Preview
FILED: MADISON COUNTY CLERK 01/09/2023 04:07 PM INDEX NO. EF2023-1014
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 01/09/2023
EXHIBIT A
roca
FILED: MADISON COUNTY CLERK 01/09/2023 04:07 PM INDEX NO. EF2023-1014
NYSCEF DOC. NO. 2 RECEIVED NYSCEF:CM.TL28K.LIN.0620
01/09/2023
DISCOVER cARDMEMBER AGREEMENT
Thankyoufor choosingDiscover®
card.ThisAgreementexplainsthe currenttermsandconditionsof yourAccount.TheendosedPricingScheduleis part of this Agreement.Pleasereadthis Agreement,induding
"Definitions"
carefully.Keepthemfor your records.Contactusif you haveanyquestions.Wehaveindudeda
the PricingSchedule, sectionfor yourreferenceon page3.
ACCEPTANCE OF AGREEMENT
Youacceptthis Agreementif you do not cancelyourAccountwithin 30 daysafter receivinga Card.Youalsoacceptthis Agreementif youor an AuthorizedUserusethe
Disputes"
Account.Youmay,however,rejectthe "Arbitrationof
sectionasexplainedin that section.
CHANGES TO YOUR AGREEMENT
Therates,feesandtermsof this AgreementmaychangefNm timeto time.Wemayaddor deleteany termto thisAgreement.If requiredby law, we will giveyou advance
written noticeof the change(s)anda right to rejectthe change(s).Wewill notchargeany feeor interestchargeprohibitedby law.
USING YOUR ACCOUNT
Permitted Uses BalanceTransfersandCashAdvances.Youmaynot useit for illegaltransactions.
YoumayuseyourAccountfor Purchases,
Authorized Users You mayrequestadditionalCardsfor AuthorizedUsersto maketransactionsonyourAccount.Youmustnotify usif youwishto cancelthe authority of anAuthorizedUser
to useyourAccount.Youareresponsiblefor all chargesmadeby yourAuthorizedUsers.
joint Accounts If yourAccountis a joint Account
" eachof youagreesto be liable
individuallyandjointly for the entireamountowedon the Account;and
" noticewe
mailtoan providedby eitherof youfor the Accountwill serveasnoticeto both of you.
address
any
Checks Ifwe provideyouwith Checks,wewill tell youwhetherwewill treatthe Checkasa Purchase,BalanceTransferor CashAdvance.Youmay not usetheseChecksto payany
amountyou owe us.
Credit Authorizations We maynot authorizea transactionfor securityor otherreasons.Wewill not beliableto youif we declineto authorizea transactionor if anyonerefusesyour Card,Check
or Accountnumber.
Credit Lines We will tell you what your Accountcredit line is. You must keep your Account
for CashAdvances.We may increaseor decreaseyour Accountcreditline or your
CashAdvancecredit line without notice.We maydelayincreasingyour available
balancebelowyourAccountcredit line. If youdo not, we may requestimmediate
paymentof the amountbywhichyouexceedit.Wemayestablisha lowercreditline
credit by the amountof any paymentthat we receivefor up to 10 businessdays.
FEES(Seeyour Pricing Schedulefor AdditionalFees)
late Fee Wewill not chargea LateFeethefirst timeyoudo not makethe MinimumPayment
werenot chargeda LateFeeduringany of the prior six billing periods.Otherwise,
Dueby the PaymentDueDate.After that, if youdo not paythe MinimumPayment
the fee is $40.Thisfeewill neverexceedthe MinimumPaymentDuethat wasdue
Dueby the PaymentDueDate,we will chargeyoua LateFee.Thefee is $29,if you
immediatelypriorto the dateon whichthe fee wasassessed.
Returned PaymentFee any of the prior six billing periods.Otherwise,the fee is $40. Thisfee will never
If you makea paymentthat is not honored by your financial institution, we will
chargeyou a ReturnedPaymentFeeevenif the paymentis honoredafter we re-
exceedthe MinimumPaymentDuethat was due immediatelyprior to the date on
whichthe paymentwasretumedto us
submitit. Thefee is $29if you were not chargeda ReturnedPaymentFeeduring
ANNUAL PERCENTAGE RATES ("APRs") (Seeyour Pricing Schedulefor the APRsthat apply to your Account)
Variable APRs will take effect on the first day of the billing period that beginsduring the same
Your PricingSchedulemay indude variableAPRs.TheseAPRsare determinedby
addingthe numberof percentagepointsthat we spuify to the PrimeRate.Variable
calendarmonththat the PrimeRatechanges.An increasein the APRwill increase
APRswill increaseor decreasewhen the PrimeRatechanges.The APRchange
yourinterestchargesand may increaseyour MinimumPaymentDue.
Penalty APR None
MAKING PAYMENTS
" You must " We credit your paymentsin accordancewith
Payment Instructions pay in U.S.dollars. Pleasedo not send cash. Sendingcash is not the terms containedon your
allowed.All checksmustbedrawnon fundson depositin the U.S. billing statement.
" Youmust " If you mailyourpaymentto anaddressotherthanthe addressdesignatedonyour
payusfor all amountsdueonyourAccount.Thisincludeschargesmade
by AuthorizedUsers. billing statement,there may bea delayin processingand creditingthe payment
to yourAccount.
" We may refuseto accepta paymentin a foreigncurrency.If we do acceptit,
" If a third
we will chargeyourAccountour costto convertit to U.S.dollars. party makesa paymenton yourAccountand we returnall or a part of
" We can accept late payments, partial
payments or payments marked suchpayment,then we may adjustyour Accountfor any amountretumed.We
full" reservethe right to defendourselvesagainst any demandto return funds we
"payment in or withany other endorsement without
restrictive
ofourrights
underthis
Agreement. havereceived,and mayagreeto a compromiseof the demandedamountaspart
losing any
of a settlement.
Minimum PaymentDue for any debtprotectionproductthat youenrolledin on or after 2/1/2015;Interest
You may pay the entire New Balanceshown on your billing statementat any
Charges;and LateFees.
time. Eachbilling periodyou must pay at leastthe MinimumPaymentDueby the
PaymentDueDateshownon your billing statement.TheMinimumPaymentDue
The Minimum PaymentDue may also indude amounts by which you exceed
will beany amountpastdueplusthe greaterof: your Accountcredit line. However,it will neverexceedthe New Balance.When
" $35;or we calculatethe MinimumPaymentDue,we may subtractfrom the NewBalance
statement·
" 2% of the NewBalanceshownon your certainfeesaddedto yourAccountduringthe billing period.TheMinimumPayment
billing or
" $20, plus Dueis roundedup to the nearestdollar.
any of the following chargesas shownon your billing statement:fees
©2020DiscoverBank,MemberFDIC
FILED: MADISON COUNTY CLERK 01/09/2023 04:07 PM INDEX NO. EF2023-1014
NYSCEF
MAKING PAYMENTS
DOC. NO. 2 RECEIVED NYSCEF: 01/09/2023
How We Apply Payments We apply paymentsand credits at our discretion, induding in a mannermost
Eachbilling period, we will generallyapply amountsyou pay that exceedthe
favorableor convenientfor us.In all cases,we will apply paymentsandcreditsas
MinimumPaymentDueto balanceswith higher APRsbeforebalanceswith lower
requiredby applicablelaw. APRsasof the datewe credityourpayment.
INTEREST CHARGES
How We CalculateInterest " Wemakeotheradjustments
We calculate interest chargeseach billing period by first figuring the "daily
Interest" (indudingthoseadjustmentsrequiredin the "Paying
Charges-Dail Balance balance"
section).
for eachTransactionCategory.TransactionCategoriesindude standard
Met d (indumg current Purchases,standardCashAdvancesand different promotionalbalances,suchas
How We Figure Your Total Interest Charges
BalanceTransfers. " We
multiply the daily balancefor eachTransactionCategoryby its daily periodic
How We Figure the Daily Balancefor EachTransaction Category rate.Wedothisfor eachdayinthe billingperiod.Thisgivesustheinterestcharges
" We start with the for eachTransactionCategory.Toget a daily periodicrate,we dividetheAPRthat
beginningbalancefor eachday. The beginningbalancefor
appliesto the TransactionCategoryby 365.
the first day of the billing periodis yourbalanceon the last day of yourprevious
" Weadd up all the
billing period. daily interestcharges.The sumis the total interestchargefor
" Weadd the billing period.
any interestchargesaccruedon the previousday'sdaily balanceand any
newtransactionsandfees.Weadd anynewtransactionsor feesasof the laterof
How We Include Fees
the TransactionDateor the first day of the billing periodin whichthe transaction
We add BalanceTransferFeesto the applicable BalanceTransferTransaction
or fee postedto yourAccount. Category.WeaddCashAdvanceFeesto the applicableCashAdvanceTransaction
" Wesubtract
any newcreditsandpayments. Category.Weaddall otherfeesto the standardPurchaseTransactionCategory.
Paying Interest When Interest ChargesBegin NewPurchases.
NewPurchases
arePurchasesthat first appearon the next billing
statement.Interestwill continueto accrueeachdayon Purchases
We beginto imposeinterestchargeson a transaction,feeor interestchargefrom that appearedon
previousbilling statementsuntil you pay the New Balancein full andwill be billed
the day we add it to the daily balance.We continueto imposeinterestcharges
in the next billing cycle.
until you pay the total amountyou owe us. You can avoid paying interest on
Purchasesas described below. However,you cannotavoid paying intereston
How WeApply PaymentsMay ImpactYour Grace Period
BalanceTransfersor CashAdvances· If you do not pay your New Balancein full each month,then, dependingon the
How to Avoid Paying interest on Purchases("Grace Period") balanceto which we apply your payment,you may not get a graceperiod on
newPurchases.
If you pay the NewBalanceon your currentbilling statementby the PaymentDue
Date shown on that billing statement, we will not imposeinterestchargeson
OTHER IMPORTANT INFORMATION
Default Youarein defaultif: " youfail to complywith thetermsof thisAgreementor anyAgreementwith usor
" an Affiliate, indudingfailing to makea requiredpaymentwhen due,exceeding
youfile bankruptcyor anotherinsolvencyproceedingisfiled byyouor againstyou;
yourAccountcreditlineor usingyourCardor Accountfor an illegaltransaction.
" we havea reasonablebeliefthat youareunableor unwilling to repayyour
.
obligationsto us; If youarem default,we maydedaretheentirebalanceof yourAccountimmediately
dueandpayablewithout notice.
" youdie or are legallydedaredincompetentor incapacitated;
attomeys'
Collection Costs If we usean attomeyto collectyourAccount,we maychargeyouourlegalcostsaspermittedby law.Theseindudereasonable
fees,courtor othercollectioncosts,
andfeesandcostsof anyappeal.
Merchant Disputes If youhavea disputewith a merchant,you mayrequesta creditto yourAccount.If we resolvethedisputein yourfavor,wewill issuea creditto yourAccount.Youassignto us
yourdaimfor the creditedamountagainstthe merchantand/oranythird party.At our request,youagreeto providethisassignmentin writing.
Automatic Account Youmayset up automaticbillingor storeyourAccountinformationwith an Affiliate,
Accountinformationchanges,whichmayindudeyourbillingaddress,youauthorizeus
Information Updates merchant,wallet provider,or other third party ("PermittedParty").If you do, you
to providethisupdatedinformationto anysuchPermittedPartyat ourdiscretion.You
authorizeus to shareyour Accountinformation,which may indudeyour rewards
mustcontactthe PermittedPartydirectlyor removeyourcreditcardinformationfrom
accountbalance,with the PermittedParty,regardingthe useof yourAccount.If your
thePermittedPartywebsiteif youwishto stopautomaticbillingor Accountupdates.
Our Privacy Policy Wesendyouour PrivacyPolicywhenyouopenyourAccountandannually. " howwe safeguardits
confidentialityand security;
Contactusor visit Discover.com " whenit
if youwouldlikea copy.Pleasereadit carefully.maybesharedwith others;and
It summarizes: " howyoucanlimit our
sharingof this information.
" the personalinformationwe collect;
Credit Reporting Agency Youauthorizeusto get informationfromcreditreportingagenciesandothersources
normallyreporttocreditreportingagencies
eachmonth.Ifyoubelievethatinformation
Information for servicingor reviewof yourAccount,collectionandanyotherusepermittedby law,
we reportedis inaccurateor incomplete,pleasewrite usat Discover,P.0.Box30939,
indudingto consideryoufor otherproductsandservices.
WemayreportthestatusandSaltLakeCity,UT84130-0939.
Please
indudeyourname,address,homephonenumber
paymenthistoryof yourAccountto creditreportingagenciesandothercreditors.We
andAccountnumber.
Our Communications Youagreethat we, ourAffiliates,and agents,indudingserviceproviders("Authorized
Youagreethat the AuthorizedPartiesmaycontactyou usingan automaticdialeror
with You Parties")maycontactyou,indudingcalls,text message
or email,aboutanycurrentor
pre-recorded
voicemessage.If younolongerwishto becontactedonyourcellphone
futureaccountsor applications,with respectto all productsyouhavewith usat any
by an automateddialeror pre-recorded
voicemessage,you mustprovideuswritten
phonenumberor email(i) youhaveprovidedto us,(ii) fromwhichyoucontactedus,
noticecancelling
yourconsentat thisaddress:DiscoverBank,P.0.Box30937,SaltLake
or (iii) whichweobtainedandbelievewecanreachyouat, evenif yourphoneprovider
City,UT84130-0937.
Thewritten noticemustindude:your name,mailingaddress,
maychargeyoumessage
anddataratesforcallsortexts.YouagreethattheAuthorized
the lastfourdigitsof yourAccountnumberandthe specificcellphonenumber(s)for
Partiesmayrecordor monitoranycallsbetweenyouandtheAuthorizedParties.You
whichyouwouldliketo cancelyourconsentto be contactedby an automateddialer
agreeto notify usif youchangeor discontinueusingany phonenumberyouprovide.
or pre-recorded
voicemessage.
Unauthorized Use Youmust notify us immediatelyif: " youbelievesomeoneis usingyourAccountor a Cardwithout yourpermission.
" your Cardis lost or stolen;or
-2-
FILED: MADISON COUNTY CLERK 01/09/2023 04:07 PM INDEX NO. EF2023-1014
NYSCEF
CancellationDOC.
of NO. 2 " "
You maycancelyour Account.Youwill remainresponsiblefor any amountyou
RECEIVED NYSCEF: 01/09/2023
We maycancel,suspendor not renewyourAccountat any time without notice.
Your Account owe usunderthis Agreement.
"
Any joint Accountholdermay cancela joint Account.However,both of you will
remainresponsiblefor payingall amountsowed.
OTHER IMPORTANT INFORMATION
Purchasesand CashAdvances If you makea Purchaseor CashAdvancein a foreign currency,we will convert
dependingon the country and currencyin which the transactionis made.We
in Foreign Currencies it to U.S.dollars using a ratewe choose.Thisrate will either be a government-
usethe rate in effect on the conversiondate for the transaction.This rate may
mandatedrate, a government-publishedrate or the interbank exchangerate,
bedifferentthan the ratein effect on theTransactionDatefor the transaction.
Governing Law ThisAgreementis governedby applicablefederallaw and by Delawarelaw. However,in the eventyou defaultandwe file a lawsuitto recoverfundsloanedto you, the
statute."
statuteof limitationsof the statewherethe lawsuitis filed will apply,without regardto that state'sconflictsof lawsprinciplesor its "borrowing
"Arbitration"
Severability Exceptassetforth in the section,if any part of this Agreementis foundto be invalid,the restof it will still remainin effect.
Enforcing this Agreement We maydelayenforcingor not enforceanyof our rightsunderthis Agreementwithout losingor waivinganyof them.
Assignment of Account We maysell,assignor transferyourAccountor any portion of it without noticeto you.Youmaynot sell, assignor transferyourAccountwithout first obtainingour prior
written consent.
MILITARY BORROWERS
Statement of MAPR Federallaw providesimportantprotectionsto membersof the ArmedForcesand
credit transaction;(3) any applicationfee charged(otherthan certainapplication
their dependentsrelatingto extensionsof consumercredit. In general,the costof
feesfor specifiedcredit transactionsor accounts);and (4) any participationfee
consumercreditto a memberof the ArmedForcesand hisor herdependentmay
charged(otherthan certain participationfees for a credit card account).If you
not exceedan Annual PercentageRateof 36 percent.This rate must indude, as
would like more informationabout whether this sectionappliesto you, please
applicableto the credittransactionor account:(1)the costsassociatedwith credit
contactus at I-844-DF5-4Mil (I-844-337-4645)anytime24/7. If calling outside
insurancepremiums;(2) feesfor ancillary productssold in connectionwith the
the U.S.you cancontactusat +1-801-451-3730.
Oral Disclosures 8eforeagreeingto this Agreement,in orderto hearimportantdisdosuresandpaymentinformationaboutthis Agreement,pleasecall 1-844-DFS-4MIL
(1-844-337-4645)
anytime24/7.If callingoutsidethe U.S.youcancontactusat +1-801-451-3730.
CONTACT US
Unlesswe tellyou otherwise,you can notify us: " by phoneat 1-800-347-3085or " in writing to Discover,P.0.Box30943,SaltLakeCity,UT84130-0943.
Whenwriting, pleaseincludeyour name,address,homephonenumberandAccountnumber.Youmustcontactuswithin 15daysafter changingyouremailaddress,mailingaddressor phonenumber.
DEFINITIONS
"Account" "Check"
meansyourDiscovercardaccount. meansany checkwe sendto youto accessyourAccount.
"Affiliate" Schedule" Schedule,"
meansourparentcorporations,subsidiariesandaffiliates. "Pricing meansthe documententitled, "Pricing
whichliststhe APRsthat
User"
"Authorized applyto yourAccountandotherimportantinformation.
meansany personyouauthorizeto useyourAccountor a Card,whetheryou
Rate"
notify us ornot. "Prime meansthe highestrateof interestlistedasthe U.S.Primeratein the MoneyRates
Transfer" sectionof the onlineWallStreetJoumal(www.wsj.com)on the last businessday of the month.
"Balance meansa balancetransferredfromanothercreditorto yourAccount.
"Card" "Purchase"
meansthe useof yourAccountto purchaseor leasegoodsor servicesat
meansany oneor moreDiscovercardsissuedto youor someoneelsewith yourauthorization.
Advance" participatingmerchants.
"Cash meanstheuseof yourAccountfor:
"We," "us" "our"
and
" obtainingcashfrom participatingautomatedteller machines,financialinstitutionsor other referto DiscoverBank,the issuerof yourCard.
"You," "your""yours"
locations;and or referto youand any other person(s)who arealsocontractuallyliable
underthisAgreement.
" online gambling,or to purchase
lottery tickets,moneyorders,casinochips,foreigncurrencyor Date"
similaritems. "Transaction meansthe dateshownon your billing statementfor a transactionor fee.
ARBITRATION
Agreement to Arbitrate. In the eventof a disputebetweenyou
This arbitration agreementdoes not apply if, on the date you
relief.lf acourtdecidesthatapplicablelawpredudesenforcementof
andusarisingout of or relating to this Accountor the relationships
submit your Application or on the date we seek to
invoke anyof thisparagraph'slimitationsasto a particularClaimfor relief,
thenafter all appealsfromthat decisionhavebeenexhausted,that
resultingfromthis Accountor any other disputebetweenyou or
this arbitration agreement, you are a member of the Armed
Claim(andonlythat Claim)mustbeseveredfromthearbitrationand
us, induding, for example,a dispute basedon a federalor state
Forcesor a dependentof sucha membercoveredby the federal
statuteor localordinance("Claim"),eitheryou or we may choose maybe broughtin court. Onlya court, and not an arbitrator,shall
Lending Act.
Military Ifyou wouldlikemore information
determinethe validity,scope,andeffectof theClassActionWaiver.
to resolvethe Claimby binding arbitration, as describedbelow,
about whether you are covered by the Military Lending Act,
insteadof in court. Any Claim(exceptfor a Claimchallengingthe
please contact us
at Your Right to Go To Small Claims Court. We will not choose
1-844-DFS-4Mll (1-844-337-4645)or
to arbitrate any individual Claimyou bring in small Claimscourt
if you are calling from outside the U.S. at +1-801-451-3730.
validity or enforceabilityof this arbitration agreement,induding
the ClassAction Waiver)may be resolvedby binding arbitration or your state's equivalent court. However,if such a Claim is
CLASS ACTION WAlVER. ARBITRATIONMUST BE ON AN
if either siderequestsit. THISMEANSIF EITHERYOUORWE
INDIVIDUALBASIS.THISMEANSNEITHERYOUNORWE MAY removedor appealedto a different court, we may
transferred,
CHOOSE PARTY
NEITHER WillHAVETHERIGHTTO JOlN OR CONSOLIDATE CLAIMS IN ARBITRATIONBY OR then chooseto arbitrate.
ARBITRATION,
UTIGATESUCHCLAIMIN COURT
ORTOHAVEA JURYTRIALALSO AGAINSTOTHERCARDMEMBERS, OR LITIGATEIN COURTOR Law and Rules. This arbitration agreement is
Governing
DISCOVERYANDAPPEALRIGHTSARELIMITEDINARBITRATION. ARBITRATEANY CLAIMSAS A REPRESENTATIVE
OR MEMBER governedby the FederalArbitrationAct ("FAA").Arbitration must
S WA
Evenif all partieshaveopted to litigate a Claimin court, you or
EOMNM proceedonly with the AmericanArbitrationAssociation("AAA").
he arbitrator may award njunctiverelief only in favor of the
The rules for the arbitration will be those in this arbitration
we may elect arbitration with respect to any Claim made by
a new party or any new Claimslater assertedin that lawsuit. agreementand the proceduresof the AAA, but the rulesin this
r ve re lef
arrantedb hat party
ndivdua Cai T
a@a&n agreementd be Mowed 4 ere is hagreement
arbitratormay not award dass, representativeor publicinjunctive
.3.
FILED: MADISON COUNTY CLERK 01/09/2023 04:07 PM INDEX NO. EF2023-1014
ARBITRATION
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 01/09/2023
betweenthe agreementand the AAA's procedures.If the AAA's
Thearbitrator'sdecisionwill be final and binding exceptfor any
Other Beneficiaries of this Agreement. In additionto you and
reviewallowed by the FAA. However,if morethan $100,000was
procedureschangeafter the Caim is filed, the proceduresin effect us, the rights and duties describedin this arbitrationagreement
whenthe Claimwasfiled will apply. genuinelyin dispute,theneitheryouor we maychooseto appealto
apply to: our Affiliates and our and their officers, directorsand
a newpanelof threearbitrators.Theappellatepanelis completely
For a copy of the AAA's procedures,to file a Claimor for other employees;anythird party co-defendantof a Claimsubjectto this
free to acceptor rejectthe entireoriginal awardor any part of it.
arbitrationagreement;andalljoint Accountholders
andAuthorized
information, please contact the AAA at 1101 Laurel Oak Rd.,
Theappealmust be filed with AAA not later than 30 daysafter
Usersof yourAccount(s).
Voorhees,NJ08043,www.adr.org(1-877-495-4185).
. the originalaward issues.The appealingparty paysall appellate
Survival of
this Agreement. This arbitration agreementshall
If the AAA is completelyunavailable,and if you and we cannot survive·
costsunlessthe appellatepanel determinesotherwiseas part of
agreeon a substitute, then either you or we may requestthat a
its award "
courtwith jurisdictionappointa substitute . . dosing of yourAccount;
once a pecia ayment. Du havea daim, before
"
Feesand Costs. If Y°u wish to be9in arbitration a9ainst us but voluntarypaymentof yourAccountor anypart of it;
anarbitration
imtiating proceedmg,you maygiveuswntten notice
"
you cannotafford to pay the AAA'sor arbitrator's costs,we will any g proceedingsto collect moneyyou owe;
of the Claim("ClaimNotice") at least30 daysbeforeinitiating the
advancethosecostsif you askus in writing. Any requestlike this "
any bankruptcyby you; and
arbitrationpmceeding.TheClaimNoticemustindudeyour name,
should be sent to Discover,P.0. Box 30421, Salt Lake City, UT "
any saleby usof yourAccount.
address,andaccountnumberand explainin reasonabledetail the
84130-0421.If you lose the arbitration, the arbitratorwill decide
You Have the Right to Reject Arbitration
natureof theClaimandanysupportingfacts.AnyClaimNoticeshall for this Account.
whether you must reimburseus for moneywe advancedfor you
You may reject the arbitration
besentto usat Discover,P.0.Box794,Deerfield,It 60015(orsuch agreement but only if we
for the arbitration.If you win the arbitration, we wdl not askfor
receive from
otheraddressasweshallsubsequentlyprovideto you).If, and only you a writtennoticeofrejection
within
reimbursementof moneyweadvanced.Additionally,if youwin the
30 days of your receipt of the Card after your Account is
if, (1)yousubmita ClaimNoticein accordancewith this agreement
arbitration, the arbitrator may decidethat you are entitled to be
on yourown behalf(andnot on behalfof any other party);and (2)
opened. You must send the notice of rejection to: Discover,
attomeys'
reimbursedyour reasonable feesand costs(if actually
P.0. Box 30938, Salt Lake City, UT84130·0938.Yourrejection
an arbitrator,after finding in yourfavorin anyrespecton themerits
paid by you)·
of your Claim,issuesyou an awardthat (exdudingany arbitration
notice mustindudeyour name,address,phonenumber,Account
attomeys'
Hearings and Decisions. Arbitration hearingswill take placein
fees or numberandpersonalsignature.Nooneelsemaysignthe rejection
fees and costs awarded by the arbitrator) is
the federaljudicialdistrict whereyou live. A singlearbitratorwill notice for you. Yourrejection notice must not be sent with any
greaterthan the valueof Discover'slast written settlementoffer
beappointed.Thearbitratormust: other correspondence.Rejection of arbitration will
madebeforeanarbitratorwas selected,thenyouwill beentitledto not affect
" Followall applicablesubstantivelaw, exceptwhen contradicted your other rights or responsibilitiesunder this Agreement. If
the amountof the awardor $7,500,whicheveris greater.If youare
by the FAA; you reject arbitration, neither you nor we will be subjectto the
entitled to the $7,500,you will receivein addition any arbitration
attomeys'
" Followapplicablestatutesof limitations; feesor arbitration agreementfor this Account. Rejectionof arbitration
feesandcostsawardedby the arbitrator.
" HonorvalidClaimsof privilege. for this Accountwill not constituterejectionof any prior or future
Any arbitration award may be enforced (such as through a
arbitrationagreementbetweenyou andus.
" Issuea written decision judgment)in any courtwith jurisdiction.
indudingthe reasonsfor theaward.
Your Billina
Riahts: After we finish our investigation, one of two things will happen:
" If we madea mistake:Youwill not haveto
paytheamountin questionor anyinterestor otherfees
Keep This Document For FutureUse
relatedto that amount.
" If we do not believetherewasa m
Preview
FILED: MADISON COUNTY CLERK 01/09/2023 04:07 PM INDEX NO. EF2023-1014 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 01/09/2023 EXHIBIT A roca FILED: MADISON COUNTY CLERK 01/09/2023 04:07 PM INDEX NO. EF2023-1014 NYSCEF DOC. NO. 2 RECEIVED NYSCEF:CM.TL28K.LIN.0620 01/09/2023 DISCOVER cARDMEMBER AGREEMENT Thankyoufor choosingDiscover® card.ThisAgreementexplainsthe currenttermsandconditionsof yourAccount.TheendosedPricingScheduleis part of this Agreement.Pleasereadthis Agreement,induding "Definitions" carefully.Keepthemfor your records.Contactusif you haveanyquestions.Wehaveindudeda the PricingSchedule, sectionfor yourreferenceon page3. ACCEPTANCE OF AGREEMENT Youacceptthis Agreementif you do not cancelyourAccountwithin 30 daysafter receivinga Card.Youalsoacceptthis Agreementif youor an AuthorizedUserusethe Disputes" Account.Youmay,however,rejectthe "Arbitrationof sectionasexplainedin that section. CHANGES TO YOUR AGREEMENT Therates,feesandtermsof this AgreementmaychangefNm timeto time.Wemayaddor deleteany termto thisAgreement.If requiredby law, we will giveyou advance written noticeof the change(s)anda right to rejectthe change(s).Wewill notchargeany feeor interestchargeprohibitedby law. USING YOUR ACCOUNT Permitted Uses BalanceTransfersandCashAdvances.Youmaynot useit for illegaltransactions. YoumayuseyourAccountfor Purchases, Authorized Users You mayrequestadditionalCardsfor AuthorizedUsersto maketransactionsonyourAccount.Youmustnotify usif youwishto cancelthe authority of anAuthorizedUser to useyourAccount.Youareresponsiblefor all chargesmadeby yourAuthorizedUsers. joint Accounts If yourAccountis a joint Account " eachof youagreesto be liable individuallyandjointly for the entireamountowedon the Account;and " noticewe mailtoan providedby eitherof youfor the Accountwill serveasnoticeto both of you. address any Checks Ifwe provideyouwith Checks,wewill tell youwhetherwewill treatthe Checkasa Purchase,BalanceTransferor CashAdvance.Youmay not usetheseChecksto payany amountyou owe us. Credit Authorizations We maynot authorizea transactionfor securityor otherreasons.Wewill not beliableto youif we declineto authorizea transactionor if anyonerefusesyour Card,Check or Accountnumber. Credit Lines We will tell you what your Accountcredit line is. You must keep your Account for CashAdvances.We may increaseor decreaseyour Accountcreditline or your CashAdvancecredit line without notice.We maydelayincreasingyour available balancebelowyourAccountcredit line. If youdo not, we may requestimmediate paymentof the amountbywhichyouexceedit.Wemayestablisha lowercreditline credit by the amountof any paymentthat we receivefor up to 10 businessdays. FEES(Seeyour Pricing Schedulefor AdditionalFees) late Fee Wewill not chargea LateFeethefirst timeyoudo not makethe MinimumPayment werenot chargeda LateFeeduringany of the prior six billing periods.Otherwise, Dueby the PaymentDueDate.After that, if youdo not paythe MinimumPayment the fee is $40.Thisfeewill neverexceedthe MinimumPaymentDuethat wasdue Dueby the PaymentDueDate,we will chargeyoua LateFee.Thefee is $29,if you immediatelypriorto the dateon whichthe fee wasassessed. Returned PaymentFee any of the prior six billing periods.Otherwise,the fee is $40. Thisfee will never If you makea paymentthat is not honored by your financial institution, we will chargeyou a ReturnedPaymentFeeevenif the paymentis honoredafter we re- exceedthe MinimumPaymentDuethat was due immediatelyprior to the date on whichthe paymentwasretumedto us submitit. Thefee is $29if you were not chargeda ReturnedPaymentFeeduring ANNUAL PERCENTAGE RATES ("APRs") (Seeyour Pricing Schedulefor the APRsthat apply to your Account) Variable APRs will take effect on the first day of the billing period that beginsduring the same Your PricingSchedulemay indude variableAPRs.TheseAPRsare determinedby addingthe numberof percentagepointsthat we spuify to the PrimeRate.Variable calendarmonththat the PrimeRatechanges.An increasein the APRwill increase APRswill increaseor decreasewhen the PrimeRatechanges.The APRchange yourinterestchargesand may increaseyour MinimumPaymentDue. Penalty APR None MAKING PAYMENTS " You must " We credit your paymentsin accordancewith Payment Instructions pay in U.S.dollars. Pleasedo not send cash. Sendingcash is not the terms containedon your allowed.All checksmustbedrawnon fundson depositin the U.S. billing statement. " Youmust " If you mailyourpaymentto anaddressotherthanthe addressdesignatedonyour payusfor all amountsdueonyourAccount.Thisincludeschargesmade by AuthorizedUsers. billing statement,there may bea delayin processingand creditingthe payment to yourAccount. " We may refuseto accepta paymentin a foreigncurrency.If we do acceptit, " If a third we will chargeyourAccountour costto convertit to U.S.dollars. party makesa paymenton yourAccountand we returnall or a part of " We can accept late payments, partial payments or payments marked suchpayment,then we may adjustyour Accountfor any amountretumed.We full" reservethe right to defendourselvesagainst any demandto return funds we "payment in or withany other endorsement without restrictive ofourrights underthis Agreement. havereceived,and mayagreeto a compromiseof the demandedamountaspart losing any of a settlement. Minimum PaymentDue for any debtprotectionproductthat youenrolledin on or after 2/1/2015;Interest You may pay the entire New Balanceshown on your billing statementat any Charges;and LateFees. time. Eachbilling periodyou must pay at leastthe MinimumPaymentDueby the PaymentDueDateshownon your billing statement.TheMinimumPaymentDue The Minimum PaymentDue may also indude amounts by which you exceed will beany amountpastdueplusthe greaterof: your Accountcredit line. However,it will neverexceedthe New Balance.When " $35;or we calculatethe MinimumPaymentDue,we may subtractfrom the NewBalance statement· " 2% of the NewBalanceshownon your certainfeesaddedto yourAccountduringthe billing period.TheMinimumPayment billing or " $20, plus Dueis roundedup to the nearestdollar. any of the following chargesas shownon your billing statement:fees ©2020DiscoverBank,MemberFDIC FILED: MADISON COUNTY CLERK 01/09/2023 04:07 PM INDEX NO. EF2023-1014 NYSCEF MAKING PAYMENTS DOC. NO. 2 RECEIVED NYSCEF: 01/09/2023 How We Apply Payments We apply paymentsand credits at our discretion, induding in a mannermost Eachbilling period, we will generallyapply amountsyou pay that exceedthe favorableor convenientfor us.In all cases,we will apply paymentsandcreditsas MinimumPaymentDueto balanceswith higher APRsbeforebalanceswith lower requiredby applicablelaw. APRsasof the datewe credityourpayment. INTEREST CHARGES How We CalculateInterest " Wemakeotheradjustments We calculate interest chargeseach billing period by first figuring the "daily Interest" (indudingthoseadjustmentsrequiredin the "Paying Charges-Dail Balance balance" section). for eachTransactionCategory.TransactionCategoriesindude standard Met d (indumg current Purchases,standardCashAdvancesand different promotionalbalances,suchas How We Figure Your Total Interest Charges BalanceTransfers. " We multiply the daily balancefor eachTransactionCategoryby its daily periodic How We Figure the Daily Balancefor EachTransaction Category rate.Wedothisfor eachdayinthe billingperiod.Thisgivesustheinterestcharges " We start with the for eachTransactionCategory.Toget a daily periodicrate,we dividetheAPRthat beginningbalancefor eachday. The beginningbalancefor appliesto the TransactionCategoryby 365. the first day of the billing periodis yourbalanceon the last day of yourprevious " Weadd up all the billing period. daily interestcharges.The sumis the total interestchargefor " Weadd the billing period. any interestchargesaccruedon the previousday'sdaily balanceand any newtransactionsandfees.Weadd anynewtransactionsor feesasof the laterof How We Include Fees the TransactionDateor the first day of the billing periodin whichthe transaction We add BalanceTransferFeesto the applicable BalanceTransferTransaction or fee postedto yourAccount. Category.WeaddCashAdvanceFeesto the applicableCashAdvanceTransaction " Wesubtract any newcreditsandpayments. Category.Weaddall otherfeesto the standardPurchaseTransactionCategory. Paying Interest When Interest ChargesBegin NewPurchases. NewPurchases arePurchasesthat first appearon the next billing statement.Interestwill continueto accrueeachdayon Purchases We beginto imposeinterestchargeson a transaction,feeor interestchargefrom that appearedon previousbilling statementsuntil you pay the New Balancein full andwill be billed the day we add it to the daily balance.We continueto imposeinterestcharges in the next billing cycle. until you pay the total amountyou owe us. You can avoid paying interest on Purchasesas described below. However,you cannotavoid paying intereston How WeApply PaymentsMay ImpactYour Grace Period BalanceTransfersor CashAdvances· If you do not pay your New Balancein full each month,then, dependingon the How to Avoid Paying interest on Purchases("Grace Period") balanceto which we apply your payment,you may not get a graceperiod on newPurchases. If you pay the NewBalanceon your currentbilling statementby the PaymentDue Date shown on that billing statement, we will not imposeinterestchargeson OTHER IMPORTANT INFORMATION Default Youarein defaultif: " youfail to complywith thetermsof thisAgreementor anyAgreementwith usor " an Affiliate, indudingfailing to makea requiredpaymentwhen due,exceeding youfile bankruptcyor anotherinsolvencyproceedingisfiled byyouor againstyou; yourAccountcreditlineor usingyourCardor Accountfor an illegaltransaction. " we havea reasonablebeliefthat youareunableor unwilling to repayyour . obligationsto us; If youarem default,we maydedaretheentirebalanceof yourAccountimmediately dueandpayablewithout notice. " youdie or are legallydedaredincompetentor incapacitated; attomeys' Collection Costs If we usean attomeyto collectyourAccount,we maychargeyouourlegalcostsaspermittedby law.Theseindudereasonable fees,courtor othercollectioncosts, andfeesandcostsof anyappeal. Merchant Disputes If youhavea disputewith a merchant,you mayrequesta creditto yourAccount.If we resolvethedisputein yourfavor,wewill issuea creditto yourAccount.Youassignto us yourdaimfor the creditedamountagainstthe merchantand/oranythird party.At our request,youagreeto providethisassignmentin writing. Automatic Account Youmayset up automaticbillingor storeyourAccountinformationwith an Affiliate, Accountinformationchanges,whichmayindudeyourbillingaddress,youauthorizeus Information Updates merchant,wallet provider,or other third party ("PermittedParty").If you do, you to providethisupdatedinformationto anysuchPermittedPartyat ourdiscretion.You authorizeus to shareyour Accountinformation,which may indudeyour rewards mustcontactthe PermittedPartydirectlyor removeyourcreditcardinformationfrom accountbalance,with the PermittedParty,regardingthe useof yourAccount.If your thePermittedPartywebsiteif youwishto stopautomaticbillingor Accountupdates. Our Privacy Policy Wesendyouour PrivacyPolicywhenyouopenyourAccountandannually. " howwe safeguardits confidentialityand security; Contactusor visit Discover.com " whenit if youwouldlikea copy.Pleasereadit carefully.maybesharedwith others;and It summarizes: " howyoucanlimit our sharingof this information. " the personalinformationwe collect; Credit Reporting Agency Youauthorizeusto get informationfromcreditreportingagenciesandothersources normallyreporttocreditreportingagencies eachmonth.Ifyoubelievethatinformation Information for servicingor reviewof yourAccount,collectionandanyotherusepermittedby law, we reportedis inaccurateor incomplete,pleasewrite usat Discover,P.0.Box30939, indudingto consideryoufor otherproductsandservices. WemayreportthestatusandSaltLakeCity,UT84130-0939. Please indudeyourname,address,homephonenumber paymenthistoryof yourAccountto creditreportingagenciesandothercreditors.We andAccountnumber. Our Communications Youagreethat we, ourAffiliates,and agents,indudingserviceproviders("Authorized Youagreethat the AuthorizedPartiesmaycontactyou usingan automaticdialeror with You Parties")maycontactyou,indudingcalls,text message or email,aboutanycurrentor pre-recorded voicemessage.If younolongerwishto becontactedonyourcellphone futureaccountsor applications,with respectto all productsyouhavewith usat any by an automateddialeror pre-recorded voicemessage,you mustprovideuswritten phonenumberor email(i) youhaveprovidedto us,(ii) fromwhichyoucontactedus, noticecancelling yourconsentat thisaddress:DiscoverBank,P.0.Box30937,SaltLake or (iii) whichweobtainedandbelievewecanreachyouat, evenif yourphoneprovider City,UT84130-0937. Thewritten noticemustindude:your name,mailingaddress, maychargeyoumessage anddataratesforcallsortexts.YouagreethattheAuthorized the lastfourdigitsof yourAccountnumberandthe specificcellphonenumber(s)for Partiesmayrecordor monitoranycallsbetweenyouandtheAuthorizedParties.You whichyouwouldliketo cancelyourconsentto be contactedby an automateddialer agreeto notify usif youchangeor discontinueusingany phonenumberyouprovide. or pre-recorded voicemessage. Unauthorized Use Youmust notify us immediatelyif: " youbelievesomeoneis usingyourAccountor a Cardwithout yourpermission. " your Cardis lost or stolen;or -2- FILED: MADISON COUNTY CLERK 01/09/2023 04:07 PM INDEX NO. EF2023-1014 NYSCEF CancellationDOC. of NO. 2 " " You maycancelyour Account.Youwill remainresponsiblefor any amountyou RECEIVED NYSCEF: 01/09/2023 We maycancel,suspendor not renewyourAccountat any time without notice. Your Account owe usunderthis Agreement. " Any joint Accountholdermay cancela joint Account.However,both of you will remainresponsiblefor payingall amountsowed. OTHER IMPORTANT INFORMATION Purchasesand CashAdvances If you makea Purchaseor CashAdvancein a foreign currency,we will convert dependingon the country and currencyin which the transactionis made.We in Foreign Currencies it to U.S.dollars using a ratewe choose.Thisrate will either be a government- usethe rate in effect on the conversiondate for the transaction.This rate may mandatedrate, a government-publishedrate or the interbank exchangerate, bedifferentthan the ratein effect on theTransactionDatefor the transaction. Governing Law ThisAgreementis governedby applicablefederallaw and by Delawarelaw. However,in the eventyou defaultandwe file a lawsuitto recoverfundsloanedto you, the statute." statuteof limitationsof the statewherethe lawsuitis filed will apply,without regardto that state'sconflictsof lawsprinciplesor its "borrowing "Arbitration" Severability Exceptassetforth in the section,if any part of this Agreementis foundto be invalid,the restof it will still remainin effect. Enforcing this Agreement We maydelayenforcingor not enforceanyof our rightsunderthis Agreementwithout losingor waivinganyof them. Assignment of Account We maysell,assignor transferyourAccountor any portion of it without noticeto you.Youmaynot sell, assignor transferyourAccountwithout first obtainingour prior written consent. MILITARY BORROWERS Statement of MAPR Federallaw providesimportantprotectionsto membersof the ArmedForcesand credit transaction;(3) any applicationfee charged(otherthan certainapplication their dependentsrelatingto extensionsof consumercredit. In general,the costof feesfor specifiedcredit transactionsor accounts);and (4) any participationfee consumercreditto a memberof the ArmedForcesand hisor herdependentmay charged(otherthan certain participationfees for a credit card account).If you not exceedan Annual PercentageRateof 36 percent.This rate must indude, as would like more informationabout whether this sectionappliesto you, please applicableto the credittransactionor account:(1)the costsassociatedwith credit contactus at I-844-DF5-4Mil (I-844-337-4645)anytime24/7. If calling outside insurancepremiums;(2) feesfor ancillary productssold in connectionwith the the U.S.you cancontactusat +1-801-451-3730. Oral Disclosures 8eforeagreeingto this Agreement,in orderto hearimportantdisdosuresandpaymentinformationaboutthis Agreement,pleasecall 1-844-DFS-4MIL (1-844-337-4645) anytime24/7.If callingoutsidethe U.S.youcancontactusat +1-801-451-3730. CONTACT US Unlesswe tellyou otherwise,you can notify us: " by phoneat 1-800-347-3085or " in writing to Discover,P.0.Box30943,SaltLakeCity,UT84130-0943. Whenwriting, pleaseincludeyour name,address,homephonenumberandAccountnumber.Youmustcontactuswithin 15daysafter changingyouremailaddress,mailingaddressor phonenumber. DEFINITIONS "Account" "Check" meansyourDiscovercardaccount. meansany checkwe sendto youto accessyourAccount. "Affiliate" Schedule" Schedule," meansourparentcorporations,subsidiariesandaffiliates. "Pricing meansthe documententitled, "Pricing whichliststhe APRsthat User" "Authorized applyto yourAccountandotherimportantinformation. meansany personyouauthorizeto useyourAccountor a Card,whetheryou Rate" notify us ornot. "Prime meansthe highestrateof interestlistedasthe U.S.Primeratein the MoneyRates Transfer" sectionof the onlineWallStreetJoumal(www.wsj.com)on the last businessday of the month. "Balance meansa balancetransferredfromanothercreditorto yourAccount. "Card" "Purchase" meansthe useof yourAccountto purchaseor leasegoodsor servicesat meansany oneor moreDiscovercardsissuedto youor someoneelsewith yourauthorization. Advance" participatingmerchants. "Cash meanstheuseof yourAccountfor: "We," "us" "our" and " obtainingcashfrom participatingautomatedteller machines,financialinstitutionsor other referto DiscoverBank,the issuerof yourCard. "You," "your""yours" locations;and or referto youand any other person(s)who arealsocontractuallyliable underthisAgreement. " online gambling,or to purchase lottery tickets,moneyorders,casinochips,foreigncurrencyor Date" similaritems. "Transaction meansthe dateshownon your billing statementfor a transactionor fee. ARBITRATION Agreement to Arbitrate. In the eventof a disputebetweenyou This arbitration agreementdoes not apply if, on the date you relief.lf acourtdecidesthatapplicablelawpredudesenforcementof andusarisingout of or relating to this Accountor the relationships submit your Application or on the date we seek to invoke anyof thisparagraph'slimitationsasto a particularClaimfor relief, thenafter all appealsfromthat decisionhavebeenexhausted,that resultingfromthis Accountor any other disputebetweenyou or this arbitration agreement, you are a member of the Armed Claim(andonlythat Claim)mustbeseveredfromthearbitrationand us, induding, for example,a dispute basedon a federalor state Forcesor a dependentof sucha membercoveredby the federal statuteor localordinance("Claim"),eitheryou or we may choose maybe broughtin court. Onlya court, and not an arbitrator,shall Lending Act. Military Ifyou wouldlikemore information determinethe validity,scope,andeffectof theClassActionWaiver. to resolvethe Claimby binding arbitration, as describedbelow, about whether you are covered by the Military Lending Act, insteadof in court. Any Claim(exceptfor a Claimchallengingthe please contact us at Your Right to Go To Small Claims Court. We will not choose 1-844-DFS-4Mll (1-844-337-4645)or to arbitrate any individual Claimyou bring in small Claimscourt if you are calling from outside the U.S. at +1-801-451-3730. validity or enforceabilityof this arbitration agreement,induding the ClassAction Waiver)may be resolvedby binding arbitration or your state's equivalent court. However,if such a Claim is CLASS ACTION WAlVER. ARBITRATIONMUST BE ON AN if either siderequestsit. THISMEANSIF EITHERYOUORWE INDIVIDUALBASIS.THISMEANSNEITHERYOUNORWE MAY removedor appealedto a different court, we may transferred, CHOOSE PARTY NEITHER WillHAVETHERIGHTTO JOlN OR CONSOLIDATE CLAIMS IN ARBITRATIONBY OR then chooseto arbitrate. ARBITRATION, UTIGATESUCHCLAIMIN COURT ORTOHAVEA JURYTRIALALSO AGAINSTOTHERCARDMEMBERS, OR LITIGATEIN COURTOR Law and Rules. This arbitration agreement is Governing DISCOVERYANDAPPEALRIGHTSARELIMITEDINARBITRATION. ARBITRATEANY CLAIMSAS A REPRESENTATIVE OR MEMBER governedby the FederalArbitrationAct ("FAA").Arbitration must S WA Evenif all partieshaveopted to litigate a Claimin court, you or EOMNM proceedonly with the AmericanArbitrationAssociation("AAA"). he arbitrator may award njunctiverelief only in favor of the The rules for the arbitration will be those in this arbitration we may elect arbitration with respect to any Claim made by a new party or any new Claimslater assertedin that lawsuit. agreementand the proceduresof the AAA, but the rulesin this r ve re lef arrantedb hat party ndivdua Cai T a@a&n agreementd be Mowed 4 ere is hagreement arbitratormay not award dass, representativeor publicinjunctive .3. FILED: MADISON COUNTY CLERK 01/09/2023 04:07 PM INDEX NO. EF2023-1014 ARBITRATION NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 01/09/2023 betweenthe agreementand the AAA's procedures.If the AAA's Thearbitrator'sdecisionwill be final and binding exceptfor any Other Beneficiaries of this Agreement. In additionto you and reviewallowed by the FAA. However,if morethan $100,000was procedureschangeafter the Caim is filed, the proceduresin effect us, the rights and duties describedin this arbitrationagreement whenthe Claimwasfiled will apply. genuinelyin dispute,theneitheryouor we maychooseto appealto apply to: our Affiliates and our and their officers, directorsand a newpanelof threearbitrators.Theappellatepanelis completely For a copy of the AAA's procedures,to file a Claimor for other employees;anythird party co-defendantof a Claimsubjectto this free to acceptor rejectthe entireoriginal awardor any part of it. arbitrationagreement;andalljoint Accountholders andAuthorized information, please contact the AAA at 1101 Laurel Oak Rd., Theappealmust be filed with AAA not later than 30 daysafter Usersof yourAccount(s). Voorhees,NJ08043,www.adr.org(1-877-495-4185). . the originalaward issues.The appealingparty paysall appellate Survival of this Agreement. This arbitration agreementshall If the AAA is completelyunavailable,and if you and we cannot survive· costsunlessthe appellatepanel determinesotherwiseas part of agreeon a substitute, then either you or we may requestthat a its award " courtwith jurisdictionappointa substitute . . dosing of yourAccount; once a pecia ayment. Du havea daim, before " Feesand Costs. If Y°u wish to be9in arbitration a9ainst us but voluntarypaymentof yourAccountor anypart of it; anarbitration imtiating proceedmg,you maygiveuswntten notice " you cannotafford to pay the AAA'sor arbitrator's costs,we will any g proceedingsto collect moneyyou owe; of the Claim("ClaimNotice") at least30 daysbeforeinitiating the advancethosecostsif you askus in writing. Any requestlike this " any bankruptcyby you; and arbitrationpmceeding.TheClaimNoticemustindudeyour name, should be sent to Discover,P.0. Box 30421, Salt Lake City, UT " any saleby usof yourAccount. address,andaccountnumberand explainin reasonabledetail the 84130-0421.If you lose the arbitration, the arbitratorwill decide You Have the Right to Reject Arbitration natureof theClaimandanysupportingfacts.AnyClaimNoticeshall for this Account. whether you must reimburseus for moneywe advancedfor you You may reject the arbitration besentto usat Discover,P.0.Box794,Deerfield,It 60015(orsuch agreement but only if we for the arbitration.If you win the arbitration, we wdl not askfor receive from otheraddressasweshallsubsequentlyprovideto you).If, and only you a writtennoticeofrejection within reimbursementof moneyweadvanced.Additionally,if youwin the 30 days of your receipt of the Card after your Account is if, (1)yousubmita ClaimNoticein accordancewith this agreement arbitration, the arbitrator may decidethat you are entitled to be on yourown behalf(andnot on behalfof any other party);and (2) opened. You must send the notice of rejection to: Discover, attomeys' reimbursedyour reasonable feesand costs(if actually P.0. Box 30938, Salt Lake City, UT84130·0938.Yourrejection an arbitrator,after finding in yourfavorin anyrespecton themerits paid by you)· of your Claim,issuesyou an awardthat (exdudingany arbitration notice mustindudeyour name,address,phonenumber,Account attomeys' Hearings and Decisions. Arbitration hearingswill take placein fees or numberandpersonalsignature.Nooneelsemaysignthe rejection fees and costs awarded by the arbitrator) is the federaljudicialdistrict whereyou live. A singlearbitratorwill notice for you. Yourrejection notice must not be sent with any greaterthan the valueof Discover'slast written settlementoffer beappointed.Thearbitratormust: other correspondence.Rejection of arbitration will madebeforeanarbitratorwas selected,thenyouwill beentitledto not affect " Followall applicablesubstantivelaw, exceptwhen contradicted your other rights or responsibilitiesunder this Agreement. If the amountof the awardor $7,500,whicheveris greater.If youare by the FAA; you reject arbitration, neither you nor we will be subjectto the entitled to the $7,500,you will receivein addition any arbitration attomeys' " Followapplicablestatutesof limitations; feesor arbitration agreementfor this Account. Rejectionof arbitration feesandcostsawardedby the arbitrator. " HonorvalidClaimsof privilege. for this Accountwill not constituterejectionof any prior or future Any arbitration award may be enforced (such as through a arbitrationagreementbetweenyou andus. " Issuea written decision judgment)in any courtwith jurisdiction. indudingthe reasonsfor theaward. Your Billina Riahts: After we finish our investigation, one of two things will happen: " If we madea mistake:Youwill not haveto paytheamountin questionor anyinterestor otherfees Keep This Document For FutureUse relatedto that amount. " If we do not believetherewasa m