Preview
FILED: CLINTON COUNTY CLERK 08/09/2023 01:32 PM INDEX NO. 2023-00023499
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 08/09/2023
DISCOVER IT® CARD ENDING IN 3702
CARDMEMBER SINCE 2013
Account Summary 03/07/2023 - 03/31/2023 Payment Information
Previous Balance $10,718.39 New Balance Minimum Payment Payment Due Date
Payments and Credits -$10,718.39 $
0.00 $
1,905.41 04/26/2023
Purchases +$0.00
Balance Transfers +$0.00 Late Payment Warning: If we do not receive your minimum payment by the date
Cash Advances +$0.00 listed above, you may have to pay a late fee of up to $41.00.
Fees Charged +$0.00
Interest Charged +$0.00
New Balance: $0.00
See Interest Charge Calculationsection following the Fees and
Interest Charged section for detailed APR information
Credit Line $9,800
Credit Line Available $0
Cash Advance Credit Line $2,500
Cash Advance Credit Line Available $0
Your FICO® Score is unavailable. Log in at Discover.com/FICO or
contact us at 1-800-347-2683 to learn more.
New York Residents: For more information call us at 1-800-
347-2683. You may contact the New York State Department of
Financial Services at 1-800-342-3736 or visit www.dfs.ny.gov for
free information on comparative credit card rates, fees and grace
periods.
Notice: See reverse side for important information
Payment Coupon ACCOUNT NUMBER ENDING IN 3702
Detach at perforation above and return with check payable to $
New Balance 0.00
Discover. Do not fold, clip, staple or send cash.
$
Minimum Payment Due 1,905.41
Payment Due Date 04/26/2023
Amount Enclosed $
JEREMY W DAVIS
301 BEAR SWAMP RD
PERU NY 12972-4908
PO BOX 6103
CAROL STREAM IL 60197-6103
New address, email or phone? Please update on reverse.
000001986459654362528000000000000000190541
FILED: CLINTON COUNTY CLERK 08/09/2023 01:32 PM INDEX NO. 2023-00023499
DISCOVER IT®
CARD
NYSCEF DOC. ENDING
NO. 2 IN 3702 Page 2 of 4
RECEIVED NYSCEF: 08/09/2023
JEREMY W DAVIS OPEN TO CLOSE DATE: 03/07/2023 - 03/31/2023
Important Information Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar
See your Cardmember Agreement. Your Cardmember Agreement contains all the amount, or (iv) other dollar amount. If your scheduled "Other dollar amount"
terms of your Account. payment is not enough to cover the Minimum Payment Due as listed on your monthly
billing statement, your scheduled payment for that month will be increased to cover
Lost or Stolen Cards. Report immediately! Call 1-800-347-2683. the Minimum Payment Due. If the scheduled payment is greater than the Minimum
Payment Due, any excess will be applied in accordance with your Cardmember
What To Do If You Think You Find A Mistake On Your Statement: If you think there is Agreement. If your scheduled payment is greater than the New Balance on your billing
an error on your statement, write to us at Discover, PO Box 30421, Salt Lake City, UT statement, that payment will be processed only for the amount of your New Balance.
84130-0421, or submit the form provided at https://discover.com/billingerrornotice. Your automatic payment amount may be less than the amount indicated on the billing
You must contact us within 60 days after the error appeared on your statement. You statement based on credits or payments after the Close Date.
may call us, but if you do we are not required to investigate any potential errors, and
you may have to pay the amount in question. The Billing Rights Notice further If you enroll by phone in our automatic payment service, please fill-in the following
explains your rights. Please see your Cardmember Agreement or visit blanks below and retain the authorizationfor your records.
https://discover.com/billingrights for a copy of this Notice.
Amount
Payments. You may pay all or part of your Account balance at any time. However, you Full Pay ________________________ Min Pay _________________________
must pay at least the Minimum Payment Due by the Payment Due Date. Send only Min Pay+ $______________________ Other Amount $ __________________
your allowable form of payment ("Payment") and the bottom portion of this statement
in the envelope provided, after affixing postage. Payments sent without proper Bank Routing #________________________________________________________
postage will be returned to the sender. If you pay by check, you authorize us to use Bank Account #________________________________________________________
informationon your check to make an electronic fund transfer from your account at Monthly on the Payment Due Date, or ______ Day of the month (INSERT DATE)
the financial institution indicated on your check or to process the payment as a check
transaction. If a Payment is processed as an electronic fund transfer, the transfer will Credit Reporting. Credit Reporting. We may report information about your Account to
be for the amount of the check, funds may be withdrawn from your account as soon credit bureaus. Late payments, missed payments, or other defaults on your Account
as the same day we receive your check, and you will not receive your check back. may be reflected in your credit report. We normally report the status and payment
history of your Account to credit reporting agencies each month. If you believe that
Please do not send cash. Sending cash is not allowed. The processing of your our report is inaccurate or incomplete, please write us at this address: Discover, PO
allowable form of Payment may be delayed if you send cash or correspondence with
Box 30939, Salt Lake City, UT 84130-0939. Please include your name, address,
your Payments, if you send the Payment to any other address, or if you use an home telephone number and Account number.
envelope other than the one provided. Payments received at our processing facility
by 5PM local time on any day will be credited to your Account as of that day. Paying Interest. Your due date is at least 25 days after the close of each billing period
Payments received at our processing facility after 5PM local time will be credited to (at least 23 days for billing periods that begin in February). We will begin charging
your Account as of the next day. If you have misplaced your envelope, send your interest on Cash Advances and Balance Transfers as of the later of the Transaction
Payment to Discover, PO Box 6103, Carol Stream, IL 60197-6103. Please allow 7-10 Date or the first day of the billing period in which the transaction posted to your
days for delivery. If your Payment is returned unpaid, we reserve the right to resubmit Account. If you pay the New Balance on your current billing statement by the Payment
it as an electronic debit. Payments made online or by phone before Midnight Eastern Due Date shown on that billing statement, we will not impose interest charges on
Time on any day except your Statement Closing Date will be credited as of the same New Purchases. New Purchases are Purchases that first appear on the next billing
day; on your Statement Closing Date, online and phone payments must be made statement. Interest will continue to accrue each day on purchases that appeared on
before 5:00 PM Eastern Time to be credited as of that day. previous billing statements until you pay the New Balance in full and will be billed in
You can also make a Payment or set up automatic payments by calling 1-800-347- the next billing cycle.
2683. Automatic payments for the billing period shown on your statement will be How We Calculate Interest Charges. We Use the Daily Balance Method (including
deducted on the Payment Due Date shown on that statement, or the next automatic current transactions) to calculate the Balance Subject to Interest Rate. For more
payment date referred to on your statement, unless you request a recurring payment information, please call us at 1-800-347-2683.
date that occurs before your Payment Due Date. In order to schedule monthly
payments by telephone, you will need this statement and your bank account Balance Subject To Interest Rate. Your statement shows a Balance Subject to Interest
information. You will be asked to provide the last four (4) digits of the social security Rate. It shows this for each transaction category. The Balance Subject to Interest Rate
number of the primary borrower as your electronic signature. By providing those is the average of the daily balances during the billing period.
numbers, you will be agreeing to this authorization to allow us and your bank to
deduct each payment you authorize, in the amount selected by you, from your bank Credit Balances. If your Account has a credit balance, the amount is shown on the
account. You also authorize us to initiate debit or credit entries to your bank account, front of your billing statement. A credit balance is money that is owed to you. You may
as applicable, to correct an error in the processing of such payment. You can cancel make charges against this amount if your Account is open. We will send you a refund
or modify a payment from your bank account until 5:00 PM Eastern Time on the day of any remaining balance of $1.00 or more after 6 months, or as otherwise required
such payment is scheduled by calling 1-800-347-2683 or by mail at Discover, PO Box by applicable law, or upon request made to the address in the Contact Us section on
30421, Salt Lake City, UT 84130-0421. Same day online or phone payments from page 3 of your billing statement.
bank account made after 5:00 PM Eastern Time may be modified before Midnight
Eastern Time of that day. Payments from Cashback Bonus cannot be modified or Balance Transfers. Balance Transfers are offered at our discretion and accrue interest
cancelled after being made or scheduled. at the standard purchase rate unless we tell you otherwise.
If your payments may vary in amount, we will tell you on each monthly billing Discover may monitor and/or record telephone calls between you and Discover
statement when your payment will be made and how much it will be. You must ensure representatives for quality assurance purposes.
that sufficient funds are available in your bank account, and all transactions must
comply with U.S. law. Send inquiries to Discover, PO Box 30943, Salt Lake City, UT 84130
You can set up automatic payments for: (i) statement New Balance, (ii) statement The Discover® card is issued by Discover Bank, Member FDIC.
DIT23-27.0420
Change of Address
If correct on front, do not use. To make changes to your address, email or telephone number, please print clearly in blue or black ink, in the space provided or visit Discover.com.
Street Address Home Phone
Work Phone
City Email
State, Zip
FILED: CLINTON COUNTY CLERK 08/09/2023 01:32 PM INDEX NO. 2023-00023499
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 08/09/2023
ONLINE PHONE PAYMENTS Page 3 of 4
Discover.com or 1-800-347-2683 Discover DISCOVER IT® CARD ENDING IN 3702
download our app TDD 1-800-347-7449 PO Box 6103 OPEN TO CLOSE DATE: 03/07/2023 - 03/31/2023
Carol Stream
IL 60197-6103
Transactions Cashback Bonus® Rewards
TRANS. PREVIOUS BALANCE $0.00
DATE PAYMENTS AND CREDITS AMOUNT
EARNED THIS PERIOD +$0.00
03/07 CASHBACK BONUS STATEMENT CREDIT -$4.59 REDEEMED THIS PERIOD -$0.00
03/31 INTERNAL CHARGE-OFF -$10,713.80
CASHBACK BONUS BALANCE $0.00
Fees and Interest Charged
TOTAL FEES FOR THIS PERIOD $0.00
TOTAL INTEREST FOR THIS PERIOD $0.00
2023 TOTALS YEAR-TO-DATE CHARGED AMOUNT
TOTAL FEES CHARGED IN 2023 $123.00
TOTAL INTEREST CHARGED IN 2023 $494.55
Interest Charge Calculation
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
CURRENT BILLING PERIOD: 25 DAYS
PROMO BALANCE SUBJECT INTEREST
TYPE OF BALANCE APR* APR EXPIRES** TO INTEREST RATE CHARGE
Purchases 19.49% V N/A $0.00 $0.00
Cash Advances 29.49% V N/A $0.00 $0.00
V = VARIABLE RATE
Variable APRs will not exceed 29.99%.
* If your account is currently enrolled in a special program or is placed into one during the term of the offer, you will
receive the benefit of the lower rate while the special program is in effect. This includes, if applicable, any lower
rates as authorized under the Servicemembers Civil Relief Act.
** This is the date your promotional rate expires and the remaining balance will be moved to your standard APR
disclosed when you accepted the offer. Please note: Changing your payment due date may change your Promo APR
Expiration Date.
*** For more information, please call us at 1-800-347-2683.
Information For You
Your Billing Rights: Keep This Document For Future Use
This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.
What To Do If You Find A Mistake On Your Statement
If you think there is an error on your statement, write to us at:
Discover
P.O. Box 30421
Salt Lake City, UT 84130-0421.
You may also contact us on the Web: https://discover.com/billingerrornotice
In your letter or on the Web, please give us the following information:
- Account information: Your name and account number.
- Dollar amount: The dollar amount of the suspected error.
- Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.
You must contact us:
- Within 60 days after the error appeared on your statement.
- By 5:00 P.M. ET on the date an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. You must notify us of any
potential errors in writing or electronically. You may call us, but if you do we are not necessarily required to investigate any potential errors and you may have to
pay the amount in question.
What Will Happen After We Receive Your Letter or Web Submission
When we receive your written or electronic notice, we must do two things:
1. Within 30 days of receiving your notice, we must tell you that we received it. We will also tell you if we have already corrected the error.
Continued on next page
FILED: CLINTON COUNTY CLERK 08/09/2023 01:32 PM INDEX NO. 2023-00023499
DISCOVER IT®
CARD
NYSCEF DOC. ENDING
NO. 2 IN 3702 Page 4 of 4
RECEIVED NYSCEF: 08/09/2023
JEREMY W DAVIS OPEN TO CLOSE DATE: 03/07/2023 - 03/31/2023
Information For You continued
2. Within 90 days of receiving your notice, we must either correct the error or explain to you why we believe the bill is correct.
While we investigate whether or not there has been an error:
- We cannot try to collect the amount in question, or report you as delinquent on that amount.
- The charge in question may continue to appear on your statement.
- While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
- We can apply any unpaid amount against your credit limit.
After we finish our investigation, one of two things will happen:
- If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.
- If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of
the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.
If you receive our explanation but still believe your bill is wrong, you must write to us (or visit https://discover.com/billingerrornotice) within 10 days telling us
that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of
anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us.
If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.
Your Rights If You Are Dissatisfied With Your Credit Card Purchases
If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the
merchant, you may have the right not to pay the remaining amount due on the purchase.
To use this right, all of the following must be true:
1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than
$50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the
goods or services.)
2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card
account do not qualify.
If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing or electronically at:
Discover
P.O. Box 30945
Salt Lake City, UT 84130-0945
https://discover.com/billingerrornotice
While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that
point, if we think you owe an amount and you do not pay, we may report you as delinquent.
Availability of FICO® Credit Score
As an active cardmember, you may see your FICO® Credit Score on your monthly statement or online. Reasons why you may not see your FICO® Credit Score
include: if you opt out; if you have key information that is mismatched or missing, as one example, an address change that has not been updated with Discover
or TransUnion; if your credit history is too new; if your account status is abandoned, bankrupt, fraud, lost or stolen, closed, revoked, or charged off; if you have a
foreign address. Your FICO® Score is disclosed on statements when your statement is available. You may not receive a statement if you have no account activity
such as no purchase transactions, fees, interest, or payments for approximately 30 days.
FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.
Preview
FILED: CLINTON COUNTY CLERK 08/09/2023 01:32 PM INDEX NO. 2023-00023499 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 08/09/2023 DISCOVER IT® CARD ENDING IN 3702 CARDMEMBER SINCE 2013 Account Summary 03/07/2023 - 03/31/2023 Payment Information Previous Balance $10,718.39 New Balance Minimum Payment Payment Due Date Payments and Credits -$10,718.39 $ 0.00 $ 1,905.41 04/26/2023 Purchases +$0.00 Balance Transfers +$0.00 Late Payment Warning: If we do not receive your minimum payment by the date Cash Advances +$0.00 listed above, you may have to pay a late fee of up to $41.00. Fees Charged +$0.00 Interest Charged +$0.00 New Balance: $0.00 See Interest Charge Calculationsection following the Fees and Interest Charged section for detailed APR information Credit Line $9,800 Credit Line Available $0 Cash Advance Credit Line $2,500 Cash Advance Credit Line Available $0 Your FICO® Score is unavailable. Log in at Discover.com/FICO or contact us at 1-800-347-2683 to learn more. New York Residents: For more information call us at 1-800- 347-2683. You may contact the New York State Department of Financial Services at 1-800-342-3736 or visit www.dfs.ny.gov for free information on comparative credit card rates, fees and grace periods. Notice: See reverse side for important information Payment Coupon ACCOUNT NUMBER ENDING IN 3702 Detach at perforation above and return with check payable to $ New Balance 0.00 Discover. Do not fold, clip, staple or send cash. $ Minimum Payment Due 1,905.41 Payment Due Date 04/26/2023 Amount Enclosed $ JEREMY W DAVIS 301 BEAR SWAMP RD PERU NY 12972-4908 PO BOX 6103 CAROL STREAM IL 60197-6103 New address, email or phone? Please update on reverse. 000001986459654362528000000000000000190541 FILED: CLINTON COUNTY CLERK 08/09/2023 01:32 PM INDEX NO. 2023-00023499 DISCOVER IT® CARD NYSCEF DOC. ENDING NO. 2 IN 3702 Page 2 of 4 RECEIVED NYSCEF: 08/09/2023 JEREMY W DAVIS OPEN TO CLOSE DATE: 03/07/2023 - 03/31/2023 Important Information Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar See your Cardmember Agreement. Your Cardmember Agreement contains all the amount, or (iv) other dollar amount. If your scheduled "Other dollar amount" terms of your Account. payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover Lost or Stolen Cards. Report immediately! Call 1-800-347-2683. the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember What To Do If You Think You Find A Mistake On Your Statement: If you think there is Agreement. If your scheduled payment is greater than the New Balance on your billing an error on your statement, write to us at Discover, PO Box 30421, Salt Lake City, UT statement, that payment will be processed only for the amount of your New Balance. 84130-0421, or submit the form provided at https://discover.com/billingerrornotice. Your automatic payment amount may be less than the amount indicated on the billing You must contact us within 60 days after the error appeared on your statement. You statement based on credits or payments after the Close Date. may call us, but if you do we are not required to investigate any potential errors, and you may have to pay the amount in question. The Billing Rights Notice further If you enroll by phone in our automatic payment service, please fill-in the following explains your rights. Please see your Cardmember Agreement or visit blanks below and retain the authorizationfor your records. https://discover.com/billingrights for a copy of this Notice. Amount Payments. You may pay all or part of your Account balance at any time. However, you Full Pay ________________________ Min Pay _________________________ must pay at least the Minimum Payment Due by the Payment Due Date. Send only Min Pay+ $______________________ Other Amount $ __________________ your allowable form of payment ("Payment") and the bottom portion of this statement in the envelope provided, after affixing postage. Payments sent without proper Bank Routing #________________________________________________________ postage will be returned to the sender. If you pay by check, you authorize us to use Bank Account #________________________________________________________ informationon your check to make an electronic fund transfer from your account at Monthly on the Payment Due Date, or ______ Day of the month (INSERT DATE) the financial institution indicated on your check or to process the payment as a check transaction. If a Payment is processed as an electronic fund transfer, the transfer will Credit Reporting. Credit Reporting. We may report information about your Account to be for the amount of the check, funds may be withdrawn from your account as soon credit bureaus. Late payments, missed payments, or other defaults on your Account as the same day we receive your check, and you will not receive your check back. may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that Please do not send cash. Sending cash is not allowed. The processing of your our report is inaccurate or incomplete, please write us at this address: Discover, PO allowable form of Payment may be delayed if you send cash or correspondence with Box 30939, Salt Lake City, UT 84130-0939. Please include your name, address, your Payments, if you send the Payment to any other address, or if you use an home telephone number and Account number. envelope other than the one provided. Payments received at our processing facility by 5PM local time on any day will be credited to your Account as of that day. Paying Interest. Your due date is at least 25 days after the close of each billing period Payments received at our processing facility after 5PM local time will be credited to (at least 23 days for billing periods that begin in February). We will begin charging your Account as of the next day. If you have misplaced your envelope, send your interest on Cash Advances and Balance Transfers as of the later of the Transaction Payment to Discover, PO Box 6103, Carol Stream, IL 60197-6103. Please allow 7-10 Date or the first day of the billing period in which the transaction posted to your days for delivery. If your Payment is returned unpaid, we reserve the right to resubmit Account. If you pay the New Balance on your current billing statement by the Payment it as an electronic debit. Payments made online or by phone before Midnight Eastern Due Date shown on that billing statement, we will not impose interest charges on Time on any day except your Statement Closing Date will be credited as of the same New Purchases. New Purchases are Purchases that first appear on the next billing day; on your Statement Closing Date, online and phone payments must be made statement. Interest will continue to accrue each day on purchases that appeared on before 5:00 PM Eastern Time to be credited as of that day. previous billing statements until you pay the New Balance in full and will be billed in You can also make a Payment or set up automatic payments by calling 1-800-347- the next billing cycle. 2683. Automatic payments for the billing period shown on your statement will be How We Calculate Interest Charges. We Use the Daily Balance Method (including deducted on the Payment Due Date shown on that statement, or the next automatic current transactions) to calculate the Balance Subject to Interest Rate. For more payment date referred to on your statement, unless you request a recurring payment information, please call us at 1-800-347-2683. date that occurs before your Payment Due Date. In order to schedule monthly payments by telephone, you will need this statement and your bank account Balance Subject To Interest Rate. Your statement shows a Balance Subject to Interest information. You will be asked to provide the last four (4) digits of the social security Rate. It shows this for each transaction category. The Balance Subject to Interest Rate number of the primary borrower as your electronic signature. By providing those is the average of the daily balances during the billing period. numbers, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank Credit Balances. If your Account has a credit balance, the amount is shown on the account. You also authorize us to initiate debit or credit entries to your bank account, front of your billing statement. A credit balance is money that is owed to you. You may as applicable, to correct an error in the processing of such payment. You can cancel make charges against this amount if your Account is open. We will send you a refund or modify a payment from your bank account until 5:00 PM Eastern Time on the day of any remaining balance of $1.00 or more after 6 months, or as otherwise required such payment is scheduled by calling 1-800-347-2683 or by mail at Discover, PO Box by applicable law, or upon request made to the address in the Contact Us section on 30421, Salt Lake City, UT 84130-0421. Same day online or phone payments from page 3 of your billing statement. bank account made after 5:00 PM Eastern Time may be modified before Midnight Eastern Time of that day. Payments from Cashback Bonus cannot be modified or Balance Transfers. Balance Transfers are offered at our discretion and accrue interest cancelled after being made or scheduled. at the standard purchase rate unless we tell you otherwise. If your payments may vary in amount, we will tell you on each monthly billing Discover may monitor and/or record telephone calls between you and Discover statement when your payment will be made and how much it will be. You must ensure representatives for quality assurance purposes. that sufficient funds are available in your bank account, and all transactions must comply with U.S. law. Send inquiries to Discover, PO Box 30943, Salt Lake City, UT 84130 You can set up automatic payments for: (i) statement New Balance, (ii) statement The Discover® card is issued by Discover Bank, Member FDIC. DIT23-27.0420 Change of Address If correct on front, do not use. To make changes to your address, email or telephone number, please print clearly in blue or black ink, in the space provided or visit Discover.com. Street Address Home Phone Work Phone City Email State, Zip FILED: CLINTON COUNTY CLERK 08/09/2023 01:32 PM INDEX NO. 2023-00023499 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 08/09/2023 ONLINE PHONE PAYMENTS Page 3 of 4 Discover.com or 1-800-347-2683 Discover DISCOVER IT® CARD ENDING IN 3702 download our app TDD 1-800-347-7449 PO Box 6103 OPEN TO CLOSE DATE: 03/07/2023 - 03/31/2023 Carol Stream IL 60197-6103 Transactions Cashback Bonus® Rewards TRANS. PREVIOUS BALANCE $0.00 DATE PAYMENTS AND CREDITS AMOUNT EARNED THIS PERIOD +$0.00 03/07 CASHBACK BONUS STATEMENT CREDIT -$4.59 REDEEMED THIS PERIOD -$0.00 03/31 INTERNAL CHARGE-OFF -$10,713.80 CASHBACK BONUS BALANCE $0.00 Fees and Interest Charged TOTAL FEES FOR THIS PERIOD $0.00 TOTAL INTEREST FOR THIS PERIOD $0.00 2023 TOTALS YEAR-TO-DATE CHARGED AMOUNT TOTAL FEES CHARGED IN 2023 $123.00 TOTAL INTEREST CHARGED IN 2023 $494.55 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. CURRENT BILLING PERIOD: 25 DAYS PROMO BALANCE SUBJECT INTEREST TYPE OF BALANCE APR* APR EXPIRES** TO INTEREST RATE CHARGE Purchases 19.49% V N/A $0.00 $0.00 Cash Advances 29.49% V N/A $0.00 $0.00 V = VARIABLE RATE Variable APRs will not exceed 29.99%. * If your account is currently enrolled in a special program or is placed into one during the term of the offer, you will receive the benefit of the lower rate while the special program is in effect. This includes, if applicable, any lower rates as authorized under the Servicemembers Civil Relief Act. ** This is the date your promotional rate expires and the remaining balance will be moved to your standard APR disclosed when you accepted the offer. Please note: Changing your payment due date may change your Promo APR Expiration Date. *** For more information, please call us at 1-800-347-2683. Information For You Your Billing Rights: Keep This Document For Future Use This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. What To Do If You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at: Discover P.O. Box 30421 Salt Lake City, UT 84130-0421. You may also contact us on the Web: https://discover.com/billingerrornotice In your letter or on the Web, please give us the following information: - Account information: Your name and account number. - Dollar amount: The dollar amount of the suspected error. - Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us: - Within 60 days after the error appeared on your statement. - By 5:00 P.M. ET on the date an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. You must notify us of any potential errors in writing or electronically. You may call us, but if you do we are not necessarily required to investigate any potential errors and you may have to pay the amount in question. What Will Happen After We Receive Your Letter or Web Submission When we receive your written or electronic notice, we must do two things: 1. Within 30 days of receiving your notice, we must tell you that we received it. We will also tell you if we have already corrected the error. Continued on next page FILED: CLINTON COUNTY CLERK 08/09/2023 01:32 PM INDEX NO. 2023-00023499 DISCOVER IT® CARD NYSCEF DOC. ENDING NO. 2 IN 3702 Page 4 of 4 RECEIVED NYSCEF: 08/09/2023 JEREMY W DAVIS OPEN TO CLOSE DATE: 03/07/2023 - 03/31/2023 Information For You continued 2. Within 90 days of receiving your notice, we must either correct the error or explain to you why we believe the bill is correct. While we investigate whether or not there has been an error: - We cannot try to collect the amount in question, or report you as delinquent on that amount. - The charge in question may continue to appear on your statement. - While you do not have to pay the amount in question, you are responsible for the remainder of your balance. - We can apply any unpaid amount against your credit limit. After we finish our investigation, one of two things will happen: - If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. - If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe. If you receive our explanation but still believe your bill is wrong, you must write to us (or visit https://discover.com/billingerrornotice) within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct. Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing or electronically at: Discover P.O. Box 30945 Salt Lake City, UT 84130-0945 https://discover.com/billingerrornotice While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. Availability of FICO® Credit Score As an active cardmember, you may see your FICO® Credit Score on your monthly statement or online. Reasons why you may not see your FICO® Credit Score include: if you opt out; if you have key information that is mismatched or missing, as one example, an address change that has not been updated with Discover or TransUnion; if your credit history is too new; if your account status is abandoned, bankrupt, fraud, lost or stolen, closed, revoked, or charged off; if you have a foreign address. Your FICO® Score is disclosed on statements when your statement is available. You may not receive a statement if you have no account activity such as no purchase transactions, fees, interest, or payments for approximately 30 days. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.