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`Kristen Brinkerhoff, Esq. Bar No. 263579
`Emily Pierce, Esq. Bar No. 240084
`Jordan Cook, Esq. Bar No. 179720
`Lori Williams, Esq. Bar No. 242985
`Michelle Mitchell, Esq. Bar No. 221841
`PORTFOLIO RECOVERY ASSOCIATES, LLC
`10680 Treena St., Suite 500
`San Diego, CA, 92131
`866/428-8102
`Attorneys for Plaintiff
`PORTFOLIO RECOVERY ASSOCIATES, LLC
`
`
`
`ELECTRONICALLY
`F I L E D
`
`Superior Court of California,
`County of San Francisco
`09/26/2022
`Clerk of the Court
`BY: STACY GEE
`Deputy Clerk
`
`SUPERIOR COURT OF CALIFORNIA
`
`COUNTY OF SAN FRANCISCO
`
`
`PORTFOLIO RECOVERY ASSOCIATES,
`LLC,
`
`
`Plaintiff,
`
`
`
`vs.
`
`
`BARBARA WILLIAMS DIZON;
`
`
`Defendant,
`
`
`
` Case No. CGC-22-600164
`
`LIMITED JURISDICTION
`
`
`DECLARATION OF CUSTODIAN OF
`RECORDS IN SUPPORT OF
`APPLICATION FOR ENTRY
`OF DEFAULT JUDGMENT PURSUANT TO
`CCP § 585(d)
`
`
`
`I, the undersigned, declare as follows:
`
`1. I am an employee at and custodian of records for PORTFOLIO RECOVERY
`
`ASSOCIATES, LLC ("Plaintiff"). I am a competent person over eighteen years of age, and make
`
`the statements herein based upon personal knowledge of those account records maintained on
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`Plaintiff's behalf. Plaintiff is the current owner of, and/or successor to, the obligation sued upon,
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`and was assigned all the rights, title and interest to Defendant’s SYNCHRONY BANK account
`
`XXXXXXXXXXXXX3945(hereinafter the "Account"). I have access to and have reviewed the
`
`records pertaining to the Account and am authorized to make this declaration on Plaintiff's behalf.
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`2. Plaintiff purchases portfolios of delinquent accounts from either the original creditor or a
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`subsequent purchaser of the account. As part of its operations, Plaintiff operates and maintains
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`computer systems, into which Plaintiff integrates electronic records and information received from
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`the seller in response to the sale and assignment communications regarding the individual accounts.
`
`DECLARATION OF CUSTODIAN OF RECORDS IN SUPPORT OF APPLICATION
`FOR ENTRY OF DEFAULT JUDGMENT PURSUANT TO CCP § 585(d)
`
`-1-
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`APCMGLGJBLCJFPCJCIDNBLFK
`AJAJBAGGEGKPFDDKHKGPMICK
`ANINEJMFLKGEKNBKFHABLINK
`AKLAKKGLOPPHCPMHKONIIBDK
`AOIEOOJBBCMFLKKKFMOOFBPK
`AAECMOEEECEMAMKKIIACEKMK
`
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`3. I am familiar with the manner and method by which Plaintiff creates and maintains its normal
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`business books and records. The records are kept in the normal course of business. Plaintiff
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`maintains computerized account records, including the account information that was provided to
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`Plaintiff by SYNCHRONY BANK. The computerized account records include the transfer balance
`
`and transfer date of the subject Account. The records are kept in the ordinary course of business by
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`representatives of Plaintiff who are charged with the duty to accurately record any business act,
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`condition or event on the computer with entries made at or near the time of any such occurrence.
`
`4. On or about May 19, 2019, Plaintiff became the successor in interest to this Account.
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`Plaintiff acquired and incorporated the attached Account records into its permanent business records
`
`as a result of Plaintiff's purchase of the Account. These records are kept in the regular course of
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`business on behalf of Plaintiff, and along with the electronic records provided at purchase, are
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`Plaintiff's primary source of business records for this Account.
`
`5. Upon information and belief, federal law required the original creditor to send monthly
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`statements to the Defendant at the address at which the Defendant advised that he/she was residing
`
`at the time that he/she established the Account, or to any subsequent address provided by the
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`Defendant.
`
`6. The accuracy of such records is relied upon by Plaintiff in purchasing and collecting upon
`
`this Account. The records are trustworthy and relied upon because the original creditor was required
`
`to keep careful records of the Account at issue in this case as required by law and/or suffer business
`
`loss.
`
`7. This Account was purchased on or after January 1, 2014 and, therefore is subject to
`
`California Civil Code section 1788.60.
`
`8. In accordance with California Civil Code section 1788.58(a)(3-8), Plaintiff's records show
`
`the following relevant information concerning the Account.
`
`a. Plaintiff is the sole owner of the Account.
`
`b. The Account was opened on February 02, 2017 and charged off on April 14, 2019 with
`
`a balance of $3,043.86 at time of charge off.
`-2-
`
`DECLARATION OF CUSTODIAN OF RECORDS IN SUPPORT OF APPLICATION FOR ENTRY OF
`JUDGMENT CCP § 1788.60(a)
`
`
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`c. PORTFOLIO RECOVERY ASSOCIATES, LLC’s records show that the balance of
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`$2,394.86 remains due and owing as of September 01, 2022. Plaintiff is not seeking to
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`recover any post-charge off interest to which it may be entitled and/or fees that may have
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`been imposed by the charge off creditor or subsequent purchasers of the debt and is
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`seeking to recover only that portion of the charge off balance that remains due and owing
`
`as of September 01, 2022.
`
`d. The date of last payment on the credit account was September 07, 2021.
`
`e. The charge-off creditor name and address at the time of charge-off:
`
`NAME ADDRESS
`
` SYNCHRONY BANK P.O. BOX 965033, , ORLANDO,
`
`FL 328965033
`
`f. The charge-off account number associated with the debt at the time of charge-off was
`
`XXXXXXXXXXXXX3945.
`
`
`g. Defendant’s name and address as it appeared in the charge off creditor's records:
`
`
`
`BARBARA WILLIAMS DIZON, 109 PIERCE ST, SAN FRANCISCO, CA
`
`94117-3306.
`\\\
`
`\\\
`
`\\\
`
`\\\
`
`\\\
`
`\\\
`
`\\\
`
`
`DECLARATION OF CUSTODIAN OF RECORDS IN SUPPORT OF APPLICATION FOR ENTRY OF
`JUDGMENT CCP § 1788.60(a)
`
`
`-3-
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`h. The complete chain of title including SYNCHRONY BANK and all post charge off
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`purchasers of the debt are as follows:
`
`i.
`
`NAME ADDRESS
`
`SYNCHRONY BANK P.O. BOX 965033, , ORLANDO,
`
`FL 328965033
`
`ii.
`
` PORTFOLIO RECOVERY ASSOCIATES, LLC 120 CORPORATE BLVD
`
`
`
`
`
`
`
`
`
` NORFOLK, VA 23502
`
`9. Plaintiff's records show that Plaintiff or its agents made demand for payment of the balance
`
`herein prior to making this declaration and Defendant failed to make full payment of the amount
`
`owed on the Account.
`
`10. Attached hereto as Exhibits A, B, and C are the Account records I reviewed in executing
`
`this declaration, which relate to the Account and/or payment(s) received.
`
`Exhibit A. Documentation reflecting the Chain of Title and establishing the facts required
`
`under Civil Code Section 1788.58(a)(3),(4),(5),(7) and (8).
`
`Exhibit B. Billing Statement(s), including but not limited to the Last Monthly Statement
`
`Recording a Purchase Transaction, Last Payment, or Balance transfer - establishing the fact required
`
`under Civil Code Section 1788.58(a)(5).
`
`Exhibit C. Billing Statement - establishing the facts required under Civil Code section
`
`1788.58(a)(4) and (6).
`
`11. The documents attached hereto are true and correct copies of the originals, being a
`
`reproduction of the records on file on behalf of Plaintiff based upon my review, except to the extent
`
`that confidential and privileged information and/or personal identifying information is omitted or
`
`redacted as required by local rules, and applicable state and federal laws.
`
`\\\
`
`
`
`
`
`12. If called upon to testify as a witness thereon, I could and would competently testify as to
`-4-
`
`DECLARATION OF CUSTODIAN OF RECORDS IN SUPPORT OF APPLICATION FOR ENTRY OF
`JUDGMENT CCP § 1788.60(a)
`
`
`

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`all the facts stated herein.
`
`
`
`I declare under penalty of perjury under the laws of the State of California that the foregoing
`
`is true and correct.
`
`
`
`Dated: ______________________
`
`
`
`__________________________________________
`CUSTODIAN OF RECORDS
`
`
`
`
`
`
`
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`
`
`255557
`
`
`
`
`DECLARATION OF CUSTODIAN OF RECORDS IN SUPPORT OF APPLICATION FOR ENTRY OF
`JUDGMENT CCP § 1788.60(a)
`
`
`-5-
`
`
`
`
`
`09/08/2022
`
`Myrell Johns
`
`

`

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`EXHIBIT A
`EXHIBIT A
`
`
`
`

`

`By:SS
`Lynnd Fike
`Title: Duly Authorized Signatory
`
`RFS Holding LLC
`
`By:
`Lynne
`
`Title: Daly Authorized Signatory
`
`Retail Finance Cred|t Services, LLC
`
`by: is Poor
`
`Title: Vice Presiden
`
`

`

`FILLER
`
`
`SEQUENCENUMBER00
`SEQUENCE_NUMBER
`00
`
`LASTGOMMENTLINE1|
`LAST_COMMENT_LINE_1
`
`LASTCOMMENTLINE2|
`LAST_COMMENT_LINE_2
`
`LASTCOMMENTLINE3|
`LAST_COMMENT_LINE_3
`SECOND NAME 1 pe
`SECOND_NAME_1
`
`SECONDNAME20|
`SECOND_NAME_2
`
`OWNRENTCODE|
`OWN_RENT_CODE
`pe
`TITLE
`CO_EMPLOYERS_ADDRES
`
`IEMPLOYERSADDRESS|
`MPLOYERS_ADDRESS
`ICOEMPLOYERSNAME|
`CO_EMPLOYERS_NAME
`
`EMPLOYERSNAME|
`EMPLOYERS_NAME
`
`ICOAGENCYCODE|
`CO_AGENCY_CODE
`MOBILE PHONE
`MOBILE_PHONE
`WORK PHONE FLAG Ce
`WORK_PHONE_FLAG
`CO_WORK_PHONE_NUMBE
`HOME PHONE FLAG PO
`OME_PHONE_FLAG
`RO-HOME.PHONE-NUMBE
`CO_HOME_PHONE_NUMBE
`co-stare
`O_STATE
`county
`COUNTY
`
`co.zip-cope|
`CO_ZIP_CODE
`coACCOUNTADDRESS2)
`CO_ACCOUNT_ADDRESS_2
`GOAGCOUNT-ADDRESS1[
`CO_ACCOUNT_ADDRESS_1
`co-couNTY
`CO_COUNTY
`cocmy
`CO_CITY
`uss
`LIABLE
`
`ACCOUNT-ADDRESS2—[
`ACCOUNT_ADDRESS_2
`ADDRESS FLAG |
`ADDRESS_FLAG
`co CUSTOMERTYE
`CO_CUSTOMER_TYPE
`GO_CUSTOMERID |
`CO_CUSTOMER_ID
`CO NAME ee
`CO_NAME
`—CO_ BIRTH DATE
`CO_BIRTH_DATE
`a — m weNS pe
`FILLER2
`iLLERI
`7A
`FILLER1
`CQ RECORD TYPE
`CO_RECORD_TYPE
`CO TITLE PO
`CO_TITLE
`DEALER CODE
`DEALER_CODE
`CO FORMAT CODE pe
`CO_FORMAT_CODE
`CO SEQUENCE NUMBER|
`CO_SEQUENCE_NUMBER
`POSTGIOFEES|
`POST C/O FEES
`POSTC/OPAYMENTS |
`POST C/O PAYMENTS
`POST C/O INTEREST pe
`POST C/O INTEREST
`POST C/O CREDITS pe
`POST C/O CREDITS
`FORMER GE ACCOUNT
`FORMER GE ACCOUNT
`NUMBER
`NUMBER
`FILLER
`
`pe
`
`S E
`
`R H
`
`R C
`
`

`

`WILLIAMS DIZON BARBARA
`SKIP
`
`SF5
`SAN FRANCISCO
`PRFS
`
`AGENCY_CODE
`NAME
`CHARGE_OFF_REASON_C
`ODE
`ACCOUNT_STATUS
`CITY
`DPS_ID_AGENCY_ATTY_C
`ODE
`I
`CUSTOMER_TYPE
`LENDING_OFFICER_CODE GAP043
`LANG_IND
`EN
`LOAN_TYPE_CODE
`CHAC
`STATE
`CA
`FORMAT_CODE
`B
`SOURCE_CODE
`A
`RECORD_TYPE
`A
`ZIP_CODE
`94117-3306
`CUSTOMER_ID
`***********9892
`ACCOUNT_NUMBER
`***********3945
`RECEIPT_DATE
`20190416
`CHARGE_OFF_DATE
`20190414
`LAST_CONTACT_DATE
`20190203
`FDOD
`20181016
`LAST_PAYMENT_DATE
`20180905
`LAST_PURCHASE_DATE
`20180819
`CONTRACT_DATE
`20170202
`BIRTH_DATE
`***********1121
`ACCOUNT_ADDRESS_1
`109 PIERCE ST
`USER_FIELD
`0181
`NET_PRINCIPAL
`000237284
`NET_INTEREST
`000067102
`ACCRUED_INTEREST
`000067102
`CURRENT_BALANCE
`0000304386
`CHARGE_OFF_AMOUNT
`0000237284
`LPA
`00000008000
`WORK_PHONE_NUMBER
`***********0000
`HOME_PHONE_NUMBER
`***********0000
`NET_ASSOCIATED_COSTS 000000000
`ASSOCIATED_COSTS
`000000000
`MONTHLY_INCOME
`000000000
`MONTHLY_PAYMENT
`000000000
`OTHER_INCOME
`000000000
`OTHER_OBLIGATIONS
`000000000
`LAST_COMMENT_DATE
`00000000
`NEXT_PAYMENT_DATE
`00000000
`LAST_INTEREST_DATE
`00000000
`INTEREST_RATE
`0000
`COMMISSION_RATE
`0000
`
`

`

`RECOVERY SCORE ooo
`RECOVERY_SCORE
`000
`
`

`

`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`EXHIBIT B
`EXHIBIT B
`
`
`
`

`

`
`
`
`
`Gap Vi SA® CARD__BARBARAWILLIAMS DIZON Visit us at eservice.gap.com
`
`Account Number [3945
`
`Customer Service:1-866-450-4467
`
`(Continued on next page)
`
`PaymentInformation
`Summary of AccountActivity
`$2,424.91
`New Balance
`$2,430.43
`Previous Balance
`
`
`- Payments $80.00]|Total Minimum Payment Due $77.00
`+ Purchases/Debits
`;
`Overlimit Amount
`$424.91
`+ Interest Charged
`Payment Due Date
`10/08/2018
`New Balance
`
`Late Payment Warning:!f we do not receive your Total
`Minimum PaymentDue by the Payment Due Datelisted
`Credit Limit $2,000.00]|above, you may haveto paya late fee up to $38.00.
`
`Available Creat
`QVERLIMIT
`Minimum Payment Warning: If you make only the minimum
`Cash Limit
`$400.00
`paymenteach period, youwill pay morein interest andit will
`
`Available Cash OVERLIMIT||take you longerto pay off your balance. For example:
`Statement Closing Date
`09/14/2018
`;
`;
`Daysin Billing Cycle
`29
`You will payoff
`And you will end
`the balance
`up paying an
`shownonthis
`estimatedtotal
`statementin
`of ...
`about...
`
`If you make no
`additional charges
`using this card
`and each month
`you pay....
`
`:
`
`Your Rewards Summary
`BEGINNING POINTS BALANCE
`POINTS EARNED
`TOTAL POINTS
`POINTS CONVERTED TO REWARDS
`ENDING POINTS
`POINTS TO NEXT REWARD
`Rewards Earned This Year
`
`;
`
`Only the Minimum
`payment
`
`$99.00
`
`13
`years
`
`3 years
`
`$6,369.00
`
`$3,551.00
`(Savings =
`$2,818.00)
`
`If you would like information about
`services,call 1-877-302-8775.
`
`credit counseling
`
`Gap Account News
`You're only 29 points away from earning a $5 Reward.
`Earn 5 points for every dollar spent at Gap,
`Banana Republic, Old Navy, and Athleta.
`Plus, earn 1 point for every dollar spent
`anywhereelse Visa is accepted.
`You're 1,039 points away from earning GapSilver.
`Earn 5,000 Rewardpoints (excluding bonuspoints earned
`and merchandise returns) within a calendar year
`and you'll earn GapSilver.
`Progress To GapSilver
`
`
`
`
`
`
`1000
`
`2000
`
`3000
`
`4000
`
`Qualifying Points
`
`Transaction Summary
`Description of Transaction or Credit
`Tran Date Post Date Reference Number
`*Purchasesin Our Stores(Gap, Old Navy, Banana Republic and Athleta)
`
`Other Transactions (gas, groceries, etc.)
`08/16
`08/17
`2443106KMWQ1KNGJ3
`08/16
`08/17
`2443106KM8AM8DGXJ
`
`SAFEWAY#1507 SAN FRANCISCO CA
`SUNRISE MARKET SAN FRANCISCO CA
`
`09/05
`
`09/05
`
`7447994L800XTMJG7
`
`PHONE PAYMENT-THANK YOU
`
`$19.66
`$2.75
`
`($80.00)
`
`PAYMENT DUE BY5 P.M. (ET) ON THE DUE DATE.
`NOTICE: We mayconvert your paymentinto an electronic debit. See reversefor details, Billing Rights and other important
`information.
`
`6544
`
`BWH
`
`1
`
`7
`
`#13
`
`180914
`
`OPAGE 1 of 3
`
`3179
`
`1500 C501 O1FQ6544
`
`
`
`
`
`
`
`
`Detach and mail this portion with your check. Do not include any correspondence with your check.
`Account Number: 39.45
`Total Minimum
`Payment
`Overlimit
`New Balance
`Payment Due
`Due Date
`Amount
`$77.00
`10/08/2018
`$424.91
`
`$2,424.91
`
`PaymentEnclosed:
`Please use blue or blackink.
`OR payon-line at
`:
`eservice.gap.com
`
`7
`Tobe
`New addressor email? Print changes on back.
`
`Wecurrently do not accept
`payments in our stores.
`
`BARBARAWILLIAMS DIZON
`109 PIERCE ST
`SAN FRANCISCO CA 94117-3306
`
`Make Payment To:GAP VISA/SYNCHRONY BANK
`PO BOX 960017
`ORLANDO, FL 32896-0017
`
`

`

`(v) = variable rate
`
`Transaction Summary(continued)
`
`Tran Date Post Date Reference Number
`
`Description of Transaction or Credit
`
`Amount
`
`09/14
`09/14
`
`09/14
`09/14
`
`FEES
`TOTAL FEES FOR THIS PERIOD
`
`INTEREST CHARGED
`INTEREST CHARGE ON PURCHASES
`INTEREST CHARGE ON CASH ADVANCES
`TOTAL INTERESTFOR THIS PERIOD
`2018 Totals Year-To-Date
`
`Total Fees Chargedin 2018
`
`Total Interest Charged in
`
`2018
`
`Total Interest Paid in 2018
`
`$0.00
`
`$204.53
`
`$152.46
`
`Balance
`Subject To
`Interest Rate
`$2,450.48
`$0.00
`
`Interest
`Charge
`$52.07
`$0.00
`
`Interest Charge Calculation
`Your Annual Percentage Rate (APR)is the annualinterest rate on your account.
`Annual
`Percentage
`Rate
`26.74% (v)
`28.74% (v)
`
`Type of Balance
`Purchases
`Cash Advances
`
`Expiration
`Date
`N/A
`N/A
`
`
` Cardholder NewsandInformation
`
`
`Synchrony Bank maycontinue to obtain information, including employment and income information from others about you
`(including requesting reports from consumerreporting agencies and other sources) to review, maintain or collect your account.
`
`Cardholder Benefits and Information
`
`Looking for a more convenient due date? Call customer service at the phone number on your statementto determineif eligible
`and discuss available options.
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`6544
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`BWH
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`L
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`7
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`13
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`180914
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`OPAGE 2 of 3
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`3179
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`1500 C501 O1FQ6544
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`6544
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`BWH
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`L
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`7
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`13
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`180914
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`OPAGE 3 of 3
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`3179
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`1500 C501 O1FQ6544
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`EXHIBIT C
`EXHIBIT C
`
`
`
`

`

`
`
`
`
`Gap Vi SA® CARD__BARBARAWILLIAMS DIZON Visit us at eservice.gap.com
`
`Account Number [3945
`
`$0.00
`
`Customer Service:1-866-419-0964
`
`Summary of AccountActivity
`Previous Balance
`+ Fees Charged
`+ Interest Charged
`New Balance
`
`$2,900.97
`.
`;
`$3,004.86
`
`PaymentInformation
`New Balance
`Amount Past Due
`Total Minimum Payment Due
`Overlimit Amount
`Payment Due Date
`
`$3,004.86
`$690.00
`$824.00
`$1,004.86
`04/08/2019
`
`$2,000.00
`Credit Limit
`Late Payment Warning:!f we do not receive your Total
`$0.00
`Available Credit
`Minimum PaymentDue by the Payment Due Datelisted
`$400.00
`Cash Limit
`above, you mayhaveto paya late fee up to $39.00.
`a Minimum Payment Warning: If you make only the minimum
`ee ae
`
`StatementClosing Date 03/15/2019]|nayment each period, you will pay morein interest andit will
`
`Daysin Billing Cycle 30]|take you longerto pay off your balance. For example:
`
`If you make no
`additional charges
`using this card
`and each month
`you pay....
`
`Youwill payoff
`the balance
`shownon this
`statementin
`about...
`
`And youwill end
`up paying an
`estimatedtotal
`of
`
`Only the Minimum
`payment
`
`9
`years
`
`$6,170.00
`
`If you would like information about
`services,call 1-877-302-8775.
`
`credit counseling
`
`Gap Account News
`You're only 29 points away from earning a $5 Reward.
`Earn 5 points for every dollar spent at Gap, Banana
`Republic, Old Navy, Athleta and Hill City. Plus, earn
`1 point for every dollar spent everywhereelse Visa is
`accepted.
`Great News, Cardmember! You can now earn points and
`redeem your RewardsatHill City. Check out GapInc.'s
`newest brandat HillCity.com.
`
`Your Rewards Summary
`BEGINNING POINTS BALANCE
`TOTAL POINTS
`POINTS CONVERTED TO REWARDS
`ENDING POINTS
`POINTS TO NEXT REWARD
`
`Transaction Summary
`Description of Transaction or Credit
`Tran Date Post Date Reference Number
`*Purchasesin Our Stores(Gap, Old Navy, Banana Republic, Athleta and Hill City)
`
`03/08
`
`03/08
`
`03/15
`03/15
`
`FEES
`LATE FEE
`TOTAL FEES FOR THIS PERIOD
`
`INTEREST CHARGED
`INTEREST CHARGE ON PURCHASES
`INTEREST CHARGE ON CASH ADVANCES
`TOTAL INTERESTFOR THIS PERIOD
`2019 Totals Year-To-Date
`
`Total Fees Chargedin 2019
`
`Total Interest Charged in
`
`2019
`
`Total Interest Paid in 2019
`
`$114.00
`
`$188.15
`
`PAYMENT DUE BY5 P.M. (ET) ON THE DUE DATE.
`NOTICE: We mayconvert your paymentinto an electronic debit. See reversefor details, Billing Rights and other important
`information.
`
`6544
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`BWH
`
`1
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`#
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`43
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`190315
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`EXPAGE 1 of 3
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`3179
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`1500 C501 O1FQ6544
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`Detach and mail this portion with your check. Do not include any correspondence with your check.
`Account Number:ii 39.45
`Total Minimum
`Past Due
`Payment Due
`Overlimit
`New Balance
`Payment Due
`Amount
`Date
`Amount
`$824.00
`$690.00
`04/08/2019
`$1,004.86
`
`$3,004.86
`
`PaymentEnclosed:
`Please use blue or blackink.
`OR payon-line at
`:
`eservice.gap.com
`
`7
`Tobe
`New addressor email? Print changes on back.
`
`Wecurrently do not accept
`payments in our stores.
`
`BARBARAWILLIAMS DIZON
`109 PIERCE ST
`SAN FRANCISCO CA 94117-3306
`
`Make Payment To:GAP VISA/SYNCHRONY BANK
`PO BOX 960017
`ORLANDO, FL 32896-0017
`
`

`

`(v) = variable rate
`
`Interest Charge Calculation
`Your Annual Percentage Rate (APR)is the annual interest rate on your account.
`Annual
`Percentage
`Rate
`27.24% (Vv)
`29.24% (v)
`
`Type of Balance
`Purchases
`Cash Advances
`
`Expiration
`Date
`N/A
`N/A
`
`Balance
`Subject To
`Interest Rate
`$2,942.73
`$0.00
`
`Interest
`Charge
`$65.89
`$0.00
`
`
`
`Cardholder NewsandInformation
`YOUR ACCOUNTIS PAST DUE. PLEASE PAY THE MINIMUM PAYMENT DUE OR
`CONTACT THIS OFFICE AT THE NUMBER LISTED ON YOUR STATEMENT.
`
`Please Note: Enclosed is the Privacy Policy for this account. Please take a momentto readit, then keepit with other financial
`documents. If you have previously opted-out, you do not need to do so again.
`
`6544
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`BWH
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`L
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`F
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`@3.
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`290315
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`EX PAGE 2 of 3
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`3179
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`1500 C501 O1FQ6544
`
`

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`6544
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`BWH
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`L
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`F
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`@3.
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`290315
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`EX PAGE 3 of 3
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`3179
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`1500 C501 O1FQ6544
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`