ACCOUNT NUMBER:
`BALANCE:
`CARDMEMBER(8):
`
`XXXXXXXXXXXX3498
`$1,228.90
`CAMISHA N VILME
`
`STATE OF OHIO
`COUNTY OF FRANKLIN
`Danielle Grasso, personally appeared before me, onthis day and after being duly sworn, according to law, and
`upon myoath andstates as follows:
`LamaLitigation Support Coordinator for DISCOVER PRODUCTSINC., successor by merger to DB
`SERVICING CORPORATION,the servicing affiliate ofDISCOVER BANK, an FDIC insured Delaware
`State Bank. DISCOVER PRODUCTSINC.is responsible for, among other things, maintaining account
`records pertaining to Discover Card accounts and interacting with Discover Card account holders with regard
`to payments owed on those accounts.
`This affidavit is made on the basis ofmy personal knowledge and in support of the Plaintiff's suit on account
`against the Cardmember(s).
`In my capacity as Litigation Support Coordinator, I have knowledge regarding, and access to, records
`regarding the Discover Card account ofthe above referenced Cardmember(s). DISCOVER PRODUCTS
`INC.maintains these recordsin the ordinary course of its business, and the records are updated with
`information on events (such as charges and payments on the account) by individuals with personal knowledge
`of those events or by automated processesthattrack such events at or near the timethat the events occur. The
`same systems that record this information also generate periodic statements that are sentto Discover
`Cardmember(s), and store copies ofthese periodic statements. In addition, these same record-keeping
`systems contain information about which version ofDiscover Bank’s terms and conditions has been
`communicated to an account holder and accepted by an account holder through the use ofhis or her Discover
`Card after receipt ofthe terms and conditions.
`I have personally inspected the records pertaining to the
`account of the Cardmember(s), including the last periodic statementsent to the Cardmember(s) by
`DISCOVER PRODUCTSINC.,to ascertain the applicable terms and conditions, the balance due on said
`account and whether the Cardmember(s) have made payments on that balance.
`According to the records maintained by DISCOVER PRODUCTSINC., during the period oftime that
`account statements were generated, such statements were either provided to the Cardmember(s)
`electronically or mailed to the Cardmember(s) at the address maintained on file during that time period.
`According to the records maintained by DISCOVER PRODUCTSINC.,the last known address associated
`with the Cardmember(s)is/are:
`
`300 SUMMIT ST #70038
`HARTFORD, CT 06106-3100
`The accountis in default because the Cardmember(s) have notpaid the amounts due and owing to Discover
`
`Bank on the account.
`
`The business records maintained by DISCOVER PRODUCTSINC.and described above showthat the
`Cardmember(s)’ account with Discover Bank is governed by terms and conditions referred to as “terms level
`96K.” A true and correct copy of these terms and conditions have been provided to DISCOVER PRODUCTS
`INC.’s counsel in this case.
`Exhibit A is a true and accurate copyofthelast periodic statement sent by DISCOVER PRODUCTSINC.to
`
`SCB_VILME_874598_1.1
`
`vil
`
`

`

`the Cardmember(s), retrieved from the record-keeping system described above, and shows the amount thatis
`now due and owing Discover Bank on the account.
`DISCOVER PRODUCTSINC.has access to a system of records maintained by the United States Department
`ofDefense, which allows DISCOVER PRODUCTSINC.to ascertain whether a particular person is engaged in
`active duty in any branchofthe U.S. military. It is the regular practice ofDISCOVER PRODUCTSINC.to
`query this system with respect to any account holder prior to initiating a collection action against that account
`holder. DISCOVERPRODUCTSINC. maintains records in the normalcourseofits business that indicate the
`results ofthat query. Based on my review ofthe account records applicable to Cardmember(s), to the best of
`my knowledge and beliefthe above referenced Cardmember(s)is not engaged in any ofthe military services of
`
`the United States.
`
`I declare under penalty ofperjury that the foregoing is true and correctto the best ofmy knowledge.
`
`Atniant
`
`SUBSCRIBED TO AND SWORN TObefore me this> day of
`
`
`AY COMASSINERPRES2.32 B
`
`HEATHER BLEMLEY
`NOTARY PUBLES - SH
`
`SCB_VILME_874598_1.1
`
`vi.l
`
`

`

`
`
`
`
`
`
`
`
`DISC@VER
`
`
`
`
`
`Discover i# chrome Card
`
`Account number ending in 3498
`Open Date: Apr 3, 2019- Close Date; May 2, 2019
`Cardmember Since 2018
`
`Page 1 of 4
`
`ACCOUNT SUMMARY
`Previous Balance
`Payments and Credits
`
`$843.59
`$288.70
`
`PAYMENT INFORMATION
`New Balance
`
`
`$1,228.90
`
`
`Minimum Payment Due *
`$408.70
`ov
`Perches
`Payment Due Date
`May 2B, 2019
`
`
`0
`once fransters
`* Includes past dus amountof:
`$329.70
`
`
`$0.00
`Cash Advances
`
`
`Late Payment Warning: If we do not receive your minimym payment by the
`$74.00
`Fees Charged
`date listed above, you may have to pay a late fee of up to $37.00.
`$22.61
`intarast Charged
`Minimym Payment Warning:If you moke only the minimum payment each
`
`
`$1,228.90
`New Balance
`period, you will pay morein interest andit will take you longer lo pay off your
`See Interest Charge Calculation section following the
`balance. For example:
`
`
`
`Transactions section for detailed APR information
`
`
`If you maks no additional changes|You will pay off the And you will end u
`
`
`using this card and each month=|balance shawn on this paying on estimated total
`
`Cradit Line
`$1,000
`you pay... statement in about...|of...
`
`
`
`Cradit Line Available
`$0
`
`
`
`TOnlytheminimumpayment|__Syears|$1,532
`
`
`
`
`Cash Advance Credit Line
`$500
`if you would like information about credit counseling services, call 1-800-347-1121.
`
`
`Cash Advance Credit Line Availoble
`$0
`
`
`_
`
`0.00 Track recent FICO® Scores on our mobile app or online
`
`You may be able to avoid interest on Purchases.
`See reverse for details.
`
`FICO
`:
`7
`
`—— redit
`
`FICO® Credit $<
`
`Your
`
`Score on 4/26/
`
`4/26/19
`
`*
`
`REWARD S
` Anniversary Mon
`
`
`Cashback Bonus
`lune
`
`
`Opening Batance
`$
`0.60
`New Cashback BonusThis Period
`+$
`0.00
`
`
`Redeemed This Perio
`-$
`0.00
`
`Cashback Bonus Balance
`$
`
`To learn more, log in at Discover.com
`
`
`
`You are overlimit by $228.90. Paying more than the Minimum
`Payment Due will reduce your overlimit amount.
`
`NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION
`
`
`
`
`Account number endingin.
`M98.
`
`Pay Online
`Pay by Phone.
`
`
` Payment Coupon
`
`
`4?
`Please do notfold, clip ostaple.
`-
`Account
`
`_. Mgr. Discovercom=-- - 1-800-347-3085
`) Minimum Payment Due $408.70Or
`
`
`
`
`
`
`
`New Balance $1,228.90Ce
`denttpEadeATLaedeletele
`
`Payment Due Date May 28, 2019cn
`CAMISHA N VILME
`Be
`
`Moke Check payable to Discover, Do Not Send Cash.
`Please fold on the perforation below, detach and return with your payment.
`
`
`
`
`
`—
`
`
`
`
`
`300 SUMMIT ST # 70038
`HARTFORD CT 06106-3100
`
`PhoneandInternetpayments mustbe received beforemidnight ETonyourdus dateto ba
`
`credited as of the some day.
`Address, e-mail or telephone changed? Nota changes on reverse side,
`
`
`PO BOX 71084
`CHARLOTTE NC 28272-1084
`irl
`Hil
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`

`

`CAMISHA NVILME
`
`Account number ending in 3498
`
`Important Information
`Se your Cardmember Agreement. Your Cardmember Agreement contains
`all the terms of your Account.
`Lost or stolen cards. Report immediately! Cal! 1-800-347-3085.
`What To De If You Think You Find A Mistake On Your Statement:
`if you think there is an error on your statament, write fo us at Discover, PO
`Box 30421, Salt Lake City, UT 84130-0421, or subrnit the form provided af
`hitps://discover.com/billingerrornotice. You must contfaci us within 60 days
`afier the error appeared on your statement, You may call us, but if you do
`we ore not required to investigate any potential errors, and you may have to
`pay
`the amount in question. the Billing Rights Notice further explains your
`rights. Please see your Cardmember Agreement or visit
`https://discover.com/billingrights for a copy ofthis Notice.
`time.
`Payments. You may pay all or part of your Account balance at any
`However, you must pay al least the Minimum Payment Due by the Payment
`Due Date. Send only your allowable form of paymentPayment] and the
`bottom portion of this statementin the envelope provided, after affixing
`postage. Payments sent without proper postage will be returned to the
`sender.If you pay by check, you authorize us to use information on your
`chack to make an electronic
`fund transfer from your account al the financial
`institution indicated on your check or to process the payment as a check
`transaction. if o Paymentis processed os an electronic fund transfer, the
`transter will be for the amount of the check, funds may be withdrawn from
`your account as soan as the same day we recaive your check, and you will.
`not receive your check back.
`Please do not send cash. Sending cash is not allowed, The processing of
`your allowable form of Payment may be delayed if you send cash or
`correspondence with your Payments,if you send the Payment to any other
`address,
`orif you use an envelope otherthan the one provided, Payments
`received of our processing facility by 5PM local time on any day will ba
`i
`!
`f
`7
`ents received at aur
`processing
`credited fo your Account as of that day, Po
`to your Account asof the next
`facility
`after 5PM local time will be credite
`ay. f you hove misplaced your envelope, send your Payment to Discover,
`PO Box 6103, Caro!Stream, IL 60197-6103. Please allow 7-10 daysfor
`dativery. Hf your Paymentis returned unpaid, we reserve the right to resubmit
`it as on electronic debit. Payments made antine or by phonewill be credited
`as of the day of receipt if made by Midnight ET on the Payment Bue Date or
`5PM ET on any other day.
`You can also make a Paymentorset up automatic payments by calling
`1-800-347-3085. Automatic payments for the billing period shown on your
`staternent will be deducted on the Payment Due Dcte shown on thet
`statament, or the next automatic payment date referred to on your statement,
`unless you requesi o recurring paymenl date that occurs before your Payment
`Due Date. If your scheduled payment datefalls on a weakend or bank
`holiday, your payment will be processed the business day prior to the
`weekend or bank holiday. In order to schedule monthly payments by
`telephone, you will need this statement and your bank account information.
`You will be asked to provide the lost four {4}digits of the social security
`numberof the primary borrower as your electronic signature. By providing
`those numbers, you will be agreeing fo this authorization to allow us and
`your bank to deducl each paymentyou authorize, in ihe amountselected b
`you, from your bank account. You also authorize usta initiate debit or credif
`entries to your bank account, as applicable, fo correct an error in the
`processing of such payment.-You con cancel a scheduled payment by phone
`at 800-347-3085 or by mail at Discover, PO Box 3047},
`Salt Lake citys
`UT 84130-0421; poyment cancellations must be received before 5 PM ET of
`the scheduled withdrawal date.
`Hf your payments may vary in amount, we will tall you on each monthlybilling
`staternent when your poymentwill be made and how muchit will be,
`You
`rust ensure that sufficient funds are available in your bank account, and oll
`transactions must comply with U.S, law.
`
`Page 2 of 4
`Open Date: Apr 3, 2019- Close Date: Moy 2, 2017
`You can set automatic paymentsfor: (i} statement New Balance,{li} statement
`Minimum Payment Due,(iii) statement Minimum Payment Due plus a fixed
`dotlar amount,or {iv) other dollar amount.
`If your scheduled "Other dollar
`amount" paymentis not enough to cover the Minimum Poyment Due oslisted
`on your monthlybilling statement, your scheduled payment for that month
`will be increased to cover the Minimum Payment Due.If the scheduled
`payment is greater than the Minimum Payment Due, any excess will be
`applied in accordance with your Cardmember Agreement. If your scheduled
`paymentis greater than the New Balance on your billing statement, that
`payment will be processed only for the amount of your New Baionce. Your
`automatic payment amount may beless than the amountindicated on ihe
`billing statement based on credits or payments after the Close Date.
`lf
`you enroll by phone in our automatic payment service, pleasefill-in the
`following blanks below and retain the authorization for your records.
` yt oor
`Amount: -[] Full Pay
`UMin Pay.
`f] Min Po
`[] Other AmountS
`; Bank Routing #:
`é
`Bank Account #
`:
`Monihly on the (J Payment Que Date
`i
`Day of month {insert daie} _
`Credit Reporting. We may report information about your Account to credit
`bureaus. Lafe payments, missed payments, or other defaults on your Account
`may be reflected in your credit report. We normally report the status and
`paymenthistory of your Accountfo credit reporting agencies each month.If
`you believe that our report is inaccurate or incomplete,
`please write us at this
`address: Discover, PO Box 153164, Wilmington, DE 19850-5316. Piease
`include your name, address, hometelephone number and Account number.
`Paying Interest. Your due dateis at least 25 days affer the close of each
`billing period (ot least 23 days forbilling periods that begin in Februcry}. We
`will not charge youraay interest on Purchases if you pay your entire balance
`by the due date each month. We will begin charging interest on Cash
`Advances and Balance Transfers as of the later of the Transaction Date or the
`first day of the billing period in which the transaction posted to your Account.
`How We Calculate Interest Charges. WeUsethe Daily Balance Method
`{including current transactions} to calculate the Balance Subject to interest
`ate, For more information, please call us at 1-B00-347-3085.
`Balance Subject to Interest Rate. Your statament shows a Balance Subject
`fo interest Rate.
`It shows this for each transaction category. The Balance
`Subject io Interest Rote is the average of the daily bolances during the billing
`period,
`Credit Balances.
`If your Account has a credit balance, the amountis shown
`on the front of yourbilling statement, A credi! balance is moneythat is owed
`to you. You may make charges against this amountifyour Account is open.
`We will send you a refund of any remaining balance of $1.00 or more aller
`é months, or os otherwise required by applicable law, or upon request made
`fo the address in the Contact Us section on page 3 of your billing statement.
`Balance Transfers. Balance Transfers are otered at our giscretion ond
`oecrue interest at the standard purchase rate unless wetell yau otherwise.
`Discover may monitor and/or record telephone calls between you and
`Discover representatives far quality assurance purposes,
`The Discover® card is issued by Discover Bonk, Member FDIC, 11123-24.0218
`
`if correct on front, do not use. Please print clearly in blue or black ink, in the space provided.
`
`
`
`” CHANGE OF ADDRESS
`
`
`
`
`
`To make changesto your address, email or telephone number, visit Discover.com
`
`Canfinved on next page
`
`
`
`

`

`
`Discover it® chrome Card
`
`Account number ending in 3498
`Open Date: Apr 3, 2019 - Close Date: May 2, 2019
`Page 3 of 4
`
`
`
`ea Toe
`
`CONTACT US
`
`Web
`Mobile
`Phone
`Inquiry
`Mail Payments
`PF Access your
`Manage your
`Discover
`Discover
`
`
`accountsecurely
`account anytime,
`1-800-347-3085
`PO Box 30943
`PO Box 6103
`at Discover.com
`anywhere at
`Salt Lake City
`Carol Stream
`TOD 1-800-347-7449
`
`UT 84130 IL 60197-6103
`
`m.Discover.com
`
`
`
`
`Post Date
`
`Trans. Date
`
`Transactions
`288.70
`_
`$
`ACH PAYMENT ADJUSTMENT
`Mar 28
`Apr 4
`Payments and Credits
`
`Fees
`Apr 4
`Apr 4
`RETURNED CHECK CHARGE
`$
`37.00
`,
`Apr 28
`Aer28
`_—LATE FEE
`37.00
`TOTAL FEES FOR THIS PERIOD
`74.00
`
`Interest Charged
`INTEREST CHARGE ON PURCHASES
`$
`22.61
`INTEREST CHARGE ON CASH ADVANCES
`0.00
`INTEREST CHARGE ON BALANCE TRANSFERS
`0.00
`TOTAL INTEREST FOR THIS PERIOD
`22.41
`
`2019 Totals Year-to-Date
`
`TOTAL FEES CHARGED IN 2019
`TOTAL INTEREST CHARGED IN 2019
`
`‘
`
`$
`$
`
`185.00
`79,99
`
`Interest Charge Calculation
`Your Annual Percentage Raia (APR)is the annualinterest rate on your account.
`Current Billing Period: 30 days
`INTEREST
`BALANCE SUBJECT TO
`PROMO APR
`ANNUAL PERCENTAGE
`CHARGE
`INTEREST RATE
`EXPIRATION DATE**
`RATE {APR}*
`TYPE OF BALANCE
`.
`$21.55
`$1,179.48
`N/A
`22.24% V
`Purchases —
`$0.00
`$0.00
`N/A
`.
`27.24% V
`Cash Advances
`PreviousBilling Period: 31 days -
`$1.06
`$55.95
`N/A
`22.24% V
`Purchases
`V=Variable Rate
`*
`if your accountis currently enrolled in o special program oris placed into ona 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 Servicamembers Civil Relief Act.
`4* This isthe date your promotional rate expires and the remaining balance will be moved to your standard APR disclosed when you accepted the offer.
`Please note: Chenging your payment due date may change your Promo APR Expiration Date.
`*** For more information, please call us at 1-800-347-2683.
`LS
`
`.
`
`NOTICE: SEF REVERSE CINE EMD 1AADDTAKIT IEAAAA
`
`

`

`CAMISHA NVILME
`
`Account number endingin 3498
`
`_____
`
`Open Date: Apr 3, 2019 - Close Date: May 2, 2019
`
`Page 4 of4
`
`Information For You
`
`FICO® Credit Score Terms
`
`Your FICO" Credit Score, key factars, and other credit information use the FICO® Score 8 model. They are based on data from TransUnion® and may be
`different from other credit scores and other credit information provided by different bureaus. This information is intanded for and only provided to Primary
`account holders whe have an available scare. Your score, key factors and other credit information are available on Discover.com and cardmambers gra also
`provided a score on statements. Customers will see up to a year of recent scores online. Discover and other lenders may use different inputs, such as FICO*
`Credit Scores, other credit scores and more information in credit decisions. This benefit may change or endin the future. FICO is o registered trademark of
`the Fair isaac Corporation in the United Sictes and other countries.
`
`If you prefer not to recaive your FICO® Credit Scorejust call us at 1-800-DISCOVER (1-800-347-2683). Please give us twobilling cycles to process your
`request.
`
`Discover Financial Services and Fair isoac are not credit repair organizations as defined under federal or state low, including the Credit Repair Organizetions
`Act. Discover Financial Services and Fair Isaac do not provide “credit repair" services or assistance regarding "rebuilding® or “impraving" your credit record,
`credit history or credit rating.
`
`Availability of FICO® Credit Score
`As an active cardmember, you may see your FICO® Cradit 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 changethat has not been updated with
`Discover or TrarisUnion®;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 FICOScore is disclosed on statements when your statementis available. You may no! receive a statement if you
`have no account activity such as no purchase transactions,fees, interest, or payments for approximately 30 days.
`
`[nner
`
`