fee-Seepromotional offer .for' >0 >0 balances with lower APRs as of the date we credit your payment. The minimum payment fequirement can cause promotional balances to be paid in full before the end of the promotional period. Can I avoid interest on purchases if I transfer a balance? You can avoid interest on new purchases you make if you pay your entire balance in full each month. This means that, unless your purchase APR is at a 0%, you will pay interest on new purchases if you do not pay the balances you transfer under this offer in full by the first payment due date. See your Cardmember Agreement for details. Are there any other limitationsor detailsl should know about this balance transfer offer? Yes. If your account is past due, overlimit, or in default for any other reason stated in your Cardmember Agreement, we may decline to authorize a balance transfer check when it is presented for payment. Furthermore, if your account is in default you may not be able to take advantage of this offer by phone or online. If you use a balance transfer check in other than paper form, we will treat the transaction as a cosh advance and your standard Cash advance APR and fee will apply. For example, if you provide the routing number and account number shown on the check to a payee instead of writing the check to the payee, it will be processed as a cash advance. If your account is currently enrolled in a special program or is placed into one during the term of the offer, you will receive the benefit of the lower rate while the special program is in effect. This includes, if applicable , any lower rates as authorized under the Servicemembers Civil Relief Act. JANET M BUDERUS Account number ending in 2971 Open Date: Mar 27, 2015- Close Date: Apr 26, 2015 Pageé of 6 IMPORTANT INFORMATION ABOUT BALANCE TRANSFERS D >D >0 Do I earn rewards on balancetransfers? Balance transfers do not earn rewards. Can I use a balance transfer to pay another Discover® account? No, you may not use a balance transfer to pay any Discover accounts. Haw run I rnlrulntn mv anvil-n: on intareat? Sa il- l BS U O G N B 39 H N O lln ltl SN t' IV D N VN H H O S O EM ES BX 'B N I'I Sl H J. M 01 39 N O IS 80 W 15 31 13 M LO N 00 ihe Penalty APR of 1 7.99% variable. I New Balance $10961] 8 Minimum Payment Warning: If you make only Qhe minimum payment each See Interest Charge Calculation section followmg the period, you will pay more in interesl and it will fake you longer lo pay off your Transadions section for detailed APR informalion balance. For example: Credit Line $1 3,600 ' ' ' Credit Line Available $3,532 A .. .y ‘ Cash Advance Credit Line $3,400 l “21' year Cash Advance Credit Line Available $3,400 $330 I 3 years $1 1,895 You may be able to ovoid interest on Purchases. (SOVIHQF $7,408) See reverse for details. K J r N FICO L If you would like information about credit counseling services, call 1-800-347-1 1 2i .' J DISC VER Discover” More” CardAccount number ending in 2971 Open Date: Feb 27, 201 5- Close Date: Mar 26, 2015 Cardmember Since 2002 Page 1 of 8 ACCOUNT SUMMARY PAYMENT INFORMATION- Your FICO° Credit Score on 3/20/1 5. REWARDS j minimu- More at Discover.com cashback Bonuso Ann've'sarY M°nlhOctober Opening Balance $ 108.07 New Cashback Bonus This Period Everywhere Else + $ 4.86 Redeemed This Period - $ 100.00 Cashback Bonus Balance $ 12.93 To learn more, log in at Discover.com Make Check payable to Discover. Please fold on the perforation below, detach and return with your payment. NOTICE: SEE REVERSE SlDE FOR IMPORTANT 'NFORMATION Payment Coupon e Pay Online Q Pay by PhonePlease do not told, clip or staple. Discover.com 1-800-347-2683 JANET M BUDERus ' . ‘1-2103 s GARFIELD AVE LOVELAND CO 80537-7337 PO BOX 29033 PHOENIX AZ 85038-9033 I Ill II I ll- II I l l IIIIIII III Inlllll II I Ill Phone and Internet payments mustbe received by 5PMETto be credited as ofthe same day. II I I ll I I I II ll " I I l I lllll II Address, e-mail or telephone changed? Note changes on reverse side. U” yUUI UI [U 'ULUh? IIIU Pu IIIUIII u VIICLK "ul IEULIIUII. H u Puyllle'“ is processed as an e ectronlp fund rgnsfer, the transfer wnll be for the amountof 1he check. When we use Information from your check lo make unelectronic fund transfer, funds may be Withdrawn from {our accquni as soon as the some day we receive your pgyrnent, and you wul not receive yourcheck back from your nanCIal Institution. ' The processing of your payment may be delayed if you send cash, corres- pondence or other items with your payments, if you send the payment to any other address, or if you use an envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that da . Payments receivedt our processing facility after 5PM local time will be cre ited to your Account as of the next da . If you have mis laced your envelope, send your payment to Discover, PO ox 6103, Carol tream, IL 601 97-6103. Please allow 7-10 days for delivery. If your payment is returned un aid, we reserve the right to resubmit it as an electronic debit. Payments ma e online or by phone will be credited as of the day of receipt if made by 5 PM Eastern time. You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service re resentative by calling 1-800-347-2683. Automatic payments for the bi ling period shown rm «Mama.» will kn And-won‘t on o n P ummo nun nut. elm“... m. um» JANET M BUDERUS Account number ending in 2971 Important Information See your CardmemberAgreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately! Call 1-800-347-2683. What To Do If You Think You Find A Mistake Qn Your Statement If you think there is an error on your statement, write to us at: Discover, PO Box 30421 , Salt Lake City, UT 841 30-0421 . You must write to us within 60 days after the error ap ared on your statement. You may call us, but if you do we are not require to investigate any potential errors, and you may have togethemwmmpysmmmlheillmmtitstqse timberexnlqwavmr statement, or the next automatic payment date referred to on your statement, unless you re uest a recurring pa ment date (e. ., the 15"" day of the month) that occurs b ore your Payment ue Date or Cgose Date. If your scheduled payment date falls on a weekend or bank holiday, your payment will be‘ processed the business day prior to the weekend or bank holiday. ln order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4) digits of the social security number of the primary borrower. By providing those numbers as our electronic signaturegou will be agreeing to this authorization to al ow us and your bank to educt each payment you authorize, in the amount selected b you, from your bank account. You also authorize us to initiate debit or magi entries to your bank account, as applicable, to correct an error in the processin% of such payment. You can cancel a scheduled payment by phone at 1-80 -347-2683 or by mail at Discover, PO Box 30421 , Salt Lake City, UT 841 30-0421;payment cancellations must be received before 5 PM ET of the scheduled withdrawal date. It your payments may vary in amount, we will tell ou on each monthly billing statement when your payment will be made and ow much it will be. CHANGE OF ADDRESS Bank Account # - i Monthly on the U Payment Due Date UClose Date [l Day of month (insert date) Credit Reporting.We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at this address: Discover, PO Box 1531 6,Wilmington, DE 19850-531 6.Flease include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will not charge you any interest on Purchases if you pay your entire balance y the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Date or the rst day of the billing period in which the transaction posted to your Account. HowWe Calculate Interest Charges. We Use the Daily Balance MethodunpluAh-m rune-u ‘mnmainnd on entrutnon it“. nah-mm .kzm-o on Inn..-» Open Date: Feb 27, 201 5- Close Date: Mar 26, 201 5 Page2 of 8 You must ensure that sufcient funds are available in your bank account, and all transactions must comply with U.S. law. You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, iii) statement Minimum Payment Due plus a xed dollar amount, or (iv) Ot er dollar amount. if your scheduled "Other dollaramount" payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. lf the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. If your scheduled("luau-rig mar-cm .uw-iouCrruha, Iv'ulrunulc in: uunhl'ttc uuulcu nu unclear Rate. For more information, please call us at 1-800-347-2683. Balance Sub'ect to Interest Rate. Your statement s'tows a Bg‘lance Subiect to Interest Ra e. lt showstnrs for each transa ion cazegory. T .e B largeub] to Interest Rate I t e average of the aily ba ances during t e I ling perro . Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billin statement. A credit balance is money that is owed to you. You may make c arges against this amount if our Account is open. We will send you a refund of any remainin balance o $1 .00 or more after 6 months, or as otherwise required by app icable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Balance Transfers. Balance Transfers are offer d at our iscretion andaccrue Interest at the standard purchase rate un ess we tel you otherwrse. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® card is issued by Discover Bank, Member FDIC. TL23-24N.o215 r If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. 1 Street Address Horne Phone Work Phone City Email State, Zip k To make changes to your address, email or telephone number, visit Discover.com Continued on next page Paymenls and Credits Mar 17 Mar 1 7 PHONE PAYMENT - THANK YOU $ -300.00 Award and Rebaie Credits Feb 27 Feb 27 REWARD STATEMENT CREDIT $ 400.00 Travel/Entertainment Mar 12 Mar I 2 SW A R DALLAS TX $ 12.50 Mar 12 Mar T2 SW A R DALLAS TX 12.50 Mar 12 Mar T2 SW A R DALLAS TX 2] 8.00 Mar 12 Mar 12 SW A R DALLAS TX 12.50 Mar 12 Mar 12 SW A R DALLAS TX 12.50 Mar 12 Mar 12 SW A R DALLAS TX I 21 8.00 Fees TOTAL FEES FOR THIS PERIOD 3 0.00 Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 0.00 DISC VER Discover” More° Card Account number ending in 2971 Open Date: Feb 27, 201 5 - Close Date: Mar 26, 201 5 Page 3 of 8 201 5 Totals Year-to-Date TOTAL FEES CHARGED IN 2015 5 0.00 TOTAL INTEREST CHARGED IN 2015 5 0.00 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period28 days ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchases 12.99% V $0.00 $0.00 Promotional Purchases Promotional Purchases 0.00% $4,841 .1 2 $0.00 Cash Advances 23.99% V $0.00 $0.00 Balance Transfers 0.00% $5,] 93.26 $0.00 V=Variable Rate Information For You For more information about how interest charges are calculated see your Cardmember Agreement or go to www.discover.comnterestcharges NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Availability of FICO° Credit Score As an active cardmember, you may see your FICO° Credit Score on your monthly statement or online. Reasons why you may not see your FICO” Credit Score include: if you have a ioint account; if you opt out; if you have key information that is mismatched or missing, as one example, an address change that has not been updated with Discover or TransUnion; if your credit history is too new; if your account status is abandoned, bankrupt, fraud, lost or stolen, closed, revoked, or charged off; if you have a foreign address; or if you have no account activity such as no purchase transactions, fees, interest, or payments for approximately 30 days. Your Billing Rights: Keep This Document For Future [ This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. What To Do It You Find A Mistake On Your Statement It you think there is on error on your statement, write to us at: Discover an Rm 'znAm JANET M BUDERUS Account number ending in 297i Open Date: Feb 27, 201 5- Close Date: Mar 26, 2015 Page4 of 8 Information For You Continued FlCO° Credit Score Terms I v uvn I Salt Lake City, UT 84l30-0421 In your letter, give us the following information: - Account information: Your name and account number. - Dollar amount: The dollar amount of the suspected error. - Date: The date of the suspected error. - Description of problem: if you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us: - Within 60 days after the error appeared on your statement. - By 5:00 P.M. on the date of your scheduled automated payment withdrawal it you want to cancel or modify your payment. You must notify us of any potential errors in writing. You may call us, but if you do we are not necessarily required to investigate any potential errors and you may have to pay the amount in question. What Will Happen After We Receive Your Letter When we receive your letter, we must do two things: l. Within 30 days of receiving your letter, we must tell you in writing that we received your letter. We will also tell you if we have already corrected the error. 2. Within 90 days of receiving your letter, we must either correct the error and notify you in writing of the correction or explain to you in writing why we believe the bill is correct. While we investigate whether or not there has been an error: - We cannot try to collect the amount and related interest in question or report you as delinquent on that amount. ' The charge in question may continue to appear on your statement. ' While you do not have to pay the amount in question, you are responsible for the remainder of your balance. - We can apply any unpaid amount against your credit limit. After we finish our investigation, one of two things will happen: - If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. - lf we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the If we do not follow all of the rules above, you do no? have to pay the first $50 of the amount you question even if your bill is correct. Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with th mrchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: l. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services, or if the company that sold you the goods or services owns us.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Discover PO Box 30945 Salt Lake City, UT 841 30-0945 While we investiaate. the same rules aoolv to the disputed amount as discussed above After we finish nur investinntinn we will tell vmi our DISCQVER Discover” More” CardAccount number ending in 297i Open Date: Feb 27, 2015 - Close Date: Mar 26, 201 5 Page 5 of 8 Information For You Continued .. .... ._ -.-,.-.-_ _._ _..___._--_. -_-.-. . . . --. ..- ..... decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION JANET M BUDERUS Account number ending in 2971 Open Dole: Feb 27, 2015- Close Date: Mar 26, 201 5 Page 6 of 8 Transfers For checks that do not receive the promo APR, the standard APR for cash advances will apply, currently 23.99%. This APR will vary with the market based on the Prime Rate. Use By Date This check must post to your account by 04/21 /201 5 for the promo APR and fee to apply. If the check posts after 04/21 /20l 5, we may still honor this check, but you will not receive the promo APR and fee. Instead the standard APR and fee for cash advances will apply. This APR will vary with the market based on the Prime Rate. Fees 3% of the amount of each transfer if the transfer posts to your account from 02/1 l /201 5 to 04/21 /201 5. If the check posts after 04/21/201 5, the standard cash advance fee of either $10 or 5% of the amount of each transaction, whichever is greater, will apply, as well as the standard cash advance APR. For other balance transfers, the standard balance transfer fee is either $10 or 5% of the amount of each transfer, whichever is greater. Paying Interest We will begin charging interest on this check as of the later of the transaction date or the first day of LL- Lill' 2....J ' L2-L sL- 1.-.......... _......|.. A- ..-.. s DISC VER . Discover” More“ CardAccount number ending In 2971 Open Date: Feb 27, 201 5 - Close Date: Mar 26, 201 5 Page 7 of 8 Transfer higher-rate balances to your Discover card and enioy a low promo rate. I0 yvur uucuunl. ‘ l If you pay late, we may (i) terminate the availability of this promotional rate for new transactions, and (ii) increase your APRs for new purchases and balance transfers to variable Penalty APRs. We may decline this check if your Account is not in good standing or has insufficient credit available at the time this check is presented for payment. To check credit availability or transfer a balance, visit Discover.com/balancetransfer or call 1-800-767-7339. The use of this check will cause your Account to be charged for the amount of this check plus any applicable fees. Variable rates are based on the Prime Rate in effect as of the last business day of the previous month. Minimum Interest Charge: $0.50. See back for additional Important Information. \NEIMBUDERUS-__ - I promotionalAPRandFee-S_e_e_promof'ortaloffer for _Zl 03-SZGARFlEl-DAVE-/ ‘ _ details.Cecksvotd for-all purposes ofteE10/3] 7201-5- w LQYELAND co30537,.7337_ . . \'\ 30 .9 “. Ill u' ir lll l‘l \ \‘. \\ \ _. >0 >0 tucn billing period, we wul generally apply amounts you pay that exceed the Mtnlmum Payment Uue to balances Wtth htgher APKs before balances with lower APR: as of the date we credit your payment. The minimum payment requirement can cause promotional balances to be paid in full before the end of the promotional period. Can I avoid interest on purchases it I transfer a balance? You can avoid interest on new purchases you make if you pay your entire balance in full each month. This means that, unless your purchase APR is at a 0%, you will pay interest on new purchases if you do not pay the balances you transfer under this offer in full by the first payment due date. See your Cardmember Agreement for details. Are there any other limitations or details t should know about this balance transfer offer? Yes. If your account is past due, overlimit, or in default for any other reason stated in your Cardmember Agreement, we may decline to authorize a balance transfer check when it is presented for payment. Furthermore, if your account is in default you may not be able to take advantage of this offer by phone or online. If you use a balance transfer check in other than paper form, we will treat the transaction as a cash advance and your standard Cash advance APR and fee will apply. For example, if you provide the routing number and account number shown on the check to a payee instead of writing the check to the payee, it will be processed as a cash advance. If your account is currently enrolled in a special program or is placed into one during the term of the offer, you will receive the benefit of the lower rate while the special program is in effect. This includes, if applicable , any lower rates as authorized under the Servicemembers Civil Relief Ad. JANET M BUDERUS Account number ending in 2971 Open Date: Feb 27, 201 5- Close Date: Mar 26, 201 5 Page 8 of 8 IMPORTANT INFORMATION ABOUT BALANCE TRANSFERS Q A Q A Do I earn rewards on balance transfers? Balance transfers do not earn rewards. Can I use a balance transfer to pay another Discover® account? No, you may not use a balance transfer to pay any Discover accounts. 'E SI 'I N O llf lU lS N t' IV ID N VN H H O :( BA BE S! '3 N l'l SI H J. M 01 39 N 51 5 H O W 15 'E JJI M lO N O G SH BH SS H O G N B + purcnuse and balance transter ArKs tor new transactions may be Increased up towere“ Charged so'oo the Penalty APR of 17.99% variable. New Balance 39’98] '1 a Minimum Payment Warning: If you make only the minimum payment each See Interest Charge Calculation section following the period, you will pay more in interest and it will take you longer to pay off your Transactions section for detailed APR information balance. For example: Credit Line $1 1,300 W _ Credit Line Available $1 ,3] 8 r I _ . - . . ~ a. ' s, . ‘H‘mnsrwe ‘ n COSh AdVOHCe Cred" Line $3.400 Only the minimum payment 21 years $1 8,910 Cash Advance Credit Line Available $1 ,3 l e $326 3 Yams (Savirfés‘jgA 79) You may be able to avoid interest on Purchases. . . . . . _ see reverse for detoih If you would like lnformatton about credit counseling servtces, call 1-800-347-1 121 .k k J J r- REWARDS- l Cashback BonUS® Annivmmz‘hf'll DISC KVER Discover’ More” CardAccount number ending in 2971 Open Date: .Ian 27, 201 5- Close Date: Feb 26, 201 5 Cardmember Since 2002 Page 1 of 6 SUMAii PAYMENT INFORMATION woos, Opening Balance $ 107.07 Your FICO° Credit Score on 2/20/1 5. New Cashback Bonus This Period More at Discover.com Everywhere Else + $ 1.00 Redeemed This Period - $ 0.00 Cashback Bonus Balance $ 108.07 To learn more, log in ot Discover.com Make Check payable to Discover. Please told on the perforation below, detach and return with your payment. [ Payment Coupon 9 Pay Online e Pay by Phone ] NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Please do not fold, clip or staple. Discover.com 1-800347-2683 JANET M BUDERUS . ‘1'2103 S GARFIELD AVE LOVELAND CO 80537-7337 PO BOX 29033 PHOENIX AZ 85038-9033 Phone and Internet payments must be received by 5PM ET to be credited as ofthe same day. Address, e-mail or telephone changed? Note changes on reverse side. ,0. w. mu”... u... ,m m... w .. .......:\.....v... .. Is pi'ocessed as an erectronlc fund (gander, the transfer wnll be for 1he amount o f e c eck. When we use information ffom your check to make aneledronic fund lrunsfer, funds may be Withdrawn from {our accqunt as soon as the some day we receive you; pgyrnent, and you wnl not receive your check back from your nanCIal InsMuhon. The processing of your payment may be delayed if you send cash, corres- pondence or oiher items wiih your payments, if ou send Ihe payment to any other address, or if you use an envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that da . Payments received at our processing facility after 5PM local time will be cre ited to your Account as of the next da . If ou have mis laced your envelope, send your payment to Discover, PO ox l03, Carol tream, IL 60197-6103.Please allow 7~10 days for delivery. If your payment is returned un id, we reserve the right to resubmit it as an electronic debit. Payments ma e online or by phone will be credited as of the day of receipt if made by 5 PM Eastern time. ou can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service re resentative by calling 1-800-347-2683. Automatic payments for the bi ling period shown on vmir statement will he deducted on t e Pavment Due Date shown nn that Bank Account # i Monthly on theD Payment Due Date DClose Date D Day of month (insert date) Credit Reporting.We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reected in your credit report. We normally report the status an payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at this address: Discover, PO Box 1531 6,Wilmington, DE 19850-531 6.Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will not charge you any interest on Purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Date or the first day of the billing period in which the transaction posted to your Account. HowWe Calculate Interest Charges. We Use the Daily Balance Method linrllidinn current transartinnsl to ralrnlnte the Bnlnnm ”him-t tn Interact JANET M BUDERUS Account number ending in 297i Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately! Call 1-800-347-2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at: Discover, PO Box 30421 , Salt Lake City, UT 841 30-0421. You must write to us within 60 days after the error ap ared on your statement. You may call us, but if you do we are not require to investi ate any potential errors, and you may have Leoquhssmeum in..qy§s1i99_- _.T. .e .Billing Rightstlojiss further. .cxnlpinsmwI statement, or the next automatic payment date referred to on your statement, unless you request a recurring pa ment date (e. ., the 15““ day of the month) that occurs before your Payment Due Date or Cfose Date. It your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4) digits of the social security number of the primary borrower. By providing those numbers as our electronic si nature, ou will be agreeing to this authorization to allow us and your ank to educt each payment you authorize, in the amount selected b you, from your bank account. You also authorize us to initiate debit or cre it entries to your bank account, as applicable, to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1-800-347-2683 or by mail at Discover, PO Box 30421 , Salt Lake City, UT 841 30-0421 ; payment cancellations must be received before 5 PM ET of the scheduled withdrawal date. If your payments may vary in amount, we will tell ou on each monthly billing statement when your payment will be made and ow much it will be. CHANGE OF ADDRESS Open Date: Jan 27, 201 5 - Close Date: Feb 26, 2015 Page 2 of 6 You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. law. You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a xed dollar amount, or (iv) Ot er dollar amount. If your scheduled "Other dollar amount" payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreg'ment. If your scheduled §m~-nug.--.-.-.A.~.-L.......u..-u, .- ate. For more information, please call us at 1-800-347-2683. ~ ............ L- _J_f.._. MA Balance Subgect to Interest Rate. Your statement shows a Ba‘lance Subiectto Interest Ra e. It showst is for each transaction ca egory. T e Balance Sub) to Interest Rate Is t e average of the daily ba ances during the billing perio . Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billin statement. A credit balance is money that is owed to you. You may make c arges against this amount if our Account is open. We will send you a refund of any remainin balance 0’51 .00 or more after 6 months, or as othenNise required by app icable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Balance Transfers. Balance Transfers are offered at our discretion andaccrue Interest at the standard purchase rate unless we tel you othenmse. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® card is issued by Discover Bank, Member FDIC. TL23-24N.0215 r If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. W Street Address Home Phone Work Phone City Email State, Zip j To make changes to your address, email or telephone number, visit Discover.com Continued on next page Payments and Crodils Feb 18 Feb 18 PAYMENT - THANK YOU $ -800.00 Services Feb 21 Feb 21 YELLOWBERRYLLC 3076992424 WY $ 100.00 Fees TOTAL FEES FOR THIS PERIOD s 0.00 Interest Charged TOTAL INTEREST FOR THIS PERIOD s 0.00 201 5 ToIals Year-Io-Date TOTAL FEES CHARGED IN 2015 5 0.00 TOTAL INTEREST CHARGED IN 2015 0.00 Interest Charge Calculation Vnuw A I an-an‘nna Data IADD\ I- ll.- annual Luann-J ~.--....A DISC VER Discover” More° Cord Account number ending in 2971 Open Date: Jon 27, 201 5 - Close Date: Feb 26, 201 5 Page 3 of 6 IUUI HIIIIVU' l Ulyulllugo I\\ll° ‘nl I\’ Ii ullllllul IIIIUIWI lulu Ull yvul “\ILUUIII. Current Billing Periodt days ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchases 12.99% V $0.00 $0.00 Promotional Purchases Promotional Purchases 0.00% $5,275.01 $0.00 Cash Advances 23.99% V $0.00 $0.00 Balance Transfers 0.00% $5,1 93.26 $0.00 V=Variable Rate Information For You Your Year-End Account Summary is now available. Log in at Discover.com/yearendsummory to view, print, and save your Year-End Summary. This Account Summary can help you prepare for the upcoming tax season and make your 2015 budget planning easier. For more information about how interest charges are calculated see your Cardmember Agreement or go to www.discover.com/interestcharges NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Availability of FICO° Credil Score As an adive curdmember, you may see your FICO° Credit Score on your monihly statement or online. Reasons why you may not see your FICOQ Credit Score include: ifyou have a ioini account; if you opi out; if you have key information that is mismatched or missing, as one example, on address change that has not been updated with Discover or TransUnion; if your credit history is too new; if your account status is abandoned, bankrupt, fraud, lost or stolen, closed, revoked, or charged off,- if you have a foreign address; or if you have no account activity such as no purchase transactions, fees, interest, or payments for approximately 30 days. Mare from Discover Get more from your Cashback Bonus” by redeeming $20 for a $25 Bed Bath & Beyond° Partner gift card. JANET M BUDERUS Account number ending in 297i Open Date: Jan 27, 201 5 - Close Date: Feb 26, 2015 Page 4 of 6 Information For You Continued FICO° Credit Score Terms Transfers For checks that do not receive the promo APR, the standard APR for cosh advances will apply, currently 23.99%. This APR will vary with the market based on the Prime Rate. Use By Date This check must post to your account by 04/21/201 5 for the promo APR and fee to apply. If the check posts after 04/21 /201 5, we may still honor this check, but you will not receive the promo APR and fee. lnstead the standard APR and fee for cash advances will apply. This APR will vary with the market based on the Prime Rate. Fees 3% of the amount of each transfer if the transfer posts to your account from 02/1 1/201 5 to 04/21/201 5. lf the check posts after 04/21/201 5, the standard cash advance fee of either $10 or 5% of the amount of each transaction, whichever is greater, will apply, as well as the standard cash advance APR. For other balance transfers, the standard balance transfer fee is either $1 0 or 5% of the amount of each transfer, whichever is greater. Paying Interest We will begin charging interest on this check as of the later of the transaction date or the first day of .Il-.l. 22".--. ..... .I I _Ill A. I a VER .. .Dcersova Moreo cord Account number ending In 2971 Open Date: Jan 27, 201 5 - Close Date: Feb 26, 201 5 Page 5 of 6 Transfer higher-rate balances to your Discover card and enioy a low promo rate. l "IE U” "IQ pallUU Ill WIIICII llle IIUIISleT‘pOSTS 10 YOUI' account. I If you pay late, we may (i) terminate the availability of this promotional rate for new transactions, and (ii) increase your APRs for new purchases and balance transfers to variable Penalty APRs. We may decline this check if your Account is not in good standing or has insufficient credit available at the time this ched< is presented for payment. To check credit availability or transfer a balance, visit Discover.com/balancetransfer or call 1-800-767-7339. The use of this check will cause your Account to be charged for the amount of this check plus any applicable fees. Variable rates are based on the Prime Rate in effect as of the last business day of the previous month. Minimum Interest Charge: $0.50. See back for additional Important Information. . 'This check:must postby01/21/2015 tocg’etyour} ~ _:IJANET .MBUDERUSE' t romotianal APR-and F_e_e.Se_e_pEmolionalofe_r for-21 03 _S_GARFIELD_AVE; -- L'LCWELANDco:edsa-z- NIH"- ‘. E11696 ---- Dehilxm'hbedix; rI >0 >0 I-uI-ll Ulllll la FVI 'Vu, I'v 'Illl uh! “null, Hrlrll, uIIIVUl Ila ’UV PM] ll lul VALUE“ U’Illclll LIUC IU UUIUI WIIII IIIHIICI UBIUIU balances with lower APRs as of the date we credit your payment. The minimum payment requirement can cause promotional balances to be paid in full before 1he end of the promotional period. Can l avoid interest on purchases if I transfer a balance? You can avoid interest on new purchases you make if you pay your entire balance in full each month. This means that, unless your purchase APR is at a 0%, you will pay interest on new purchases if you do not pay the balances you transfer under this offer in full by the first payment due date. See your Cardmember Agreement for details. Are there any other limitations or detailsl should know about this balance transfer offer? Yes. If your account is past due, overlimit, or in default for any other reason stated in your Cardmember Agreement, we may decline to authorize a balance transfer check when it is presented for payment. Furthermore, it your account is in default you may not be able to take advantage of this offer by phone or online. If you use a balance transfer check in other than paper form, we will treat the transaction as a cash advance and your standard Cash advance APR and fee will apply. For example, if you provide the routing number and account number shown on the check to a payee instead of writing the check to the payee, it will be processed as a cash advance. If your account is currently enrolled in a special program or is placed into one during the term of the offer, you will receive the benefit of the lower rate while the special program is in effect. This includes, if applicable , any lower rates as authorized under the Servicemembers Civil Relief Act. JANET M BUDERUS Account number ending in 2971 Open Date: Jan 27, 201 5 - Close Date: Feb 26, 2015 Pageé of 6 IMPORTANT INFORMATION ABOUT BALANCE TRANSFERS Q A Q A Do I earn rewards on balance transfers? Balance transfers do not earn rewards. Can l use a balance transfer to pay another Discover® account? No, you may not use a balance transfer to pay any Discover accounts. 33 35 4 H SB O G N H 35 H N O Iln lll SN l' W D N VN H 30 5 G N JS BH 'iN I'I SI H l M 01 35 N 91 5 H O dW Vl S 'a lla M lO N 00 lmeresl Lnurged 3U.UU $1 0,681 .18 See Inieresi Charge Calculation section following 1he Trunsadions section for detailed APR information Credit Line New Balance $1 1,300 Credit Line Available $6] 8 Cash Advance Credit Line $3,400 Cash Advance Credit Line Available $61 8 You may be able to avoid interest on Purchases. See reverse for details. k i'h'e i533"; A'Pri Bi if9'9‘ié‘QHr'iaBI; m h ' r m Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your «V Only the minimum payment $347 2i years 3 years $12,493 [Savingg $7,629) K if you would like information about credit counseling services, call 1-800-347-1 121 . REWARDSFlco 1- f Cashback Bonus® Anniversmy M°""‘October DlSC®VER ACCOUNT SUMMARY- Your FICO° Credit Score on 1/20/1 5. Winn-Mew More at Discover.com Make Check payable to Discover. Please told on the perforation below, detach and return with your payment. Discover° More° Cord Account number ending in 2971 Open Date: Dec 27, 201 4- Close Date: Jan 26, 2015 Cardmember Since 2002 Page 1 of 6 PAYMENT INFORMATION Opening Balance $ 107.07 New Cashbuck Bonus This Period + $ 0.00 Redeemed This Period - $ 0.00 Cashback Bonus Balance $ 107.07 To learn more, log in at Discover.com NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Pay Online Discover.com Payment Coupon Please do not fold, clip or staple. 9 II"I'IIIIIIIII"I"IIIII"III'I'IIII'II'III"I"'IIIII'-|'I'|'I' JANEr M BUDERUS g21 03 S GARFIELD AVE LOVELAND CO 80537-7337 Phone and Internet payments must be received by 5PM ET to be credited as otthe same day. Address, e-mail or telephone changed? Note changu on reverse side. Pay by Phone 18003472683 PO BOX 29033 PHOENIX AZ 85038-9033 on your check or co rroces§ the pa ment as a check transpction, If a payment is processed as an e edrom_c fund rgnsfer, the transfer WIII be for Ihe amount of lhe check. When we use Information fg'om your check to make an eledronic fund transfer, funds may be wnhdruwn frorn our uccqunt as soonas the same day we reqewe your pgyrnent, and you wnl not receive yourcheck back from your fmancual Institution. The processing of your payment may be delayed if you send cash, corres- pondence or other items with your payments, if you send the payment to any other address, or if you use an envelope othert an the one provided. Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that da . Payments received at our processing facility after 5PM local time will be cre$ted to your Account as of the next da . If ou have mis laced your envelope, send your payment to Discover, PO ox 103, Carol tream, |L 601 97-6103. Please allow 7-10 days for delivery. If your payment is returned un aid, we reserve the right to resubmit it as an electronic debit. Payments ma e online or by phone will be credited as of the day of receipt if made by 5 PM Eastern time. You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service re resentative by calling l-800-347-2éq3. Automatic payments for th_e billing period shown Bank Account # ; Monthly on the El Payment Due Date DClose Date D Day of month (insert date) , .. . I Credit Reporting.We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reeded in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at this address: Discover, PO Box 153] 6,Wilmington, DE 19850-531 6.Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will not charge you any interest on Purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Date or the rst day of the billing period in which the transaction posted to your Account. Plot."We Calculate Interest @harg‘eszWeyleehthe Daily Balance Method JANET M BUDERUS Account number ending in 297i Important Information See your CardmemberAgreement. Your Cardmember Agreement contains all the terms of your Account. lost or stolen cards. Report immediately! Call 1-800-347-2683. What 9 Do If You Think You Find A Mistake O_n Your Statement If you t Ink there is an error on your statement, write to us at: Discover, PO Box 3042i , Salt Lake City, UT 841 30-0421. You must write to us within 60 days after the error ap eared on your statement. You may call us, but if you do we are not requir to investigate any potential errors, and you may have ‘o‘n year‘staré're'm‘mrrsé HeaucrTed‘Jri'le‘ dehtértr' 1.5135 bat'é‘shawkeh'mar statement, or the next automatic payment date referred to on your statement, unless you request a recurring pa ment date (eg, the 15'“ day of the month) that occurs before your Payment Due Date or C ose Date. If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4) digits of the social security number of the primary borrower. By providing those numbers as our electronic si naturegou will be agreeing to this authorization to aliow us and your nk to educl each payment you authorize, in the amount selected b you, from your bank account. You also authorize us to initiate debit or cre it entries to your bank account, as applicable, to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1-800-347-2683 or by mail at Discover, PO Box 3042i, Salt Lake City, UT 841 30-0421 ; however, we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be. CHANGE OF ADDRESS Open Date: Dec 27, 2014- Close Date: Jan 26, 2015 Page2 of 6 You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. law. You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) Ot er dollar amount. If your scheduled "Other dollaramount" payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be aooliedin accordance wit vo rCard em er reeme t. lfv r eduled gnawing current transacll‘ons to calcu ate he alance Qublecfib irbrest ate. For more information, please call us at 1-800-347-2683. our statement shows a Ba‘lance Subiect Balance Sub'ect to Inter s_t ate. _ to Interest Ra e. It showst Is r eac transaction ca egory. T .e Balance Subjegl to Interest Rate is the average of the daily ba ances during the billing perlo . Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billin statement. A credit balance is money that is owed to you. You may make c arges against this amount if our Account is open. We will send you a refund of any remainin balance o $1 .00 or more after 6 months, or as otherwise required by app icable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Balance Transfers. Balandce Transfrs are offered at our iscretion andaccrue Interest at the st ard purc ose rate unless we tel you otheMise. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® card is issued by Discover Bank, Member FDIC. TL23N If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Street Address Home Phone Work Phone City Email State, Zip L To make changes to your address, email or telephone number, visit Discover.com Continued on next page Payments and Credits Jan 'l8 Jan 18 PAYMENT - THANK YOU $ -500.00 Fees TOTAL FEES FOR THIS PERIOD s 0.00 lnIeresI Charged TOTAL INTEREST FOR THIS PERIOD 0.00 20'l 5 Totals Year-to-Date TOTAL FEES CHARGED IN 2015 0.00 TOTAL INTEREST CHARGED IN 2015 0.00 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Feriod'l days DISC VER Discover” More° Card Account number ending in 297] Open Date: Dec 27, 2014 - Close Date: Ian 26, 201 5 Page 3 of 6 CONTACT US ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchases 12.99% V $0.35 $0.00 Promotional Purchases Promotional Purchases 0.00% $5,842.40 $0.00 Cash Advances 23.99% V $0.00 $0.00 Balance Transfers 0.00% 55,1 93.26 $0.00 V=Variable Rate Information For You For more information about how interest charges are calculated see your Cardmember Agreement or go to www.discover.com/interestcharges FICO° Credit Score Terms Your FICO° Credit Score is based on data from TransUnion and may be different from other credit scores. This information is intended for and provided to the Primary cardmembers only that have an available score and is provided on the statement tor individual accounts and on Discover.com for individual and joint accounts. See Discover.com/FICO about the availability of your score. Discover and other lenders may use different inputs like a FICO‘Credit Score, other credit scores and more information in credit decisions. This benefit may change or end in the future. FlCO is a registered trademark of the Fair Isaac Corporation in the United States and other countries. If you prefer not to receive your FICO° Credit Score on your statement, iust call us at 1-800-347-7996. Please give us two billing cycles to process your request. To learn more, visit Discover.com Availability of FICO’ Credit Score As an active cardmember, you may see your FICO° Credit Score on your monthly statement or online. Reasons why you may not see your FICO’ Credit Score include: if you have a ioint account; if you opt out; if you have key information that is mismatched or missing, as one example, an address change that has not been updated with Discover or TransUnion; if your credit history is too new; if your account status is abandoned, bankrupt, fraud, lost or stolen, closed, revoked, or charged off; if you have a foreign address; or if you have no account activity such as no purchase transactions, fees, interest, or payments for approximately 30 days. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION JANET M BUDERUS Account number ending in 297] Open Date: Dec 27, 2014- Close Date: Jan 26, 201 5 Page4 of 6 More from Discover Life is beer with fewer barriers. Redeem your rewards for any amount. . II . . . . u 1.. ‘. .I. n!|.. ..l..tll..I..~ 1.1!.1 I. .I .ll.l.. wnizm .3318. <205: mm =0. m: noon again o_. row Emcmmnmma nan: n895. .0 cw 185mm *o.‘ =40 030:1 om =5 nrmnr. mama om 0* SBCMOE. 3:13:13 .396». 0-560" moho. m8 Von-A m2. Damaga 35012.: 533530? U-M nnoc3+ 3:379.main m: n02 Ohm: 0&0" Don Nu. mo: - Qomm 00.9 he: mo. mod m voma m 0* o Ummno5... ..-.OZUDd mamwNwN. ..-. |>nn..o...cE .o3.m._3.m....3 .n N. JANET M BUDERUS Account number ending in 2971 Open Date: Dec 27, 2014- Close Date: Jan 26, 2015 Page 6 of 6 Imponan' Information Whal you need to know about cash advances: Your cash advance credii line is part ofyour total credit line. Other balances, such as purchases and balance transfers, may Iimithow much ofyour cash advance credit line is available. To be sure you can gel Ihe cash you want, please check your cash advance credit line before taking a cash advance. We will be’gin charging interest on cash advances as ofthe later of the transaction date orthe first day of the billing period in which the transaction posts to your account. If your account is currently enrolled in a special program oris placed into one during the term of the offer, you will receive the benefit of the lower rate while the special program is in effect. This includes, if applicable,any lower rates as authorized under the Servicemembers Civil Relief Act. Each billing -ndhd u... ...:II --__...ll.. ---I.. n-.. AL... manna} 0L- Ahab-n... D L h..- A- L..l..---. ...:AL L:..L__ ADD- L_t_-.. L..I :LL l Ann- _- -l BU SH ES EO G N B if?! J .. .t‘ w ”w ee r; M m ‘3 9“ N O Lt hJ LS N iN D H ’V N IS H O !O M 33 3N " SI H I M 01 35 N 91 3 hO W 15 Ill lH M 10 H m unclean ullulacu QUAJU {he Penalty APR of 1 7.99% variable. New Balance $1 1’1 81 '18 Minimum Payment Warning: If you make only the minimum payment each See Interest Charge Calculation sedion following the period, you will pay more in interest and it will take you longer to pay off your Transactions section for detailed APR information balance. For example: Credit Line $1 1,300 I?W = tCredit Line Available $1 18 %“‘m ‘ 'd a . -v Sm? ‘ x ,-. .2 ' a , _ Cash Advance Credit Line $3,400 on|y the minimum paymem 21 years r - - $361 3 years ,Cash Advance Credit Line Available $1 1 8 (5min s: $7,895) You may be able to avoid interest on Purchases. see reverse for de'ails. If you would like information about credit counseling services, call 1-800-347-1 121 . L J f FICO ‘ REWARDS - Anniversary Month{ Cashback Bonus® adobe, DISC VER Discover“ More” CrdAccount number ending in 2971 Open Date: Nov 27, 2014- Close Date: Dec 26, 2014 Cardmember Since 2002 Page 1 of 6 _ - -- Opening Balance $ 96.91 Your FICO° Credit Score on 12/21/1 4. New Cashback Bonus This Period mun-m More at Discover.com Everywhere Else + 5 10.16 Redeemed This Period - $ 0.00 Cashback Bonus Balance $ 107.07 To learn more, log in at Discover.com MkCh k bltoD'c er. ”:0; loledcorl'l: pjrforalisozvbelow, detach and return with your payment. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Payment Coupon 9 Pay Online Q Pay by PhonePlease do not told, clip or staple. Discover.com 1-800647-2683 l'll'llll"ll'l"'lllll"llll'|'ll"'l'llllllll'l'l'l"llllllllll JANET M BUDERUS 21 03 S GARFIELD AVE LOVELAND CO 80537-7337 PO BOX 29033 PHOENIX AZ 85038-9033 I I I l Phone and Internet payments must be received by 5PM ET to be credited as ofthe same day. "IIIIII'I'IIIII IIIIII'IIIIIIII IIIIIIIIIIIIIIHIIIIII "II”I I Address, e-mail or telephone changed? Note changes on reverse side. PI! yUUI LI IULK UI IU IULU§§ IIIU PU IIIUIII u§ U LIIULK IIUIIS‘ULIIU". II u Puynlul" us processed as an e ectromp fund rpnsfer, the transfer wull be for the amount of the check. When we use Information fyom your check to make an electronic fund transfer, funds may be Withdrawn from our accqunt as soonas the some day we receive you! payment, and you w: not receive yourcheck back from your financtal Institution. The processing of your payment may be delayed if you send cash, corres- pondence or other items with your payments, if ou send the payment to any other address, or if you use an envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that da . Payments received at our processing facility after 5PM local time will be cre ited to your Account as of the next da . If you have misplaced your envelope, send your payment to Discover, PO ox 6103, Carol Stream, |L 601 97-6103. Please allow 7'10 days for delivery. If your payment is returned un aid, we reserve the right to resubmit it as an electronic debit. Payments ma e online or by phone will be credited as of the day of receipt if made by 5 PM Eastern time. You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service re resentative by calling 1-800-347-2683. Automatic pazments for the bi ling period shown ernoemano ...:I| kc Juana-art m. o a Dam-“Mr nun nut- .tmum m. u.-. JANET M BUDERUS Account number ending in 2971 Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediatelyl Call 1-300-347-2683. What o o It You Think You Find A Mistake On Your Statement If you t in there is an error on your statement, write to us at: Discover, PO Box 3042i , Salt Lake City, UT 841 30-0421. You must write to us within 60 days after the error ap eared on your statement. You may call us, but if you do we are not require to investigate any potential errors, and you may have tmehmwntmnuestmclherllmMhtsmmg ember. .exn'nwsymr statement, or the next automatic payment date referred to on your statement, unless you re uest a recurring p ment date (e. ., the 15'“ day of the month) that occurs be ore your Payment ue Date or C ose Date. If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4) digits of the social security number of the primary borrower. By providing those numbers as our electronic si nature, ou will be agreeing to this authorization to allow us and your ank to deduct each payment you authorize, in the amount selected you, from your bank account. You also authorize us to initiate debit or cre it entries to your bank account, as applicable, to correct an error in the processing of such payment. You can cancel a scheduled ayment by phone at 1-80 -347-2683 or by mail at Discover, PO Box 3 421, Salt Lake City, UT 841 30-0421 ; however, we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each mnbthly billing statement when your payment will be made and how much it WI e. CHANGE OF ADDRESS Bank Account # ; Monthly on the U Payment Due Date D Close Date D Day of month (insert date) Credit Reporting.We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at this address: Discover, PO Box 1531 6,Wilmington, DE 19850-531 6.Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close ot each billing period (at least 23 days for billing periods that begin in February). We will not charge you any interest on Purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Date or the first day of the billing period in which the transadion posted to your Account. HowWe Calculate Interest Charges. We Use thle Daily Balance lMethodnurtudtnn emu-"Atanet on nah-ulnon oI-m a» "Lana on .. Open Date: Nov 27, 2014- Close Date: Dec 26, 2014 Page2 of 6 You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.$. law. You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) Ot er dollar amount. If your scheduled "Other dollaramounf' payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. If your scheduled (rumour-n9 u." rum "Valued-rune, Inc uu-hl‘rcv uuulcu Iu urlblcel Rate. For more information, please call us at 1-800-347-2683. Balance Sub'ect to Interest Rate. Your statement shows a Balance Subjectto Interest R e. It shows this for each transaction category. The Blla ce. Subjegt to Interest Rate is the average of the daily balances during t e Illing perio . Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billin statement. A credit balance is money that is owed to you. You may make c arges against this amount if our Account is open. We will send you a refund of any remainin balance o $1 .00 or more after 6 months, or as otherwise required by app icable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Balance Transfers. Balance Transfers are offered at our discretion andaccrue interest at the standard purchase rate unless we tell you otherwrse. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® card is issued by Discover Bank, Member FDIC. TL23N W If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Street Address Home Phone Work Phone City Email State, Zip K j To make changes to your address, email or telephone number, visit Discover.com Continued on next page Payments and Crediis Dec 2 Dec 2 INTERNET PAYMENT - THANK YOU $ -1 ,000.00 Merchandise Nov 26 Nov 27 O NEILL SURF SHOP CAPITOLA CA $ 695.83 Restaurants Dec 12 Dec 12 SEVERINOS BAR AND GRILL APTOS CA $ 98.47 Gasoline Dec 4 Dec 4 LOVE'S COUNTRY STORE # WAMSUTTERWY $ 51 .44 Dec 4 Dec 4 LOVE'S COUNTRY STORE # WAMSUTTERWY 124.57 Dec 17 Dec 17 UNION 76 LOS GATOS CA 22.66 Travel/Entertainment Dec 4 Dec 4 COMFORT INN AND SUITES TOOELE UT $ 82.31 Dec 17 Dec 17 SEA AND SAND HOTEL SANTA CRUZ CA 51 1.77 00001 290606 Dec 17 Dec 17 BUDGET RENT A CAR SAN JOSE CA 205.25 Home Improvement Dec 1 Dec 1 THE HOME DEPOT 331 1 RENO NV $ 40.94 DISCVER Discover° More” CordAccount number ending in 2971 Open Date: Nov 27, 2014 - Close Dale: Dec 26, 2014 Page 3 of 6 Fees V Dec 26 Dec 26 MINIMUM INTEREST CHARGE FEE s 0.50 TOTAL FEES FOR THIs PERIOD 0.50 Interest Charged TOTAL INTEREST FOR THIs PERIOD 5 0.00 201 4 Totals Year-tO-Date TOTAL FEES CHARGED IN 2014 s 202.26 S TOTAL INTEREST CHARGED IN 2014 162.34 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing PeriodO days ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchases 12.99% V $4.20 $0.00 Promotional Purchases Promotional Purchases 0.00% $5,541 .83 $0.00 Expired Promotional Purchases Promotional Purchases 12.99% V $0.00 $0.00 Cash Advances 23.99% V $0.00 $0.00 Balance Transfers 0.00% $5,1 93.26 $0.00 V=Variable Rate l Information For You For more Information about how interest charges are calculated see your Cardmember Agreement or go to www.discover.com/interestcharges NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Availability of FICO° Credit Score As an active cordmember, you may see your FICO° Credit Score on your monthly statement or online. Reasons why you may not see your FICO° Credit Score include: if you have a ioint account; if you opt out; if you have key information that is mismatched or missing, as one example, an address change that has not been updated with Discover or TransUnion; if your credit history is too new; if your account status is abandoned, bankrupt, fraud, lost or stolen, closed, revoked, or charged off; if you have a foreign address; or if you have no account activity such as no purchase transactions, fees, interest, or payments for approximately 30 days. More from Discover It’s simplel Redeem any amount of Cashback Bonus° for a statement credit, direct deposit or to make a charitable donation. JANET M BUDERUS Account number ending in 2971 Open Date: Nov 27, 201 4 - Close Date: Dec 26, 2014 Page4 of 6 Information For You Continued FICO° Credit Score Terms Of'l 10p Ol’ your Cl'eOII’ and OVOIG SUI’pl'IseS. All for tree, and PI'OVldan I! WIII never Impact your Cred" SCOI'e. r W Does my FlCO” Credit Score change every month? How is my FICO’ Credit Score calculated? According to FICO, 83% of the population experiences your Hcoo cred" score considers changes to their FICOO Credit Score by up to 20 points, month five categories of credit data from your to month. Each time we provide your FICO° Credit Score, it’s TransUnion credit report that may vary in based on the information in your TransUnion credit report at "“P°"°"C° ‘0' d'erem cred" Pmles The that snapshot in time. As the information in your credit report percentages below are based on the five categories for me general populaon changes, your FICO° Credit Score may also change and we provide it monthly so you can track it over time. Where else can l see my FICO” Credit Score and Key Factors affecting it? If you haven’t already, you can register your account at Discover" More’ Card Account number ending in 2971 Open Date: Nov 27, 201 4 - Close Date: Dec 26, 2014 Page 5 of 6 Discover.com and you’ll be able to view your FICO° Credit Score, the Key Factors which are the top variables impacting your score, and additional educational information. How often will l see my FICO° Credit Score? As an active cardmember, you may see your FlCO” Credit PaymentNW7 tam Score on your monthly statement. Reasons why you mayI Amountywowo ism not see your FICO° Credit Score include: if you have a iointI lmsth at credit history usxi account; if you opt-out; or have key information that is missing,I Newmaii opened (mu as one example, an address change that has not beenI rm, .fmdnm hm "m updated with Discover or TransUnion. k J log in today at Discover.com! What your FICO° Credit Score means to lenders 579 a 580 - 669 670 - 739 740 - 799 800+ gamnmmmmmdam Indication of Some lenders will Scores in this average Indication of a Indication at an a vary risky approve rrowers U.S. range are very dependable exceptional borrower with this score considered good borrower newer You can opout from rem'ving your "Cd Credit Seem by calling l 300-347-7996 It may tall. Ipb two statements to stop receiving your score. FICO'M Score 1mm 'Your FtCO‘ Credit Scur-r: based on data lrom TransUnien andmaybe different from other aedit scores this inbrmottonIs intended for and provided to the Primary oardmemben onlythat have cl 'ismmd onthe lor aondon l“ lar' J "' 'ondoint See Diseavermm/FICO aboutme availabilityel your score. Dismr and other larders may use diluent input IilIe e FICO‘ Credit Scorn, other «edit seem and more inormr otion'In creditdecisions. Iis benet may dictator end in the future. FlCOIs o rogishrod traderndk of the Fair Isaac CorporationIn the United States and alter countries. Discover Financial Servtcu and Fair Isaac are net credit ropdr organizations as defined under hdeml or state law includin the Crad't Repair Qgantzattons Act. Discover Financial Services and Fair Isaac do not provide 'credit repair' services or as Ishme regarding 'rebuilding' or 'Irnproving' your cret record. uedit history or aed rating. 02014 Discover Banli Mnnbor FDIC INFICOO7I A k J JANET M BUDERUS Accouni number ending in 2971 Open Date: Nov 27, 2014 - Close Date: Dec 26, 2014 Pugeé of 6 ""°' “' ”'9'" the Penalty APR of 17.99% variable. New Balance $1 0’347'44 Minimum Payment Warning: If you make only the minimum puymeni each See Interest Charge Calculation section following the period, you will pay more in interest and it will take you longer to pay off your Transactions section for detailed APR information balance. For example: Credit Line $1 1,300 g: 'Ir Ema?at gigEWi. E" is; ’ _ Credit Line Available $952 if} y {gmég‘ré s a?“ M a): u; I . Cash Advance Credit Line $3,400 Only the minimum Bayment 21 years . . . $333 3 years $1 1,975Cash Advance Credit Line Available $952 (savings: $7,050) b bl t 'd ' t t P h . :2: gyeyrseefgr deetoailas‘fm In ares on um uses If you would like information about credit counseling services, call 1-800-347-1 121 . k J F ' Flco ‘ REWARDS. Anniversary Monthr Cashback Bonus® Odober DISC VER i h r i r Discover° More” Cord Account number ending in 2971 Open Date: Oct 27, 201 4- Close Date: Nov 26, 2014 Cardmember Since 2002 . Page 1 of 4 ACCOUNT SUMMARY PAYMENT INFORMATION -- - Opening Balance $ 92.14 Your FlCO’ Credit Score an 1 1/20/1 4- New Cashback Bonus This Period magnum More at Discover.com Everywhere Else + 3 4.77 Redeemed This Period - $ 0.00 Cashback Bonus Balance $ 96.91 To learn more, log in at Discover.com Mak Check bl t D' . Pleasee fold omit: p:rf:ralis::vbeerlow, detach and return with your payment. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Payment Coupon 9 Pay Online a Pay by PhonePlease do not fold, clip or staple. Discover.com 1800-3472683 'll'll'l'll'I'lllI'l'IIII'I"ll|l'lI'Il'"|I|lIII'II'III'I'llh" JANET M BUDERUS 2103 S GARFIELD AVE LOVELAND CO 80537-7337 PO BOX 29033 PHOENIX AZ 85038-9033 I l l ll Phone and Internet payments must be received by 5PM ET to be credited as ofthe some day. IIIIHIIII IIIIIIIIllI'IIIIIIIIIIIIIIIIIIHIIII". I I IIIIIII" Address, e-mail or telephone changed? Note changes on reverse side. UII ’UUI Ll UI IV Ivhca? PU II UH U bl ICLN II Ulla-ubllvll- II u PuyllICI " is processed as an eredromg: fund rpnsfer, Ohe transfer wnll be for the amountof the check. When we use Information from your check to make aneledronic fund lransfer, funds may be wnhdruwn from our account as soonas the same day we receive your payrnent, and you WII not receive yourcheck back from your nancral Institutlon. The processing of your payment may be delayed if you send cash, corres- pondence or other items with your payments, if ou send the payment to any other address, or if you use an envelope other than the one provided. Payments rece ved in proper form at our processing facility by 5PM local time on any day wi | be credited to your Account as of that do . Payments received at our process ng facility after 5PM local time will be cre ited to your Account as of the next da . If you have mis laced your envelope, send your payment to Discover, PO ox 61 03, Carol tream, IL 601 97-6103. Please allow 7-10 days for delivery. If your payment is returned un aid, we reserve the right to resubmit it as an electronic debit. Payments ma e online or by phone will be credited as of the day of receipt if made by 5 PM Eastern time. You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service re resentative by calling 1-800-347-2683. Automatic payments for the bi ling period shown nn vnllr dntnmnnt will ha Herarl nn t a P vmnnt nun nnta shown nn that Bank Account # i Monthly on the D Payment Due Date D Close Date D Day of month (insert date) Credit Reporting.We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at this address: Discover, PO Box 1531 6,Wilmington, DE 19850-531 6.Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will not charge you any interest on Purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Date or the rst day of the billing period in which the transaction posted to your Account. HowWe Calculate Interest Charges. We Use the Daily Balance Methodlinrlur’inn rnrrnnt Ornnenrtinne‘ 0A rnlrnlnta ”an Rnlnnr Ill-\im-t M Interact JANET M BUDERUS Account number ending in 2971 Important Information See your CardmemberAgreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately! Call 1 -800-347-2683. What o Do If You Think You Find A Mistake Qn Your Statement If you t ink there is an error on your statement, wnte to us at: Discover, PO Box 30421 , Salt Lake City, UT 841 30-0421 . You must write to us within 60 days after the error ap eared on your statement. You may call us, but if you do we are not requir to investi ate any potential errors, and you may have togethecqmuouminuayeschecmm .etlllrlgghtstzlettss umberemlmmmw statement, or the ne)d automatic payment date referred to on your statement, unless you request a recurring p ment date (e. ., the 15‘“ day of the month) that occurs before your PaymentaDue Date or C?ose Date. lf your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. ln order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4) digits of the social security number of the primary borrower. By providing those numbers as our electronic siggature, ou will be agreeing to this authorization to al ow us and your nk to educt each payment you authorize, in the amount selected b you, from your bank account. You also authorize us to initiate debit or cre it entries to your bank account, as applicable, to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1-800-347-2683 or by mail at Discover, PO Box 30421 , Salt Lake City, UT 841 30-0421 ; however, we must receive notice at least three business days in advance of the scheduled payment. if your payments may vary in amount, we will tell you on each mnbthly billing statement when your payment will be made and how much it w: e. Open Date: Oct 27, 201 4- Close Date: Nov 26, 2014 Page2 of 4 You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.$. law. You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, iii) statement Minimum Payment Due plus a xed dollar amount, or (iv) Ot er dollar amount. lf your scheduled "Other dollaramount” payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. If your scheduledIn "\Luuuduvhs, nu. uuuht'uv sutures.- uv unbrea- kate. For more information, please call us at 1-800-347-2683. Balance Subject to Inter st ate. Your statement shows a Ballance Subiect to nterest Ra . It showst Is or eachtransactlon ca'egory. T _e Balance.Su Je to Interest Rate Is t e average of the daily ba ances durlng the bl llng perlo . Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billin statement. A credit balance is money that is owed to you. You may make charges against this amount if our Account is open. We will send you a refund of any remainin balance o $1 .00 or more after 6 months, or as othewvise required by app icable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Balance Transfers. Balance Transfers are offered at our discretion andaccrue interest at the standard purchase rate un ess we tel you otherwnse. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® card is issued by Discover Bank, Member FDIC. TL23N CHANGE OF ADDRESS N If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. l Street Address Home Phone Work Phone City Email State, Zip x J To make changes to your address, email or telephone number, visit Discover.com Continued on next page Payments and Credits Oct 28 0d 28 PHONE PAYMENT - THANK YOU $ -500.00 0d 31 Od 31 PHONE PAYMENT - THANK YOU -2,000.00 0d 31 0d 31 REPRESENTED PHONE PAYMENT - THANK YOU -500.00 Od 3] Oct 28 RETURNED PHONE PAYMENT 500.00 Merchandise Nov 7 Nov 7 NORM THOMPSON 800-458-6057 MA $ 48.57 NORM THOMPSON Restaurants Nov 3 Nov 3 CHEFS DE FRANCE LAKE BUENA VIFL S 14.95 Nov 4 Nov 4 JOFFREY‘S COFFEE&TEA CO LAKE BUENA VIFL 15.30 Travel/Entertainmom Oct 29 0d 29 MARRIOTT HOTELS-BAY BEAC KEY LARGO FL $ 250.00 Nov 1 Nov 1 COLUMBIA HARBOR HOUSE LAKE BUENAVIFL 64.88 WALT DISNEY PARKS AND RESORTS RI 142065 Nov 1 Nov 1 VACATION VILLAGE TICKETS KISSIMMEE FL 1,080.00 '3 M-.. O “A! It: hcAn I All: m Ir'LIA \m-A DISC VER Discover° More’ Card AccounI number ending in 2971 Open Date: Oct 27, 2014 - Close Date: Nov 26, 2014 Page 3 of 4 f - uuv a Huv o muuoc LAKE DUCIVA VIrL ZU I .% WALT DISNEY PARKS AND RESORTS R1 141 892 Nov 4 Nov 4 ST STAR TOURS COMBO LAKE BUENA VIFL 16.00 WALT DISNEY PARKS AND RESORTS R1 145532 Nov 5 Nov 5 BUDGET RENT A CAR FORT LAUDERDAFL 52.48 Nov 10 Nov 10 BUDGET RENTACARTOLLS 866-642-2000 NY 51 .30 Nov 23 Nov 23 HAMPTON INN EVANSTON WY 115.66 Fees Oct 31 Oct 31 RETURNED CHECK CHARGE $ 25.00 TOTAL FEES FOR THIS PERIOD 25.00 Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 0.00 201 4 Totals Year-to-Date TOTAL FEES CHARGED IN 2014 s 201.76 S TOTAL INTEREST CHARGED IN 2014 162.34 ' - rInterest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Periodz31 days ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchases 12.99% V $0.06 $0.00 Promotional Purchases Promotional Purchases 0.00% $5,037.46 $0.00 Expired PromotIonaI Purchases Promotional Purchases 12.99% V $0.00 $0.00 Cash Advances 23.99% V $0.00 $0.00 Balance Transfers 0.00% 55,1 93.26 $0.00 V=VariabIe Rate - NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION If you prefer not to receive your FICOO Credit Score on your siatement, iust call us at 1-800-347-7996. Please give us two billing cycles to process your request. To learn more, visit Discover.com Availability of FICO” Credit Score As an odive cardmember, you may see your FlCO” Credit Score on your monthly statement or online. Reasons why you may not see your FICO° Credit Score include: if you have a ioint account; if you opt out; if you have key information that is mismatched or missing, as one example, an address change that has not been updated with Discover or TransUnion; if your credit history is too new; if your account status is abandoned, bankrupt, fraud, lost or stolen, closed, revoked, or charged off; if you have a foreign address; or if you have no account activity such as no purchase transactions, fees, interest, or payments for approximately 30 days. JANET M BUDERUS Account number ending in 2971 Open Date: Oct 27, 2014< Close Date: Nov 26, 2014 Page4 of 4 Information For You For more information about how interest charges are calculated see your Cardmember Agreement or go to www.discover.com/Interestcharges ' LmeEgazm'pé:{iitqbgacgaaag"' ' JNew Balance $10,206.78 See Interest Charge Calculoon sedion following the Transactions section for detailed APR information REWARDS Credit Line $1 1,300 Cashback Bonus® Anniversary Month . . . OctoberCredit Line Available $0 . . ‘ Opening Balance $ 0.00Cash Advance Credit Llne $3,400 New Cashbock Bonus This Period + s 0.00 Cash Advance Credit Line Available $0 Redeemed This Period . $ 0.00 Cashback Bonus Balance S 0.00You may be able to avoid interest on Purchases. _ _ See reverse for details, To learn more, log In at Discover.com L J J DISC VER Discover” More” CardAccount number ending in 8475 Open Date: Oct 27, 2014- Close Date: Nov 23, 2014 Cardmember Since 2002 Page l of4 ACCOUNT SUMMARY PAYMENT INFORMATION_ °‘"F'C3:§'§."3§§§5§$$°”°’l4' Make Check payable to Discover. Please fold on the perforation below, detach and return with your payment. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Payment Coupon Pay Online Pay by Phone Please do not fold, clip or staple. " ‘ Discover.com l-800~347-2683 JANET M BUDERUS w ‘ 2103 S GARFIELD AVE LOVELAND CO 80537-7337 PO BOX 29033 PHOENIX AZ 85038-9033 Phone and Internet payments must be received by 5PM ET to be credited as ofthe same day. Address, e-mail or telephone changed? Note changs on reverse side. _..-.. .- ..... ...._ .... .. .. .. - ..... is processed as an eredronic fund (rgnsfer, the transfer wrll be for therarrlounfof the check. When we use informohon from your check to make anelectronic fund transfer, funds may be wnhdrawn from our accqunf as soonas the same day we receive your payment and you wnl not receive yourcheck back from your nancual msMuhon. The processing of your payment may be delayed if you send cosh, corres- pondence or other items with your payments, if ou send the payment to any other address, or if you use an envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that da . Payments received at our processing facility after 5PM local time will be cre ited to your Account as of the next day. If you have mis laced your envelope, send your payment to Discover, PO Box 6103, Carol tream, |L 601 97-6103. Please allow 7-10 days for delivery. If your payment is returned un aid, we reserve the right to resubmit it as an electronic debit. Payments ma e online or by phone will be credited as of the day of receipt if made by 5 PM Eastern time. You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service re resentative by calling 1-800-347-2683. Automatic pa ments for the bi ling period shown on vour statement will be deducted on t e Pavment Due Date shown on that Bank Account # ; Monthly on the D Payment Due Date UClose Date D Day of month (insert date) Credit Reporting. We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at this address: Discover, PO Box 153i 6,Wi|mington, DE l9850-531 6.Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will not charge you any interest on Purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Date or the first day of the billing period in which the transaction posted to your Account. HowWe Calculate Interest Charges. We Use the Daily Balance Method lindudinn rurrent transnrtinnsl tn rnlrulnta the. Rnlnnrn "him-t tn Internet JANET M BUDERUS Account number ending in 8475 Important Information See your CardmemberAgreement. Your Cordmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately! Call 1-800-347-2683. What To Do If You Think You Find A Mistake Qn Your Statementlf you think there is an error on your statement, write to us at: Discover, PO Box 3042i , Salt Lake City, UT 841 30-042] . You must write to us within 60 days after the error ap eared on your statement. You may call us, but if you do we are not requir to investi ate any potential errors, and you may have to Bax thenmosmt in..qy_es.ti9.n.- _._ ..e.8i||_i_n9.R.ight§.N°_.C.e furthersxnlnjnsxqvr statement, or the next automatic payment date referred to on your statement, unless you request a recurring p ment date (e. ., the 15‘“ day of the month) that occurs before your PaymentaDue Date or CPose Date. If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. ln order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4) digits of the social security number of the primary borrower. By providing those numbers as our electronic si nature, ou will be agreeing to this authorization to al ow us and your ankto educt each payment you authorize, in the amount selected b you, from your bank account. You also authorize us to initiate debit or cre it entries to your bank account, as applicable, to correct an error in the processin of such payment. You can cancel a scheduled ayment by phone at l-80g-347-2683 or by mail at Discover, PO Box 3 421, Salt Lake City, UT 841 30-0421 ; however, we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monbthly billing statement when your payment will be made and how much it WI e. CHANGE OF ADDRESS Open Date: Oct 27, 201 4- Close Date: Nov 23, 2014 Page 2 of 4 You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. law. You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) 0t er dollar amount. If your scheduled "Other dollaramount” payment rs not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. If your scl‘i'eduled‘_ --L..\._. I..i ..i Rate. For more information, please call us at 1-800-347-2683. raw-,ig._-.m....u..... u..-.u, .- Balance Sub’Iect to Interest Rate. Your statement shows a Balance Subjectto nterest Ra e. ll shows this for each transaction ca egory. .e BalanceSu Jest to Interest Rate Is the average of the daily ba-ances during the billing perio . Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billin statement. A credit balance is money that is owed to you. You may make c arges against this amount if our Account is open. We will send you a refund of any remoinin balance o $1 .00 or more after 6 months, or as otherwise required by app icable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Balance Transfers. Balance Transfers are offer d at our iscretion andaccrue interest at the standard purchase rate un ess we tel you otherwise. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® card is issued by Discover Bank, Member FDIC. TL23N W W If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Street Address Home Phone Work Phone City Email State, Zip j To make changes to your address, email or telephone number, visit Discover.com Continued on next page Payments and Credits Oct 28 Oct 28 PHONE PAYMENT - THANK YOU $ -500.00 Oct 31 Od 31 PHONE PAYMENT - THANK YOU -2,000.00 Od 3] 0d 31 REPRESENTED PHONE PAYMENT - THANK YOU -500.00 Oct 31 Oct 28 RETURNED PHONE PAYMENT 500.00 Merchandise Nov 7 Nov 7 NORM THOMPSON 800-458-6057 MA $ 48.57 NORM THOMPSON Restaurants Nov 3 Nov 3 CHEFS DE FRANCE LAKE BUENA VIFL $ 14.95 Nov 4 Nov 4 JOFFREY'S COFFEE&TEA CO LAKE BUENA VIFL 15.30 Travel/Entertainment Oct 29 Oct 29 MARRIOTT HOTELS-BAY BEAC KEY [ARGO FL $ 250.00 Nov 1 Nov 1 COLUMBIA HARBOR HOUSE LAKE BUENA VIFL 64.88 WALT DISNEY PARKS AND RESORTS R1 142065 Nov 1 Nov 1 VACATION VILLAGE TICKETS KISSIMMEE FL 1,080.00 klnu '3 KIA-I '1 Uni IQ: CEAD I All: DI ICKIA \IIEI hn'l no DISC VER I Discover” More” Cord Account number ending in 8475 Open Date: Oct 27, 2014 - Close Date: Nov 23, 2014 Page 3 of 4 r -‘ uov u nuv u "\VWL vmn |.r\I\L. uuLan VII L. LUI .73 WALT DISNEY PARKS AND RESORTS R1 141 892 Nov 4 Nov 4 ST STAR TOURS COMBO LAKE BUENA VIFL 16.00 WALT DISNEY PARKS AND RESORTS R1 145532 Nov 5 Nov 5 BUDGET RENT A CAR FORT LAUDERDAFL 52.48 Nov 10 Nov 10 BUDGET RENTACARTOLLS 866-642-2000 NY 51 .30 Fees TOTAL FEES FOR THIS PERIOD 5 0.00 Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 0.00 201 4 Totals Year-to-Date TOTAL FEES CHARGED IN 2014 $ 176.76 $ TOTAL INTEREST CHARGED IN 2014 162.34 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period28 days ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchases 12.99% V $0.00 . $0.00 Promotional Purchases Promotional Purchases 0.00% $0.00 $0.00 Expired Promotional Purchases Promotional Purchases 12.99% V $0.00 $0.00 Cosh Advances 23.99% V $0.00 $0.00 Balance Transfers 0.00% $0.00 $0.00 V=Variable Rate NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION If you prefer not to receive your FICO° Credit Score on your statement iust call us at 1-800-347-7996. Please give us two billing cycles to process your request. To learn more, visit Discover.com Availability of FICO° Credit Score As an active cardmember, you may see your FICO° Credit Score on your monthly statement or online. Reasons why you may not see your FICO” Credit Score include: if you have a ioint account; if you opt out; if you hove key information that is mismatched or missing, as one example, an address change that has not been updated with Discover or TronsUnion; if your credit history is too new; if your account status is abandoned, bankrupt, fraud, lost or stolen, closed, revoked, or charged off; if you have a foreign address; or if you have no account activity such as no purchase transactions, fees, interest, or payments for approximately 30 days. JANET M BUDERUS Account number ending in 8475 Open Date: Oct 27, 2014- Close Date: Nov 23, 2014 Page4 of 4 Information For You For more information about how interest charges are calculated see your Cardmember Agreement or go to www.discover.comnterestcharges lne renully I‘l’K OY l/ .7770 VOYIODIS. New Balance 510,91 1.32 . . . . .MInImum Payment Warning: lf you make only the mmlmum payment each See Interesi Charge Calculation section following the period, you will pay more in interest and it will take you longer to pay off your Transactions section for detailed APR information balance. For example: - - ‘1" “*"ms‘s ism ' _ . * s-Sg'w@717» , Y '_'_'**:<;aa-z 3.115.- ~ 5Credit Llne $1 l .300 §§§gt a gram i 63‘ I1 _ __ .‘:_ ”I Edg’hqb‘klCredit LIne Available $388 ii- ‘Y _ - 1 {Egg} 1 .I #:- u 7 It III-Ll: I «r' ‘1 n ' 1L __ RP; Mk6 ' a" COSh Advance Credit Line $3.400 Only the miLimum payment 21 years $1 9,928 - - - $349 3 years $1 2,564Cash Advance Credit Llne Available $388 (savings: $7,364) You may be able to avoid interest on Purchases. See reverse for details. k J f If you would like information about credit counseling services, call 1-800-347-1 l 2i . REWARDS -FICQ f Cashback Bonus® Annivemry Mm"? J October DISC VER _ Discover More Card _ Account number ending in 8475 Open Date: Sep 27, 2014- Close Date: Oct 26, 2014 Cordmember Since 2002 Page l of 6 ACCOUNT SUMMARY PAYMENT INFORMATION - ’ opening Balance $ 92.14_Your FICO° Credit Score on 10/20/1 4. New Cashback Bonus This Period + $ 0.00 Ham-m More at Discover.com Redeemed This Period - $ 0.00 Cashback Bonus Balance $ 92.1 4 To learn more, log in at Discover.com Make Chad payable to Discover. Please fold on the perforation below, detach and return with your payment. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Account number ending in 8475 Minimum Payment Due $219.00 II'lllllllllllllII'llI'll""II'IIIlla-IIIIIIIIIIIIIIIHIllllllll New Balance $lo’9ll'32 Payment Due Date November 21, 2014 JANEr M BUDERUS w. Am H ' d2103 S GARFIELD AVE oun nc oso I: I LOVELAND CO 80537-7337 PO BOX 29033 PHOENIX AZ 85038-9033 Illl illlllllulll Ilu lIII Phoneandlnternetpayments must be received bySPMEI'to be credited as ofthe someday. ll "I ll" ll l "I ll I I ll I" ll" I ""“l ll I I Address, e-mail or telephone changed? Note changes on reverse side. -.. --. _..--.. -. .- ...- .-... ..- ._ .. .. is p'rocessed as an erecironip fund {rgnsfen the ironsfer WIII be for the ar’nounfof Ihe check. When we use Information from your check to make aneledromc fund transfer, funds may be whdrawn from your uccquni as soon as Ihe some day we receive you; pgyment, and you wul not receive yourcheck back from your nancrol Institution. The processing of your payment may be delayed if you send cash, corres- pondence or other items with your payments, if ou send the payment to any other address, or if you use an envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that da . Payments received at our processing facility after 5PM local time will be cre ited to your Account as of the next d . If you have mis laced your envelope, send your payment to Discover, PO x 6103, Carol tream, IL 601 97-61 03. Please allow 7~l 0 days for delivery. If your payment is returned un id, we reserve the right to resubmit it as an electronic debit. Payments ma e online or by phone will be credited as of the day of receipt if made by 5 PM Eastern time. You can pay your monthly Minimum Payment Due, or a greater amount that oes not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service re resentative by calling 1-800-347-2683. Automatic pa ments for the bi ling period shown on vour statement will be deducted on t e Pavment Due Date shown on that JANET M BUDERUS Account number ending in 8475 Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. lost or stolen cards. Report immediately! Call 1-800-347-2683. What To Do If You Think You Find A Mistake Qn Your Statement If you think there is an error on your statement, write to us at: Discover, PO Box 30421 , Salt Lake City, UT 84130-0421 . You must write to us within 60 days after the error ap eored on your statement. You may call us, but if you do we are not requir to investi ate any potential errors, and you may have to pay the amount in question. T e Billing Rights No_ti_c_e furtherlexolajnsygur statement, or the next automatic payment date referred to on your statement, unless you request a recurring pa ment date (e. ., the 15‘“ day of the month} that occurs before your Payment ue Date or Cfose Date. If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the lost four (4) digits of the social security number of the primary borrower. By providing those numbers as our electronic signature, ou will be agreeing to this authorization to allow us and your ank to educt each payment you authorize, in the amount selected b you, from your bank account. You also authorize us to initiate debit or cre it entries to your bank account, as applicable, to correct an error in the processin of such payment. You can cancel a scheduled payment by phone at 1-80 -347-2683 or by mail at Discover, PO Box 3042i , Salt Lake City, UT 841 30-0421 ; however, we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each mnghly billing statement when your payment will be made and how much it wr e. CHANGE OF ADDRESS Bank Account # i Monthly on the D Payment Due Date ElClose Date D Day of month (insert date) Credit Reporting.We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at this address: Discover, PO Box 15316,Wi|mington, DE l9850-5316.Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will not charge you any interest on Purchases it you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Date or the first day of the billing period in which the transaction posted to your Account. HowWe Calculate Interest Charges. We Use the Daily Balance Method . llincludino current trnnsnrtinnsl tn rnlrnlntn the Rnlnnrn rhiert tn Internet Open Date: Sep 27, 2014- Close Date: Oct 26, 2014 Page2 of 6 You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. law. You can set automatic payments tor: (i) statement New Balance, (ii) statement Minimum Payment Due, iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) Ot er dollar amount. If your scheduled “Other dollaramount” payment is not enough to cover the Mrnimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. If your sclleduledraw-~°~-.-.._i-.. "NIL.-.“ .-n. -... . --- I..r ate. For more information, please call us at 1-800-347-2683. Balance Subgect to Interest Rate. our statement shows a Balance Subiedto Interest Ra e. It showst rs tor eac transa Ion category. T _e Balance. ub|e to Interest Rate rs t e average of the arly balances durrng the brllrng perro . Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billin statement. A credit balance is money that is owed to you. You may make c arges against this amount if our Account is open. We will send you a refund of any remaining balance 0(5) .00 or more after 6 months, or as otherwise required by applicable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Balance Transfers. Balance Transfers are offered at our discretion andaccrue Interest at the standard purchase rate unless we tel you otherwrse. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® card is issued by Discover Bank, Member FDIC. TL23N If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Street Address Home Phone Work Phone City Email State, Zip 1 To make changes to your address, email or telephone number, visit Discover.com Continued on next page Paymems and Credits Oct 3 Oct 3 INTERNET PAYMENT - THANK YOU $ -300.00 Fees Oci 26 Oct 26 MINIMUM INTEREST CHARGE FEE $ 0.50 TOTAL FEES FOR THIS PERIOD 0.50 InIeresl Charged TOTAL INTEREST FOR THIS PERIOD 3 0.00 2014 Totals Year-Io-Dafe TOTAL FEES CHARGED IN 2014 5 176.76 TOTAL INTEREST CHARGED IN 2014 5 162.34 Interesf Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period:30 days ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE DISCOVER Discover More CardAccount number ending in 8475 Open Date: Sep 27, 2014 - Close Date: Oct 26, 2014 Page 3 of 6 CONTACT US Purchases 12.99% V $0.00 $0.00 T Promotional Purchases Promotional Purchases 0.00% $5,765.37 $0.00 Expired Promotional Purchases Promotional Purchases 12.99% V $12.30 $0.00 Cash Advances 23.99% V $0.00 $0.00 Balance Transfers 0.00% $5.1 93.26 $0.00 V=Variab|e Rate Information For You For more information about how interest charges are calculated see your Cardmember Agreement or go to www.discover.com/interestcharges FICO’ Credit Score Terms Your FICO° Credit Score is based on data from TransUnion and may be different from other credit scores. This information is intended for and provided to the Primary cordmembers only that have an available score and is provided on the statement for individual accounts and on Discover.com for individual and ioint accounts. See Discover.com/FICO about the availability of your score. Discover and other lenders may use different inputs like a FICO° Credit Score, other credit scores and more information in credit decisions. This benet may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries. If you prefer not to receive your FICO° Credit Score on your statement, just call us at 1-800-347-7996. Please give us two billing cycles to process your request. To learn more, visit Discover.com Availability of FICO° Credit Score As an active cardmember, you may see your FICO° Credit Score on your monthly statement or online. Reasons why you may not see your FICO° Credit Score include: if you have a ioint account; if you opt out; if you have key information that is mismatched or missing, as one example, an address change that has not been updated with Discover or TransUnion; if your credit history is too new; if your account status is abandoned, bankrupt, fraud, lost or stolen, closed, revoked, or charged off; if you have a foreign address; or if you have no account activity such as no purchase transactions, fees, interest, or payments for approximately 3O days. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION JANET M BUDERUS Account number ending in 8475 Open Date: Sop 27, 2014- Close Dale: 0d 26, 2014 P0994 of 6 More from Discover Boost your Rewardsl Redeem $20 Cashback Bonus” for a $25 Bed Bath & Beyond° Pariner gift card. u I II . I. ill: :l..l|l..14< .l..l I. .l .ll.l.. <295. W no. m: coon. 2130 o. ram Enigma. nan: o905: .o cm nroamm mow =5 OBOE: mo. mac coax 3a 9.13039 5.60103 53:30:03. <>oqm moio0-mn 205: 3:363 23:5 m: mama Ova: 09m" mat n3 mo: . Qomm Dona” On. n? no: wean m om o Ummno<2 nan... Oran-G. no»: Era: <0: 30mm =. . -H..>z. .3mcomzcWI -.38.@93nggm....\.. r0.<.m§Z..u ..no. ..mbmuNH.wam JANET M BUDERUS Account number ending in 8475 Open Dale: Sep 27, 2014- Close Dale: 0d 26, 2014 Page 6 of 6 Important lnformuiion What you need Io know about cash advances: Your cash advance credit line is part of yourtofal credit line. Other balances, such as purchases and balance transfers, may limit how much of your cash advance credit line is available. To be sure you can get the cash you want, please check your cash advance credit line before taking a cash advance. We will begin charging interest on cash advances as of the later of the transaction date or the first day of the billing period in which the transaction posts to your account. We apply payments and credits ot our discretion, including in a manner most favorable or convenientfor us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APR: before balances with |0wer APRs as of the date we credit your ..- . . . .. . . .-... _. . . . ... .urn: BH BH 3S 80 0N 3 as n no um us m m om m a no s G am a- sa il 'a nn 9H 1 M 01 38 N ou s H o W 15 ‘a ua M 10 M on New Balance $1 1,21 0.82 See Interest Charge Calculaiion section following the Transactions section for detailed APR information the Penalty APR of 17.99% variable. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: as; .~ . 3% Only the minimum p $357 . _ ha ‘. : - V l7 520,3] 5 $1 2,847 (Savings: $7,468) If you would like information about credit counseling services, call 1-800-347-1 l2] . Credit Line $1 1 ,300 Credit Line Available $89 Cash Advance Credit Line $3,400 Cash Advance Credit Line Available $89 You may be able to avoid interest on Purchases. See reverse for details. L J r N REWARDSFICO.- f Anniversary MonthCashback Bonus® ember DISC®VER ACCOUNT SUMMARY Discover More Card Account number ending in 8475 Open Date: Aug 27, 2014- Close Date: Sep 26, 2014 _ Your FICO° Credit Score on 9/21/14.m Sou-ulcer More at Discover.com Please make check payable to Discover. You ore nearing your credit line; call today to apply for a line increase. Phone and internet payments must be made by 5:00pm ET for same day Cardmember Since 2002 Page 1 of 8 PAYMENT INFORMATION Opening Balance $ _ - 68.16 New Cashback Bonus This Period Everywhere Else + $ 23.98 Redeemed This Period - $ 0.00 Cashback Bonus Balance $ 92.14 To learn more, log in at Discover.com posting . Make Check payable to Discover. Please fold on the perforation below, detach and return with your payment. JANET M BUDERUS 21 03 S GARFIELD AVE LOVELAND CO 80537-7337 Phone and Internet payments must be received by 5PM ET to be credited as of the same day. Address, e-mail or telephone changed? Note changes on reverse side. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Account number ending in 8475 Minimum Payment Due $225.00 New Balance $1 1,21 0.82 Payment Due Date October 21, 2014 Amount enclosed PO BOX 29033 PHOENIX AZ 85038-9033 yll ’VVI \ul I°\-l\ VI IV IULEE? PM IIIUIII V \ul IUMB II HI IDIULIIVII- II U Puylllul ll Is processed as an eredrom; fund rgnsfer, the transfer wull be for the amouniof 1he check. When we use Information fyom your check to make aneledronlc fund transfer, funds may be wnhdrawn frorn {our accqunt us soon as the some day we receive your pgynjeni, and you wtl not receive yourcheck back from your nancrul Inshtuon. The processing of your payment may be delayed if you send cash, corres- pondence or other items with your payments, if ou send the payment to any other address, or if you use an envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that da . Payments received at our processing facility after 5PM local time will be cre ited to your Account as of the next da . If ou have mis laced your envelope, send your ayment to Discover, PO ox 103, Carol tream, IL 60197-6103.Please al ow 7-10 days for delivery. If your payment is returned un aid, we reserve the right to resubmit it as an electronic debit. Payments ma e online or by phone will be credited as of the day of receipt if made by 5 PM Eastern time. You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1-800-347-2683. Automatic payments for the billing period shown rm vnur statement will ha rlprlm'tm'i nn t n P vmant nu: nah: cl-mwn rm thnt JANET M BUDERUS Account number ending in 8475 Important Information See your CardmemberAgreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediatelyl Call 1-800-347-2683. What To o If You Think You Find A Mistake Qn Your Statement If you thin there is an error on your statement, wnte to us at: Discover, PO Box 30421 , Salt Lake City, UT 841 30-0421 . You must write to us within 60 days after the error ap ared on your statement. You may call us, but if you do we are not require to investi‘ate any potential errors, and you may have 19.eguhmmeynt.i.r.r..qy_es_9_n_. _.__e.B.i|linp.R.ights Nqjise Emberesplqins yew statement, or the next automatic payment date referred to on your statement, unless you re uest a recurring paBment date (e.g., the 15'“ day of the month) that occurs bgfore your Payment u Date or C ose Date. If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. ln order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4) digits of the social security number of the primary borrower. By providing those numbers as our electronic si nature, ou will be agreeing to this authorization to allow us and your ank to educt each payment you authorize, in the amount selected b you, from your bank account. You also authorize us to initiate debit or cre it entries to your bank account, as applicable, to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1-80 -347-2683 or by mail at Discover, PO Box 30421 , Salt Lake City, UT 841 30-0421 ; however, we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each mnghly billing statement when your payment will be made and how much it wi e. CHANGE OF ADDRESS Bank Account # ; Monthly on the D Payment Due Date D Close Date D Day of month (insert date) Credit Reporting.We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at this address: Discover, PO Box 1531 6,\M|mington, DE 19850-5316. Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will not charge you any interest on Purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Date or the first day of the billing period in which the transaction posted to your Account. HowWe Calculate Interest Charges.We Use the Daily Balance Method linrllrrfinn rnrrent Ornnenrtinnet On Palm-Into the Rnlnm- rhino-t ta Internet Open Date: Aug 27, 2014- Close Date: Sep 26, 2014 Page2 of 8 You must ensure that sufcient funds are available in your bank account, and all transactions must comply with U.S. law. You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, iii) statement Minimum Payment Due plus a xed dollar amount, or (iv) 0t er dollar amount. If your scheduled "Other dollar amount" payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. If your scheduled Cunard-um.” .v'tJICV-u-v mu uu-ht'Nn vwlvu Iv unblear kate. Four more information, please call us at 1-800-347-2683. u Balance Sub'ect to Interest ate. our statement shows a B‘anc Subiectto Interest Ra e. It showst Is or eac transaction ca:egory. ,e Ba once ub|e to Interest Rate is t e average of the daily ba ances during the billing peno . Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billin statement. A credit balance is money that is owed to you. You may make c arges against this amount if our Account is open. We will send you a refund of any remainin balance o $1 .00 or more after 6 months, or as otherwise required by app icable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Balance Transfers. Balance Transfers are offered at our discretion andaccrue Interest at the standard purchase rate un ess we tell you otherwrse. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® card is issued by Discover Bank, Member FDlC. TL23N N lf correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Street Address Home Phone Work Phone City Email State, Zip K J To make changes to your address, email or telephone number, visit Discover.com Continued on next page Payments and Credits Sap 16 Sep 16 PAYMENT - THANK YOU $ -1 00.00 Sep I6 Sep 16 PAYMENT - THANK YOU -200.00 Merchandise Aug 28 Aug 28 OLD NAVY 5066 LOVELAND CO $ 321 .60 Aug 29 Aug 29 CIRCLE S BEEF FOXWORTH MS 279.00 Aug 29 Aug 29 PGI‘CUDDLEDOWN 800-323-6793 MA 166.35 PGI‘CUDDLEDOWN Aug 29 Aug 29 GAP 848 LOVELAND CO 90.80 Sep 8 Sep 8 OLD NAW 5066 LOVELAND CO 88.72 Sep 1 1 Sep 'l 1 PGI‘CUDDLEDOWN 800-323-6793 MA 21 3.45 PGI'CUDDLEDOWN Sep 25 Sep 25 DAVIDS BRIDAL INC 224 FORT COLLINS CO 90.00 Sep 25 Sep 25 DAVIDS BRlDAL INC 224 FORT COLLINS CO 169.60 Automotive Aug 25 Aug 27 SPEEDY SPARKLE CARWASH LOVELAND CO s 67 80 DISCQVER Discover More Card AccounI number ending in 8475 Open DaIe: Aug 27, 2014 - Close Date: Sep 26, 2014 Page 3 of 8 r -v v . - . Sep 22 Sap 22 MARKLEY MOTORS INC FORT COLLINS CO 333.95 Travol/Eniertuinmenl Sep 9 Sep 9 REDBOX ‘DVD RENTAL OAKBROOK TER |L $ 1.28 491 23834VJNJMK9P Sep 16 Sep 16 HOTWIRE-SALES FINAL 866-468-9473 CA 299.50 3207731301 7 Sep I9 Sep I9 RCI TRAVEL 855-257-3153 AZ 199.58 Services Aug 25 Aug 27 TODAY S NAILS LOVELAND CO 5 77.00 Balance Transfers Aug 25 Aug 27 FIRST BANKCARD CE ““‘”””‘3650TI NE $ 5,042.00 APR 0.00% EXPIRES 09/201 5 Fees Aug 25 Aug 27 BAL TRANS FEE $ 151 .26 TOTAL FEES FOR THIS PERIOD 151 .26 Interest Charged INTEREST CHARGE ON PURCHASES $ 2.23 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 2.23 2014 Totals Year-to-Date TOTAL FEES CHARGED IN 2014 $ 176.26 TOTAL INTEREST CHARGED IN 2014 5 162.34 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Periodz31 days ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchases 12.99% V $0.00 $0.00 Promotional Purchases Promotional Purchases 0.00% $4,960.20 $0.00 Expired Promotional Purchases Promotional Purchases 12.99% V $202.66 $2.23 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION FICOO Credif Score Terms The FICO® Credit Score we provide will never impad your credit score. Your FICO® Credit Score is based on data from TrunsUnion and may be different from other credit scores. This information is intended for and delivered to the Primary cardmembers only that have an available score and is available on the statement for individual accounts and on Discover.com for individual and joint accounts. Discover and other lenders may use different inputs like a FICO® Credit Score, other credit scares and more information in credit decisions. If you prefer not to receive your FICO® Credit Score on your statement, iust call us at l-800-DISCOVER (l -800-347-2683). Please give us two billing cycles to process your request. To learn more, visit Discover.com. This benet may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries. More from Discover Boost your Rewards! Redeem $20 Cashback Bonus” for a $25 Bed Bath & Beyond° Partner gift card. JANET M BUDERUS Account number ending in 8475 Open Date: Aug 27, 2014- Close Date: Sep 26, 2014 Page 4 of 8 Interest Charge Calculation - Continued ANNUAL PERCENTAGE RATE BALANCE SUBJECT To TYPE or BALANCE (APR) INTEREST RATE INTEREST CHARGE Cash Advances 23.99% V $0.00 $0.00 Balance Transfers 0.00% $5,] 93.26 $0.00 on top or your creau una uvoua surprises. A" ror rree, one provnamg It wul never Impact your credit score. r N Does my FICO® Credit Score change every month? How is my FICO° Credit Score calculated? According to FICO, 83% of the population experiences your Flcoo Cred" score considers changes to their FICOO Credit Score by up to 2O points, month five categories of credit data from your to month. Each time we provide your FlCO° Credit Score, it's TronsUnion credit report that may vary in based on the information in your TransUnion credit report at "“P°"°"C° f°r d'ffeie'“ cred" Pr°flles The that snapshot in time. As the information in your credit report percentages below are based on the five categories for me general population changes, your FICO° Credit Score may also change and we provide it monthly so you can track it over time. Where else can l see my FICO° Credit Score and Key Factors affecting it? If you haven’t already, you can register your account at DISC VER Discover More Cord Account number ending in 8475 Open Date: Aug 27, 201 4 - Close Date: Sep 26, 2014 Page 5 of 8 Discover.com and you’ll be able to view your FICO° Credit Score, the Key Factors which are the top variables impacting your score, and additional educational information. How often will l see my FICOO Credit Score? As an active cardmember, you may see your FICO” Credit PW HWY (3m Score on your monthly statement. Reasons why you mayI Amountyouowo m not see your FICO° Credit Score include: if you have a jointl lengthdmdit history um account; if you opt-out; or have key information that is missing,I Nowadhopmd um as one example, an address change that has not beenI “Norman,“ rm, "m updated with Discover or TransUnion. k J Log in today at Discover.coml What your FICOO Credit Score means to lenders 579 E 580 - 669 670 - 739 740 - 799 800+ Indication of Some lenders will Scores In this average indication ofa Indication of an a very risky approve borrowers U.5 range are very dependable exceptional borrower with this score considered good borrower borrower You can sprain from receiving yourMU Credit Score by calling] ~800-347-7996 It may tali- vp lo two Morn-rd: to stop rec-Wing your scare. FICO' CreditSmSm'hnn: 'Your FICO' Credit ScoreIs based on dda from TransUnion and maybe dilfuent lrorn other credit scores. FlCO' Credit Scores are inhnded for end delivered to the Primy eardrum :nflL'at have an " " sooreiand " onth for on" for J' 'J 'andoint Discover and other lenders may use I nt inputs like a FICO‘ Credit Score, otlnr crit scores and more informationIn uedit dominion; This benet may change or en in the future. FiCO'Is a registered trademark of the Fair lsaac CorporationIn tl'u United States and otl’u countria. Discover Financial Services and Fdr Isaac are not credit repair organizations as defined under federd or state bw, indudi the Credit Repair Organizations Ad. Discover Financial Service: and Fair Isaac do not provide 'credil repair' services or assistance regarding 'rebuilding' or 'impnwing‘ ywr cr it record. credit history or credit rating 0201 4Dim BonlI, Member FDIC INFIC007I A JANET M BUDERUS Account number ending in 8475 Open Date: Aug 27, 2014- Close Date: Sep 26, 2014 Page 6 of 8 <395. 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T: $1333 3.n\>995. mm :o. m: moon 93.58 ow ram 53392: 2mm: a905: .0 to nroqmmm *o‘ =6 a305,.Tmoo-w&u-nomw 9‘ an: U..«n0825. :cSUm.‘ «3&5 m: mtw Cum: 09.9 .c_ mu. no: . owm 0am" >cm no. mo: 10cm m om o UmmnoZm.....3..wcumCm. . ..... .nH8@9259.>ZU.DO.momwN.ummw I.>n.n...0c.3 2.93mi WANmNm JANET M BUDERUS Account number ending in 8475 Open Date: Jul 27, 2014 - Close Daie: Aug 26, 2014 Pageé of 6 Important Information What you need to know about cash advances: Your cash advance credit line is part of your total credit line. Other balances, such as purchases and balance transfers, may limit how much of your cash advance credit line is available. To be sure you can get the cash you want, please check your cash advance credit line before taking a cash advance. We will begin charging interest on cash advances as of the later of the transaction date or the first day of the billing period in which the transaction posts to your account. We apply payments and credits at our discretion, including in a manner most favorable or convenienttor us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your A AT”- L-.._ -JJ:A:__..I 1..-- __J .--A.:_u_.__ v-, --_. 1-..J .. _.|_ ._.-. r___ A7“. I. -. n _ I I S‘ di H BS U O G N S 39 ft N M JS M W D N VN H 30 5 G BM Q SJ U 'iN li St H i A hO 'Ii N 91 5 H O dW S 'B llM lO N O G
