Declaration In SupportCal. Super. - 6th Dist.April 26, 2021Electronically Filed by Superior Court of CA, County of Santa Clara, on 8/17/2021 1:36 PM Reviewed By: Y. Chavez Case #21CV381001 Envelope: 7079145 21CV381001 Santa Clara - Civil Y. Chavez ZWICKER 8: ASSOCIATES, RC. 1320 WILLow PAss ROAD, SUITE 730 CONCORD, CA 94520 TELEPHONE: 925.689-.7070 FACSIMILE: 975.689.7077 AWN \OOOVQKII 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 JANET L. BROWN (State Bar No. 208602) MARTIN HOFFMANN (State Bar No. 248141) MASON ARIA (State Bar No. 336636) ZWICKER & ASSOCIATES, P.C. 1320 WILLOW PASS ROAD, SUITE 730 CONCORD, CA 94520 Telephone: (925)689-7070 Facsimile: (925)689-7077 Attorneys for Plaintiff SUPERIOR COURT OF CALIFORNIA, COUNTY OF SANTA CLARA SAN JOSE JUDICIAL DISTRICT - LIMITED CIVIL CASE DISCOVER BANK, ) ) Plaintiff, ) ) vs. ) ) CRISTOFER RAMIREZ, ) ) Defendant. ) ) ) N0. 21CV381001 PLAINTIFF’S DECLARATION IN SUPPORT OF MOTION FOR SUMMARY JUDGMENT OR IN THE ALTERNATIVE FOR SUMMARY ADJUDICATION Date: TBA Time: TBA Dept: TBA Date Action Filed: 4/26/21 Trial Date Set: N/A DECLARATION Iii SUPPORT ZWICKER 8c ASSOCIATES, ?.C. I320 WILLOW PASS ROAD. SUITE 730 CONCORD, CA 94520 TELEPHONE: (925)689-7070 FACSIMILE: (925)689-7077 \ooouo‘mAwN_ NNNNNNNN mummaww~8$$333335:5 JANET L. BROWN (State Bar No. 208602) MARTIN HOFFMANN (State Bar No. 248141) ZWICKER & ASSOCIATES, P.C. 1320 WILLOW PASS ROAD, SUITE 730 CONCORD, CA 94520 TELEPHONE: (925)689-7070 FACSIMILE: (925)689-7077 Attorneys for Plaintiff SUPERIOR COURT OF CALIFORNIA, COUNTY OF SANTA CLARA SAN JOSE JUDICIAL DISTRICT ) Case No. DISCOVER BANK, ) ) PLAINTIFF’S DECLARATION IN Plaintiff, ) SUPPORT OF MOTION FOR ) SUMMARY JUDGMENT OR IN THE vs. ) ALTERNATIVE FOR SUMMARY ) ADJUDICATION CRISTOFER RAMIREZ ) ) Defendant(s). g Page 1 PLAINTIFF‘S DECLARATION IN SUPPORT OF MOTION FOR SUMMARY JUDGMENT OR IN THE ALTERNATIVE FOR SUMMARY ADJUDICATION Personal Loan Account Ending In: 9041 CRISTOFER RAMIREZ DECLARATION OF PLAINTIFF I, Jesse Mathews , hereby declare: 1. I am a Litigation Support Specialist for Discover Products Inc., successor by merger to DB Servicing Corporation, the servicing affiliate of Discover Bank, an FDIC insured Delaware State Bank. Discover Products Inc. is responsible for, among other things, maintaining the account records pertaining to Discover Personal Loan accounts and interacting with Discover Personal Loan customers with regard to payments owed on those accounts. Discover Products Inc. services the personal loan accounts owned by Discover Bank, Plaintiff herein, and hereafier collectively referred to as “Discover.” 2. This Declaration is based upon my personal knowledge ofthe regular practices and procedures with respect to Discover Personal Loan accounts and is derived from a review of the attached business records for this account and in support of Plaintiff‘s suit on the account against Defendant(s). 3. In my capacity as a Litigation Support Specialist, I am familiar with the ongoing business operations for the Personal Loan accounts and have access to records regarding the Discover Personal Loan account of the above referenced Defendant(s) (the “Account"). Discover Products Inc. maintains these records in the ordinary course of its business, it is the ordinary course of business to keep such records, and the records are updated with information on events (such as the initial funding of the loan and payments on the Account) by individuals with personal knowledge of those events or by automated processes that track such events at or near the time that the events occur. The same systems that record this information also generate periodic statements that are provided to Account Holders and store records of these periodic statements. In addition, these same i'ecord-keeping systems contain information about which version of Discover Bank’s terms and conditions has been communicated to an Account Holder and accepted by an Account Holder at the time of the funding 0f the Account. Page 2 PLAINTIFF’S DECLARATION IN SUPPORT OF MOTION FOR SUMMARY JUDGMENT OR IN THEALTERNATIVE FOR SUMMARY ADJUDICATION Personal Loan Account Ending In: 9041 CRISTOFER RAMIREZ \Oooflamthu-n NNNNNNNN ooqoxm.pr-g$;:3;:$5:3 4. I have personally reviewed the attached records as they relate to the Account of CRISTOFER RAMIREZ (hereinafter referred to as “Defendant(s)”) to ascertain the balance due on that Account and whether Defendant(s) has made payments on that balance, and I make this Declaration based upon those records and my personal review thereof. 5. The records maintained by Discover reflect that Defendant(s) established an Account with Discover. Discover’s records further reflect that the Account funds were disbursed to the Defendant(s’) designated bank account, sent by check, or to a third party designee as requested by Defendant(s). Attached hereto and incorporated herein as Exhibit “A” is/are true and accurate account record(s) regarding the establishment of the Account for Defendant(s). 6. The records maintained by Discover reflect that Defendant(s’) Account is in default because Defendant(s) has not paid the amounts due and owing to Discover on the Account. By virtue of such default the entire balance on the Account is presently due and owing. 7. The business records maintained by Discover show that Defendant(s’) Account with Discover is governed by terms and conditions, a true and correct record of these terms and conditions are attached hereto as Exhibit “B.” 8. Attached hereto and incorporated herein as Exhibit “C” is a true and accurate record (retrieved from the record-keeping system described above) of an account statement(s) provided by Discover to Defendant(s). - 9. Attached hereto and incorporated herein as Exhibit “D" is a true and accurate account history (retrieved from the record-keeping system described above) that shows the current balance due and owing on the Account. The balance shown on Exhibit “D” differs from the balance shown on the account statement attached as Exhibit “C” because Exhibit “D” reflects activity that occurred with respect to the Account after the account statement (Exhibit “C”) was created. . 10. The terms and conditions of the Account allow for the recovery of court costs in the event legal action is necessary to recover the sums due on the Account. As such, Discover is entitled to recover its court costs. Page 3 PLAINTIFF’S DECLARATION IN SUPPORT OF MOTION FOR SUMMARY JUDGMENT OR IN THE ALTERNATIVE FOR SUMMARY ADIUDICATION Personal Loan Accoum Ending In: 9041 CRISTOFER RAMIREZ \OOOVONMLUJNH NNNNNNNNN mqamgwm-oGSZSGIGGZS ll. After applying all payments, credits, and adjustments, there is now due and owing to Discover from Defendant(s), the principal sum of $10,200.46, plus costs. Despite Discover’s demands, no part of this sum has been paid. There are no other offsets 0r credits due on Defendant(s’) account. 12. 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 of perjury under the laws of the State of Califomia that the foregoing is true and correct and that this Declaration was executed in WESt valley City . If called as a witness, I could competently testify to the matters stated herein. Executed this 3rd day of August , 20 21 , at WEStvaneV City , Utah WW(7W Name: Jesse Mathews Page 4 PLAINTIFF’S DECLARATION IN SUPPORT OF MOTION FOR SUMMARY JUDGMENT OR IN THE ALTERNATIVE FOR SUMMARY ADIUDICATION Personal Loan Account Ending In: 904! CRISTOFER RAMIREZ EXHIBITA mm .SVEZI- .-._ w Welcome Io Discover® Personal Loans! We're happy fo help you meet your financial goals. Disc VER' Dear Cristofer Ramirez, Welcome - and thanks for choosing us to help you achieve your financial goals! Your new loan numberis-904]. Your first payment of $273.71 is due on July 24th. Your loan has been disbursed per your request: Lost 4 digits of Name of account accoun? number Amount disbursed Cristofer Ramirez 0936 $9,800.00 Find valuable information about your loan in the enclosed Truth-In-Lending Disclosures, Loon Agreement and Quick Info Guide. If you ever need assistance, our U.S.-based customer service representatives ore ready to help on weekdays from 8 a.m. f0 8 p.m., ET. Simply coll 1-877-256-2632. Sincerely, R. Simon Regional Operations Director Discover Personal Loans P.S. If you haven't already, register for our online Account Cenfer for easy account management. Visit bank.discover.com/regisfer. WLK 100860 Page 1 of 4 PO Box 30958 Salt Loke Ci1y, UT 84130-0958 lrll'l'lllIIIIIIIIIIIll'l'lllllfllllIllnll'llll’llIllllllll'll' Thank YOU for being o valued Crisfofer Ramirez Customer.1804 Pine Hollow Cir San Jose, CA 95133 If you have questions, visit Discover.com/PersonoloLoons or coll us at 1-877-256-2632 m o m m m o m A DISC®VER 411-: PERSONAL LOANS L0AN_9041 June 5, 2019 TRUTH-lN-LENDING DISCLOSURES Creditor: Discover Bank - Wilmington, DE 19850 A_Knual Percentage Rate I Finance Charge The cost of your credit as a The dollar amount the yearly rote: credit will cost you: ..___2_J-_9__8_%“ _#4_ $616220] .._...___ Your payment schedule will be: ~ fimounf Financed Total of Poyrfiénts $9,800.00 The amount of credit The amount you will have paid after provided to you or on you have mode all payments as your behalf: scheduled: $léL422.Ol___ Number of Payments: 'Amounf of Payments: 59 é $273.7] 1 I $273. 1 2 charge you a Late Fee When Payments ore Due: of $39.00 Monthly beginning July 24th 'June 24, 2024 If we do not receive the full amount of any monthly payment by its due date, we will Prepayment: If you pay off early, you will not have to pay a penalty and will no? be entitled to any refund of any paid finance charge. Further Terms: See the enclosed Loon Agreement for any additional information about nonpayment, default, ony required repayment in full before the scheduled date, and prepayment refunds and penalties. Your interest rate is: 2] 99% Thank you for being a valued Customer. If you hove questions, visit Discover.com/Persona|-Loans or coll us of 1-877-256-2632 Page 3 of 4 PERSONAL LOANS LOAN_9041 June 5, 201 9 ITEMIZATION OF AMOUNT FINANCED Loan Amount: $9,800.00 Originafion Fee: -$0.00 Amount Financed: $9,800.00 Memizafion of the amount financed totaling: $9,800.00 Cristofer Ramirez Account ending in 0936 $9,800.00 Thank you for being o valued Customer. If you have questions, visit Discover.com/Personal-Loans or coll us of 1-877-256-2632 Page 4 of 4 EXHIBIT B mm DISC.VER' I PERSONAL LOANS Rev. 03/18 WHAT DOES DISCOVER BANK DO WITH YOUR PERSONAL INFORMATION? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some. bu! not ail sharing. Federal law also requires us to tell you howwe coflecl, share. and protect your personal information. Please read this notice carefu!(y to understand what we do. Ihe types ofpersonal information we couecl and share depend on the product orservice you have' with us. Ihis information can include: t Social Secutity number and income ' account balances and payment history _0 transaction history and credit history 4 I All financial companies need lo share Cuscomers’ personal information to run their everyday business. In the section below. we list the reasons financial companies can share their customers' personal information; the reasons Discover Bank chooses to share; and whetheryou can limit this sharing. r m1'f' rnf m1 " s wm J d m ‘ . ..... . "119.. H | I3 for our everyday business purposes- . such as to process your transactions. maintain your accounl(s). Yes - Norespond lo court elders and legal investigations. or report to ' 3 credit bureaus Fol our mavkeflng purposes- Yes -. Noto offer our products and services lo you ‘ For joint marketing wllh other financial companies Yes No Forour affiliates’ everyday business purposes- Yes .‘ No Iinformation aboutyourtransactions and experiences : For our affiliates' everyday business purposes- Yes Yes‘nfovmation about your creditworthiness y For our affiliates to market to you Yes I Yes Yes Yes far nonafflllatos to market lo you Call 1-877-256-2632: our menu will prompt you through you: choices. Please note: lfyou are a new customer, we can begin sharing your information 30 days flom the date we sent this notice. When you are no longer ourcustomer. we continue to share your information as desaibed in this notice‘ However, you tan contad us at any time to limit our sharing. a \u Call 1-877-2 56-263? 91018 Oixavelauk. Membevmlc DPLPPOSIS Page 2 .Le Who is providing This privacy policy is being provided by Discover Bank and appfies to any unsecured i (his notice? personal lnan you may have with us and lhe products and services offered in connection . with those loans. - , .96 u r. ‘I How does Discover' To protectyour personal information fmm unamhorized access and use. we use secuvity :' Bank protect my I measures that comply with federa| law. These measures include compulersafeguards and i persona! secured files and buildings. informalion? How does Discover We collect your personal information. for example, when you: . . ,. mam... ...._-..._ ~_<-...-”. . . - __._ ._._,._ _V......,_ . 1 Bank collect 0 open an account orapply for a loan my personal - give us your contact information o: your income information |_ information? 0 provide employment infmmalion . ' _= We also coflect your personal information flom others, such as credit bureaus, affiliates. f ' orothercompanies. Why can't Federal law only gives you the right (o limit: , I limit all sharing? O sharing foraffiliates‘ everyday business purposes-Enformalion about = your creditworthiness j | | i - affiliates from using your information to market to you 1 0 sharing for nonaffiliates to market to you State laws and individua! (ompanies may give you additional tights to limit shating. See below for more on your rights under state law. What happens You! choices will apply to everyone on you! account. when B limit g sharing for an account I hold jointly with someone else? » evh. «a- .\-\,.ru~~-» a v, _ Affiliates Companies related by common ownership orcontrol. They can be financlal and nonflnancial I‘ companies. Our affiliates include companies with a Discover orDFS name and financial g companies such as Diners Club international Ltd.; PULSE Network LLC.; The Student Loan i _ Corpotalion; and GTC Insurance Agenty, Inc. Companies not related by common ownership orconlrol. They can be financial and nanfinancial companies. Nonaffiliates we share with can include service provides. Q Nonalfiliates Joint marketing Afonnal agreement between nonaffiiiated financial companiesthat together market financial products or services to you, Our joint marketing partners can include institutions such as insurance companies. nw um:- fifa‘malgd '= Vermont Residents - We will not disclose information aboutyour (veditworthiness to ouralfitiates and wi|| not disdose your personal information. financial information, credit report. or health information lo nonaffiliated third patties to market lo you. olhu than as pevmilted by Vermont law, unless you authorize us to make {hose disclosures. Find additional infonnalion about om privacy policies al www.discover.com/privacy-statement or by calling 1-877-256-2632. Callfomla Residents - Except as permitted by law, we will not share information we :ollect about you with nonaffiliales orioint markeling partners while you are a resident of California. Nevada Resldents - You may call 1-877-256-2632 to be placed on our Do Not Call List. For more infomafion. mail Oisccver Personal Loans. R0. Box 30954. Salt Lake City, UT 841 30. orvisi! www.discover.com/personal~loans. You may also contact the Bureau of Consumer Protection. Office of me Nevada Anomey General, 555 E. Washington Ava. Suite 3900. Las Vegas. NV 89101. call 1702-48661 32. or email BCPINFO@ag.state.nv.us. This notice is provided pursuant m state law‘ DISC VER' Loan Agreement DISCOVER l peasom toms PROMISE T0 PAY: You agree to the terms of this Loan Agreement and promise to pay to Discover Bank (“us" or “we” or "our”) the Principal Amount Advanced (the Amount Financed), with interest at the Interest Rate disclosed with the Truth in Lending Disclosure Statement. Interest will begin to accrue on the entire Principal AmountAdvanced from the date ofthe first disbursement and will continue to accrue on the unpaid balance of the principal amount until you have repaid all of the Principal Amount Advanced. If disbursement is by check, interest will begin to accrue from the date the check is issued. The method used to calculate interest is Simple Interest. Simple interest is calculated daily by dividing the Loan Interest Rate by 365 and multiplying that by the Unpaid Principal Amount. This is the Daily Interest charged. Interest charged for any billing period is calculated by adding the Daily Interest charged for the days in that billing period. The payment schedule is estimated on the Truth in Lending Disclosure Statement. You will make consecutive monthly payments in the amounts and in accordance with the due dates shown on the monthly billing statements or coupons that you will receive. You are obligated to pay the monthly payments by the due date even ifyou do not receive a billing statement or coupon. In the event you do not receive a billing statement or coupon, you may contact us to obtain your payment information by calling 1-877-256-2632 (or such other telephone number as we may subsequently provide to you). Sending cash payments is not allowed. Cash is easily lost or stolen. Ifyou send cash, we may refuse to accept it. Each Scheduled Payment (minimum payment due each month) will be applied, first to accrued and unpaid interest, then to the unpaid balance of the Principal Amount Advanced, then to any unpaid Late Fees. The Fmance Charge (the total interest you pay) and Total of Payments (the total interest and principal you pay) described on the Truth in Lending Disclosure Statement are based on the assumption that you will make every payment on the day it is due for the defined term of the loan. Any payment that exceeds the Scheduled Payment will be applied first to any unpaid Late Fees, then to accrued and unpaid interest, then to the unpaid balance ofthe Principal Amount Advanced. Your final payment may be larger or smaller, depending on whether you have made payments late or early. If payments are received late, your final payment may be larger, or if payments are received early, your finat payment may be smaller. If you requested that your due date be on a particular day of the month, or delay in notifying us of your acceptance of your loan, it may increase or decrease the length of your first billing period. A longer first billing period will result in increased finance charges and will increase the amount of your monthly payments. A shorter first billing period will result in decreased finance charges and a smaller final payment. You agree to pay all amounts then outstanding with your final payment; however, the number of payments will be increased, if necessary, so that the amount of the final payment will not be more than twice the amount ofthe previous payment. Any portion of the outstanding balance that remains un paid after maturity will bear interest. We can accept late payments, partial payments, or checks and money orders marked “payment in full”, or with any other restrictive endorsement, without losing any of our rights under this Loan Agreement. DISBURSEMENT: The proceeds ofyour loan will be disbursed in accordance with the instructions you have provided. If we reasonably conclude that we wiu not be able to disburse some or all of the proceeds ofyour loan in accordance with your instructions, then at our sole discretion, we may either issue a check to you or credit your loan account for the amount that we were unable to disburse as you requested. PREPAYMENT: You may prepay all or part ofyour loan at any time without penalty. LATE FEE: Unless otherwise prohibited by applicable law, ii we do not receive the full amount of any monthly payment by its due date, you will pay a Late Fee of $39. DEFAULT-ACCELERATION-COLLECTION COSTS: You will be in default if we do not receive the full amount of any monthly payment by its due date or if we reasonably believe thatyou are unable or unwilling to pay. lfyou are in default, we can demand upon notice the immediate payment ofyouroutstanding Loan balance. In addition, a negative credit repon reflecting on your credit record may be submitted to one or more credit reporting agencies. lfyou are in default on this loan and Discover Bank owns your loan at the time of default, you will also be considered to be in default on any other Discover card or loan account you have with us. We can accept late payments or partial payments, or delay enforcing or not enforce any of our rights under this Loan Agreement without losing or waiving them. If we refer the collection of your loan to an attorney or employ an attorney to represent us with regard to recovery of money that you owe us, we may charge you reasonable attorneys’ fees and coun or other collection costs as permitted by law and as actually incurred by us, including fees and cost in connection with any appeal. PRIVACY: Our Privacy Policy includes a summary ofthe personal information we collect, when it may be shared with others. how we safeguard the confidentiality and security of information and the steps you may take to limit our sharing of such information with others. OUR COMMUNICATION WITH YOU: You agree that we (and our affiliates, agents, and contractors) may monitor or record any calls between you and us. You agree Discover Bank, its affiliates. and agents (“Discover”) may call, including text you about any current or future accounts or applications, with respect to all products you have with Discover at any phone number you provide. In addition, you agree Discover may contactyou using an automatic dialer or pre-recorded voice message, even if your phone provider may charge you for calls or texts. You also authorize Discoverto manually contactyou at any number (i) you have provided to us, GD from which you called us, or (iiD which we obtained and believe we can reach you at. NOHCESTO US:You must give certain notices to us in writing. Ifyou change your address you must notify us of your new address in writing within 15 days. Any communications with us required or permitted under the Federal Bankruptcy Code must be in writing, must include your account number, and must be sent to Discover° Personal loans, PO Box 30396, Salt lake City, UT 84130-0396 (or such other address as we shall subsequently provide to you). ASSIGNMENT OF LOAN: We may sell, assign ortransferyour loan or any portion thereof without notice to you. MILITARY LENDING ACT: (1) Oral Disclosures. lfyou are a memberof the Armed Forces ora dependent of such a member covered by the federal Military Lending Act, before proceeding with this Agreement, if you wish to hear important discloswes and payment information, please call 1-844-DFS-4MIL. (2) Statement of the Military Annual Percentage Rate (MAPR). Effective October 3, 2016, Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit, including instaIlment loans. in general, the cost of consumer credit to a member ofthe Armed Forces and their dependents may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: 0 the costs associated with credit insurance premiums; 0 fees for ancillary products sold in connection with the credit transaction; 0 any application fee charged (other than certain application fees for specified credit transactions or accounts); and 0 any participation fee charged (other than certain participation fees for a credit card account) - For more information on whether this applies to you, please contact us at 1-844-DFS-4MIL anytime 24/7. lfcalling outside the US, you can contact us at +1-801-451-3730. ARBITRATION Agreement to arbitrate. In the event of a dispute between you and us arising under or relating to this Account, either may choose to resolve the dispute 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 T0 LITIGATE SUCH CLAIM IN COURT 0R T0 HAVE A JURY TRIAL. ALSO DISCOVERY AND APPEAL RIGHTS ARE UMITED IN ARBITRATION. This Arbitration Provision does not apply if, on the date you submit your Application or on the date we seek to invoke our arbitration provision, you are a member ofthe Armed Forces or a dependent of such a member covered by the federal Military Lending Act. If you would |ike more information about whether you are covered by the Military Lending Act, please contact us at 1-844-DFS-4MIL or if you are calling from outside the US at+1~801~451-3730. CLASS ACTION WAIVER. ARBITRATION MUST BE ON AN INDIVIDUAL BASIS. THIS MEANS NEITHER YOU NOR WE MAY JOIN OR CONSOLIDATE CLAIMS IN ARBITRATION BY 0R AGAINST OTHER ACCOUNTHOLDERS, 0R LITIGATE IN COURT 0R ARBITRATE ANY CLAIMS AS A REPRESENTATIVE 0R MEMBER 0F A CLASS 0R IN A PRIVATE ATTORNEY GENERAL CAPAOTY. Only a court. and not an arbitrator, shall determine the validity and effect of the Class Action Waiver. Even if 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. Your Right to Go to Small Claims Court. We will not choose to arbitrate any claim you bring in small claims court. However, ifsuch a claim is transferred, removed or appealed to a different court. we may then choose to arbitrate. Governing Law and Rules. This arbitration agreement is governed by the Federal Arbitration Act (“F "). 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 ifthere is disagreement between the agreement and the organization’s procedures. Ifthe organization’s procedures change after the ctaim is filed, the procedures in effect when the claim was filed will apply. For a copy of each organization’s procedures. to file a claim or for other information, please contact: 0 AAA at 1101 Laure‘ Oak Rd., Voorhees, NJ 08043, www.adr.org (phone 1-877-495-4185) 0r 0 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 ifyou and we cannot agree on a substitute, then either you or we may request that a court appoint a substitute. Fees and Costs. Ifyou wish to begin arbitration against us but you cannot afford to pay the organization’s or arbitrator’s costs, we will pay those costs if you ask us in writing. Any request like this should be sent to Discover Bank, P0 Box 30416, Salt Lake City, UT 84130. If you lose the arbitration, the arbitrator will decide whether you must reimburse us for money we advanced f0! you for the arbitration. If you win the arbitration, we will not ask for reimbursement of money we advanced. 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: 0 Follow atl applicable substantive law, except when contradicted by the FAA; o Follow applicable statutes of limitations; o Honorvalid claims of privilege; o Issue a written decision including the reasons for the award. The arbitrator's decision will be final and binding except for any teview allowed by the FAA. However, if more than $100,000 was genuinely in dispute, then either you or we 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 filed 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 pan of its award. Any arbitration award may be enforced (such as through a judgment) in any court with iurisdiction. Other Beneficiaries of this Provision. In addition to you and us, the rights and duties described in this arbitration agreement apply to: our affiliates and our and their officers, directors and employees; any third party co- defendant of a claim subject to this arbitration provision; and all joint Accountholders ofyourAccount(s). Suwival ofthis Provision. This arbitration provision shall survive: 0 closing ofyourAccount; 0 any legal proceedings to collect money you owe; 0 any bankruptcy by you; and o any sale by us ofyourAccount, You Have the Right to Reject Arbitration for this Account. You may reject the arbitration agreement but only if we receive from you a mitten notice of rejection within 30 days of your receipt of this Agreement. You must send the notice of reiection to: Discover Bank, P0 Box 3041 6, Salt Lake City, UT 84130. Your rejection notice must include your name, address, phone number. Account numberand personal signature. No one else may sign the rejection notice foryou. Your rejection notice also must not be sent with any othercorrespondence. Rejection ofarbitration will notaffectyourother rights or responsibilities underthisAgreement. lfyou reject arbitration, neitheryou nor we will be subject to the arbitration provisions for this Account. CREDIT REPORTS: You authorize us to obtain your credit report at any time before your Loan is repaid in full. If you ask, we will tell you whether one was obtained and the name and address ofthe credit bureau that was used. GOVERNING LAW: This Loan Agreement and any claim or dispute arising out of this Loan Agreement wilt be governed by applicable federal law and, to the extent state law applies, Delaware law. We may report information about your loan to credit bmeaus. late payments, missed payments or other defaults on your loan may be reflected on your credit report. If you believe that specific information that we have reported about you: loan is inaccurate, notify us at Discover Personal Loans, PO Box 30396, Salt Lake City, UT84130-0396 (or such other address as we shall subsequenfly provide to you). STATE-SPECIFIC PROVISIONS: California Residents: A married applicant may apply for a separate account. California and Utah Residents: As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a consumer credit reporting agency if you fail to perform the terms ofyour credit obligations. Iowa and Kansas Residents: NOTICE T0 CONSUMER: (1) Do not enter into this Loan Agreement before you read it. (2) You are entitled to a copy of this Loan Agreement. (3) You may prepay the unpaid balance at anytime without penalty and may be entitled to receive a refund of unearned finance charges in accordance with law. Maryland Residents: We elect Subtitle 10, Credit Grantor Ctosed-End Credit Provision to Title 12 of the Commercial Law Article of the Annotated Code of Maryland, to govern this Loan Agreement, only to the extent not inconsistent with 12 U.S.C. §1831d and related regulations and opinions. Missouri Residents: Oral agreements or commitments to loan money, extend credit, or to forbear from enforcing repayment of a debt, including promises to extend or renew such debts, are not enforceable. To protect you (borrower(s)) and us (creditor) from misunderstanding or disappointment, DISCQVER' any agreements we reach covering such matters are contained in this writing, which is the complete and exclusive statement of the agreement between us, except as we may later agree in writing to modify it. New Hampshire Residents: If we refer this Loan Agreement to an attorney for collection, you agree to pay our reasonable attorneys’ fees. However, if you prevail in (1) any action, suit, or proceeding we bring, or (2) an action brought by you in connection with this Loan Agreement, or (3) ifyou successfully assert a partial defense or setoff, recoupment, or counterclaim to an action brought by us, the court may withhold from us the entire amount or such portion ofthe attorneys’ fees as the coun considers equitable. New York and Vermont Residents: A consumer credit report may be ordered on you in connection with your application for credit. If you ask, we will tell you whether or not one was ordered and if one was, the name and address of the consumercredit reporting agency that provided it. Subsequent consumer credit reports may be requested or used in connection with an update, renewal, or extension ofthe credit applied for without further notice to you. Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to atl credit-wonhy customers and that consumer credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. Texas Residents: You give up (waive) you: common law rights to receive notice of intent to accelerate and notice of acceleration. This means that you give up the right to receive notice that we intend to demand that you pay all that you owe on this contract at once (accelerate) and notice that we have accelerated. This written Loan Agreement represents the final agreement between the parties and may not be contradicted by evidence of prior, contemporaneous or subsequent oral agreements of the parties. There are no unwritten oral agreements between the parties. West Virginia Residents: Any provision in this Loan Agreement authorizing the holder of this Loan Agreement to collect attorneys’ fees in the event of a default are void ifthe party being sued for collection is a resident ofthe State of West Virginia. Wisconsin Residents: If you are a married Wisconsin resident, your signature confirms that this loan obligation is being incurred in the interest of your marriage or family. No provision of any marital property agreement (i.e., premarital agreement), unilaterat statement under Section 766.59 of the Wisconsin Statutes, or court decree under Section 766.70 of the Wisconsin Statutes adversely affects the interest of the Lender unless the Lender, prior to the time that the loan is approved, is furnished with a copy of the marital property agreement, a statement, or a decree or has actual knowledge of the adverse provision. lf the loan for which you are applying is granted, you will notify us if you have a spouse who needs to receive notification that credit has been extended to you. Notwith standing the provisions ofthe paragraph marked “DEFAULT-ACCELERATION~COLLECTION COSTS” to the contrary, you will be in default hereunder only (1) if the interval between scheduled payments is 2 months or less, and you permit to be outstanding an amount exceeding one full payment that has remained unpaid for more than 10 days after its scheduled due date or deferred due date, oryou fail to pay the first payment or the last payment within 40 days of its scheduled due date, or (2) if the interval between scheduled payments is more than 2 months, you permit to be outstanding all orany part ofone scheduled payment that has remained unpaid for more than 60 days after its scheduled due date or deferred due date. You will also be in default if you fail to observe any other provision of this Loan Agreement, the breach of which materially impairs your ability to pay the amounts due under this Loan Agreement. 30-DAY GUARANTEE: lfyou return the loan proceeds (all amounts advanced to you or on your behalf) within 30 days of the date of disbursement ofyour loan, we will not charge you any interest or origination fees (if applicable) and your loan will be canceled. You must submit your request to cancel to us in writing, along with a single check for the amount of the loan proceeds, and mail it to: Discover Personal loans, P0 Box 30396, Salt Lake City, UT 814130-0396 (or such other address as we shall subsequently provide you). We must receive this request to cancel and the loan proceeds within 30 days of the date of disbursement ofyour loan. DISCOVER‘ ©2019 Discover Bank, Member FDIC DPLLA.01.19 PERSONAL LOANS EXHIBIT C mm DISC®VER Accoumnumben _9ou PERSONAL LOANS Siotemeni Date: Odober 4, 2020 Page I Of 2 Loan Maturity Date: 08/24/24 New Amount Due: $273.71 Interest Raie: 21 .99% ; Amount Pas? Due: $1,094.84 _-. Standard Monthly Payment Amount: $273.7] Lore Fees Due: $|56.00 “I If New Amount Due and Amount Past Due ore received offer Ihe Tm“. Am°um 0‘”: $152455 Total Amount Due By dare, a $39 Late Fee will be charged. Note: TM“! Am°um Due By: ‘0/24/20 Payment of fhe Total Amount Due may be required to bring your Principal Bc‘once $9,132.98account fully current Your account is currently past due by the Amount Past Due shown. as of Statement Date: To receive your payoff amount, please visit ihe Account Center at hfips://www.discover.com/personal-loans/login-regisier/ IMPORTANT MESSAGES r Having trouble making your payments? We may hove options to lower your payment and make it affordable for you. PaymentAssismnce Specialisis are available to assist you Monday through Friday, 8 am to 10 pm ET, Saturday 8 am to 2 pm ET or Sunday 9 am to 3pm ET. Please coll us al 1-877-256-2660 ACCOUNT ACTIVITY If you make a payment in an amount fhot exceeds the Tofol Amount Due and you would like to have the amouni applied ?owcrds your next month's payment, please inform us of Discover.com/Personal-Loans or ca" us at 1-877-256-2632. Late Fees Paid: TRANSACTION DETAILS for 9/4/20 - 10/4/20 DATE POSTED AMOUNT Late Fee Assessed 09/28 $39.00 Total Payment Amounts Received $0.00 See your {ransadion hisiory and interest information in the Account Center at hflps://www.discover.com/personal-loans/login-regisfer/ PAYMENT AMOUNTS ' ‘ e Interest Paid: $0.00 Principal Paid: $0.00 $0.00 PIease make checks payable lo Discover’ Personal Loans. Please folé on the perfprgripn beiow, detgch and return with your payment. Payment Coupon Pay Onlino Pay by Phone Please do nol iold, clip or staph. Discovemom/PenonaLLoans 1.877.256.2632 Cristofer Ramirez 1804 Pine Hoilow Cir ,l San Jose, CA 951 33-1 727 ‘5" Phone and online poymenls iml-oled after 5 PM ET will be credited lhe fallowmg day Address, e~mail or tohphone changed? Note changes on reverse sxdc. See reverse side for important inlormation aboul your account. J Accouni Number: 904] T999] A_rrjgunf Due:__ \ _ §l,524.55 Total Amount Due By: 10/24/20 II New Amount Duo and Amount Pas! Due shown in the Account Summary section above are received aher 'heToOal Amount Due By date, a $39 Late Fee will be charged. Amount Enclosed: 3 I I Mail To: DiSCOVER PERSONAL LOANS PO BOX 6105 CAROL STREAM, IL 601 97-61 05 II,.I..II.II..II,ll,m,l.lulu..”.,..I,.I.n.I.,|.,m,|l..|,| Cristofer Ra mi rez CONTACT US Visit us online, anytime See 0H of your transaction hislory ond mleresf accrual information in J lhe Account Center hnps://www.discover.com/ I personal-loans/login-register/ IMPORTANT INFORMATION: lOAN AGREEMENT: Please refer Io the Truth-in~Lending Disclosures 0nd Loan Agreement included in your welcome kit for the terms and conditions of your account. CREDIT REPORTING: We moy repon information about your account to credit bureaus. Lore payments, missed payments, or other defaults on your account may be reflected in your credn report If you believe that our report is incorrect or incompleie, please write to us at the general correspondence address Iisied ob0ve. Please include your name, address, account number and a phone number where you con be reached should we have questions or need lo speak with you. PAYMENTS: Send only your payment and lhe bottom porfion of this statement in the envelope provided; PLEASE DO NOT SEND CASH Sending cosh payments is no! allowed. By sending your check, you authorize us to use information on your check to make on electronic fund transfer (EFT) from your account ul the financial insmulion indicated on your check, or to process the payment as o check transaction. If the payment is processed cs on elecronic fund lronsfer, the transfer will be for the omounl of Ihe check. When we use inlotmafion from your check Io make an electronic fund transfer, funds may be withdrawn from your account as soon as the some day we receive your payment, and you will not receive your check back from your financial institution. The processing of your acceptable form of payment may be delayed if you send cosh, correspondence or other items with your payment, i! you send the payment lo any other address, or if you use on envelope oiher Ihcn the one provided. Unless {equested otherwise, payments received by 5pm Eastern Time m the payment address on any day will be credited cs of tho! day. Payments received at Ihe payment address afler 5pm Eastern Time will be crediied as of the ihut next day If you hove misplaced your envelope, send your payment lo Discover Personal Loans, PO Box 6|05,Caro| Stream, IL 60197-6105.Please allow 7-]Odays for delivery. If your paymenl is relumed unpaid, we reserve the right to resubmit it as an electronic debit. For overnight payments please send to: Discover Personal Loans, Ann: LockBox Opera!ions/6105,2012Corporate Lane, Suiie 108, Noperville, IL 60563 Account Number:-904l Statement Date: October 4, 2020 Page 2 of 2 Cull l-877-256-2632, opt. I TDD coll 1-866-710-3357 Aulomoted phones are available 24/7. Cusiomer Service Agenls are available Io assist you Monday through Friday, Mail Paymenis To Discover Personal Loans Write to us at Discover® Po Box 30396 PO Box 6105 Salt Lake City, UT 84 I30 Carol Sfreorn, IL 601 97-6] 05(Not a poymen? address) You can also pay your Monthly Paymenl Amount, or a greater omounl lhal does not exceed your Currenl Payoff Balance, over lhe telephone, or online cl Discover.com/PersonoI-Loans. In order to make a payment by telephone, you will need your personal loan account Information and your bank account information. By pressing '1' lo confirm your payment by phone, you will be agreeing Io the authorization lo allow us and your bank Io dedud each payment you aulhon’ze, in the amount seleded by you, from your bank account. You also authorize us to initiate debit or Clad»! enmes to your bonk account, as applicable, to correct any error in the processmg of such payment. Payments mode for the same day will be processed immedlalely and cannot be canceled once submiNed However, you con cancel a payment schedu'ed for a future date by contading us at l-877-256-2632prior to 5pm Eastern Time on Che poymeni dole. To cancel by mail, send io: Discover Personal Loans, PO Box 3039650“ Lake City, UT 84130.0396;however we must receive nofice o! least three (3) business days in advance of the scheduled payment dole. AUTOMATIC PAYMENTS SERVICE: You hove Ihe option of scheduling a recurring automanc payment for either the Monthly Payment Amount or another amount of your choice. You must ensure that sufllcient funds ore available in your bank account, and all transactions mus! comply with U.S. law. If your Aulomoiic Payment Amount is no! enough Io cover Ihe Monthly Payment Amount as listed on your monthly billing slovemenh you will be responsible for paying any difference. If the scheduled Automalic Payment Amount is greater than the Monthly Payment Amount, any excess will be applied in accordance with your Loon Agreement. Your Automatic Poymenl Amount may be less than the Total Amount Due Indacared on your monthly billing stalement based on credits or poymenis aher Ihe closing dole. If your scheduled payment date falls on a weekend or o bank holiday, your payment will be processed the busmess day afler the weekend or bank holiday. Check one: :3 Monthly Payment Amount or C] Other Amounl: $___ Bunk Routing #z .. Bunk Account #: A Frequency (check one): E Monthly on Payment Due Date or U0n__ o! each month. Date: . §HANGE OFADDRESS ll correct on front, do no? use. Please print clearly in blue or black ink in the space provided. J ' Street Address . City State, Zip Home Phone Work Phone { l . . _J M...__w_J Email To make changes to your address, email or telephone please visit Discover.com/Personal-Loans 4% .. ‘Swfifi'fifi DISC$VER Accoumnumben -9ou PERSONAL LOANS account fully current. Your account is currently past due by the Amount Past Due shown. as of Statement Date: Statement Doie: September 4, 2020 Pogo I 0f 2 Loan Maturity Date: 08/24/24 New Amount Due: $273.71 Interest Rafe: 21.99% Amount Pasf Due: $821.13 _- Standard Monthly Payment Amount $273.71 ' Late Fees Due: $1 I 7.00 ‘2’ If New Amount Duo and Amount Past Due are received offer fhe T°'°| Amm’m Due: 51'“ 1'84 Total Amount Due By date, a $39 Late Fee will be charged. Note: I T°‘°' Amm’m Due By: 09/24/20 Payment of the Total Amount Due may be required fo bring your _ . . l' Prmcnpol Balance $9,132.98 To receive your payoff amount, please visit the Account Center at hflps://www.discover.com/personol-|oans/login-register/ IMPORTANT MESSAGES Having trouble making your payments? We may hove options to lower If you make a payment in an amount ihat exceeds the your payment and make it affordable for you. Payment Assistance Total Amount Due and you would like to hove ?he Specialists are available to assist you Monday through Friday, 8 om to 10 amount applied towards your nexf month‘s payment, pm ET, Saturday 8 am to 2 pm ET or Sunday 9 am to 3pm ET. Please call please inform us at Discover.com/PersonaI-Loans or us at 1-877-256-2660 call us at 1-877-256-2632. J TRANSACTION DETAILS for 8/4/20 - 9/4/20 DATE POSTED AMOUNT Late Fee Assessed 08/28 $3900 Total Payment Amounts Received $0.00 See your transaction history and interest information in the Account Center cl hfips://www.discover.com/personal-loons/login-regisfer/ PAYMENT AMOUNTS Interest Paid: $0.00 Principal Paid: $0.00 Late Fees Paid: $0.00 j Please make checks payable to Discover” Personal Loans. . O _ .See reverse side for Imporlam Information about your account. L Payment Coupon e Pay Onlino Q Pay by Phone ] Account Number: mPlease do no? fcld, clip or staple. Discovomom/Pcnonal-Louns 1-877-256-2632 Tom Amount Due; s 1 I21 1‘34 Total Amouni Due 8y: 09/24/20 qu-MI --mIIm-umuuInmm-u.Iml-Ilmwunuw umMm WW. h Accoun! Summary sedron above ore received aher IheTotal Amounl Due By dale, a S39 Late Fee wull be charged Cnstofer Ramirez AmountEnclosed: 3 l lI804 Pine Hollow Cir Son Jose, CA 95133-1 727 fl Mail to: DISCOVER PERSONAL LOANS PO BOX 61 05 CAROL STREAM, IL 60197-6105 Phone and online payments Inih'aIed ufler S PM ET will be crediled lhe iollowmg day I'IIIIHIIl'lhI'l'luunnlllhq'l‘l‘HlllllllulllullluuhAddress, o-muil or hlaphono changed? Nole changes on reverse side. Crisfofer Ramirez CQNIACT US Visit us online, anytime See all of your transaction hislory and interest accrual informovion in Ihe Accounl Center hflps://www.discover.com/ personaI-loans/Iogin-register/ l i __ 1 8 om-8 pm Easiem time. IMPORTANT INFORMATION: lOAN AGREEMENT: Please refer to lhe Trth-in-Lending Disclosures ond Loan Agreement included in your welcome kil for the Ierms and conditions of your accouni. CREDIT REPORTING: We moy repon information about your account Io credit bureaus. Lo’e payments, missed puymenls, or olher defaults on your account may be reflected m your credal report If you believe tho! our repon is incorrect or incomplete, please write lo us at Qhe general correspondence address “sled above. Please include your name, address, account number and a phone number where you can be reached should we hove questions or need to speak with you. PAYMENTS: Send only your payment and the boflom poflion of this slatemenf in the envelope provided. PLEASE DO NOT SEND CASH. Sending cash payments is noI allowed. By sending your check, you authorize us to use information on your check Io make on electronic fund t(ansfer (EFD from your account cl Ihe financial institution indicated on your check, or to process the payment as a check Ironsoction. If lhe payment is processed us on electronic fund lmnsfer, 'he lronsfer will be for 1he amount of the check When we use information from your check to make on electronic fund transfer, funds may be withdrawn from your account os soon cs the same doy we receive your payment, and you will not receive your check back from your financial institution. The processing of your acceptable form of payment may be delayed fl you send cash, correspondence or oiher items with your payment, if you send the payment to any olher address, or if you use an envelope other than the one provided. Unless requested otherwise, payments received by 5pm Eastern Time al the payment address on any day will be credited as of that day. Payments received oi lhe payment address aher 5pm Eastern Time wi" be credited as of the that next day. If you have misplaced your envelope, send your payment Io Discover Personal Loans, PO Box 6105,Coro|SIreom, IL 60197-6105.Pleose allow 7-]Odays for delivery‘ H your payment is relumed unpaid, we reserve the right Io resubmii it as on electronic debit. For overnight payments please send to: Discover Personal Loans, Ann: LockBox Opemtions/6105,2OI2Corporate Lone, Suiie 108, Noperville, IL 60563 ?HANGE OF ADDRESS H corred on front, do n01 use, Please print clearly in blue or black ink in Ihe space provided. Account Number:_9041 Coll 1-877-256-2632, opt. 1 TDD call l-866-7l0-3357 Automated phones ore available 24/7. Cusfomer Service Agents are available to assist you Monday through Friday, Street Address City State, Zip Statement Da1e: September 4, 2020 Page 2 of 2 _ ..___,.____,_....... _ .M. . .______._ww_.‘- Mail Payments To Discover Personal Loans Write to us oi Discover® PO Box 30396 :0 Blog'MOS ILS ltL k C , UT 84130 aro ream,a O e "y 60197-6105(Not o payment address) You con also pay your Monfihly Payment Amount, or a greoler amount tho! does no? exceed your Current Payoff Balance, over the telephone, or online a! Discover.com/PersonoI-Loons. In order to make a payment by telephone, you will need your personoI loan account Information and your bank cccounl information. By pressing '1 Io confirm your payment by phone, you will be agreeing io the authorization Io allow us and your bank lo deduct each payment you authorize, in the amount selected by you, from your bank account You also authorize us to initials debit or credit entries lo your bank account, as applicable, lo correcl any error in the processing of such payment. Payments mode for the some day will be processed immediately and cannot be canceled once submifled. However, you can cancel o payment scheduled for a future date by contacting us of I-877-256-2632priorto 5pm Eastern Time on the payment dale. To cancel by mail, send to: Discover Personal Loans, PO Box 30396,Soh Lake City, UT 84130-0396;however we must receive notice ol least three (3) business days in advance of Ihe scheduled payment dale. AUTOMATIC PAYMENTS SERVICE: You hove the option of scheduling o recurring automatic poymeni for either the Monthly Payment Amount or another amount of your choice. You must ensure that sufficien’ funds ore available in your bank account, and oil transactions mus! comply wilh U.S. law. If yeur Automalic Poymenl Amount is nol enough to cover the Monthly Payment Amount as listed on your momhly billing slalement, you will be responsible for paying any difference. If the scheduled Automatic Payment Amount is gremer Ohon the Monlhly Payment Amount, any excess will be applied in accordance wiih your Loon Agreement. Your Automatic Payment Amount may be less Ihan the Toial Amount Due indicated on your monthly billing statement based on credits or paymems aher the closing date. If your scheduled payment date falls on c weekend or a bonk holiday, your payment wiU be processed the business day ofler the weekend or bonk holiday. Check ono:l_] Monlhly PoymeniAmount or E] Olher Amount: $_ Bank Rowling #t . Bunk Account #: , . Frequency (check one): l‘: Monthly on Payment Due Date or DOn of each month. Date: fl Home Phone Work Phone J Email V...V.___MM._._....__._.-~«-..../ To make changes to your address, email or telephone please visit Discover.com/Personal-Locns .Sl. 13%.. DIsc VER' H: -- Account number: -9041 PERSONAL LOANS Statement Date: August 4, 2020 Page 'l 0f 2 Loon Maturity Date: 08/24/24 New Amount Due: $273.7] Interest Rate: 21 .99% Amount Post Due: $547.42 Standard Monihly Payment Amount: $273.71 Lole Fees Due: $78.00 If New Amount Due and Amount Post Due are received offer the ‘ T°'°I Amm’m Due: 5899-13 Toml Amount Due By date, a $39 Late Fee will be charged, Note: Tad Am°um Due By: 08/24/20 Payment of the Total Amount Due may be required to bring your . . account fully current. Your account is currently past due by the Amount Frmc'pal Balance $9" 32'98 Pas, Due shown as of Statement Date: To receive your payoff amount, please visit the Account Center at ths://www.discover.com/personol~|oans/login-register/ IMPORTANT MESSAGES (Having trouble making your payments? We may have options to lower your payment and make it affordable for you. Payment Assistance Specialisis are available to assist you Monday through Friday, B om to 10 pm ET, Saturday 8 am to 2 pm ET or Sunday 9 am to 3pm ET. Please call If you make a payment in an amount that exceeds the Total Amount Due and you would like to have the amount applied towards your next month's payment, please inform us of Discover.com/Personal-Loans or us at 1-877-256-2660 call us a? 1-877-256-2632. ACCOUNT ACTIVITY TRANSACTION DETAILS for 7/4/20 - 8/4/20 DATE POSTED AMOUNT Lafe Fee Assessed 07/28 $39.00 Total Payment Amounfis Received $0.00 See your iransaction history and interest information in the Account Center at hflps://www.discover.com/personol-loans/login-register/ PAYMENT AMOUNTS Interest Paid: $0.00 Principal Paid: $0.00 Late Fees Paid: $0.00 Please make checks payable to Discover” Personal Loans. Please foid on the perforatioqbefipw, detach and return with your payment Pcymonl Coupon Pay Onlino Q Pay by PhonePlease do no! fold, clip or :bplo. Discover.com/Personql-Loans 1-877-256-2632 II'HIIIIIllll'l'lullllllllllllllIIIII'IIIIIII'I'IIIII'HIIIIIIl Cristofer Ramirez 1804 Pine Hollow Cir .Q San Jose, CA 951 33.1 727 % Phone and online payments inmoled after 5 PM ET will be aedi'ed the followmg day Address, e-mail or telephone (hangud? Note changes on reverse side. See reverse side for important information about your account. Account Number: _-9041 _T__o?a[__Amounl Dvue: W _ _§_§99.13 Total Amount _D_ue By: 08/24/20 II Now Amount Duo and Amount Past Due shown in the Account Summary secfion above are received after IheToOal Amoum Duo By dwe, a $39 Lore Fee wnll be charged. Amount Enclosed: 3 I I Mail to: DISCOVER PERSONAL LOANS PO BOX 6105 CAROL STREAM, IL 60197-6105 I'I'll'h"l"l"ll'"'II"I“'IIIIIH'I"'"|'HIl'II'III'III'II Account Number:-9041Cristofer Ramirez Statement Date: August 4, 2020 Page 2 of 2 CONTACT US I Visi! us online, anytime See all of your transaction history 1 0nd interest accrual informonon In ' the Account Center I hflps://www.discover.com/ I personalJoans/Iogin-regisier/ TDD coll 1-866-7 I 0-3357 8 am-8 pm Eastern time. IMPORTANT INFORMATION: LOAN AGREEMENT: Please refer to the Truth-in-Lending Disclosures and loan Agreement included in your welcome kit for the terms and condilions of your account. CREDIT REPORTING: We moy repod fnformovion about your account to credit bureaus. Late payments, missed payments, or other defouhs on your occounl may be reflected In your credit report. If you believe tho! our report is incorrect or incomplete, please write to us u! the general correspondence address |is9ed above. Please include your name, address, accoun! number and o phone number where you can be reached should we hove questions or need to speak with you. PAYMENTS: Send only your payment and the bottom ponion of this slatement in the envelope provided. PLEASE DO NOT SEND CASH. Sending cosh payments is nor allowed. By sending your check, you authorize us to use infalmofion on your check to make on electronic fund transfer (EFT) from your account at the financial inslitulion indicated on your check, or to process Ihe paymen' as o check Ironsucfion. If the poymenl is processed as an eleclronic fund transfer, the lransfer will be for the amount of Ihe check When we use informovion from your check Io make an electronic fund transfer, funds may be wilhdrown from your accounl os soon as lhe same day we receive your payment, and you will nol receive your check back from your financial institution. The processing of your acceptable form of payment may be delayed if you send cash, correspondence or other iiems with your payment, if you send the payment lo any oIher address, or if you use an envelope other than the one provided. Unless requested otherwise, paymenls received by 5pm Eastern Time of the poymem address on ony day will be credited os of that day Payments received al the payment address after Spm Eastern Time will be credited as of the lhm next day. If you have misplaced your envelope, send your payment lo Discover Personal Loans, PO Box 6105,Caro|Slrearn, IL 60197-6105P1euse allow 7-l0doys {cl delivery. If your payment is returned unpaid, we reserve the righl to resubmit i1 as an electronic debit. For overnight poymenls please send to:Discover Personal Loans, Ann: LockBox Operations/6105,20l2Corporate Lone, Suite 108, Naperville, IL 60563 gHANGE OF ADDRESS I If toned on front, do not use. Please print clearly in blue or black ink in the space provided. Cull 1-877-256-2632, opt. 1 Automated phones ore available 24/7‘ Customer Service Agents ore available lo assisl you Monday through Friday, Slree! Add ress cny Slate, Zip Mail Payments To Discover Personal Loans Write to us 01 Discover® Po Box 30396 20 afgtélos ILs nL k c ,Uramo mo ream,a a e "Y 60197-6105(N09 o payment address) You can also poy your Monlhly Payment Amount, oru greater amount tho! does n01 exceed your Current Payoff Balance, over the telephone, or online ol Discover.com/Personol-Loans. In order to make o payment by 'elephone, you will need your personal icon account information and your bank account information. By pressing 'l to confirm your payment by phone, you wi" be agreeing to the authorization to al'ow us and your bank to deduct each paymenl you authorize, in the amount selected by you, from your bank account. You also auihorize us to initiate debit or credit entries 1o your bank cccounl, as applicable, to correct ony error in the processnng of such payment Payments mode for the same day will be processed immediately and cannol be canceled once submmed. However, you con cancel o payment scheduled for a {ufure date by contacfing us al 1«877~256-2632priorto 5pm Eastern Time on the payment dove. To cancel by mail, send lo: Discover Personal Loans, PO Box 30396,Sol1 Lake City, UT 84l30-0396;however we mus! receive notice ot leasl three (3) business days in advance of 1he scheduled paymem date. AUTOMATIC PAYMENTS SERVICE: You have ihe option oi scheduling a recurring automatic payment for either the Monthly Payment Amount or another amount of your choice. You must ensure that sufficient funds ore available in your bunk account, and all transactions must comply with U.S, law. If your Aufomoh'c Payment Amounl is not enough to cover the Monlhfy Payment Amount os |is1ed on your monthly billing sio1ement, you will be responsible for paying any difference. Ii lhe scheduled Automoiic Payment Amount is greater Qhan the Monlhly Payment Amount, any excess will be applied in accordance with your Loan Agreement. Your Automatic Poymenl Amoun) may be less than the Toto! Amoun' Due indicated on your monthly billing statement based on credhs or payments after the closing daie. If your scheduled payment date falls on a weekend or o bank holiday, your payment will be processed the business day after the weekend or bank holiday. Check onezi: Monthly Payment Amount or E'J Other Amounl: 3* ___ Bunk Routing #z Bunk Account #: ___ __”___-___- Frequency (check one): E] Monthly on Payment Due Date or QOn of each momh. Dale: Home Phone Work Phone Email WW.__.._~___/ To make changes to your address, email or telephone please visit Discover.com/Personal-Locms .Cl. .ri'fié‘i‘E-fi’ifi‘flflfiv’; 5W DISC®VER Account number: -9o41 PERSONAL LOANS Statement Dare: July 4, 2020 Page 1 of 2 Loan Maiurify Date: 08/24/24 New Amount Due: $273.71 Interest Rafe: 0.00% Amount Post Due: $273.71 Standard Monlhly Payment Amount: $273.7] Late Fees Due: $39.00 If New Amount Due and Amount Pas! Due are received after the 7°”! Am°um D“: 5586-42 Total Amount Due By dare, a $39 Late Fee will be charged. Note: Two! Am°um D"° By: 07/24/20 Paymeni of the Total Amount Due may be required to bring your I . ! Pnncnpul Balance $9,132.98account fully current. Your account is currently past due by the Amount ’ as of Siatemen? Date:Pas! Due shown. To receive your payoff amount, please visif the Account Center oi thsz/lwww.discover.com/personaI-Ioans/login-register/ IMPORTANT MESSAGES Having frouble making your payments? We may have options to lower If you make o payment in an amount {hat exceeds the your payment and make it affordable for you. Payment Assistance Total Amount Due and you would like to have 1he Specialists ore available to assist you Monday through Friday, 8 am 'o 10 amount applied towards your next month's payment, pm ET, Saturday 8 am to 2 pm ET or Sunday 9 am to 3pm ET. Please call please inform us o, Discover.com/Personal-Loans or us at 1 -877-256-2660 call us of 1-877-256-2632. PAYMENT AMOUNTS Interest Paid: $0.00 Principal Paid: $0.00 Late Fees Paid: $0.00 J Please make checks payable to Discover” Personal Loans. Pleqse fold on ihgperforation below, detach and return with your payment [ Payment Coupon 9 Pay Onlino a Pay by Phone ] Accoum Number: -90_“Please do no! 50H, clip or Maple. Discovomom/Peraonal-Louns 1-877-256-2632 Total Amount Due; See reverse side for impoflanf information about your account. ...... ._ "07/34/21 lll"lull"”"Il'lI“'I'I'I'IIM“l"II'"”IIHH'H'III'JH' llNow Amount Duo andAmount Pas! Duo shown in ihe Account Summary seclion above am received char lheTofal Amoum Duo By dare, a $39 Lore Fee will be charged Amoun' Enclosed: S l I Total Amount Due By: Cristofer Ramirez 1804 Pine Hollow Cir .8 San Jose,CA 95133-1727 fi Mail f0: DISCOVER PERSONAL LOANS PO BOX 6105 CAROL STREAM, IL 60197-61 05 Phone and online payments maimed char 5 PM ET will be credited Ohe followmg day h“ll””l'hlh[IH,Illnll.”Ill""‘hnlulllllul'uhlllllhAddress, o-mail or Iolophono changed? Note changes on reverse side. Cristofer Ramirez Accoun? Number:-9041 Statement Date: July 4, 2020 Page 2 of 2 CONTACT US r _ I Visii us onlina, anytime n c ' h-See o o your 'ransochon [story ‘ and interest accrual information in I lhe Accounl Center . hflps://www.dis¢over.com/ I personul-locns/login-regis'er/ l 8 om-8 pm Eosletn time. IMPORTANT INFORMATION: LOAN AGREEMENT: Please refer Io Ihe TruDh-in-Lending Disclosures 0nd Loon Agreement incfuded in your welcome kit for lhe terms and conditions of your account. CREDIT REPORTING: We moy report informatlon about your account to credit bureaus. Late payments, missed paymenrs, 0! olher defaults on your account may be reflected in your credit report. If you believe that our repor? is incorreci or incomplete, please wnte to us of the general correspondence address listed above. Please indude your name, address, account number and o phone number where you con be reached should we have questions or need to speck wilh you. PAYMENTS: Send only your payment and the boflom ponion of this statement in Ihe envelope provided. PLEASE DO NOT SEND CASH. Sending cash payments is not allowed. 8y sending your check, you authorize us lo use information on your check to make an electronic fund transfer (EFT) from your account or lhe Iinancuol institution Indicaied on your check. or to process Ihe payment os o check transaction. If the payment is processed as on electronic fund transfer, the transfer will be for the amount of lhe check. When we use iniormah’on from your check lo make an eledronic fund transfer, funds moy be wiIhdrown from your account as soon as lhe some day we receive your payment, and you will no! receive your check back from your financial institution. The processing of you! acceptable form of payment moy be delayed if you send cosh, correspondence or other items with your payment, if you send the payment 90 any other address, or if you use an envelope other Dhon Ihe one provided. Unless requested otherwise, payments received by 5pm Eastern Time at Ihe payment address on any day will be credited cs of tho! day. Poyrnenls received cl lhe payment address after 5pm Eoslern Time will be credited as of the that nex1 day_ H you hove misplaced your envelope, send your payment to Discover Personal Loans, PO Box 6|OS,CorolStream, IL 60197-6105.Please o||ow 7-]0‘days [9r delivery. If your payment is returned unpaid, we reserve Ihe right Io resubmit it as an electronic debit. For overnight payments please send to: Discover Personal Loans, Ann: LockBox Operalions/6105,20l2Corporofe Lane, Suite 108, Naperville, IL 60563 Call 1-877-256-2632, opt. ‘l TDD call 1-866-710-3357 Automated phones are available 24/7. Customer Service Agents are available to assis! you Monday through Friday, Mail Payments To Discover Personal Loans Write fo us at Discover® Po Box 30396 20 Blog'élos [LS Ml k C' ,UT 84130 arc ream,o a e "Y 60197.6105(Nor a paymen.‘ address) You can also pay your Monihly Payment Amount! or a greater amount tho! does not exceed your Currenl Payoff Balance, ovel the telephone, or online al Discover.com/Personal-Loans. In order lo make a poymenl by Ielephone, you will need your personal loan account information and your bunk account informafion. By pressing l' to confirm your payment by phone, you will be agreeing Io the authorization to allow us and your bank Io deduct each payment you authorize, in the amounf selected by you, from your bank account. You also oufhorize us to initiate debit or c'edi! entries to your bank account, cs applicable, to corred ony error in the processing of such payment Payments mode for the same day will be processed Immediately and cannot be canceled once submitted. However, you con cancel a payment scheduled for u fuiure doie by conlacfing us o! 1‘877-256-2632pnor to 5pm Eastern Time on the payment dare. To cancel by moil, send Io: Discover Personal Loans, PO Box 3039650" lake City, UT 84l30-0396;however we mus! receive notice u! lees! three (3) business days in advance of the scheduled payment date. AUTOMATIC PAYMENTS SERVICE: You have the opvion of scheduling o recurring auromofic payment for either the Monthly Payment Amount 0r ano1her amount of your choice. You must ensure that suHicienl funds ore available in your bunk occ0unl, and all Ironsacflons mus! comply with U.S. law. If your Aulomolic Payment Amount is not enough to cover me Monthly Payment Amount as lasted on your monlhly billing slolement, you will be responsibie for paying any difference. H the scheduled Automatic Poymeni Amount is greater than the Monthly Poymenl Amount, any excess will be applied in accordance with your Loan Agreement. Your Automatic Payment Amount may be less than the Total Amount Due indicated on your mon'hly billing statement based on credin or payments after the closing dale. If your scheduled payment date falls on o weekend or o bank holiday, your payment will be processed the business day oher the weekend or bunk holiday. Check one: :T‘E Monthly Payment Amount or a Other Amounf~ 3 Bank Routing #: .__ Bunk Accouni #: Frequency (cha‘ck one): El Monthly on Payment Due Doie or flOn of each monih. Date: _q SHANGE OF ADDRESS If corred on front, do not use. Please print clearly in blue or block ink in lhe space provided. I Slreel Address i Ci’Y Slu'e, Zip Home Phone Work Phone J Email i To make changes to your address, email or telephone please visit Discover com/Personol-Locns a ' ccoun number: 90 I PERSONAL LOANSDISC VER A ' - 4 Pug“ 0,2Statement Date: June 4, 2020 ACCOUNT SUMMARY Loan Mafurify Date: 08/24/24 I New Amount Due: $273.7] Interest Rate: 21 99% Amoun? Post Due: $273.71 _: Standard Monthly Payment Amount $273.71 Late Fees Due: $39.00 “3 If New Amount Duo and Amount Past Due ore received after the T°'°' Amm‘m D“: 5536-42 Total Amount Due By: 06/24/20Total Amount Due By date, a $39 Lave Fee will be charged. Note: Payment of the Total Amoun’ Due may be required Io bring your . _ PrInCIpol Balance $9,132.98account fully current. Your account is currenfly past due by the Amount Past Due shown. as of Statement Date: To receive your payoff amount, please visit the Account Center o1 hflpszl/www.discover.com/personal-loons/login-register/ IMPORTANT MESSAGES ‘ r Having trouble making your payments? We may have options to lower If you make a payment in an amount tho? exceeds the your payment and make if affordable for you. Payment Assistance Total Amount Due and you would like to have the Specialists ore available to assist you Monday through Friday, 8 cm to 10 amoun? applied towards your next month's payment, pm ET, Saturday 8 am to 2 pm ET or Sunday 9 am to 3pm ET. Please call please inform us o? Discover.com/Personal-Loans or us at 1-877-256-2660 coll us at 1-877-256-2632. TRANSACTION DETAILS for 5/4/20 - 6/4/20 DATE POSTED AMOUNT Late Fee Assessed 05/28 $39.00 ToIal Payment Amoums Received $0.00 See your transadion history and interest information in the Account Center at hfipszl/www.discover.com/persono|-loons/login-regisier/ PAYMENT AMOUNTS Interest Paid: $0.00 Principal Paid: $0.00 Late Fees Paid: $0.00 J Please make checks payable Qo Discover” Personal Loans. ‘ _ . _See reverse side for Imponani Information about your account. [ Paymem Coupon Pay Onlina G Pay by Phone J Accoun' Number: m]Homo do no! fold. clip or staple. Discovor.oom/Pemnal-laans 1.977.256.2632 Total Amount Due: 5586,42 .................. 06/24/22 I'Il""'|ll'I"'l'lllulllull'l'l'hulfl‘ljlufln'l[.IIIIIIII II New Amount Duo and Amount Pas! Due shown in ihe Accoun! Summary secfion above are received char IheTotal Amount Due By dale. a $39 Late Fee de be charged Crustofer Ramirez Amoum Enc'osed: s r _--l 1804 Pine Hollow Cir w: sen Jose, CA 95133-1 727 #46 Total Amount Due 8y: Mail to: DISCOVER PERSONAL LOANS PO BOX 6105 CAROL STREAM, IL 60197-6105 Phone and online payments initialed offer 5 PM ET will be credned lhe followmg day Address, e-muil or lolephona changed? Nole changes on reverse sade. I'IHI'II'I'HIl'l'l'”'"l'l'Ilhl"".""“"l'""I'h'hlnl Crisfofer Ramirez CONTACT US I Visil us online, anyfimo j See oll of your lronsochon history and Interest accrual information m I {he Account Center hflps://www.discover.com/ ‘ personal-louns/login-register/ 8 om-B pm Eastern time. IMPORTANT INFORMATION: lOAN AGREEMENT: Please refer to the Trth-in-Lending Disclosures and Loon Agreement included in your welcome kit for the terms and conditions of yow account. CREDIT REPORTING: We may report information about your account to cred-I bureaus late payments, missed paymenls, or other defaults on your account may be reflecied I'n your credit report. II you believe tho! our repon is incorrect or incomplete, please write Io us o9 the general correspondence address listed above. Please include your nome, address, accoum number and o phone number where you con be reached should we have questions or need to speak with you. PAYMENTS: Send only your payment and the bottom portion of this statement in Ihe envelope provided. PLEASE DO NOT SEND CASH. Sending cosh payments is no! allowed. By sending your check, you authorize us to use iniorrnolion on your check Io make on electronic fund transfer (EFT) from your accoum at the financial institution indicated on your check, or to process Ihe poymenl cs a check transaction. If the payment is processed as on electronic fund transfer, the transfer will be for the umounl of the check. When we use information from your check lo make an electronic fund transfer, funds may be withdrawn from your account as soon as lhe same day wé receive your payment, and you will not receive your check back from your financial institution. The processing of your acceptable form of payment may be delayed if you send cash, correspondence or other items with your payment, if you send the paymem to any other address, or if you use an envelope other than Ihe one provided. Unless requested otherwise, payments received by 5pm Eastern Time aI Ihe payment address on ony day will be crediled as of lhol day. Payments received a! the poymen’ oddless uHer 5pm Eoslern Time will be credited as of the lhot next day If you have misplaced your envelope, send your payment Io Discover Personal Loans, PO Box 6|O5,CorolStream, IL 60197-6105.Please allow 7-]0doys for delivery. If your payment is reiurned unpaid, we reserve )‘ne right to resubmit it as on eleclronic deb”. For overnight payments please send fozDiscover Personal Loans, Attn: LockBox Operations/6105,20]2Corporate Lone, Suite 108, Naperville, IL 60563 gHANQE_QF_ADDRESS i ll corred on from, do not use. Please print clearly in blue or block ink in the space previded. Account Number:-9041 Call 1-877-256-2632, opt. I TDD call 1-866-710-3357 Automafed phones are available 24/7. Customer Service Agenls ore available lo assist you Monday through Friday, Sneel Address City Stave, Zip Statement Date: June 4, 2020 Page 2 of 2 Mail Payments To Discover Pevsonal Loans Write to us at Discover® PO Box 30396 20 Blogfélos ILS IvL k C' ,UT 34|30 aro ream,a a e "y 60197-6105(No: a payment address) You can also poy your Monlhly Payment Amount, or a greater amount IhoI does nor exceed your Currenl Payoff Balance, over the telephone, or online 0| Discover.com/Personol-Loons. In order lo make o payment by telephone, you will need your personal loan account information and your bank account information. By pressing 'l' Io confirm you: payment by phone, you will be agreeing to the authorxzolion to allow us and your bank lo deduct each payment you authorize, in lhe amount selected by you, from your bank account. You also authorize us lo initiate debil or credit entries to your bank account, as applicable, to correct any error in the processing of such payment. Payments made for the some day will be processed immedialeiy and cannot be canceled once submifled. However, you can cancel a payment scheduled for o future date by contacting us ct 1-877-256-2632prior to 5pm Eastern Time on the payment date. To cancel by mail,send to: Discover Personal Loans, PO Box 30396,Sclt Lake City, UT 84l30-0396;however we mus! receive noh'ce at least three (3) business days in advance 0‘ the scheduled payment dale. AUTOMATIC PAYMENTS SERVICE: YOU have lhe option of scheduling o recurring au’omoiic payment for either the Monthly Payment Amount or another amount of your choice. You must ensure tho! sufficienl funds ore available in your bank account, and all transactions mus! comply with U.S‘ low. If your Automatic Puymeni AmounI is no! enough Io cover the Monthly Payment Amount as listed on your monthly billing statement, you will be responsible for paying any difference. I! the scheduled Amomoric Payment Amount is greater than lhe Monthly Payment Amount, ony excess will be applied in accordance wilh your Loan Agreement. Your Aulomolic Payment Amount may be less than the Total Amount Due indicated on your monthly billing slatemem based on crediis or paymenis alter the closing dale. If your scheduled poymeni date falls on a weekend or o bank holiday, your payment will be processed the business day aher the weekend or bank holiday. Check one: .Hi Monthly Payment Amount or 1T. Other Amount: S_ Bank Routing #: . _ Bunk Account #z Frequency (check one): L") Monthly on Payment Due Date or C'On of each month. Dale: Home Phone Work Phone Email To make changes to your address, email or telephone please visit DiscoverLom/Persond-Loons .9l- Dlsc®VER. Account number: -9041 PERSONAL LOANS Statement Date: May 4, 2020 Page 1 0f 2 ACCOUNT SUMMARY Loan Maturity Date: 08/24/24 New Amount Due: $273.71 Interest Rate: 0.00% Amount Pas? Due: $0.00 Standard Monihly Payment Amount: $273.71 Lute Fees Due: $0.00 L Total Amount Due: $273.71 1 Total Amoun’ Due By: 05/24/20If New Amounf Due is received offer the Total Amount Due By dafe, a $39 Lore Fee will be charged. j Principal Balance $9,132.98 as of Statemeni Date: To receive your payoff amouni, please visit the Account Center at hflps://www.discover.com/personol-loans/login-register/ IMPORTANT MESSAGES Get fast, 24/7 online access to your loan details. Login or register for ihe online Account Center today to see your statements, make or schedule payments, see your payment breakdown, and more. There's no cost, and your information is kept secure and completely confidential. To login or register, visit hflps://www.discover.com/persona|-louns/login-regisler/ or register over the phone by calling 1-877-256-2632 ACCOUNT ACTIVITY If you make a payment in an amount that exceeds the Total Amount Due and you would like to have the amoun? applied towards your next month's payment, please inform us at Discover.com/PersonoLLoons or coll us ct 1-877-256-2632. PAYMENT AMOUNTS Interest Paid: $0.00 Principal Paid: $0.00 Late Fees Paid: $0.00 J Please make checks payable Oo Discover‘ Personal Loans. Please fgld on the pgrforafign beiow, detach and_ reiurn _wi_1_h your payment. Plea” do no! fold, cllp or staple. Diacovomom/Pononal-Loan: LPayment Coupon Pay Onlinc G Pay by Phone lhllullIIl'llll"'m'l|"|'l'""'Il'l'u'"l|"""llll'll'u Cristofer Ramirez 1804 Pine Hollow Cir .Q San Jose, CA 95133-1 727 fig Phone and cnline payments Initiated offer 5 PM ET wi" be credned Ihe followmg day Address, sane“ or 'clophona changed? Note changes on reverse sude. 1377-2564632 See reverse side for important information about your account. l Account Number: 9041 Totqlfimoun' ?He: __ __ _ $2371 0&24/20 II New Amour" Due shown in the Accounf Summary secnon above is received after Ihe Tohl Amoum Duo By daie. a $39 Lcie Fee will be charged Amount Enclosed: S I l Mail Yo: DISCOVER PERSONAL LOANS PO BOX 6105 CAROL STREAM, IL 601 97-61 05 vn-“I'll:'I'IIII'II'l""'ul"l'l'l"|"Hu'l""l'llI'M' Total Amount Due By: Account Number:-9041Cristofer Ramirez CONTACT US [ . l Visit us online, anytime See all of your Ironsociion history J and Interest accrual informo’ion in ' the Account Center I hflps://www.discover.com/ [' personal-loans/login-register/ TDD call 1-866-7] 0‘3357 8 om-8 pm Easlem Mme. IMPORTANT INFORMATION: lOAN AGREEMENT: Please refer to the Truth-in-Lending Disclosures and Loan Agreement included in your welcome kit for the terms ond conditions of your account. CREDIT REPORTING: We may repon informafion about your account to credit bureaus. Late payments, missed paymenls, or olher defaults on your account may be Ieflected In your credit repod. If you believe tho? our repon is incorrect or incomplete, please write to us of the general correspondence address listed above. Please include your name, address, account number and a phone number where you can be reached should we hove questions or need to speak wilh you. PAYMENTS: Seed only your payment and the bottom pomon of this statement in the envelope provided. PLEASE DO NOT SEND CASH. Sending cosh payments is nol allowed. By sending your check, you oulhorize us to use inlormofiion on your check to make on electronic fund transfer (EFT) from your account ol Ihe financial institution indicated on your check, or '0 process the payment as o check ironsaclion. l! lhe payment is processed as an electronic fund transfer, 1he transfer will be for the amount of the check When we use information from your check 90 make on electronic fund iransler, funds may be wilhdrown from your account as soon as the some day we receive your payment and you will not receive your check back from your financial institution. The processing of your acceptable form of payment moy be delayed if you send cash, correspondence or other "ems with your payment, If you send the payment to any other address, or il you use an envelope other lhan the one provided. Unless requested otherwise, paymems received by 5pm Eastern Time at the paymenf address on any day will be credited us of tho! day. Payments received ul Ihe payment address afier 5pm Eastern Time will be credited as of the tho! next day. If you hove misplaced your envelope, send your payment to Discover Personal Loans, PO Box 6105,CorolStreom, IL 60197-6105Please allow 7-]0days for delivery. If your payment is returned unpaid, we reserve the right 'o resubmit i! as an electronic debit. For overnight payments please send lo:Discover Personal Loans, Afin: LockBox Operations/6105,20]2Corporate Lone, Suite 108, Naperville, IL 60563 pHANGE OF ADDRESS . If corred on front, do not use. Please print dearly in blue or black ink in the space provided. Cull 1-877-256-2632, opt. 1 Automated phones are available 24/7. Customer Service Agenvs are available fo assist you Monday 1hrough Fn‘doy, Street Address . cw SIote, Zip Statement Date: May 4, 2020 Page 2 of 2 Mail Paymems To Discover Personal Loans Write to us at Discover® PO Box 30396 20 Blogtélos ILS IIL k C' , UT 84130 oro ream,a a e "y 60I97-6105(Not a payment address) You con also pay your Monthly Payment Amount, or o greater amount tho! does no! exceed your Current Payoff Balance, over the telephone, or online of Discover.com/Persono|-Loans. In order lo make a payment by telephone, you will need your personal loan account information and your bank account iniormolion. By pressing I to confirm your payment by phone, you will be agreeing Io the authorization Io allow us and your bank Io deduct each payment you authorize, in Ihe amount selected by you, from your bank account. You also authorize us to initiate debil or credil entries to your bank account os applicable, to correct any error in the processing of such payment Poymenis mode for the same day will be processed immediately and cannot be canceled once submihed. However, you con cancel o payment scheduled for o future dole by contacting us o! 1-877-256-2632pn‘or lo 5pm Eastern Time on 9he payment dale. To cancel by mail, send to: Discover Personal Loans, PO Box 3039650“ Lake City, UT 84130-0396;however we musk receive nofice cl leosl three (3) business days in advance of the scheduled payment date. AUTOMATIC PAYMENTS SERVICE: You hove Ihe option of scheduling o recurring automatic payment for either the Monthly Poymen! Amount or another amoun! of your choice. You must ensure Ihoi sufficient funds are available in your bank account, 0nd a“ transactions mus! comply wilh U.S. low. If your Automatic Poymenl Amounl is nol enough io cover the Monthly Payment Amount as listed on your monthly billing statement, you will be responsible for paying any difference. If Ihe scheduled Automatic Payment Amount is greater than Ihe Monvhly Payment Amount, any excess will be applied in accordance wilh your Loan Agreement. Your Automatic Payment Amount may be less than the Total Amount Due indicated on your monthly billing slotemen’ based on credits or payments after lhe closing date. If your scheduled payment date falls on a weekend or a bank holiday, your payment will be processed Ihe business day offer the weekend or bank holiday. Check one: ?_J Monthly Payment Amoun! or D Other Amount: S Bank Routing #:_ _______,,_,,_ Bank Account #: ...... Frequency (check one): C Monthly on Poymenl Due Doie or DOn“_____ of each month. Date: Home Phone _ _ . Work Phone f Email ‘ To make changes to your address, email or telephone please visit Discover.com/Personol-Loons o DISC®VER' Accountnumber: -9041 PERSONAL LOANS Statement Date: April 4, 2020 P099 1 0f 2 ACCOUNT SUMMARY Loan Maturity Date: 08/24/24 I New Amount Due: $0.00 Interest Rate: 0.00% i Amount Past Due: $0.00 Standard Monthly Payment Amount: $0.00 Late Fees Due: $0.00 Total Amount Due: $0.00 Total Amount Due By: 04/24/20If New Amount Due is received offer the Total Amount Due By dafe, a $39 Late Fee will be charged. Principal Balance $9,132.98 as of Statement Date: To receive your payoff amount, please visit the Account Center o! hflpsz/lwwwdiscover.com/personul-Ioans/login-regisfer/ IMPORTANT MESSAGES Thank You for being a valued Discover Personal Loans customer. We're honored 10 be rated an average of 4.9 out of 5 stars', and we appreciate being included in your plans for a bright financial future. ‘Discover Personal Loans average "Overoil Rating" based on reviews by customers os seen on www.discover.com/personc|Joans ACCOUNT ACTIVITY If you make a paymenl in on amouni that exceeds the Toio! Amount Due and you would like to have fhe amount applied towards your nex? month's payment, please inform us at Discover.com/Personol-Loons or call us of 1-877-256-2632. PAYMENT AMOUNTS Interest Paid: Principal Paid: 1.019 Fees Paid: Please make checks payable to Discover” Personal Loans. I Please fold on the perforation below, dgfgch and refurr) wiih your payment. $0.00 $0.00 $0.00 See reverse side for important information about your account. J Account Number: 904] $020... Payment Coupon Pay Onlino Pay by Phone Please do n09 fold. clip or uaplo. Discwucom/Pcrtonal-Loans 1.877.256.2632 HI'IIIIIIIIIHIHIIIII'llll.It'lllluIlluuudul'lIlllllll"! Cristofer Ramirez 1804 Pine Hollow Cir . Q San Jose, CA 95133-1 727 % Phone ond online payments Inlfiored aher 5 PM ET will be credfited Ohe following day Addross, o-mail or telephone changed? Note changes on reverse side. Total Amount Due-Ey: 04/24/20 II Now Amount Duo shown in ihe Accoun' Summary sechon above is recewed aher the Total Amount Due By dole, a $39 Late Fee w:II be charged Amount Enclosed: S I l Mail to: DISCOVER PERSONAL LOANS PO BOX 6 1 05 CAROL STREAM, IL 60197-61 05 .pppnqaqluI.”MI.Ih,I"1w,I....,mu.,;..u.1lln. Cristofer Ramirez CONTACT us Account Number:_904l Statement Date: April 4, 2020 Page 2 of 2 and interest accwal information in the Account Center ; hflps://www.discover.com/ g personal-loans/Iogin-register/ r E Visit us online, anytime 1 See 0H of your transaction history 8 orn-8 pm Eastern lime‘ IMPORTANT INFORMATION: LOAN AGREEMENT: Please refer to the Trulh-in-Lending Disclosures ond Loon Agreement included in your welcome kit for the terms 0nd conditions of your account. CREDIT REPORTING: We may (epon information oboul your account to credit bureaus. late payments, missed poymenIs, or oiher defaults on your account moy be reflected In your cred" report. If you believe tho! our report is incorrecl or incomplete, please write io us at the general correspondence address Iisied above. Please include your name, address, account number and a phone number where you con be reached should we hove questions or need to speak wish you. PAYMENTS: Send only your payment 0nd the bottom portion of this statement in the envelope provided. PLEASE DO NOT SEND CASH. Sending cosh payments is nol allowed. By sending your check, you authorize us Io use information on your check to make an electronic fund transfer (EFT) from your account 0| the financial insmulion indicated on your check, or 90 process the payment as c check transaction. If the payment is processed os on electronic fund Ironsfer, the transfer will be for the omounl of lhe check When we use information lrom your check to make on electronic fund transfer, funds may be withdrawn from your account as soon as the same day we veceive your payment, and you will not receive your check back hom your financial instifufion. The processing of your acceptable form of payment moy be delayed if you send cash, correspondence ot olher items with your payment, if you send the payment to ony other address, or if you use an envelope ofher than the one provided. Unless requested otherwise, payments received by 5pm Eastern Time al the payment address on any day will be credited as of Mot day. Poymenls received at the payment address afier 5pm Eastern Time will be credited cs of the that next day. If you have misplaced your envelope, send your payment to Discover Personal Loans, PO Box 6?05,Corol Stream, ll. 60197-6105Heose allow 7-lOdays for delivery. H your payment is relumed unpaid, we reserve ihe right io resubmit it os on electronic debit. For overnight payments please send to: Discover Personal Loans, Ann: LockBox Operations/6105,2012 Corporate Lane, Suite 108, Naperville, IL 60563 Ca" 1-877-256-2632, opt. 1 TDD call l-866-7l0-3357 Aulomoled phones are available 24/7. Customer Service Agents are available lo ossis' you Monday through Friday, CflANQE OF ADDRESS _ If correct on from, do not use. Please print clearly in blue or biock ink in the space provided. . J i Street Address i 1 l City i Staie, Zip Mail Paymen's To Discover Personal Loans Write to us at Discover® Po Box 30396 PO Box 6I05 son Lake cny, UT 84130 Carol Stream, IL 601 97.61 05(No! a payment address) You can also pay your Monthly Paymeni Amount, ora greater amount thol does not exceed your Current Payoff Balance, over the lelephone, or onfine ul Discover.com/PersonoI-Loons. In order to make o paymen? by telephone, you will need your personal loan account information ond your bank account informalion. By pressing l’ Io confirm your payment by phone, you will be agreeing to the culhorizalion to allow us and your bank lo deduct each payment you authorile, in the omoun! seiected by you, from your bank account. You also authorize us Io initiate debit or credit enlries io your bank account, os applicable, to correct any error in the processing of such payment Poymenls mode for ’he some day will be processed immediaiely and cannot be canceled once submified. However, you can cancel a payment scheduled for o future date by contacting us al 1-877-256-2632priorto 5pm Eastern Time on the payment date. To cancel by mail, send to: Discover Personal Loans, PO Box 30396,Sa|l Luke City, UT 84l30-0396;however we mus! receive notice oi least three (3) business days in advance o! the scheduled payment date. AUTOMATIC PAYMENTS SERVICE: You have the oplion of scheduling a recurring automatic payment for either the Monthly Payment Amount or another amount of your choice. You mus! ensure that sufficient funds are available in your bank account, and all transactions mus! comply with U.5. low. If your Automalic Payment Amount is not enough to cover the Monthly Payment Amount as listed on your monthly billing statement, you will be responsible for paying any difference. H the scheduled Automatic Payment Amount is greater than the Monthly Payment Amount, any excess will be applied in accordance with your Loan Agreement. Your Aulomoiic Payment Amount may be less than the Total Amoun' Due indicated on your monlhly billing statement based on credits or payments aher the closing dale. If you! scheduled paymenl date falls on a weekend or c bank holiday, your payment will be processed the business day ofier Ihe weekend or bonk holiday. Check one: :J Monthly Poymenl Amounl or D Other Amount: $__. _.__ Bunk Routing #: ......._ _ Bunk Account #: Frequency (check one): :3 Monthly on Payment Due Dore or LJOn. of each month. Date: ____ Home Phone Work Phone i Email To make changes to your address, email or telephone please visif Discovercom/Persono!-Loons .Z. y: '= PERSONAL LOANS Statement Date: March 4, 2020 Page 1 0f 3 ACCOUNT SUMMARY Loan Maturity Date: 06/24/24 r New Amount Due: $273.7] Interest Rafe: 21 .99% Amount Pas? Due: $0.00 Standard Monthly Payment Amount: $273.71 Late Fees Due: $0.00 Automatic Payment Amount: $273.71 ‘ Tocal Amount Due: $273.71 Automatic Payment Date: 03/24/20 Total Amount Due By: 03/24/20 You are enrolled in Automatic Payments. On the Automatic Payment z Date noted above, the noted Automatic Payment Amount will be withdrawn from the account you aurhorized. If New Amount Due is received after the Total Amount Due By date, a $39 Late Fee will be charged. Principal Balance as of Statement Date: $9,] 32.98 To receive your payoff amount, please visit the Account Center ct hfips://www.discover.com/personol-loans/login-regisfer/ V IMPORTANT MESSAGES Enroll in convenient and confidential paperless statements. Ge? easy access for up to seven years of statements, get your statement delivered up to five days sooner than by mail, and reduce paper waste. To get sinned, visit discover.com/personal-Iocns or call 1-877-256-2632. If you make o payment in an amount ihat exceeds the Tofu! Amount Due and you would like to have the omouni applied towards your nex? month's payment, please inform us at Discover.com/Personal-Loans or co" us at 1-877-256-2632. ACCOUNT ACTIVITY (TRANSACTION DETAILS for 2/4/20 - 3/4/20 DATE POSTED AMOUNT Payment by CCR-PHONE AGENT 02/24 $273.7] Total Payment Amounts Received -$273.71 Additional Transactions (see nexi page) Please make checks payable to Discover' Personal Loans. Please fgld on the perforation below, d_gchh and return with your poymenj. [ Payment Coupon Pay Online Pay by Phone Plea» do no! fold, clip or staple. Discovemom/Pcnonal-Louns |.a77.256.2¢32 Cristofer Ramirez 1804 Pine Hollow Cir San Jose, CA 95333-1 727 Phone and online payments xnlliaied afler 5 PM ET will be crednled the lol’owung day Address, o-mail or telephone changed? Note changes on reverse sude. See reverse side for imponani information about your account. ] Account Number: m Total Amunt Due: __I ________ _$273.7‘| Total Amoun? Due By: ll Now Amount Due shown m the Account Summary sedion above is received aha! Ihe To'al Amount Duo By dole, a $39 Late Fee will be charged Amount Enclosed: S l l Mail to: DISCOVER PERSONAL LOANS PO BOX 6105 CAROL STREAM, IL 60197-6105 Il'l"'lllll'l'l'"”nl'll'h'u'l'lll-I'"lh'll"|'l“lu|"" Cristofer Ramirez l, I Visit us online, anytime l See 0U of your transaction history the Account Center hflpszl/www.dis¢over.¢om/ 0nd inferest accrual information in Account Number:-9041 Statement Date: March 4, 2020 Wrim to us cf Discover® Call 1-877-256-2632, opt. ‘I TDD call 1-866-7IO~3357 Automated phones are available 24/7. Page 2 of 3 Mail Payments To Discover Personal Loans Po Box 30396 20 Blog'élos ILs M k C ,uT 84130 oro ream,a a e W 60197.6105Cusiomer Service Agents are available N ' f to assist you Monday through Friday, ( o o paymen address) I personal-Ioans/login-regisler/ I 8 om-8 pm Eastern time. IMPORTANT INFORMATION: LOAN AGREEMENT: Please refer to Ihe Truth-in-Lending Disclosures and Loan Agreement included in your welcome kit {or Ihe ierms 0nd conditions of yow account. CREDIT REPORTING: We may report informalion about your occounl to credit bureaus. Late payments, missed payments, or olher defauhs on your account may be reflected In your credit report If you believe tho! our repon is incorrect or incomplele, please write to us or the general correspondence address Iisled above. Please include your name, address, occoun! number and o phone number where you con be reached should we hove questions or need to speck with you. PAYMENTS: Send only your payment and the boflom portion of this statemenl in the envelope provided, PLEASE DO NOT SEND CASH. Sending cosh payments is not allowed. By sending your check, you authorize us Io use information on your check 9o make on electronic fund transfer (EFT) from your account at the financial insmulion indicaied on your check, or Io process the payment as o check transaction. If the payment is processed as on electronic fund transfer, the Dronsfer wiH be {or the amount ol the check. When we use information from your check to make an electronic fund transfer, funds moy be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check buck from your financial institution. The processing of your acceptable form of payment may be delayed if you send cash, correspondence or other items wnh your poymenl, if you send the poymeni 10 ony other address, or if you use on envelope other Ihan the one provided Unless requested otherwise, payments received by 5pm Eastern Time at the payment address on any day will be credited os of that day. Payments received a! the payment address ofler 5pm Eastern Time will be credited us ol the that next doy_ If you hove misplaced your envelope, send your poymen! 'o Discover Personal Loans, PO Box 6|05.Caro|$!ream, |L 60197-6105.Please allow 7-]0days [or delivery. If your payment is returned unpaid, we reserve the right Io resubmit I'l as an electronic debit. For overnight payments please send You con also pay yeur Monthly Payment Amount, oro greater omounl tho! does no! exceed your Currenl Payoff Balance, over the ielephone, or online at Discover.com/Personal-Loans. In order to make o poymenl by telephone, you will need your personal loan account information and your bank account informohon. By pressing l' to confirm your payment by phone, you will be agreemg Io the authorization to allow us and your bank Io dedud each payment you authorize, in the amount seleded by you, from your bank account. You also auihorize us 10 initiate debit or cred" enines Io your bank account, as applicable, to correct ony error in the processmg of such payment Payments mode for the some day will be processed immedxoiely and cannot be canceled once submifled. However, you con cancel o payment scheduled for o future da'e by conlocling us 01 l-877-256-2632priorto 5pm Easiern Time on lhe payment dale. To cancel by mo”, send to: Discover Personal Loans, PO Box 30396,Soh Lake City, UT 84l30-0396;however we must receive notéce or least three (3) business days in advance of 1he scheduled payment dare. AUTOMATIC PAYMENTS SERVICE: You have {he option of scheduhng a recurring automatic payment for either the Monthly Payment Amount or another amount of your choice. You must ensure tho! sufficient funds ore available in your bank account, and all lronsuclions musl comply with U.S. low. If your Automatic Payment Amounl is no? enough to cover the Mon'Hy Payment Amount as lis’ed on your monthly billing statement, you will be responsible {or paying any diHerence. If ihe scheduled Automatic Payment Amount is greoier than the Monthly Payment Amount, any excess will be applied in accordance with your Loan Agreement. Your Automatic Payment Amount may be less than the Total Amount Due indicated on your monthly billing statement based on Credits or payments after the closing date. If your scheduled payment dole falls on o weekend or a bank holiday, your poymen' wil! be processed Ihe business day offer the weekend or bank holiday. Check one: j Monthly Paymenf Amount or E3 Other Amount: 3 __ Bank Routing #2 Bonk Account #z __ Frequency (check one): l;=. Monthly on Payment Due Doie or to: Discover Personal Loans, Afin: LockBox Operations/6105,20l 2 Corporate GO" °f “Ch "mm," Lone, Suite 108, Naperville, IL 60563 Dace: ._ H corred on front, do no? use. Please print clearly in blue or black ink in the space provided. I Street Address Home Phone g j Work Phone i City Email i Staie, Zip | To make changes to your address, email or telephone please visit Discover‘com/Personal-Loans .-n-" J DISC VER‘ Account Number:_9041 Statement Date: March 4, 2020 Page 3 of 3Cristofer Ramirez Continued from Page] TRANSACTION DETAILS for 2/4/20 - 3/4/20 DATE POSTED AMOUNT See your transaction history and interest information in the Account Center of hflps://www.discover.com/personal-loons/login-regisfer/ PAYMENT AMOUNTS Interest Paid: -$] 72.00 Principal Paid: -$l 01 .7] Late Fees Paid: $0.00 'zl' "fin" z" .,'-"'_.:-1 31;: ' 111E. . - " " ’E’Efi’ . . .. DISC®VE I Account number: -9041 PERSONAL LOANS Statement Date: February 4, 2020 Page 1 0f 3 ACCOUNT SUMMARY Loan Maturity Date: 06/24/24 I New Amount Due: $273.71 Interest Rate: 21 39% I Amount Past Due: $0.00 Standard Monthly Payment Amount: $273.71 Lute Fees Due: $0.00 Automatic Payment Amount: $273.71 Total Amount Due: $273.71 Automatic Payment Date: 02/24/20 Total Amoun' Due By: 02/24/20 You are enrolled in Automatic Payments. On the Aummafic Payment Date noted above, the noted Automatic Payment Amount will be PrinCiPOI Balance withdrawn from the accounf you aufhorized. If New Amount Due is 05 05 S'G’emem 00,31 $9,234.69 received after the Total Amoun! Due By dare, o $39 Late Fee will be charged. To receive your payoff amoum, please visit the Account Center ct https://www.discover.com/personal-loans/login-regisfer/ IMPORTANT MESSAGES Enroll in convenient and confidential paperless statements. Get easy If you make a payment in an amouni tho? exceeds the access for up 10 seven years of statements, get your statemem delivered up Total Amount Due and you would like to have the to five days sooner than by mail, and reduce paper waste. To get started, amount applied towards your next month's payment, visit discover.com/personoMoons or call 1-877-256-2632. please inform us af Discover.com/Personcl-Loons or ca” us at 1-877-256-2632. J TRANSACTION DETAILS for 1/4/20 - 2/4/20 DATE POSTED AMOUNT Payment by CCR-PHONE AGENT 01/24 $273.71 Total Payment Amounts Received .3273,” Additional Transactions (see nex1 page) Please make checks payable to Discover" Personal Loans. Flaps; {O_Id o_n the perforation below, dglach and return with your payment. [ Pcymon! Coupon e Pay Onlina G Pay by Phone ] Acmum Number: mFloats do no, fold, clip or naplo. Discouneom/PononaLLoam l-877-256.2632 Total Amour" Due:See reverse side for imponam information about your account Totql Amount Due By 02/24/20 "II"I'lulll'ul'l'l'h'llll'l'll.”"I'"lullllulul'l'dll' ll Now Amount Due shown In the AccountSummary secflon above is received offer the To'al Amaunl Due By dale. a $39 Late Fee wAII be charged Cnstofer Ramirez Amount Endosod: s l l 1804 Pine Hollow Cir .3? San Jose, CA 95] 33-1 727 % Mail fo: DISCOVER PERSONAL LOANS PO BOX 6105 CAROL STREAM, IL 60197-6105 Phone and online paymen's initiated chef 5 PM ET will be credited lhe followlng day l'”I'llluhl'I[IhII”IIH"lH.llIhu'."lhluhlllpl'l'lqAddress, e-mafl or telephone changed? Nole changes on reverse s de. Crisfofer Ramirez CONTACT US 1 | Visit us onlino, anytime See oll of your lronsocfion history I and Interest accrual information in Ihe Account Center hflps://www.dis¢over.com/ personalJoans/login-regisier/ 8 am-B pm Eastern lime. IMPORTANT INFORMATION: lOAN AGREEMENT: Please re!er Io the Truih-in-Lending Disclosures and Loan Agreement included in your welcome kit for the terms and conditions of your account. CREDIT REPORTING: We moy repon informuhon about your account to credit bureaus. late payments, mussed payments, or other defaults on your account may be reflected in your credn report H you believe lhoI our repod is incorrect or incomplete, please write io us at lhe general correspondence address listed above. Please include your name, address, account number and o phone number where you can be reached should we hove questions or need to speck with you. PAYMENTS: Send only your payment and lhe bonom ponion of this stolement in lhe envelope provided. PLEASE DO NOT SEND CASH. Sending cosh payments is not allowed. By sending your check, you authorize us lo use iniormolion on your check to make an electronic fund transfer (EFT) from your account o! 1he financial institution indicated on your check, or Io process the payment os o check tronsoclion. If Che payment is processed os on electronic fund transfer, Ihe transfer will be for the amount of the check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon os the some day we receive your payment and you will no! receive your check back from your financial institution. The processing of your acceptable form of payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment lo any oiher address, or i5 you use on envelope oiher lhon the one provided. Unless requested otherwise, payments received by 5pm Eastern Time al the paymen' address on any day will be credited as of 1hat day. Payments received a1 lhe payment address after 5pm Eastern Time will be crediled us of the that next day. lf you hove mrsplaced your envelope, send your payment lo Discover Persona! Loans, PO Box 6105,Caro|$treum, IL 60197-6105.Pleose allow 7-lOdays for delivery. H your payment is relumed unpaid, we reserve the right to resubmit i? as on electronic debit For overnight poymenls please send Io: Discover Personal Loans, Afln: Lockeox Operations/6105,2012Corporate lone, Suite l08, Naperville, IL 60563 HC‘HANGEOF ADDRESS If corred on front, do no? use. Please prinf clearly in blue or black ink in the space provided. Account Number:_9041 Cull 1-877-256-2632, opl. I TDD coll I-866JIO-3357 Automated phones are ovaiIoble 24/7. Customer Service Agents are available to assist you Monday through Friday, Sfreel Add ress City State, Zip Statement Date: February 4, 2020 Page 2 of 3 Mail Payments To 1 Discover Personal Loans ' Write to us cf Duscover® PO Box 30396 20 Biogtélos ILS hL k C' ,UT 84130 arc ream,a a e "Y 60197-6105(Not o poymen? address) You can also pay your Monihly Payment Amount, or o greater amount that does not exceed your Currenl Payoff Balance, over Ihe Oelephone, or online at Discover.com/Personol-Loans. |n order Io make a payment by telephone, you will need your personal loan account information and your bank occounf inlormofion. By pressing 1' lo confirm your payment by phone, you will be agreeing to the outhorizchon Io ulfow vs and your bank Io deduct each payment you authorize, in the amount selected by you, from your bank account You also authorize us Io inihote debit or credit eniries to your bank occouni, as applicable, Do correct ony error in the processing of such payment Payments made for the same day will be processed immediately and cannot be canceled once submitted. However, you con cancel o payment scheduled {or o future dale by contacting us at 1-877-256-2632priorto 5pm Eastern Time on the payment date. To cancel by mail, send lo: Discover Personal Loans, PO Box 3039650“ Lake City, UT 84l30-0396;however we mus! receive notice a! least lhree (3) business days in advance 05 the scheduled payment date. AUTOMATIC PAYMENTS SERVICE: You have the option of scheduling o recurring automatic payment for eiiher the Monthly Payment Amount or another amount of your choice. You mus! ensure that sufficient funds ore avoilab’e in your bank account, and all transactions mus! comply with U.S. low. If your Automatic Payment Amount is not enough to cover lhe Monthly Payment Amount as listed on your momhly billing stalemenl, you will be responsible for paying any difference. If the scheduled Aufomotic Payment Amount is greater Ihon the Monthly Poymenl Amount, any excess wi" be applied in accordance wiih your Loon Agreement. Your Automatic Payment Amount may be less than the Total Amount Due indicated on your monthly billing statement based on credits or payments aher the closing dole. H your scheduled payment date falls on o weekend or o bunk holiday, your payment will be processed Ihe business day ufler the weekend or bank holiday. Check onezg' Monthly Payment Amounl or Ci Olher Amount: $__ Bank Rowing #2 _ Bank Account #z . _ _ Frequency (check one): L; Monihly on Payment Due Date or fl0n___ of each month. Home Phone Work Phone II ___WJ Email To make changes to your address, email or telephone please visit Discover.com/Persona|~Loons Cristofer Ramirez Account Number:-9041 Staiemenf Date: February 4, 2020 Page 3 of 3 Continued from Page‘l TRANSACTION DETAILS for 1/4/20 - 2/4/20 DATE POSTED AMOUNT See your transaction history and inieresi information in the Account Center at hflps://www.discover.com/personol-Ioons/Iogin-register/ PAYMENT AMOUNTS Interesf Paid: _ -$l 73.98 Principal Paid: -$99.73 $0.00Late Fees Paid: .Zl. . 1n: Account number: -904'l PERSONAL LOANS Stofemeni Doie: January 4, 2020 9°99 I 9f 3 ACCOUNT SUMMARY Loan Maturity Date.- 06/24/24 | New Amount Due: $273.71 Interest Rate: 21.99% g Amount Pas? Due: $0.00 Siandurd Monfhiy Payment Amount: $273.71 Late Fees Due: $0.00 Automatic Payment Amount: $273.71 i Total Amount Due: $273.71 Automatic Paymem Date: 01/24/20 Total Amount Due By: 01/24/20 You are enrolled in Automatic Payments. On the Automatic Payment Principal BalanceDale noted above, the no'ed Automoiic Payment Amount will be as of Siofement Dote: $9,334.42withdrawn from the account you authorized. If New Amount Due is received after the Total Amour" Due By date, a $39 Late Fee will be charged. To receive your payoff amount, please visit the Account Center of hfips://www.discover.com/personoI-loans/login-regisfer/ IMPORTANT MESSAGES Happy Now Year! If you make a payment in on amount that exceeds the As another year begins, we want to take a moment to wish you a great Total Amount Due and you would “ke to have the 2020. Thank you for being a valued Discover Personal Loans cusiomerl amount applied towards your nex? month's paymem, please inform us ct Discover.com/PersonaI-Loons or call us a? 1-877-256-2632. ACCOUNT ACTIVITY FRANSACTION DETAILS for 12/4/19 - 7/4/20 DATE POSTED AMOUNT Payment by CCR-PHONE AGENT 12/24 -$273.71 Total Payment Amounts Received $273.71 Additional Transactions (see nex‘) page) Please make checks payable to Discover” Personal Loans. Plegse fold on the perforation belowtéefach un_d_ reIurn wiIh yo_ur pqyment. see reve'se side f°'l' imPW'P'“ inbrma'im‘ “hm" Y°W °¢¢°Um~ Paymenl Coupon Pay Onlino Pay by Phone Accoun' Number: 904‘ Please do not fold. clip or staple. Discover‘oom/Personal-loam 1-877-256-2632 Toga| Amount Due: 5273.7] Total Amount Due By: 01/24/20- II'"Hlu'IIIIIIIlu'l'lulll’ll'""'"Ihhu'i'IIHII'IIIII" If New Amouni Duo shown in Ihe Account Summary section above is received aher Ihe Toiul Amounl Due By dole, a $39 Late Fee will be charged. Cristofer Ramirez ’ [-hl 1804 Pine Hollow Cir h A'"°‘“'" E""°S°d- 3 San Jose, CA 95133-1 727 g Mail to: DISCOVER PERSONAL LOANS PO BOX 6105 CAROL STREAM, IL 60197-61 05 Ph d I ' d fl 5PMET ’Hb d' dh HI doneon onmepaymentsmmole a er WI ezre Ile Ie o owmg oy |Hl”"dphh'llI"ll'IIHHI'H'I'IHH'Illlllh'lldlllu‘l'Address, o-mufl or telephone changed? Note changes an reverse snde. Cristofer Ramirez CONTACT US Account Number:-9041 I Visit us onlino, anytime- See all of your transaction history ‘ and inIerest accrual information m ' the Account Center I hflps://www.discover.com/ " personul-loans/login-register/ TDD coll 1'866-7 l 0-3357 IMPORTANT INFORMATION: LOAN AGREEMENT: Please reler Io Ihe Tru'h-imLending Disclosures and Loan Agreemen! included in your welcome kit for the terms and conditions of your account. CREDIT REPORTING: We may report information about your account ro credit bureaus. Lo’e payments, missed poymenls, or olher defaults on your account may be reflecled In your credit report H you believe lho! our repon is incorrect or incomplete, please write to us of Ihe general correspondence address lisled above. Please include your name, address, accounl number and a phone number where you can be reached should we hove questions or need Io speak with you. PAYMENTS: Send only your payment and the borlom portion of lhis statement in the envelope provided. PLEASE DO NOT SEND CASH. Sending cosh payments is not allowed. By sending your check, you authorize us to use information on your check Do make an electronic fund Iransfer (EFT) from your accounl o! the financial insmuiion indicoIed on your check, or io process the payment os a check transaction. H the payment is processed as an electronic fund transfer, the transfer will be for the amount of the check. When we use information from your check Do make on electronic fund transfer, lunds may be withdrawn from your account as soon as the same day we receive your payment, and you.wil| not receive your check back from your financial institution. The processing of your acceptable lorm of payment may be delayed if you send cosh, correspondence or olher items with your poymenl, if you send the paymeni Io ony other address, or il you use on envelope other than lhe one provided. Unless requested otherwise, payments received by 5pm Eastern Time cl the payment address on any day will be credited as of that day. Payments received al the payment address ofler 5pm Eastern Time will be credited os of the tho! next day. If you have misplaced your envelope, send your payment lo Discover Personal Loans, PO Box 6|05,Caro|Streom, IL 60197-6l05Hease allow 7-]0doys for delivery. If your payment is returned unpaid, we reserve the righl Io resubmit il as an elecironic debit. For overnighl payments please send to: Discover Personal Loans, Arm: LockBox Operations/6105.2012Corporate Lone, Suite '08, Naperville, ll. 60563 CHANGE QF ADDRES§ Call 1-877-256-2632, opt. ‘l Automated phones are available 24/7‘ Cus'omer Service Agents are available to assis' you Monday ihmugh Friday, Statement Date: January 4, 2020 Page 2 of 3 Mail Payments To Discover Persona! Loans WriOe to us of Discover® PO Box 30396 £0 B‘o§'6105 “IS 12L k C' ,UT 84,30 aro ream,a a e "y 60197.6105(Not a poymen! address) You con also pay your Monthly Payment Amount, oro greODer amount that does not exceed your Current Payoff Balance, over Ihe Oelephone, or online a! Discover.com/Personal-Loans. In order to make a payment by Ielephone, you will need your personal loan account informaiion and your bank account information. By pressing '1 lo confirm your paymeni by phone, you will be agreeing to the authorization 1o allow us 0nd your bank to deduct each poymeni you authorize, in Ihe amount selected by you, from your bank account. You also au’horize us 10 iniliole debit or credit entries to your bunk account, as applicable, to corred any error in the processing of such payment. Payments made for the same day will be processed immediately and cannot be canceled once submifled. However, you con cancel a payment scheduled for a future dale by contacting us of l-877~256-2632prior to 5pm Eastern Time on the payment dole. To cancel by mail, send lo: Discover Personal Loans, PO Box 30396,Sa|l Lake Cfly, UT 84130-0396;however we must receive notice ol least three (3) business days in advance of 1he scheduled payment dale‘ AUTOMATIC PAYMENTS SERVICE: You hove Ihe option of scheduling a recurring automatic payment for enher the Monthly Payment Amoum or another amount of your choice. You must ensure that sufficienl funds ore available in your bank account, and u“ Ironsadions mus! comply wulh U.S. low. If your Automatic Poymenf Amount is nor enough Io cover the Monthly Payment Amount as listed on your monthly billing sialement, you will be responsible for paying any diflerence‘ If the scheduled Automatic Payment Amount is greater lhan the Monthly Payment Amount, ony excess wull be applied in accordance with your Loon Agreement. Your Automolic Payment Amount may be less than Qhe Total Amounl Due indica'ed on your monthly billing statement based on credits or payments after the closing date. If your scheduled payment date falls on a weekend or a bank holiday, your payment will be processed Ihe business day aher Ihe weekend or bank holiday. Chuk one Monlhly Payment Amount or C] Other Amount $__‘ Bank Routing #2 _ Bank Account #2 . Frequency [check one): 1:] Monthly on Paymeni Due Dole or [JOn __ of each month. Date: 1' Slreei Address City Slate, Zip If corred on fiont, do not use. Please print clearly in blue or black ink in the space provided. Home Phone Work Phone Emai! To make changes to your address, email or telephone please visit Discover.com/F’ersona|~Loons DISCMER‘ Cristofer Ramirez Page 3 of 3Account Number_9041 Statement Dore: January 4, 2020 Continued from Page] TRANSACTION DETAILS for 12/4/19 - 1/4/20 DATE POSTED AMOUNT See your transaction hisfory and interest information in the Account Cemer at hflps://www.discover.com/personul-loans/login-register/ PAYMENT AMOUNTS lnteresf Paid: -$1 70.58 -$ 1 03. I 3Principal Paid: Late Fees Paid: $0.00 J DISC VER' Accounfnumber: -9041 PERSONAL LOANS .Zlo Statement Date: December 4, 201 9 P099 I 0f 3 ACCOUNT SUMMARY Loan Maturity Date: 06/24/24 New Amount Due: $273.71 Interest Rate: 21 .99% Amount Past Due: $0.00 Standard Monihly Payment Amount: $273.71 Late Fees Due: $0.00 Automatic Payment Amount: $273.71 Total Amount Due: $273.71 Automatic Payment Date: 12/24/1 9 i Total Amoum Due By: 12/24/1 9 You are enrolled in Automatic Payments. On the Automatic Payment 3 Dale noted above, the noted Aulomafic Payment Amount will be withdrawn from the accounf you authorized. If New Amount Due is received offer fhe Total Amount Due By dale, a $39 Late Fee will be charged. Principal Balance as of Statement Date: $9,437.55 To receive your payoff amount, please visii the Account Center at hftps://www.discover.com/persona|Joans/login-register/ IMPORTANT MESSAGES Enroll in convenient and confidential paperless statements. Get easy If you make a payment in an amount that exceeds the access for up to seven years of statements, get your statement delivered up Total Amount Due and you would like to have the to five days sooner than by mail, and reduce paper waste. To get started, amount applied towards your next month's payment, visit discover.com/persona|-loans or call 1-877-256-2632. please inform us of Discover.com/Personol-Loans or ca“ us at 1-877-256~2632. ACCOUNT ACTIVITY TRANSACTION DETAILS for 11/4/19 - )2/4/1 9 DATE POSTED AMOUNT Payment by CCR-PHONE AGENT 1 1/25 $273.71 Total Payment Amounts Received -$273.71 Additional Transactions (see nex1 page) Please make checks payable to Discover” Personal Loans. I Pleos_e_f9!d_ on fh__e_perforafion_ b__e_|_ow, detach and retyrn wivh your puymgnj: _ [ See reverse side for impoflani information about your account. Payment Coupon Pay Online G Pay by Phone ] Accwm Number: m Plume do no! fold‘ clip or utopia. Dimovol.com/Perwnal-Loans 1.877-256-2632 Toga| Amour” Due; Total Amount Due By: |2/24/1 9 ll"‘I'l"""Il"Ill'll'l'l"Inllll'III'IIlllllllldl'lllllnh If New Amount Duo shown m Ihe Account Summary sedion above is received aha! the To’al Amounl Due By dole, a $39 Late Fee will be charged Crlsfofel' Ramirez Amount Enclosed: S I II804 Pine Hollow Cir .. ,. San Jose, CA 95133-1 727 i" Mail fo: DISCOVER PERSONAL LOANS PO BOX 6105 CAROL STREAM, IL 601 97-6105 Phone and onhne payments initialed oher 5 PM ET will be crediOed Ihe followmg day Address, o-moil or Ialaphono changed? Note changes on reverse sude. I"I”'II'hI'll'lIIIIIIIII'I'III'I'””l'l'“h'l'lhllluuul' Cristofer Ra mirez CONTACT U__S ‘ Visit us onlino, anytime See all of your Iransachon history I and interest accrue! information In - Ihe Account Center l hflps://www.discover.com/ personalJoans/login-register/ l 8 om-B pm Eastern hme. IMPORTANT INFORMATION: LOAN AGREEMENT: Please refer lo the Truth-in-Lending Disclosures and Loon Agreemenl included in your welcome kit for the terms and conditions of your account. CREDIT REPORTING: We moy report Information about your account to cred" bureaus. tote payments, missed poymenIs, or other defaults on your account may be reflec'ed m your cred" report. ll you believe Ihal our report is incorrect or incomplete, please write to us at the general correspondence address listed above. Please include your name, address, account number and o phone number where you con be reached should we hove questions or need Io speak with you. PAYMENTS: Send only your payment and the bottom pornon of thus slalemeni in Ihe envelope provided. PLEASE DO NOT SEND CASH. Sending cash payments is no? allowed. By sending your check, you authorize us to use information on your check Io make an electronic fund transfer (EFT) from your account oi the financial ins'ifufion indica’ed on your check, or to process lhe payment os a check transaction. If lha payment is processed as an ehctromc fund transfer, the I(ansfer will be {or 9he amounl of lhe check. When we use information from your check to make an eleclronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you wilI not receive your check back from your financial insMuhon. The processing of your acceptable form of payment moy be delayed if you send cosh, correspondence or other items wi'h your payment, i5 you send the payment to any other address, or if you use an envefope oiher than the one provided Unless requested otherwise, payments received by 5pm Easiem Time at the payment address on ony day will be credited as of tho! day. Payments recewed of the payment address oher 5pm Eastern Time will be ctedited as of the that next day. If you hove misplaced your envelope, send your payment to Discover Personal Loans, PO Box 6105,Corol$tream, IL 60l97-6105.P|ease allow 7-]0doys for delivery. If your payment is relurned unpaid, we reserve the right lo resubmit it as on eledronic debil. For overnight payments please send Io: Discover Personal Loans, Am: LockBox Operafions/6105,2012Corporate Lane, Suite 108, Naperville, II. 60563 CHANGE__QF_ADDREss Account Number:-9041 Ca” 1-877-256-2632, opt 1 TDD call 1-866-710-3357 Autommed phones are available 24/7 Customer Service Agen's are ovaiiable to assist you Monday through Friday, Statement Date: December 4, 2019 Page 2 of 3 Mail Payments To Discovet Personal Loans Write to us at Discover® PO Box 30396 20 Blogt'6105 ILS ch k C' ,UT 84130 Pro ream,° a e "y 60197-6105(No: a payment address) Yov con also poy your Momhly Paymeni Amount, ora greater amount tho! does not exceed your Currenf Payoff Balance, over the telephone, or online oI Discover.com/Personol-Loans. In order io make a payment by telephone, you wéll need your petsonol loan account information and your bank account information. By pressing '1' to confirm your payment by phone, you will be agreeing to the authovization Io ollow us 0nd your bank to deduct each payment you authorize, in the amount selected by you, from your bank account. You also auihorize us lo iniiiote debil or credit entries 10 your bonk account, cs applicable, to correct any error in the processing of such payment. Payments made for Ihe same day will be processed immediaiely and cannot be canceled once submitted. However, you con cancel o payment scheduled for o lulure date by confiading us al l-B77-256-2632priorto 5pm Eastern Time on the payment date. To cancel by moil,send tozDiscover Personal Loans, PO Box 30396,Sah Lake City, UT 84l30-0396;however we must receive noiice 01 least .‘hree (3) business days in advance of the scheduled payment date. AUTOMATIC PAYMENTS SERVICE: You hove the option o’ scheduling a recurring automatic payment for either lhe Monthly Payment Amount or another amount of your chonce. You mus! ensure tho? sufficient funds ore available in your bunk account, and all 1ronsoctions mus! comply wiih U.$. law. If your Aulomoiic Poymen! Amount is not enough to cover the Momhly Payment Amoum os listed on your monlhly bifling stalemenf, you will be responsible for paying any difference. If ?he scheduled Automatic Payment Amount is greater than lhe Monthly Paymenl Amoun’, any excess will be applied In accordance with your loan Agreement. Your Aufomalic Payment Amount may be less than the Total Amount Due indicated on your monthly billing statement based on credits or payments after 'he closing dale. If your scheduled payment dale falls on a weekend or o bank holiday, your poymenl will be processed 9he business day oHer the weekend or bank holiday. Check onmffl Monthly Payment Amount or D Other Amount: $ Bonk Roofing #1 Bank Account #z __ Frequency (check one): G Monthly on Payment Due Dare or DOn___ of each month. Date: If corred on front, do not use. Please print clearly in blue or black ink in the space provided. Street Address City Sche, Zip Home Phone Work Phone Email To make changes to your address, email or telephone please visit Discover.com/Personcl-Locns mscmm Crisiofer Ramirez Account Number:_9041 Statement Dafe: December 4, 201 9 Page 3 of 3 Continued from Page] TRANSACTION DETAILS for 1 1/4/19 - 12/4/19 DATE POSTED AMOUNT See your fransodion history and interest information in the Account Center of hflps://www.discover.com/personaI-Ioans/login-register/ PAYMENT AMOUNTS Interest Paid: -$1 78.04 Principal Paid: -$95.67 $0.00Lute Fees Paid: J .Zl. DISC VER' Account number: _904l PERSONAL LOANS Staiement Date: November 4, 2019 P099 1 0f 2 ACCOUNT SUMMARY Loon Maturity Date: 06/24/24 New Amo‘um Due: $273.71 Interest Rafe: 21 99% Amount Past Due: $0.00 Standard Monthly Payment Amount: $273.71 Late Fees Due: $0.00 Automalic Payment Amouni: $273.71 g Total Amount Due: $273.71 Automatic Paymem Date: 11/24/1 9 Total Amount Due By: I I /24/I 9 You are enrolled in Automatic Payments. On fhe Automatic Payment Dale noted above, the noted Automatic Payment Amount will be wifhdrawn from the account you authorized. If New Amount Due is received after the Total Amount Due By date, a $39 Late Fee will be charged. Principal Balance as of Statement Date: $9,533.22 IMPORTANT MESSAGES r Thank You for being a valued Discover Personal Loans customer. We‘re honored to be rated an average of 4.9 out of 5 stors', and we appreciate being included in your plans for a bright financial future. ‘Discover Personal Loans average "Overall Rating" based on reviews by customers as seen on www.discover.com/personal-loans ACCOUNT ACTIVITY If you make a payment in an amoun? that exceeds the Total Amount Due and you would like to have the amount applied towards your next month's payment, please inform us of Discover.com/Personal-Loans or co" us oi 1-877-256-2632. TRANSACTION DETAILS DATE POSTED AMOUNT Payment by CCR-PHONE AGENT 10/24 $273.71 Total Payment Amounts Received -5273,7‘| PAYMENT AMOUNTS Principal Paid: -$99.60 Interest Paid: -$I 74.1 I Late Fees Paid: $0.00 Please make checks payable Io Discovev’ Personal Loans. P|e_ase_f_olq on thgperforafion bglow, detach and return with your payment. Payment Coupon Pay Onlino Pay by Phone Please do no! Fold. clip or flaplo. Discover.:om/Porsonal-loqna 1.877.256.2632 See reverse side for important information ubou! your account. j Account Number: m Totgl Apoun' Due: . ??.?.?.zn Cristofer Ramirez 1804 Pine Hollow Cir .9. San Jose, CA 95133-1 727 & Phone and online payments miiiared alter 5 PM ET will be credited Ohe following day Address, o-mail or foiophono ¢hangod? Note changes on reverse s dc. Total Amount Due By: 11/24/1 9 II Now Amount Due shown in the Accoun! Summary section above is received after flhe Total Amount Duo By date, a 339 lofe Fee will be charged Amount Enclosed: S I l Mail to: DISCOVER PERSONAL LOANS PO BOX 6 1 05 CAROL STREAM, IL 601 97-61 05 ",llpnquqth"hum:"I”I.,|,h,..lnn...ll.mm." Cristofer Ramirez CONTACT US Account Number:_904l Statement Date: November 4, 201 9 Page 2 of 2 ' k Visit us online, anytime ‘ - to access your account 09 Discover.com/Personal~Loans J 8 um-8 pm Eastern Dime. IMPORTANT INFORMATION: LOAN AGREEMENT: Please refer to the Trth-in-Lending Disclosures 0nd Loon Agreemenl included in yOur welcome kit for the terms and conditions of your account. CREDIT REPORTING: We may repon informalion about your account lo credll bureaus. lme payments, missed poymen’s, or ofher defaults on your account may be reflected in your credn report. If you believe that our report is incorrecl or incomplete, please write to us a! the general correspondence address listed ob0ve. Please include your name, address, account number and u phone number where you con be reached should we hove questions or need lo speak with you. PAYMENTS: Send only your payment and Ihe bottom portion of this statement in lhe envelope provided. PLEASE DO NOT SEND CASH. Sending cash payments is not allowed. By sending your check, you oulhorize us to use informoflon on your check to make an eleclronic fund transfer (EFT) from your account at the financial institution indica'ed on your check, or to process the poymenI cs a check transaction. ll the poymeni is processed os on electronic fund transfer, the transfer will be for the amount of 9he check. When we use information from your check to make on electronic fund transfer, funds may be withdrawn from your account as soon os the same day we receive your payment, and you will not receive your check back from your financial instilulion. The processing of your acceptable form o5 payment may be delayed if you send cash, correspondence or other Items with your payment, if you send lhe payment lo any olher address, or if you use on envelope oiher than lhe one provided. Unless requested otherwise, payments received by 5pm Eastern Time al [he payment address on any day will be credited os of that day. Payments received o! the payment address ofler 5pm Eoslem Time will be credited as of the lhot next doy‘ If you hove misplaced your envelope, send your payment to Discover Personal Loans, PO Box 6305,Coro|$!ream, IL 60197-6IOS‘Pleose ollow 7-IOdays for delivery. If your payment is returned unpaid, we reserve the righl to resubmil it as an elecnonic debit. For overnight payments please send Io: Discover Personal loans, Afln: LockBox Operations/6105,2012Corporate Lone, SuiIe 108. Noperville. IL 60563 91ANGE_W<2__F_A_DDR#ESS Cull 1-877-256-2632, opt. I TDD coll 1-866-710-3357 Automated phones ore ovaflable 24/7‘ Cushmer Service Agents are available to assist you Monday through Friday, Mail Payments To Discover Personal Loans Write to us ct Discover® PO Box 30396 PO 80x 6105 Salt Lake City, UT 84130 Carol Stream, IL 60l97-6105(Not a payment address) You con also poy your Monthly Payment Amount, ora greater amount ihat does no! exceed your Currenl Payoff Balance, over Qhe telephone, or online of Discover.com/Persono|-Loons. In Older to make o payment by lelephone, you wlli need your personal loan account information and your bank account informofion By pressing ‘I' to confirm your payment by phone, you will be agreeing to the outhorizalion i0 allow us and your bank lo deduct each poymeni you authorize, in the amount selected by you, from your bank account. You also authorize us {o initiate debit or credit entries to your bank occounl, os applicable, to correct ony error in the processing of such payment Payments mode for the some day will be processed immedioiely and cannot be conceied once submitted. However, you con cancel a poymenl scheduled for o future date by conlading us of 1-877-256-2632priorto 5pm Eastern Time on the payment dole. To cancel by mail, send to: Discover Personal Loans, PO Box 3039650" Luke City, UT 84l30-0396;however we must receive notice at least three (3) business days in advance of the scheduled payment date. AUTOMATIC PAYMENTS SERVICE: You have Ihe option of scheduling a recurring automalic payment for either the Monthly Puymenk Amount or another amount of your choiceA You must ensure Phat sufficient funds ore available in yow bank occovnt, and all transactions mus! comply wiih U.S. law. If your Automatic Payment Amount is no! enough to cover Ihe Monthly Payment Amount as listed on your monthly billing s'atement, you will be responsible for paying any difference If the scheduled Automatic Payment Amoun' is greater than the Monthly Payment Amount, any excess will be applied in accordance with your Loon Agreement. Your Automc'ic Payment Amount may be Iess Ohan the Totol Amount Due indicated on your monihly billing statement based on crediis or payments oHer lhe closing doie. If your scheduled payment date falls on a weekend or a bank holiday, your payment will be processed lhe business day offer lhe weekend or bank holiday. Check ono:E Monihly Payment Amounl or L} Other Amount 3'- Bank Routing #2-‘_'-h'"'""_*--'- - " "" Bank Account #: Frequency (check one): fl M2111]; on Payment Due Date or DOA of each month. Date: If corred on front, do not use. Please print clearly in blue or black ink in the space provided. I I Street Add ress é City Siafe, Zip Home Phone Work Phone Email l To make changes fo your address, email or telephone please visit DiscoverLOM/Personol-Loans ‘zl' DlSCfiVER’ Account number: -9041 PERSONAL LOANS Statement Date: October 4, 2019 P099 ‘ °f 2 ACCOUNT SUMMARY Loan Mowrity Date: 06/24/24 New Amount Due: $273.7] lnferesf Rate: 2] .99% Amount Pas? Due: $0.00 Standard Monthly Payment Amount: $273.71 Late Fees Due: $0.00 Automatic Payment Amount: $273.71 Total Amount Due: $273.71 Automulic Payment Date: 10/24/1 9 Total Amount Duo By: - 10/24/19 You are enrolled in Automatic Payments. On the Automatic Payment Dale noted above, Ihe noted Automatic Payment Amount will be withdrawn from the accoun! you aufhon'zed. If New Amount Due is received after Ihe Total Amount Due By dare, a $39 Late Fee will be charged. Principal Balance as o§ Statement Doie: $9,632.82 IMPORTANT MESSAGES Earn cash buck on your debit card purchases Cosh back isn't iust for credit cords. Now you con earn cosh back on purchases each month with your Cashbock Debit card. To get storied, visit DiscoverBonk.com/Debit. If you make a payment in an amouni ihot exceeds the Total Amount Due and you would like to have the amount applied towards your next month's paymeni, please inform us at Discovemom/Personol-Loans or coll us at 1-877-256-2632. ACCOUNT ACTIVITY Late Fees Paid: TRANSACTION DETMLS DATE POSTED AMOUNT Paymem by CCR-PHONE AGENT 09/24 -$273.7] Total Payment Amounts Received -$273.71 PAYMENT AMOUNTS Principal Paid: -$92.09 Interest Paid: $181 .62 $0.00 Please make checks payable to Discover” Personal Loans. Payment Coupon Pay Online Pay by Phone Pleas. do no, Md, dip or daplo. Discovomom/Pononal-loans 1.877.256.2632 Cristofer Ramirez 1804 Pine Hollow Cir l. San Jose, CA 95133-1 727 s Phone and online payments inlhaled uher 5 PM ET will be credited lhe iollowmg day Addrus, e-mail or lolaphone changed? Nofe changes on reverse s-de. See reverse side for important information about your account. J Account Number: 904] Toiol Amount Duhe-:____ Toiol Amount Due By: 10/24/1 9 H New Amaum Due shown in {he Account Summary secfion above is (ecewed afler the Total Amoun' Duo By dare, a $39 Lale Fee will be charged Amount Enclosed: S l Mail to: DISCOVER PERSONAL LOANS PO BOX 6105 CAROL STREAM, lL 60197-6105 I'lllhII'IIIHI'h'””"1"“'Il“l"I"'I'IHn'm"I'llln'l Cristofer Ramirez CONTACT US x Visit us online, anytime l - lo access your account or Discover.com/Personal-I.oans t 8 am-8 pm Eastern time. IMPORTANT INFORMATION: LOAN AGREEMENT: Please refer to the Trufh-in-Lending Disclosures and Loan Agreement included in your welcome kit for the lerms and conditions of yOur account. CREDIT REPORTING: We moy repori information obouf your account to credit bureaus. Late paymems, missed payments, or olher delouhs on your account may be reflected u'n your credit repon. H you behave ihol our report is incorrect or incompleie, please write (o us at Ihe general correspondence address lisred above. Please include your name, address, account number and o phone number where you con be reached should we hove questions or need 10 speak with you. PAYMENTS: Send only your payment and the bonom porlion of this statement in the envelope provided. PLEASE DO NOT SEND CASH. Sending cash payments is not allowed. 8y sending your check, you aulhorize us Io use information on your check Io make on electronic fund transfer (EFT) from your account cl the Financial institution indicated on your check, or to process lhe payment as a check transaction. If the payment is processed as on electronic fund lronsfer, the transfer will be for the amount of the check When we use information from your check to make on eleclronic fund transfer, (unds may be withdrawn from your account as soon os lhe same day we receive your payment, and you will not receive your check back {ram your financial institution. The processing of your acceptable form of payment may be delayed if you send cash, correspondence or other items with your payment, if you send lhe payment lo any other address, or if you use on envelope other than lhe one provided. Unless requested otherwise, paymenis received by 5pm Eastern Time at the payment address on any day will be credited cs of lhal day. Payments received a! the poymenl address after 5pm Ecslern Time will be credited as of the tho! nexi doy. If you hove misplaced your envelope, send your payment lo Discover Personal Loans, PO Box 6105,Coro|$lream, IL 6039.7-6105Please allow 7-]0days for delivery. ll your payment is returned unpaid, we reserve Ihe light lo resubmit it as on electronic debit. For overnight payments please send 1ozDiscover Personal Loans, Afln: LockBox Operoiions/6105,20]2Corporate lane, Suiie 108, Naperville, IL 60563 Account Number:-9041 Call 1-877-256-2632, opt. 1 TDD call 1-866-710-3357 Automated phones are available 24/7. Customer Service Agents are available to assist you Monday through Friday, Statement Date: October 4, 201 9 Page 2 of 2 Muil Payments To Discover Personal Loans Write Io us a! Discover® PO Box 30396 PO Box 6105 Salt Lake City, UT 84130 C°r°| S'ream. IL 601 97-6105(Nov o payment address) You can also poy your Monthly Payment Amount, ora greater amount |th does nol exceed your Currenl PoyoH Balance, over the telephone, or online oi Discover.com/Persona|-Loons. In order Io make a payment by telephone, you wiH need your personal loan account information and your bank account information. 8y pressing '1‘ to confirm your poymenl by phone, you will be agreeing to the authorization Io oNow us and your bank to deduct each poymenl you authorize, in the amount selected by you, from your bank account. You also authorize us lo inifiote debit or cred" entries Io your bank account, as applicable, to correct any error in the proceSsing oi such payment. Payments made for the same day will be processed immedioiely and cannot be canceled once submifled. However, you can cancel o payment scheduled for a future dofe by contacting us of I-877-256-2632prior i0 5pm Easiern Time on Ihe payment date. To cancel by mail, send to: Discover Personal Loans, PO Box 30396.50“ Lake City, UT 84l30-0396;however we must receive notice o! leasi ihree (3) business days in advance of the scheduled payment date. AUTOMATIC PAYMENTS SERVICE: Yov hove the option of scheduling o recurring automatic payment (or either the Monthly Paymeni Amounl or another amount of your choice. You mus! ensure lha! sufficient funds ore available in your bank account, and all transactions musl comply wiih U_S. law. If your Automclic Payment Amoun! is not enough io cover Ihe Monthly Payment Amount as lisled on yow monthly billing statement, you wiH be responsible for paying any difference. If the scheduled Automatic Paymenl Amoun' is greater Ihon the Monthly Payment Amount, any excess will be applied in accordance with your Loon Agreement. Your Automatic Poymenl Amount may be less than the Total Amount Due indicated on your momhly billing statement based on credits or puymenis oher the closing dole. If your scheduled payment date falls on a weekend or o bank holiday, your payment will be processed lhe business day oHer the weekend or bank holiday. Check oan Monthly Poymeanmounf OI [1 Other Amount $- """"""" Bank Routing #:_ """" ' ' Bank Account #: Frequency (check one): U Monihly on Payment Due Dole or T}On of each month, v Dale: CHANGE OF ADDRESS If corred on front, do no? use. Please print dearly in blue or black ink in the space provided. Street Add ress I J Work Phone City State, Zip Home Phone Email To make changes 00 your address, email or telephone pteose visit Discover.com/Persono|‘Loons .Zl. DISC VER. Account number: -9041 PERSONAL LOANS ‘fi Statement Date: September 4, 2019 P099 I °f 2 ACCOUNT SUMMARY Loan Maturity Date: 06/24/24 ' New Amount Due: $273.71 Interest Rate: 21 .99% Am0unt Pas? Due: $0.00 Standard Monthly Payment Amount: $273.71 Late Fees Due: $0.00 Automatic Payment Amouni: $273.71 Total Amount Due: $273.71 Automatic Payment Date: 09/24/19 ' Total Amount Due By: 09/24/19 You are enrolled in Automatic Payments. On the Automatic Payment Dale noted above! the noted Automatic Payment Amount will be withdrawn from the accounf you authorized. If New Amount Due is received afler fhe Total Amount Due By dafe, a $39 Lore Fee will be charged. Principal Balance as of Statement Doie: $9,724.91 IMPORTANT MESSAGES r Important notice regarding a recent change to our payment processing praciices: Beginning September 21 , 201 9, if an attempted payment is declined by your financial institution due io insufficient funds, we will make u second afiempt lo process the payment by submifling it again to your financial insfitu'ion. If you hove any questions or concerns, please do not hesitate to contact us. If you make a payment in an amount {hot exceeds the Total Amount Due and you would like to have the amount applied towards your next month's payment, please inform us o?Discover.com/Personal-Loans or call us at 1-877-256-2632. ACCOUNT ACTIVITY [TRANSACTION DETAILS DATE POSTED AMOUNT Payment by CCR-PHONE AGENT 08/26 $273.7] Total Payment Amounts Received -$273.7'l PAYMENT AMOUNTS Principal Paid: -$75.09 Interest Paid: $198.6? Late Fees Paid: $0.00 Please make checks payable to Discover” Personal Loans. Please do nol fold, clip or staple. Discovomom/Pencnulvloam [ Payment Coupon Pay Online G Pay by Phone Cristofer Ramirez 1804 Pine Hollow Cir .‘ Son Jose, CA 95133-1 727 g Phone and online payments nnmoled aher 5 PM ET will be credited the following day Address, c-moil or telephone changed? Note changes on veveue snde. 1-877-256-2632 See reverse side for impodanl information about your account. J Account Number: 904] .................................. 09/2L'9... H Now Amount Due shown in lhe Account Summary sedion above is recerved aher the Tolal Amoum Duo 8y dale, a $39 Late Fee will be charged Amount Enclosed: S l l Mail to: DISCOVER PERSONAL LOANS PO BOX 6105 CAROL STREAM, IL 60197-61 05 HIIIH'"!'l'l'l'lml"II'I'II'I""'IIIII'-ll'l'I-I'Il'l'fllll Crisfofer Ramirez CONTACT¥US l ‘ Visit us online, unyfime [ g Io access your accounl o! Dis:over.
