DISCOVER IT® CARD ENDING IN 8243

CARDMEMBER SINCE 2017

Account Summary 07/26/2024 - 08/25/2024 Payment Information

Previous Balance $443.87 New Balance Minimum Payment Payment Due Date
Payments and Credits -$5,873.43 $ $
65.79 35.00 09/20/2024
Purchases +$5,495.35
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: $65.79

See Interest Charge Calculationsection following the Fees and
Interest Charged section for detailed APR information
Credit Line $9,000
Credit Line Available $8,934
Cash Advance Credit Line $4,500
Cash Advance Credit Line Available $4,500

FICO® Score 8 based on TransUnion® data:

816 AS OF 08/19/24
Exceptional Updated Monthly

See Key Factors that help explain your score

at Discover.com or visit our mobile app

See "Information For You" section for Notice of Changes to Your

Cardmember Agreement and Account terms.

Notice: See reverse side for important information

Payment Coupon ACCOUNT NUMBER ENDING IN 8243

Detach at perforation above and return with check payable to $
New Balance 65.79
Discover. Do not fold, clip, staple or send cash.
$
Minimum Payment Due 35.00
Payment Due Date 09/20/2024
Amount Enclosed $
BRIAN C GIANUNZIO
12815 EDGEWATER PATH
APPLE VALLEY MN 55124-8680

PO BOX 6103
CAROL STREAM IL 60197-6103

New address, email or phone? Please update on reverse.

000001986623578641297000657900000000003500
DISCOVER IT® CARD ENDING IN 8243 Page 2 of 6
BRIAN C GIANUNZIO OPEN TO CLOSE DATE: 07/26/2024 - 08/25/2024

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
 ONLINE PHONE PAYMENTS Page 3 of 6
Discover.com or 1-800-347-2683 Discover DISCOVER IT® CARD ENDING IN 8243
download our app Hearing/Speech Impaired PO Box 6103 OPEN TO CLOSE DATE: 07/26/2024 - 08/25/2024
Dial 711 (Relay Service) Carol Stream
IL 60197-6103

Transactions Cashback Bonus® Rewards

TRANS. PREVIOUS BALANCE $144.14
DATE PAYMENTS AND CREDITS AMOUNT
EARNED THIS PERIOD
07/29 INTERNET PAYMENT - THANK YOU -$443.87 1% Cashback Bonus +$54.95
08/09 INTERNET PAYMENT - THANK YOU -$5,429.56
REDEEMED THIS PERIOD -$18.00
TRANS. CASHBACK BONUS BALANCE $181.09
DATE PURCHASES MERCHANT CATEGORY AMOUNT
07/26 EH MYHEALTH PAYMENTS 800-985-4675 MN Medical Services $5,290.42
07/26 M HLTH FV MYCHART 612-232-5000 MN Medical Services $139.14
08/21 NEW WAVE AQUARIA 7637109386 MN Merchandise $56.90
08/21 MENARDS 3374 APPLE VALLEY MN Home Improvement $8.89

Fees and Interest Charged

TOTAL FEES FOR THIS PERIOD $0.00

TOTAL INTEREST FOR THIS PERIOD $0.00

2024 TOTALS YEAR-TO-DATE CHARGED AMOUNT

TOTAL FEES CHARGED IN 2024 $0.00
TOTAL INTEREST CHARGED IN 2024 $1.63

Interest Charge Calculation

Your Annual Percentage Rate (APR) is the annual interest rate on your account.
CURRENT BILLING PERIOD: 31 DAYS
PROMO BALANCE SUBJECT INTEREST
TYPE OF BALANCE APR* APR EXPIRES** TO INTEREST RATE CHARGE
Purchases 18.24% V N/A $0.00 $0.00
Cash Advances 29.99% 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

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 Card
PO BOX 30421
Salt Lake City, UT 84130-0421

You may also contact us on the Web: https://discover.com/billingerrornotice

In your letter, give us the following information:

- Account information: Your name and account number.

Continued on next page

DISCOVER IT® CARD ENDING IN 8243 Page 4 of 6
BRIAN C GIANUNZIO OPEN TO CLOSE DATE: 07/26/2024 - 08/25/2024

Information For You continued

- 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.

You must notify us of any potential errors in writing [or electronically]. You 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.

While we investigate whether or not there has been an error, the following are true:

- We cannot try to collect the amount in question, or report you as delinquent on that amount.

- The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a
mistake, you will not have to pay the amount in question or any interest or other fees related to that amount.

- 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.

Please see your Cardmember Agreement or visit https://discover.com/billingrights for a copy of your full billing rights notice.

Notice of Changes to Your Cardmember Agreement and Account terms.

Please read the following information about changes to your Account and keep it with your records. These changes are effective as of July 27, 2024. No other
Account terms are changing at this time. Please note, if your account was opened on or after July 27, 2024, your Cardmember Agreement and Account terms
already reflect these changes.

Late Payment Fee. We replaced the "Late Fee" paragraph of your Cardmember Agreement with the following:

If you do not pay the Minimum Payment Due by the Payment Due Date, we may charge you a Late Fee. See your Pricing Schedule for fee amount. This fee
will never exceed the Minimum Payment Due that was due immediately prior to the date on which the fee was assessed.

Returned Payment Fee. We replaced the "Returned Payment Fee" paragraph of your Cardmember Agreement with the following:

If you make a payment that is not honored by your financial institution, we may charge you a Returned Payment Fee even if the payment is honored after
we re-submit it. See your Pricing Schedule for fee amount. This fee will never exceed the Minimum Payment Due that was due immediately prior to the
date on which the payment was returned to us.

Returned Payment Fee Amount. Your Account terms may have included a fee amount for a single returned payment event and a higher fee amount for subsequent
returned payments within six billing periods from a previous returned payment. If so, we will no longer charge this higher fee amount and your Account will be
subject to the lesser fee amount for each event.

Cash Advance Definition. We replaced the definition of "Cash Advance" in your Cardmember Agreement with the following:

"Cash Advance" means the use of your Account for:

- Obtaining cash from participating automated teller machines, financial institutions, or other locations; and

- Items that we consider cash equivalents or that a payment network or merchant has designated as a cash equivalent item, including online gambling,
lottery tickets, money orders, wire transfers, casino chips, foreign currency, or similar items.

Continued on next page

 ONLINE PHONE PAYMENTS Page 5 of 6
Discover.com or 1-800-347-2683 Discover DISCOVER IT® CARD ENDING IN 8243
download our app Hearing/Speech Impaired PO Box 6103 OPEN TO CLOSE DATE: 07/26/2024 - 08/25/2024
Dial 711 (Relay Service) Carol Stream
IL 60197-6103

Information For You continued

FICO® Credit Score Terms
Your FICO® Credit Score, key factors, 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 intended for and only provided to Primary account holders
who have an available score. Your score, key factors and other credit information are available on Discover.com and cardmembers are 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 end in the future. FICO is a registered trademark of Fair Isaac Corporation in the
United States and other countries.

If you prefer not to receive your FICO® Credit Score just call us at 1-800-DISCOVER (1-800-347-2683). Please give us two billing cycles to process your request.

Discover Financial Services and Fair Isaac are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act.
Discover Financial Services and Fair Isaac do not provide "credit repair" services or assistance regarding "rebuilding" or "improving" your credit record, credit
history or credit rating.

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.

Continued on next page

DISCOVER IT® CARD ENDING IN 8243 Page 6 of 6
BRIAN C GIANUNZIO OPEN TO CLOSE DATE: 07/26/2024 - 08/25/2024