Discover it Card ®

Account number ending in 5843

Open Date: Jul 26, 2015- Close Date: Aug 25, 2015
Cardmember Since 2014

Page 1 of 6
ACCOUNT SUMMARY PAYMENT INFORMATION
Previous Balance $112.80 New Balance $1,102.59
Payments and Credits - $1,379.98 Minimum Payment Due $35.00
Purchases + $2,034.98 Payment Due Date September 20, 2015
Balance Transfers + $0.00
Cash Advances + $290.49 Late Payment Warning: If we do not receive your minimum payment by the
Fees Charged + $40.00 date listed above, you may have to pay a late fee of up to $35.00.
Interest Charged + $4.30
New Balance $1,102.59
REWARDS
See Interest Charge Calculation section following the
Anniversary Month
Transactions section for detailed APR information Cashback Bonus® December
Credit Line $2,000 Opening Balance $ 1.33
Credit Line Available $897 New Cashback Bonus This Period
Everywhere Else +$ 10.00
Cash Advance Credit Line $400 Redeemed This Period - $ 0.00
Cash Advance Credit Line Available $400 Cashback Bonus Balance $ 11.33
You may be able to avoid interest on Purchases. To learn more, log in at Discover.com
See reverse for details.

®
718
Your FICO Credit Score on 8/19/15.

Track recent scores on your FICO® page in this statement.

Please pay online at www.Discover.com or make checks

payable to Discover. Phone or internet payment? Pay before
midnight ET on your payment due date for same day credit.

Make Check payable to Discover.

Please fold on the perforation below, detach and return with your payment. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION

5843

$35.00
$1,102.59
September 20, 2015

TEUDY PEREZ SR
201 S 11TH ST APT 1B
READING PA 19602-2079

PO BOX 71084
CHARLOTTE NC 28272-1084
Phone and Internet payments must be received before midnight ET on your due date to be
credited as of the same day.
Address, e-mail or telephone changed? Note changes on reverse side.

000001986457319856744011025900300000003500
 TEUDY PEREZ SR Account number ending in 5843 Open Date: Jul 26, 2015 - Close Date: Aug 25, 2015 Page 2 of 6

Important Information If your payments may vary in amount, we will tell you on each monthly billing
See your Cardmember Agreement. Your Cardmember Agreement contains statement when your payment will be made and how much it will be. You
all the terms of your Account. must ensure that sufficient funds are available in your bank account, and all
Lost or stolen cards. Report immediately! Call 1-800-347-3085. transactions must comply with U.S. law.
What To Do If You Think You Find A Mistake On Your Statement You can set automatic payments for: (i) statement New Balance, (ii) statement
If you think there is an error on your statement, write to us at: Discover, PO Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed
Box 30421, Salt Lake City, UT 84130-0421. You must write to us within 60 dollar amount, or (iv) Other dollar amount. If your scheduled "Other dollar
days after the error appeared on your statement. You may call us, but if you amount" payment is not enough to cover the Minimum Payment Due as listed
do we are not required to investigate any potential errors, and you may have on your monthly billing statement, your scheduled payment for that month
to pay the amount in question. The Billing Rights Notice further explains your will be increased to cover the Minimum Payment Due. If the scheduled
rights. Please see your Cardmember Agreement or visit payment is greater than the Minimum Payment Due, any excess will be
https://discover.com/billingrights for a copy of this notice. applied in accordance with your Cardmember Agreement. If your scheduled
payment is greater than the New Balance on your billing statement, that
Payments. You may pay all or part of your Account balance at any time. payment will be processed only for the amount of your New Balance. Your
However, you must pay at least the Minimum Payment Due by the Payment automatic payment amount may be less than the amount indicated on the
Due Date. Send only your payment and the bottom portion of this statement billing statement based on credits or payments after the Close Date.
in the envelope provided after affixing postage. Payments sent without proper
postage will be returned to the sender. Do not send cash. If you pay by If you enroll by phone in our automatic payment service, please fill-in the
check, you authorize us to use information on your check to make an following blanks below and retain the authorization for your records.
electronic fund transfer from your account at the financial institution indicated
on your check or to process the payment as a check transaction. If a payment Amount: Full Pay________ Min Pay________ Min Pay+ $____________;
is processed as an electronic fund transfer, the transfer will be for the amount Other Amount$_____________; Bank Routing #:__________________;
of the check. When we use information from your check to make an
Bank Account #__________________;
electronic fund transfer, funds may be withdrawn from your account as soon
as the same day we receive your payment, and you will not receive your Monthly on the Payment Due Date Close Date
check back from your financial institution.
___________Day of month (insert date)
The processing of your payment may be delayed if you send cash, corres-
pondence or other items with your payments, if you send the payment to any Credit Reporting. We may report information about your Account to credit
other address, or if you use an envelope other than the one provided. bureaus. Late payments, missed payments, or other defaults on your Account
Payments received in proper form at our processing facility by 5PM local time may be reflected in your credit report. We normally report the status and
on any day will be credited to your Account as of that day. Payments received payment history of your Account to credit reporting agencies each month. If
at our processing facility after 5PM local time will be credited to your Account you believe that our report is inaccurate or incomplete, please write us at this
as of the next day. If you have misplaced your envelope, send your payment address: Discover, PO Box 15316, Wilmington, DE 19850-5316. Please
to Discover, PO Box 6103, Carol Stream, IL 60197·6103. Please allow 7·10 include your name, address, home telephone number and Account number.
days for delivery. If your payment is returned unpaid, we reserve the right to
resubmit it as an electronic debit. Payments made online or by phone will be Paying Interest. Your due date is at least 25 days after the close of each
credited as of the day of receipt if made by midnight on the Payment Due billing period (at least 23 days for billing periods that begin in February). We
will not charge you any interest on Purchases if you pay your entire balance
Date or 5PM Eastern time on any other day. 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
You can pay your monthly Minimum Payment Due, or a greater amount that first day of the billing period in which the transaction posted to your Account.
does not exceed your current Account balance, over the telephone or you can
setup automatic payments through a customer service representative by How We Calculate Interest Charges. We Use the Daily Balance Method
calling 1-800-347-3085.Automatic payments for the billing period shown on (including current transactions) to calculate the Balance Subject to Interest
Rate. For more information, please call us at 1-800-347-3085.
your statement will be deducted on the Payment Due Date shown on that
statement, or the next automatic payment date referred to on your statement, Balance Subject to Interest Rate. Your statement shows a Balance Subject
unless you request a recurring payment date (e.g., the 15th day of the month) to Interest Rate. It shows this for each transaction category. The Balance
that occurs before your Payment Due Date or Close Date. If your scheduled Subject to Interest Rate is the average of the daily balances during the billing
payment date falls on a weekend or bank holiday, your payment will be period.
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 Credit Balances. If your Account has a credit balance, the amount is shown
your bank account information. You will be asked to provide the last four (4) on the front of your billing statement. A credit balance is money that is owed
digits of the social security number of the primary borrower. By providing to you. You may make charges against this amount if your Account is open.
those numbers as your electronic signature, you will be agreeing to this We will send you a refund of any remaining balance of $1.00 or more after
authorization to allow us and your bank to deduct each payment you 6 months, or as otherwise required by applicable law, or upon request made
authorize, in the amount selected by you, from your bank account. You also to the address in the Contact Us section on page 3 of your billing statement.
authorize us to initiate debit or credit entries to your bank account, as
applicable, to correct an error in the processing of such payment. You can Balance Transfers. Balance Transfers are offered at our discretion and
cancel a scheduled payment by phone at 1-800-347-3085 or by mail at accrue interest at the standard purchase rate unless we tell you otherwise.
Discover, PO Box 30421, Salt Lake City, UT 84130-0421; payment Discover may monitor and/or record telephone calls between you and
cancellations must be received before 5 PM ET of the scheduled withdrawal Discover representatives for quality assurance purposes.
date.
The Discover® card is issued by Discover Bank, Member FDIC. DIT23-24.0215

CHANGE OF ADDRESS
If correct on front, do not use. Please print clearly in blue or black ink, in the space provided.

Street Address Home Phone

Work Phone

City Email

State, Zip

To make changes to your address, email or telephone number, visit Discover.com

Continued on next page
 Discover it Card ®

Account number ending in 5843

Open Date: Jul 26, 2015 - Close Date: Aug 25, 2015
Page 3 of 6

CONTACT US
Web Mobile Phone Inquiry Mail Payments
Access your Manage your Discover Discover
account securely account anytime, 1-800-347-3085 PO Box 30943 PO Box 6103
at Discover.com anywhere at TDD 1-800-347-7449 Salt Lake City Carol Stream
m.Discover.com UT 84130 IL 60197-6103

Transactions
Trans. Date Post Date
Payments and Credits Jul 11 Aug 25 EPOCH.COM $ -34.98
Jul 25 Jul 26 SQ *TEUDY PEREZ BRONX NY -1,000.00
0002305843010193598578
Aug 14 Aug 14 INTERNET PAYMENT - THANK YOU -145.00
Aug 21 Aug 21 INTERNET PAYMENT - THANK YOU -200.00

Merchandise Jul 11 Aug 23 EPOCH.COM 800-893-8871 CA $ 34.98

REVERSAL OF TEMPORARY CREDIT

Services Jul 25 Jul 26 SQ *TEUDY PEREZ BRONX NY $ 1,000.00

0002305843010193598578
Jul 27 Jul 27 SQ *TEUDY PEREZ BRONX NY 1,000.00
0002305843010197817470

Cash Advances Jul 28 Jul 28 SWS GIFT SHO-237046 BRONX NY $ 101.50

Jul 29 Jul 29 A-ONE DELI BRONX NY 11.50
Jul 29 Jul 29 A-ONE DELI BRONX NY 161.50
Aug 17 Aug 17 HAPPY DELI II BRONX NY 15.99

Fees Jul 28 Jul 28 CASH ADVANCE FEE $ 10.00

Jul 29 Jul 29 CASH ADVANCE FEE 10.00
Jul 29 Jul 29 CASH ADVANCE FEE 10.00
Aug 17 Aug 17 CASH ADVANCE FEE 10.00
TOTAL FEES FOR THIS PERIOD 40.00

Interest Charged INTEREST CHARGE ON PURCHASES $ 0.00

INTEREST CHARGE ON CASH ADVANCES 4.30
INTEREST CHARGE ON BALANCE TRANSFERS 0.00
TOTAL INTEREST FOR THIS PERIOD 4.30

2015 Totals Year-to-Date

TOTAL FEES CHARGED IN 2015 $ 41.50
TOTAL INTEREST CHARGED IN 2015 $ 4.30
Interest Charge Calculation
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Current Billing Period:31 days
ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO
TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE
Purchases 0.00% $0.00 $0.00
Cash Advances 24.99% V $202.52 $4.30
V=Variable Rate

Information For You

For more information about how interest charges are calculated see your Cardmember Agreement or go to www.discover.com/interestcharges

NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION

TEUDY PEREZ SR Account number ending in 5843 Open Date: Jul 26, 2015 - Close Date: Aug 25, 2015 Page 4 of 6

Information For You ... Continued

FICO® Credit Score Terms

Your FICO® Credit Score and key factors are based on data from TransUnion and may be different from other credit scores. This information is intended for
and only provided to Primary cardmembers who have an available score. See Discover.com/FICO about the availability of your score. Your score is
provided on the statement for individual accounts and on Discover.com with key factors for individual and joint accounts. You will see up to a year of recent
scores starting when you become a cardmember. Discover and other lenders may use different inputs, such as a FICO ® Credit Score, other credit scores and
more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation in the United
States and other countries.

If you prefer not to receive your FICO® Credit Score on your statement, just call us at 1-800-DISCOVER (1-800-347-2683). Please give us two billing cycles
to process your request. To learn more, visit Discover.com

Availability of FICO® Credit Score

As an active cardmember, you may see your FICO® Credit Score on your monthly statement or online. Reasons why you may not see your FICO ® Credit
Score include: if you have a joint account; if you opt out; if you have key information that is mismatched or missing, as one example, an address change that
has not been updated with Discover or TransUnion; if your credit history is too new; if your account status is abandoned, bankrupt, fraud, lost or stolen,
closed, revoked, or charged off; if you have a foreign address; or if you have no account activity such as no purchase transactions, fees, interest, or payments
for approximately 30 days.

Discover Account Payments Discontinued at Sears

Effective February 1, 2016, cardmembers will no longer have the option to make any payments to their Discover account at Sears locations. You will continue
to have the option to make payments online by visiting our website at Discover.com, by calling us at 1-800-347-3085, or by mailing us a check.

.
 Discover it Card ®

Account number ending in 5843

Open Date: Jul 26, 2015- Close Date: Aug 25, 2015
Cardmember Since 2014

Page 5 of 6

Teudy, your FICO® Credit Score is 718 as of 08/19/2015

Good News! Your FICO ® Credit Score indicates to lenders that you are a good borrower.

Your FICO® Credit Score History

Exceptional
800 - 850

Very Dependable
740-799 718

Good
670-739

Below Average
580-669

Very Risky
300 - 579

09/14 10/14 11/14 12/14 01/15 02/15 03/15 04/15 05/15 06/15 07/15 08/15

Important Information:
- We may not always receive a score for you each month so there may be months with no scores.
- For questions on the availability of your score go to the "Information For You" section of the document.
- As a new card member with less than 12 months of account history with Discover, your FICO® Credit Score history will start
with the first month your account was opened.

Log into Discover.com/FICO to see key factors impacting all your scores.

See FICO ® Credit Score Terms on the 'Information For You' section of the statement.

© 2015 Discover Bank, Member FDIC CODE_SUM_0115